Can I retire at age 35 with 452,000?

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 $452,000?

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$37,326$36,993$36,669$36,352$36,043$34,945
2 years$18,478$18,134$17,800$17,477$17,163$16,067
3 years$12,196$11,851$11,518$11,198$10,889$9,828
4 years$9,056$8,712$8,382$8,067$7,766$6,749
5 years$7,172$6,830$6,505$6,196$5,904$4,933
6 years$5,917$5,577$5,257$4,955$4,671$3,748
7 years$5,021$4,684$4,369$4,074$3,799$2,923
8 years$4,349$4,015$3,705$3,418$3,152$2,322
9 years$3,826$3,496$3,191$2,911$2,654$1,871
10 years$3,409$3,081$2,782$2,509$2,262$1,523
11 years$3,067$2,743$2,449$2,184$1,945$1,250
12 years$2,783$2,462$2,174$1,916$1,685$1,032
13 years$2,543$2,225$1,942$1,691$1,470$857
14 years$2,337$2,022$1,745$1,501$1,288$714
15 years$2,158$1,847$1,575$1,339$1,134$598
16 years$2,003$1,695$1,428$1,199$1,003$501
17 years$1,865$1,561$1,300$1,077$889$421
18 years$1,743$1,442$1,186$971$790$355
19 years$1,634$1,337$1,086$877$705$300
20 years$1,536$1,242$997$794$629$253
21 years$1,448$1,157$917$721$563$214
22 years$1,367$1,080$845$656$505$181
23 years$1,294$1,010$780$597$453$154
24 years$1,227$947$722$544$407$130
25 years$1,165$888$668$497$366$110
26 years$1,109$835$620$455$330$94
27 years$1,056$786$576$416$298$80
28 years$1,007$740$535$381$269$68
29 years$962$698$498$350$243$57
30 years$920$660$464$321$219$49
31 years$881$624$432$295$198$42
32 years$844$590$403$271$179$35
33 years$809$559$377$249$162$30
34 years$777$530$352$229$147$26
35 years$747$502$329$211$133$22
36 years$718$477$308$194$120$18
37 years$691$453$288$179$109$16
38 years$665$430$270$165$99$13
39 years$641$409$253$152$90$11
40 years$618$389$237$140$81$10
41 years$596$371$222$129$74$8
42 years$575$353$208$119$67$7
43 years$556$336$196$110$61$6
44 years$537$321$184$102$55$5
45 years$519$306$172$94$50$4
46 years$502$292$162$87$46$4
47 years$486$278$152$80$41$3
48 years$470$266$143$74$38$3
49 years$456$254$134$69$34$2
50 years$441$242$126$63$31$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $452,000, adding $3,921 every year, while hoping to spend $33,515 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: 40/32/28 Blend
34$452,000$452,000$452,000$452,000
35$502,149$478,193$471,187$517,952
36$517,708$465,964$451,312$517,570
37$533,731$452,014$429,648$513,755
38$550,230$436,221$406,099$508,988
39$567,217$418,459$380,567$503,203
40$584,703$398,593$352,946$496,331
41$602,702$376,483$323,128$488,298
42$621,224$351,978$291,000$479,026
43$640,283$324,919$256,443$468,433
44$659,891$295,138$219,332$456,432
45$680,058$262,459$179,538$442,931
46$700,798$226,693$136,927$427,834
47$722,121$187,643$91,356$411,039
48$744,040$145,100$42,678$392,438
49$766,564$98,842$0$371,916
50$789,705$48,637$0$352,124
51$813,473$0$0$343,952
52$837,875$0$0$336,582
53$862,922$0$0$346,591
54$888,621$0$0$356,855
55$914,978$0$0$367,375
56$941,998$0$0$378,154
57$969,686$0$0$389,190
58$998,043$0$0$400,485
59$1,027,070$0$0$412,038
60$1,056,766$0$0$423,846
61$1,087,127$0$0$435,907
62$1,118,145$0$0$448,215
63$1,149,811$0$0$460,767
64$1,182,111$0$0$473,554
65$1,215,030$0$0$486,568
66$1,248,545$0$0$499,797
67$1,282,631$0$0$513,229
68$1,317,255$0$0$526,849
69$1,352,381$0$0$540,637
70$1,387,963$0$0$554,574
71$1,423,951$0$0$568,634
72$1,460,283$0$0$582,790
73$1,496,891$0$0$597,008
74$1,533,693$0$0$611,252
75$1,570,600$0$0$625,479
76$1,607,506$0$0$639,642
77$1,644,292$0$0$653,685
78$1,680,824$0$0$667,549
79$1,716,951$0$0$681,162
80$1,752,500$0$0$694,449
81$1,787,278$0$0$707,320
82$1,821,068$0$0$719,679
83$1,853,626$0$0$731,414
84$1,884,680$0$0$742,404
85$1,913,924$0$0$752,512
86$1,941,016$0$0$761,583
87$1,965,576$0$0$769,448
88$1,987,179$0$0$775,915
89$2,005,349$0$0$780,774
90$2,019,561$0$0$783,788
91$2,029,227$0$0$784,696
92$2,033,694$0$0$783,207
93$2,032,238$0$0$778,997
94$2,024,053$0$0$771,710
95$2,008,246$0$0$760,947
96$1,983,825$0$0$746,267
97$1,949,692$0$0$727,183
98$1,904,628$0$0$703,153
99$1,847,283$0$0$673,578
100$1,776,163$0$0$637,797