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%19.8%
1 years$36,830$36,502$36,182$35,870$35,565$34,167
2 years$18,233$17,893$17,564$17,245$16,936$15,545
3 years$12,034$11,693$11,365$11,049$10,745$9,404
4 years$8,936$8,596$8,271$7,960$7,663$6,383
5 years$7,077$6,739$6,419$6,114$5,825$4,609
6 years$5,839$5,503$5,187$4,890$4,609$3,458
7 years$4,954$4,622$4,311$4,020$3,749$2,662
8 years$4,291$3,962$3,656$3,372$3,110$2,086
9 years$3,776$3,449$3,149$2,872$2,619$1,657
10 years$3,364$3,040$2,745$2,476$2,232$1,329
11 years$3,027$2,707$2,417$2,155$1,919$1,075
12 years$2,746$2,429$2,145$1,890$1,663$874
13 years$2,509$2,195$1,916$1,669$1,450$714
14 years$2,306$1,996$1,722$1,481$1,271$586
15 years$2,130$1,823$1,554$1,321$1,119$482
16 years$1,976$1,673$1,409$1,183$989$398
17 years$1,840$1,540$1,282$1,063$877$329
18 years$1,720$1,423$1,171$958$780$272
19 years$1,612$1,319$1,072$865$695$226
20 years$1,516$1,226$984$784$621$188
21 years$1,428$1,142$905$711$556$156
22 years$1,349$1,066$834$647$498$130
23 years$1,277$997$770$589$447$108
24 years$1,211$934$712$537$402$90
25 years$1,150$876$659$491$362$75
26 years$1,094$824$612$449$326$62
27 years$1,042$775$568$411$294$52
28 years$994$731$528$376$265$43
29 years$949$689$491$345$239$36
30 years$908$651$458$317$216$30
31 years$869$615$427$291$195$25
32 years$833$582$398$267$177$21
33 years$799$551$372$246$160$17
34 years$767$523$347$226$145$15
35 years$737$496$325$208$131$12
36 years$708$470$304$192$119$10
37 years$682$447$284$177$108$8
38 years$656$425$266$163$98$7
39 years$632$404$249$150$89$6
40 years$610$384$234$138$80$5
41 years$588$366$219$128$73$4
42 years$568$348$206$118$66$3
43 years$548$332$193$109$60$3
44 years$530$316$181$100$54$2
45 years$512$302$170$93$49$2
46 years$495$288$160$86$45$2
47 years$479$275$150$79$41$1
48 years$464$262$141$73$37$1
49 years$449$250$133$68$34$1
50 years$435$239$125$63$31$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $446,000, adding $6,522 every year, while hoping to spend $22,602 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: 53/17/30 Blend
34$446,000$446,000$446,000$446,000
35$498,219$474,581$467,668$520,135
36$524,989$473,788$459,287$535,260
37$553,733$472,197$449,867$548,898
38$584,626$469,748$439,351$563,301
39$617,865$466,372$427,675$578,551
40$653,662$462,000$414,778$594,740
41$692,253$456,555$400,591$611,973
42$733,896$449,960$385,044$630,362
43$778,875$442,129$368,063$650,037
44$827,499$432,972$349,573$671,139
45$880,113$422,397$329,493$693,827
46$937,092$410,301$307,738$718,277
47$998,849$396,581$284,221$744,683
48$1,065,841$381,122$258,852$773,265
49$1,138,566$363,806$231,533$804,263
50$1,217,576$344,509$202,165$837,944
51$1,303,476$323,097$170,644$874,608
52$1,396,930$299,429$136,861$914,583
53$1,498,673$273,357$100,702$958,237
54$1,609,511$244,724$62,048$1,005,975
55$1,730,330$213,364$20,776$1,058,248
56$1,862,107$179,102$0$1,115,554
57$2,005,916$141,753$0$1,185,894
58$2,162,941$101,121$0$1,270,015
59$2,334,484$56,999$0$1,361,982
60$2,521,979$9,169$0$1,462,594
61$2,727,003$0$0$1,572,729
62$2,951,295$0$0$1,701,330
63$3,196,768$0$0$1,843,995
64$3,465,530$0$0$2,000,240
65$3,759,899$0$0$2,171,419
66$4,082,433$0$0$2,359,023
67$4,435,943$0$0$2,564,696
68$4,823,531$0$0$2,790,246
69$5,248,609$0$0$3,037,667
70$5,714,937$0$0$3,309,154
71$6,226,656$0$0$3,607,124
72$6,788,327$0$0$3,934,241
73$7,404,976$0$0$4,293,438
74$8,082,135$0$0$4,687,947
75$8,825,904$0$0$5,121,329
76$9,642,997$0$0$5,597,504
77$10,540,815$0$0$6,120,794
78$11,527,509$0$0$6,695,959
79$12,612,059$0$0$7,328,242
80$13,804,358$0$0$8,023,421
81$15,115,307$0$0$8,787,860
82$16,556,914$0$0$9,628,573
83$18,142,410$0$0$10,553,285
84$19,886,372$0$0$11,570,510
85$21,804,862$0$0$12,689,627
86$23,915,575$0$0$13,920,970
87$26,238,009$0$0$15,275,926
88$28,793,648$0$0$16,767,040
89$31,606,162$0$0$18,408,136
90$34,701,632$0$0$20,214,446
91$38,108,797$0$0$22,202,753
92$41,859,322$0$0$24,391,550
93$45,988,098$0$0$26,801,213
94$50,533,573$0$0$29,454,197
95$55,538,108$0$0$32,375,242
96$61,048,384$0$0$35,591,611
97$67,115,839$0$0$39,133,342
98$73,797,150$0$0$43,033,539
99$81,154,773$0$0$47,328,677
100$89,257,528$0$0$52,058,949