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%12.9%
1 years$37,491$37,157$36,831$36,513$36,203$35,765
2 years$18,560$18,214$17,879$17,554$17,239$16,799
3 years$12,250$11,903$11,569$11,247$10,937$10,508
4 years$9,096$8,750$8,419$8,103$7,801$7,385
5 years$7,204$6,860$6,534$6,224$5,930$5,530
6 years$5,943$5,602$5,280$4,977$4,692$4,308
7 years$5,043$4,704$4,388$4,092$3,816$3,448
8 years$4,368$4,033$3,721$3,433$3,166$2,814
9 years$3,843$3,511$3,205$2,924$2,666$2,330
10 years$3,424$3,095$2,794$2,520$2,272$1,951
11 years$3,081$2,755$2,460$2,194$1,954$1,649
12 years$2,795$2,473$2,183$1,924$1,693$1,403
13 years$2,554$2,235$1,951$1,699$1,476$1,201
14 years$2,347$2,031$1,753$1,508$1,294$1,033
15 years$2,168$1,856$1,582$1,345$1,139$892
16 years$2,011$1,703$1,435$1,204$1,007$773
17 years$1,873$1,568$1,305$1,082$893$672
18 years$1,751$1,449$1,192$975$794$585
19 years$1,641$1,343$1,091$881$708$511
20 years$1,543$1,248$1,001$798$632$447
21 years$1,454$1,162$921$724$566$392
22 years$1,373$1,085$849$658$507$344
23 years$1,300$1,015$784$600$455$302
24 years$1,232$951$725$547$409$265
25 years$1,170$892$671$499$368$233
26 years$1,113$839$623$457$332$206
27 years$1,061$789$578$418$299$181
28 years$1,012$744$537$383$270$160
29 years$966$702$500$351$244$141
30 years$924$663$466$322$220$124
31 years$885$626$434$296$199$110
32 years$848$593$405$272$180$97
33 years$813$561$378$250$163$86
34 years$781$532$354$230$147$76
35 years$750$504$331$212$134$67
36 years$721$479$309$195$121$59
37 years$694$455$289$180$110$52
38 years$668$432$271$166$99$46
39 years$644$411$254$153$90$41
40 years$621$391$238$141$82$36
41 years$599$372$223$130$74$32
42 years$578$354$209$120$67$28
43 years$558$338$196$111$61$25
44 years$539$322$184$102$55$22
45 years$521$307$173$94$50$20
46 years$504$293$163$87$46$17
47 years$488$279$153$81$42$15
48 years$472$267$144$74$38$14
49 years$458$255$135$69$34$12
50 years$443$243$127$64$31$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $454,000, adding $4,738 every year, while hoping to spend $22,461 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: 43/28/29 Blend
34$454,000$454,000$454,000$454,000
35$505,195$481,133$474,096$522,475
36$532,827$480,810$466,080$535,008
37$562,524$479,719$457,043$546,102
38$594,474$477,798$446,926$557,698
39$628,882$474,981$435,669$569,855
40$665,973$471,200$423,210$582,642
41$705,995$466,382$409,480$596,134
42$749,220$460,449$394,411$610,417
43$795,948$453,318$377,931$625,586
44$846,506$444,902$359,964$641,750
45$901,257$435,109$340,430$659,028
46$960,597$423,842$319,246$677,555
47$1,024,963$410,995$296,326$697,482
48$1,094,836$396,460$271,579$718,977
49$1,170,743$380,121$244,911$742,228
50$1,253,267$361,855$216,224$767,445
51$1,343,046$341,531$185,413$794,862
52$1,440,783$319,013$152,371$824,739
53$1,547,253$294,155$116,985$857,368
54$1,663,308$266,803$79,139$893,070
55$1,789,885$236,796$38,710$932,207
56$1,928,015$203,961$0$975,179
57$2,078,835$168,118$0$1,023,803
58$2,243,595$129,074$0$1,090,072
59$2,423,671$86,628$0$1,162,590
60$2,620,578$40,566$0$1,242,010
61$2,835,985$0$0$1,329,056
62$3,071,729$0$0$1,427,407
63$3,329,833$0$0$1,548,825
64$3,612,525$0$0$1,681,866
65$3,922,257$0$0$1,827,692
66$4,261,731$0$0$1,987,582
67$4,633,922$0$0$2,162,944
68$5,042,109$0$0$2,355,331
69$5,489,899$0$0$2,566,453
70$5,981,269$0$0$2,798,191
71$6,520,598$0$0$3,052,621
72$7,112,710$0$0$3,332,026
73$7,762,917$0$0$3,638,924
74$8,477,075$0$0$3,976,087
75$9,261,630$0$0$4,346,569
76$10,123,687$0$0$4,753,735
77$11,071,070$0$0$5,201,293
78$12,112,401$0$0$5,693,326
79$13,257,180$0$0$6,234,333
80$14,515,868$0$0$6,829,272
81$15,899,997$0$0$7,483,605
82$17,422,267$0$0$8,203,349
83$19,096,673$0$0$8,995,134
84$20,938,635$0$0$9,866,264
85$22,965,141$0$0$10,824,789
86$25,194,910$0$0$11,879,577
87$27,648,567$0$0$13,040,399
88$30,348,835$0$0$14,318,022
89$33,320,754$0$0$15,724,309
90$36,591,913$0$0$17,272,331
91$40,192,713$0$0$18,976,492
92$44,156,649$0$0$20,852,662
93$48,520,632$0$0$22,918,329
94$53,325,331$0$0$25,192,764
95$58,615,561$0$0$27,697,199
96$64,440,702$0$0$30,455,032
97$70,855,167$0$0$33,492,044
98$77,918,916$0$0$36,836,645
99$85,698,018$0$0$40,520,141
100$94,265,276$0$0$44,577,027