Can I retire at age 35 with 454,000?

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 $454,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$37,491$37,157$36,831$36,513$36,203$36,050
2 years$18,560$18,214$17,879$17,554$17,239$17,085
3 years$12,250$11,903$11,569$11,247$10,937$10,787
4 years$9,096$8,750$8,419$8,103$7,801$7,654
5 years$7,204$6,860$6,534$6,224$5,930$5,789
6 years$5,943$5,602$5,280$4,977$4,692$4,556
7 years$5,043$4,704$4,388$4,092$3,816$3,685
8 years$4,368$4,033$3,721$3,433$3,166$3,040
9 years$3,843$3,511$3,205$2,924$2,666$2,545
10 years$3,424$3,095$2,794$2,520$2,272$2,156
11 years$3,081$2,755$2,460$2,194$1,954$1,843
12 years$2,795$2,473$2,183$1,924$1,693$1,587
13 years$2,554$2,235$1,951$1,699$1,476$1,375
14 years$2,347$2,031$1,753$1,508$1,294$1,198
15 years$2,168$1,856$1,582$1,345$1,139$1,048
16 years$2,011$1,703$1,435$1,204$1,007$920
17 years$1,873$1,568$1,305$1,082$893$810
18 years$1,751$1,449$1,192$975$794$715
19 years$1,641$1,343$1,091$881$708$633
20 years$1,543$1,248$1,001$798$632$562
21 years$1,454$1,162$921$724$566$499
22 years$1,373$1,085$849$658$507$444
23 years$1,300$1,015$784$600$455$396
24 years$1,232$951$725$547$409$353
25 years$1,170$892$671$499$368$315
26 years$1,113$839$623$457$332$282
27 years$1,061$789$578$418$299$252
28 years$1,012$744$537$383$270$226
29 years$966$702$500$351$244$202
30 years$924$663$466$322$220$181
31 years$885$626$434$296$199$162
32 years$848$593$405$272$180$146
33 years$813$561$378$250$163$131
34 years$781$532$354$230$147$117
35 years$750$504$331$212$134$106
36 years$721$479$309$195$121$95
37 years$694$455$289$180$110$85
38 years$668$432$271$166$99$77
39 years$644$411$254$153$90$69
40 years$621$391$238$141$82$62
41 years$599$372$223$130$74$56
42 years$578$354$209$120$67$50
43 years$558$338$196$111$61$45
44 years$539$322$184$102$55$41
45 years$521$307$173$94$50$37
46 years$504$293$163$87$46$33
47 years$488$279$153$81$42$30
48 years$472$267$144$74$38$27
49 years$458$255$135$69$34$24
50 years$443$243$127$64$31$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $454,000, adding $3,549 every year, while hoping to spend $31,789 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: 44/26/30 Blend
34$454,000$454,000$454,000$454,000
35$503,969$479,907$472,870$521,620
36$521,550$469,599$454,888$524,295
37$539,860$457,721$435,238$523,912
38$558,938$444,161$413,831$522,902
39$578,828$428,804$390,573$521,223
40$599,578$411,525$365,366$518,836
41$621,238$392,193$338,109$515,696
42$643,864$370,669$308,695$511,761
43$667,514$346,808$277,012$506,984
44$692,252$320,453$242,944$501,318
45$718,148$291,442$206,369$494,714
46$745,277$259,601$167,160$487,123
47$773,721$224,746$125,185$478,492
48$803,567$186,686$80,306$468,770
49$834,911$145,214$32,377$457,901
50$867,859$100,116$0$445,832
51$902,522$51,163$0$438,515
52$939,024$0$0$441,334
53$977,500$0$0$444,451
54$1,018,095$0$0$463,205
55$1,060,968$0$0$483,034
56$1,106,294$0$0$504,023
57$1,154,262$0$0$526,261
58$1,205,080$0$0$549,849
59$1,258,973$0$0$574,895
60$1,316,189$0$0$601,517
61$1,376,998$0$0$629,847
62$1,441,696$0$0$660,026
63$1,510,607$0$0$692,210
64$1,584,085$0$0$726,571
65$1,662,519$0$0$763,294
66$1,746,335$0$0$802,585
67$1,835,998$0$0$844,670
68$1,932,020$0$0$889,793
69$2,034,962$0$0$938,227
70$2,145,439$0$0$990,268
71$2,264,127$0$0$1,046,242
72$2,391,766$0$0$1,106,507
73$2,529,171$0$0$1,171,455
74$2,677,234$0$0$1,241,519
75$2,836,937$0$0$1,317,173
76$3,009,359$0$0$1,398,937
77$3,195,684$0$0$1,487,385
78$3,397,214$0$0$1,583,145
79$3,615,381$0$0$1,686,911
80$3,851,758$0$0$1,799,443
81$4,108,075$0$0$1,921,578
82$4,386,235$0$0$2,054,236
83$4,688,330$0$0$2,198,430
84$5,016,661$0$0$2,355,273
85$5,373,761$0$0$2,525,992
86$5,762,415$0$0$2,711,934
87$6,185,689$0$0$2,914,584
88$6,646,955$0$0$3,135,573
89$7,149,926$0$0$3,376,701
90$7,698,687$0$0$3,639,944
91$8,297,734$0$0$3,927,480
92$8,952,019$0$0$4,241,708
93$9,666,989$0$0$4,585,266
94$10,448,646$0$0$4,961,061
95$11,303,593$0$0$5,372,292
96$12,239,105$0$0$5,822,482
97$13,263,189$0$0$6,315,511
98$14,384,664$0$0$6,855,652
99$15,613,241$0$0$7,447,611
100$16,959,615$0$0$8,096,568