Can I retire at age 35 with 450,000?

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 $450,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$37,161$36,830$36,507$36,191$35,884$35,406
2 years$18,396$18,054$17,722$17,400$17,087$16,607
3 years$12,142$11,798$11,467$11,148$10,841$10,373
4 years$9,016$8,673$8,345$8,032$7,732$7,279
5 years$7,141$6,800$6,476$6,169$5,878$5,442
6 years$5,891$5,552$5,234$4,933$4,651$4,233
7 years$4,999$4,663$4,349$4,056$3,782$3,382
8 years$4,330$3,997$3,688$3,403$3,138$2,755
9 years$3,810$3,480$3,177$2,898$2,642$2,277
10 years$3,394$3,068$2,770$2,498$2,252$1,904
11 years$3,054$2,731$2,438$2,174$1,936$1,605
12 years$2,771$2,451$2,164$1,907$1,678$1,364
13 years$2,531$2,215$1,933$1,684$1,463$1,165
14 years$2,326$2,013$1,737$1,495$1,283$1,000
15 years$2,149$1,839$1,568$1,333$1,129$862
16 years$1,994$1,688$1,422$1,193$998$745
17 years$1,857$1,554$1,294$1,072$885$646
18 years$1,735$1,436$1,181$966$787$562
19 years$1,627$1,331$1,081$873$701$490
20 years$1,529$1,237$992$791$627$427
21 years$1,441$1,152$913$718$561$373
22 years$1,361$1,075$841$653$503$327
23 years$1,288$1,006$777$594$451$286
24 years$1,222$942$718$542$405$251
25 years$1,160$884$665$495$365$221
26 years$1,104$831$617$453$329$194
27 years$1,051$782$573$414$296$170
28 years$1,003$737$533$380$267$150
29 years$958$695$496$348$241$132
30 years$916$657$462$319$218$116
31 years$877$621$430$293$197$102
32 years$840$587$402$270$178$90
33 years$806$556$375$248$161$79
34 years$774$527$350$228$146$70
35 years$743$500$328$210$132$62
36 years$715$475$306$193$120$54
37 years$688$451$287$178$109$48
38 years$662$428$269$164$99$42
39 years$638$407$252$151$89$37
40 years$615$388$236$140$81$33
41 years$594$369$221$129$74$29
42 years$573$351$207$119$67$26
43 years$553$335$195$110$61$23
44 years$535$319$183$101$55$20
45 years$517$304$172$94$50$18
46 years$500$290$161$86$45$16
47 years$484$277$151$80$41$14
48 years$468$264$142$74$37$12
49 years$454$253$134$68$34$11
50 years$439$241$126$63$31$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $450,000, adding $2,107 every year, while hoping to spend $35,671 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: 62/13/25 Blend
34$450,000$450,000$450,000$450,000
35$498,073$474,223$467,248$525,529
36$510,923$459,507$444,948$529,669
37$523,888$442,873$420,704$530,088
38$536,942$424,192$394,415$529,764
39$550,056$403,323$365,974$528,628
40$563,195$380,119$335,267$526,610
41$576,321$354,425$302,179$523,630
42$589,390$326,075$266,586$519,606
43$602,351$294,897$228,360$514,446
44$615,150$260,705$187,369$508,052
45$627,721$223,306$143,472$500,319
46$639,994$182,494$96,524$491,132
47$651,889$138,051$46,373$480,368
48$663,316$89,750$0$467,893
49$674,173$37,347$0$455,469
50$684,349$0$0$454,358
51$693,717$0$0$454,832
52$702,137$0$0$459,981
53$709,452$0$0$464,357
54$715,488$0$0$467,840
55$720,050$0$0$470,295
56$722,922$0$0$471,574
57$723,864$0$0$471,514
58$722,609$0$0$469,930
59$718,860$0$0$466,620
60$712,290$0$0$461,358
61$702,533$0$0$453,894
62$689,184$0$0$443,951
63$671,796$0$0$431,223
64$649,873$0$0$415,369
65$622,864$0$0$396,013
66$590,162$0$0$372,739
67$551,093$0$0$345,085
68$504,911$0$0$312,542
69$450,794$0$0$274,545
70$387,830$0$0$230,472
71$315,012$0$0$179,632
72$231,226$0$0$121,265
73$135,243$0$0$54,529
74$25,704$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$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