Can I retire at age 35 with 449,000?

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 $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%15.8%
1 years$37,078$36,748$36,426$36,111$35,804$34,953
2 years$18,355$18,014$17,682$17,361$17,049$16,197
3 years$12,115$11,772$11,442$11,123$10,817$9,989
4 years$8,996$8,654$8,327$8,014$7,715$6,919
5 years$7,125$6,785$6,462$6,155$5,865$5,103
6 years$5,878$5,540$5,222$4,922$4,640$3,913
7 years$4,987$4,653$4,340$4,047$3,774$3,081
8 years$4,320$3,988$3,680$3,395$3,131$2,473
9 years$3,801$3,472$3,170$2,892$2,637$2,012
10 years$3,386$3,061$2,764$2,493$2,247$1,655
11 years$3,047$2,725$2,433$2,169$1,932$1,373
12 years$2,765$2,446$2,159$1,903$1,674$1,147
13 years$2,526$2,210$1,929$1,680$1,460$963
14 years$2,321$2,009$1,733$1,491$1,280$813
15 years$2,144$1,835$1,565$1,330$1,127$688
16 years$1,989$1,684$1,419$1,191$996$584
17 years$1,853$1,551$1,291$1,070$883$497
18 years$1,732$1,433$1,179$964$785$424
19 years$1,623$1,328$1,079$871$700$362
20 years$1,526$1,234$990$789$625$310
21 years$1,438$1,149$911$716$559$266
22 years$1,358$1,073$839$651$501$228
23 years$1,285$1,004$775$593$450$196
24 years$1,219$940$717$541$405$168
25 years$1,158$882$664$494$364$145
26 years$1,101$829$616$452$328$125
27 years$1,049$780$572$413$296$107
28 years$1,001$735$532$379$267$92
29 years$956$694$495$347$241$80
30 years$914$655$461$319$218$69
31 years$875$619$430$293$197$59
32 years$838$586$401$269$178$51
33 years$804$555$374$247$161$44
34 years$772$526$350$228$146$38
35 years$742$499$327$210$132$33
36 years$713$474$306$193$120$28
37 years$686$450$286$178$108$24
38 years$661$427$268$164$98$21
39 years$637$406$251$151$89$18
40 years$614$387$235$139$81$16
41 years$592$368$221$129$73$14
42 years$572$351$207$119$67$12
43 years$552$334$194$110$60$10
44 years$533$318$182$101$55$9
45 years$516$304$171$93$50$8
46 years$499$290$161$86$45$6
47 years$483$276$151$80$41$6
48 years$467$264$142$74$37$5
49 years$452$252$133$68$34$4
50 years$438$241$125$63$31$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $449,000, adding $3,067 every year, while hoping to spend $28,123 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: 77/10/13 Blend
34$449,000$449,000$449,000$449,000
35$497,962$474,165$467,205$534,774
36$518,831$467,476$452,934$552,768
37$540,887$459,517$437,242$568,623
38$564,220$450,196$420,052$585,220
39$588,930$439,415$401,283$602,623
40$615,126$427,072$380,852$620,902
41$642,927$413,056$358,668$640,135
42$672,462$397,254$334,641$660,408
43$703,876$379,541$308,674$681,816
44$737,322$359,790$280,665$704,465
45$772,972$337,862$250,511$728,470
46$811,012$313,615$218,100$753,959
47$851,647$286,893$183,318$781,076
48$895,101$257,537$146,045$809,978
49$941,619$225,375$106,155$840,838
50$991,472$190,226$63,519$873,848
51$1,044,955$151,900$18,000$909,222
52$1,102,392$110,194$0$947,195
53$1,164,140$64,898$0$992,267
54$1,230,589$15,784$0$1,043,425
55$1,302,169$0$0$1,098,509
56$1,379,350$0$0$1,162,006
57$1,462,651$0$0$1,232,426
58$1,552,642$0$0$1,308,512
59$1,649,946$0$0$1,390,796
60$1,755,252$0$0$1,479,861
61$1,869,315$0$0$1,576,348
62$1,992,966$0$0$1,680,960
63$2,127,118$0$0$1,794,474
64$2,272,776$0$0$1,917,741
65$2,431,045$0$0$2,051,698
66$2,603,140$0$0$2,197,377
67$2,790,399$0$0$2,355,912
68$2,994,293$0$0$2,528,551
69$3,216,442$0$0$2,716,668
70$3,458,627$0$0$2,921,774
71$3,722,809$0$0$3,145,533
72$4,011,147$0$0$3,389,777
73$4,326,016$0$0$3,656,520
74$4,670,033$0$0$3,947,983
75$5,046,077$0$0$4,266,607
76$5,457,317$0$0$4,615,082
77$5,907,246$0$0$4,996,371
78$6,399,705$0$0$5,413,733
79$6,938,927$0$0$5,870,759
80$7,529,574$0$0$6,371,405
81$8,176,777$0$0$6,920,024
82$8,886,189$0$0$7,521,412
83$9,664,035$0$0$8,180,851
84$10,517,173$0$0$8,904,159
85$11,453,154$0$0$9,697,744
86$12,480,297$0$0$10,568,664
87$13,607,765$0$0$11,524,692
88$14,845,650$0$0$12,574,393
89$16,205,071$0$0$13,727,200
90$17,698,276$0$0$14,993,505
91$19,338,757$0$0$16,384,757
92$21,141,377$0$0$17,913,566
93$23,122,512$0$0$19,593,828
94$25,300,201$0$0$21,440,848
95$27,694,319$0$0$23,471,490
96$30,326,762$0$0$25,704,334
97$33,221,655$0$0$28,159,848
98$36,405,576$0$0$30,860,585
99$39,907,809$0$0$33,831,393
100$43,760,619$0$0$37,099,649