Can I retire at age 35 with 447,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $447,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$36,913$36,584$36,263$35,950$35,644$34,559
2 years$18,274$17,933$17,604$17,284$16,974$15,889
3 years$12,061$11,720$11,391$11,074$10,769$9,719
4 years$8,956$8,615$8,289$7,978$7,680$6,674
5 years$7,093$6,754$6,433$6,128$5,838$4,878
6 years$5,852$5,515$5,199$4,901$4,620$3,707
7 years$4,965$4,632$4,320$4,029$3,757$2,891
8 years$4,301$3,970$3,664$3,380$3,117$2,297
9 years$3,784$3,457$3,156$2,879$2,625$1,850
10 years$3,371$3,047$2,751$2,482$2,237$1,506
11 years$3,033$2,713$2,422$2,160$1,923$1,236
12 years$2,752$2,435$2,150$1,894$1,667$1,021
13 years$2,514$2,200$1,921$1,672$1,454$847
14 years$2,311$2,000$1,726$1,485$1,274$706
15 years$2,135$1,827$1,558$1,324$1,122$591
16 years$1,980$1,676$1,413$1,186$992$496
17 years$1,845$1,544$1,285$1,065$879$417
18 years$1,724$1,427$1,173$960$782$351
19 years$1,616$1,322$1,074$867$697$296
20 years$1,519$1,229$986$786$622$250
21 years$1,432$1,144$907$713$557$212
22 years$1,352$1,068$836$648$499$179
23 years$1,280$999$772$590$448$152
24 years$1,213$936$714$538$403$129
25 years$1,152$878$661$492$362$109
26 years$1,096$826$613$450$326$93
27 years$1,044$777$569$412$294$79
28 years$996$732$529$377$266$67
29 years$952$691$492$346$240$57
30 years$910$652$459$317$217$48
31 years$871$617$428$291$196$41
32 years$835$583$399$268$177$35
33 years$801$553$373$246$160$30
34 years$768$524$348$227$145$25
35 years$738$497$325$209$132$21
36 years$710$471$304$192$119$18
37 years$683$448$285$177$108$16
38 years$658$426$267$163$98$13
39 years$634$405$250$150$89$11
40 years$611$385$234$139$81$10
41 years$590$366$220$128$73$8
42 years$569$349$206$118$66$7
43 years$550$333$193$109$60$6
44 years$531$317$182$101$55$5
45 years$513$302$170$93$50$4
46 years$497$288$160$86$45$4
47 years$481$275$150$79$41$3
48 years$465$263$141$73$37$3
49 years$450$251$133$68$34$2
50 years$436$240$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 $447,000, adding $4,155 every year, while hoping to spend $28,098 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: 78/8/14 Blend
34$447,000$447,000$447,000$447,000
35$496,880$473,189$466,260$533,893
36$517,666$466,479$451,984$552,145
37$539,630$458,499$436,288$568,167
38$562,863$449,156$419,094$584,951
39$587,464$438,354$400,323$602,562
40$613,540$425,988$379,889$621,074
41$641,210$411,951$357,704$640,564
42$670,603$396,126$333,677$661,121
43$701,860$378,391$307,710$682,843
44$735,135$358,617$279,704$705,836
45$770,597$336,668$249,552$730,220
46$808,431$312,398$217,145$756,124
47$848,840$285,654$182,368$783,696
48$892,046$256,276$145,102$813,093
49$938,293$224,092$105,221$844,494
50$987,848$188,921$62,595$878,095
51$1,041,003$150,573$17,087$914,110
52$1,098,081$108,847$0$952,781
53$1,159,434$63,529$0$999,072
54$1,225,449$14,395$0$1,051,602
55$1,296,553$0$0$1,108,163
56$1,373,211$0$0$1,172,550
57$1,455,937$0$0$1,243,412
58$1,545,295$0$0$1,319,967
59$1,641,904$0$0$1,402,747
60$1,746,446$0$0$1,492,337
61$1,859,668$0$0$1,589,380
62$1,982,395$0$0$1,694,584
63$2,115,530$0$0$1,808,725
64$2,260,070$0$0$1,932,660
65$2,417,108$0$0$2,067,328
66$2,587,849$0$0$2,213,766
67$2,773,618$0$0$2,373,110
68$2,975,872$0$0$2,546,614
69$3,196,216$0$0$2,735,656
70$3,436,414$0$0$2,941,752
71$3,698,409$0$0$3,166,573
72$3,984,340$0$0$3,411,956
73$4,296,559$0$0$3,679,923
74$4,637,657$0$0$3,972,701
75$5,010,488$0$0$4,292,741
76$5,418,190$0$0$4,642,743
77$5,864,222$0$0$5,025,677
78$6,352,391$0$0$5,444,815
79$6,886,888$0$0$5,903,761
80$7,472,331$0$0$6,406,482
81$8,113,802$0$0$6,957,348
82$8,816,902$0$0$7,561,170
83$9,587,796$0$0$8,223,249
84$10,433,275$0$0$8,949,421
85$11,360,820$0$0$9,746,115
86$12,378,670$0$0$10,620,414
87$13,495,901$0$0$11,580,118
88$14,722,510$0$0$12,633,818
89$16,069,508$0$0$13,790,981
90$17,549,028$0$0$15,062,032
91$19,174,431$0$0$16,458,458
92$20,960,442$0$0$17,992,913
93$22,923,277$0$0$19,679,337
94$25,080,805$0$0$21,533,087
95$27,452,710$0$0$23,571,082
96$30,060,680$0$0$25,811,965
97$32,928,609$0$0$28,276,271
98$36,082,821$0$0$30,986,629
99$39,552,320$0$0$33,967,967
100$43,369,064$0$0$37,247,754