Can I retire at age 35 with 452,000?

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 $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%11.2%
1 years$37,326$36,993$36,669$36,352$36,043$35,861
2 years$18,478$18,134$17,800$17,477$17,163$16,980
3 years$12,196$11,851$11,518$11,198$10,889$10,709
4 years$9,056$8,712$8,382$8,067$7,766$7,592
5 years$7,172$6,830$6,505$6,196$5,904$5,735
6 years$5,917$5,577$5,257$4,955$4,671$4,509
7 years$5,021$4,684$4,369$4,074$3,799$3,643
8 years$4,349$4,015$3,705$3,418$3,152$3,002
9 years$3,826$3,496$3,191$2,911$2,654$2,511
10 years$3,409$3,081$2,782$2,509$2,262$2,124
11 years$3,067$2,743$2,449$2,184$1,945$1,813
12 years$2,783$2,462$2,174$1,916$1,685$1,560
13 years$2,543$2,225$1,942$1,691$1,470$1,350
14 years$2,337$2,022$1,745$1,501$1,288$1,174
15 years$2,158$1,847$1,575$1,339$1,134$1,026
16 years$2,003$1,695$1,428$1,199$1,003$899
17 years$1,865$1,561$1,300$1,077$889$791
18 years$1,743$1,442$1,186$971$790$697
19 years$1,634$1,337$1,086$877$705$616
20 years$1,536$1,242$997$794$629$546
21 years$1,448$1,157$917$721$563$484
22 years$1,367$1,080$845$656$505$430
23 years$1,294$1,010$780$597$453$383
24 years$1,227$947$722$544$407$341
25 years$1,165$888$668$497$366$304
26 years$1,109$835$620$455$330$271
27 years$1,056$786$576$416$298$242
28 years$1,007$740$535$381$269$217
29 years$962$698$498$350$243$194
30 years$920$660$464$321$219$173
31 years$881$624$432$295$198$155
32 years$844$590$403$271$179$139
33 years$809$559$377$249$162$125
34 years$777$530$352$229$147$112
35 years$747$502$329$211$133$100
36 years$718$477$308$194$120$90
37 years$691$453$288$179$109$81
38 years$665$430$270$165$99$72
39 years$641$409$253$152$90$65
40 years$618$389$237$140$81$58
41 years$596$371$222$129$74$52
42 years$575$353$208$119$67$47
43 years$556$336$196$110$61$42
44 years$537$321$184$102$55$38
45 years$519$306$172$94$50$34
46 years$502$292$162$87$46$31
47 years$486$278$152$80$41$28
48 years$470$266$143$74$38$25
49 years$456$254$134$69$34$22
50 years$441$242$126$63$31$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $452,000, adding $3,649 every year, while hoping to spend $28,931 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: 58/12/30 Blend
34$452,000$452,000$452,000$452,000
35$501,868$477,912$470,906$526,655
36$522,276$470,547$455,899$536,713
37$543,796$461,852$439,420$544,337
38$566,511$451,731$421,388$552,066
39$590,512$440,082$401,721$559,919
40$615,896$426,797$380,330$567,919
41$642,771$411,765$357,125$576,092
42$671,256$394,863$332,011$584,469
43$701,478$375,965$304,887$593,085
44$733,578$354,937$275,650$601,981
45$767,709$331,635$244,191$611,202
46$804,040$305,910$210,396$620,804
47$842,755$277,602$174,147$630,845
48$884,054$246,543$135,319$641,396
49$928,160$212,556$93,784$652,536
50$975,312$175,451$49,406$664,353
51$1,025,778$135,032$2,045$676,949
52$1,079,847$91,088$0$690,437
53$1,137,839$43,399$0$720,470
54$1,200,102$0$0$753,376
55$1,267,022$0$0$789,807
56$1,339,020$0$0$835,194
57$1,416,559$0$0$884,104
58$1,500,147$0$0$936,859
59$1,590,343$0$0$993,816
60$1,687,759$0$0$1,055,367
61$1,793,072$0$0$1,121,941
62$1,907,020$0$0$1,194,013
63$2,030,419$0$0$1,272,101
64$2,164,165$0$0$1,356,778
65$2,309,243$0$0$1,448,672
66$2,466,734$0$0$1,548,474
67$2,637,832$0$0$1,656,945
68$2,823,845$0$0$1,774,922
69$3,026,215$0$0$1,903,325
70$3,246,529$0$0$2,043,168
71$3,486,532$0$0$2,195,563
72$3,748,143$0$0$2,361,739
73$4,033,478$0$0$2,543,045
74$4,344,862$0$0$2,740,967
75$4,684,857$0$0$2,957,141
76$5,056,280$0$0$3,193,367
77$5,462,237$0$0$3,451,629
78$5,906,142$0$0$3,734,107
79$6,391,759$0$0$4,043,207
80$6,923,229$0$0$4,381,574
81$7,505,114$0$0$4,752,122
82$8,142,436$0$0$5,158,060
83$8,840,727$0$0$5,602,922
84$9,606,078$0$0$6,090,601
85$10,445,198$0$0$6,625,382
86$11,365,476$0$0$7,211,988
87$12,375,050$0$0$7,855,618
88$13,482,886$0$0$8,562,001
89$14,698,857$0$0$9,337,445
90$16,033,839$0$0$10,188,902
91$17,499,814$0$0$11,124,027
92$19,109,980$0$0$12,151,254
93$20,878,876$0$0$13,279,875
94$22,822,520$0$0$14,520,125
95$24,958,556$0$0$15,883,279
96$27,306,424$0$0$17,381,762
97$29,887,540$0$0$19,029,259
98$32,725,500$0$0$20,840,849
99$35,846,300$0$0$22,833,146
100$39,278,578$0$0$25,024,452