Can I retire at age 35 with 449,000?

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 $449,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$37,078$36,748$36,426$36,111$35,804$35,225
2 years$18,355$18,014$17,682$17,361$17,049$16,468
3 years$12,115$11,772$11,442$11,123$10,817$10,251
4 years$8,996$8,654$8,327$8,014$7,715$7,168
5 years$7,125$6,785$6,462$6,155$5,865$5,340
6 years$5,878$5,540$5,222$4,922$4,640$4,137
7 years$4,987$4,653$4,340$4,047$3,774$3,293
8 years$4,320$3,988$3,680$3,395$3,131$2,672
9 years$3,801$3,472$3,170$2,892$2,637$2,199
10 years$3,386$3,061$2,764$2,493$2,247$1,831
11 years$3,047$2,725$2,433$2,169$1,932$1,537
12 years$2,765$2,446$2,159$1,903$1,674$1,300
13 years$2,526$2,210$1,929$1,680$1,460$1,105
14 years$2,321$2,009$1,733$1,491$1,280$944
15 years$2,144$1,835$1,565$1,330$1,127$810
16 years$1,989$1,684$1,419$1,191$996$697
17 years$1,853$1,551$1,291$1,070$883$602
18 years$1,732$1,433$1,179$964$785$520
19 years$1,623$1,328$1,079$871$700$451
20 years$1,526$1,234$990$789$625$392
21 years$1,438$1,149$911$716$559$340
22 years$1,358$1,073$839$651$501$296
23 years$1,285$1,004$775$593$450$258
24 years$1,219$940$717$541$405$225
25 years$1,158$882$664$494$364$197
26 years$1,101$829$616$452$328$172
27 years$1,049$780$572$413$296$150
28 years$1,001$735$532$379$267$131
29 years$956$694$495$347$241$115
30 years$914$655$461$319$218$101
31 years$875$619$430$293$197$88
32 years$838$586$401$269$178$77
33 years$804$555$374$247$161$68
34 years$772$526$350$228$146$59
35 years$742$499$327$210$132$52
36 years$713$474$306$193$120$46
37 years$686$450$286$178$108$40
38 years$661$427$268$164$98$35
39 years$637$406$251$151$89$31
40 years$614$387$235$139$81$27
41 years$592$368$221$129$73$24
42 years$572$351$207$119$67$21
43 years$552$334$194$110$60$18
44 years$533$318$182$101$55$16
45 years$516$304$171$93$50$14
46 years$499$290$161$86$45$12
47 years$483$276$151$80$41$11
48 years$467$264$142$74$37$9
49 years$452$252$133$68$34$8
50 years$438$241$125$63$31$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $449,000, adding $2,776 every year, while hoping to spend $33,965 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: 53/35/12 Blend
34$449,000$449,000$449,000$449,000
35$497,661$473,864$466,905$522,334
36$512,284$460,945$446,408$526,523
37$527,261$446,255$424,086$527,194
38$542,590$429,670$399,841$527,140
39$558,272$411,062$373,574$526,300
40$574,304$390,292$345,177$524,610
41$590,683$367,216$314,540$522,001
42$607,403$341,680$281,547$518,400
43$624,457$313,521$246,078$513,726
44$641,836$282,569$208,007$507,897
45$659,529$248,640$167,201$500,823
46$677,522$211,545$123,523$492,409
47$695,798$171,079$76,829$482,552
48$714,337$127,029$26,971$471,144
49$733,115$79,170$0$458,069
50$752,105$27,261$0$446,562
51$771,275$0$0$437,035
52$790,587$0$0$437,061
53$809,999$0$0$447,621
54$829,463$0$0$458,187
55$848,923$0$0$468,725
56$868,315$0$0$479,198
57$887,569$0$0$489,563
58$906,603$0$0$499,772
59$925,326$0$0$509,770
60$943,636$0$0$519,498
61$961,418$0$0$528,887
62$978,541$0$0$537,860
63$994,861$0$0$546,331
64$1,010,216$0$0$554,206
65$1,024,424$0$0$561,376
66$1,037,284$0$0$567,723
67$1,048,568$0$0$573,113
68$1,058,027$0$0$577,399
69$1,065,378$0$0$580,415
70$1,070,312$0$0$581,979
71$1,072,482$0$0$581,887
72$1,071,502$0$0$579,913
73$1,066,946$0$0$575,806
74$1,058,338$0$0$569,287
75$1,045,154$0$0$560,048
76$1,026,808$0$0$547,746
77$1,002,656$0$0$532,002
78$971,980$0$0$512,397
79$933,988$0$0$488,465
80$887,800$0$0$459,692
81$832,445$0$0$425,508
82$766,849$0$0$385,284
83$689,820$0$0$338,323
84$600,044$0$0$283,854
85$496,066$0$0$221,027
86$376,280$0$0$148,900
87$238,908$0$0$66,434
88$81,989$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0