Can I retire at age 35 with 446,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $446,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$36,830$36,502$36,182$35,870$35,565$34,509
2 years$18,233$17,893$17,564$17,245$16,936$15,881
3 years$12,034$11,693$11,365$11,049$10,745$9,724
4 years$8,936$8,596$8,271$7,960$7,663$6,684
5 years$7,077$6,739$6,419$6,114$5,825$4,891
6 years$5,839$5,503$5,187$4,890$4,609$3,720
7 years$4,954$4,622$4,311$4,020$3,749$2,904
8 years$4,291$3,962$3,656$3,372$3,110$2,310
9 years$3,776$3,449$3,149$2,872$2,619$1,863
10 years$3,364$3,040$2,745$2,476$2,232$1,519
11 years$3,027$2,707$2,417$2,155$1,919$1,248
12 years$2,746$2,429$2,145$1,890$1,663$1,032
13 years$2,509$2,195$1,916$1,669$1,450$858
14 years$2,306$1,996$1,722$1,481$1,271$716
15 years$2,130$1,823$1,554$1,321$1,119$600
16 years$1,976$1,673$1,409$1,183$989$504
17 years$1,840$1,540$1,282$1,063$877$424
18 years$1,720$1,423$1,171$958$780$358
19 years$1,612$1,319$1,072$865$695$303
20 years$1,516$1,226$984$784$621$256
21 years$1,428$1,142$905$711$556$217
22 years$1,349$1,066$834$647$498$184
23 years$1,277$997$770$589$447$156
24 years$1,211$934$712$537$402$133
25 years$1,150$876$659$491$362$113
26 years$1,094$824$612$449$326$96
27 years$1,042$775$568$411$294$81
28 years$994$731$528$376$265$69
29 years$949$689$491$345$239$59
30 years$908$651$458$317$216$50
31 years$869$615$427$291$195$43
32 years$833$582$398$267$177$36
33 years$799$551$372$246$160$31
34 years$767$523$347$226$145$26
35 years$737$496$325$208$131$23
36 years$708$470$304$192$119$19
37 years$682$447$284$177$108$16
38 years$656$425$266$163$98$14
39 years$632$404$249$150$89$12
40 years$610$384$234$138$80$10
41 years$588$366$219$128$73$9
42 years$568$348$206$118$66$7
43 years$548$332$193$109$60$6
44 years$530$316$181$100$54$5
45 years$512$302$170$93$49$5
46 years$495$288$160$86$45$4
47 years$479$275$150$79$41$3
48 years$464$262$141$73$37$3
49 years$449$250$133$68$34$2
50 years$435$239$125$63$31$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $446,000, adding $3,910 every year, while hoping to spend $22,267 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 70/14/16 Blend
34$446,000$446,000$446,000$446,000
35$495,525$471,887$464,974$528,100
36$522,377$471,318$456,859$549,706
37$551,221$469,974$447,725$570,312
38$582,238$467,795$437,516$592,294
39$615,624$464,715$426,171$615,786
40$651,596$460,665$413,627$640,935
41$690,393$455,571$399,817$667,902
42$732,276$449,357$384,673$696,866
43$777,531$441,939$368,124$728,025
44$826,476$433,230$350,092$761,598
45$879,456$423,138$330,500$797,825
46$936,854$411,565$309,265$836,973
47$999,089$398,408$286,301$879,337
48$1,066,622$383,556$261,518$925,240
49$1,139,961$366,893$234,822$975,043
50$1,219,663$348,297$206,115$1,029,140
51$1,306,343$327,638$175,294$1,087,971
52$1,400,675$304,778$142,252$1,152,017
53$1,503,404$279,572$106,878$1,221,814
54$1,615,347$251,866$69,054$1,297,949
55$1,737,404$221,499$28,658$1,381,073
56$1,870,565$188,299$0$1,471,904
57$2,015,921$152,084$0$1,573,702
58$2,174,672$112,663$0$1,690,256
59$2,348,139$69,834$0$1,817,658
60$2,537,777$23,383$0$1,956,998
61$2,745,186$0$0$2,109,479
62$2,972,131$0$0$2,280,572
63$3,220,553$0$0$2,471,822
64$3,492,590$0$0$2,681,277
65$3,790,596$0$0$2,910,752
66$4,117,164$0$0$3,162,248
67$4,475,150$0$0$3,437,965
68$4,867,698$0$0$3,740,331
69$5,298,273$0$0$4,072,016
70$5,770,690$0$0$4,435,964
71$6,289,151$0$0$4,835,415
72$6,858,285$0$0$5,273,940
73$7,483,192$0$0$5,755,472
74$8,169,488$0$0$6,284,343
75$8,923,361$0$0$6,865,327
76$9,751,628$0$0$7,503,680
77$10,661,798$0$0$8,205,195
78$11,662,143$0$0$8,976,253
79$12,761,778$0$0$9,823,883
80$13,970,743$0$0$10,755,832
81$15,300,103$0$0$11,780,632
82$16,762,043$0$0$12,907,684
83$18,369,993$0$0$14,147,346
84$20,138,749$0$0$15,511,031
85$22,084,610$0$0$17,011,313
86$24,225,538$0$0$18,662,045
87$26,581,322$0$0$20,478,492
88$29,173,767$0$0$22,477,474
89$32,026,897$0$0$24,677,523
90$35,167,184$0$0$27,099,058
91$38,623,798$0$0$29,764,579
92$42,428,877$0$0$32,698,878
93$46,617,837$0$0$35,929,273
94$51,229,698$0$0$39,485,863
95$56,307,460$0$0$43,401,818
96$61,898,502$0$0$47,713,684
97$68,055,032$0$0$52,461,735
98$74,834,579$0$0$57,690,346
99$82,300,534$0$0$63,448,417
100$90,522,752$0$0$69,789,832