Can I retire at age 35 with 454,000?

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 $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%11.4%
1 years$37,491$37,157$36,831$36,513$36,203$35,990
2 years$18,560$18,214$17,879$17,554$17,239$17,024
3 years$12,250$11,903$11,569$11,247$10,937$10,727
4 years$9,096$8,750$8,419$8,103$7,801$7,597
5 years$7,204$6,860$6,534$6,224$5,930$5,733
6 years$5,943$5,602$5,280$4,977$4,692$4,503
7 years$5,043$4,704$4,388$4,092$3,816$3,634
8 years$4,368$4,033$3,721$3,433$3,166$2,991
9 years$3,843$3,511$3,205$2,924$2,666$2,498
10 years$3,424$3,095$2,794$2,520$2,272$2,111
11 years$3,081$2,755$2,460$2,194$1,954$1,800
12 years$2,795$2,473$2,183$1,924$1,693$1,547
13 years$2,554$2,235$1,951$1,699$1,476$1,337
14 years$2,347$2,031$1,753$1,508$1,294$1,161
15 years$2,168$1,856$1,582$1,345$1,139$1,013
16 years$2,011$1,703$1,435$1,204$1,007$887
17 years$1,873$1,568$1,305$1,082$893$779
18 years$1,751$1,449$1,192$975$794$686
19 years$1,641$1,343$1,091$881$708$605
20 years$1,543$1,248$1,001$798$632$535
21 years$1,454$1,162$921$724$566$474
22 years$1,373$1,085$849$658$507$421
23 years$1,300$1,015$784$600$455$374
24 years$1,232$951$725$547$409$332
25 years$1,170$892$671$499$368$296
26 years$1,113$839$623$457$332$264
27 years$1,061$789$578$418$299$235
28 years$1,012$744$537$383$270$210
29 years$966$702$500$351$244$187
30 years$924$663$466$322$220$167
31 years$885$626$434$296$199$150
32 years$848$593$405$272$180$134
33 years$813$561$378$250$163$120
34 years$781$532$354$230$147$107
35 years$750$504$331$212$134$96
36 years$721$479$309$195$121$86
37 years$694$455$289$180$110$77
38 years$668$432$271$166$99$69
39 years$644$411$254$153$90$62
40 years$621$391$238$141$82$55
41 years$599$372$223$130$74$50
42 years$578$354$209$120$67$45
43 years$558$338$196$111$61$40
44 years$539$322$184$102$55$36
45 years$521$307$173$94$50$32
46 years$504$293$163$87$46$29
47 years$488$279$153$81$42$26
48 years$472$267$144$74$38$23
49 years$458$255$135$69$34$21
50 years$443$243$127$64$31$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $454,000, adding $4,339 every year, while hoping to spend $28,146 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: 32/44/24 Blend
34$454,000$454,000$454,000$454,000
35$504,784$480,722$473,685$517,103
36$526,324$474,330$459,606$520,399
37$549,119$466,682$444,112$521,123
38$573,266$457,686$427,127$521,333
39$598,872$447,245$408,568$521,003
40$626,054$435,257$388,353$520,106
41$654,941$421,615$366,392$518,615
42$685,673$406,202$342,594$516,504
43$718,403$388,897$316,863$513,748
44$753,300$369,573$289,097$510,320
45$790,548$348,093$259,193$506,198
46$830,347$324,313$227,039$501,360
47$872,920$298,081$192,522$495,784
48$918,508$269,238$155,522$489,452
49$967,377$237,612$115,914$482,349
50$1,019,820$203,025$73,567$474,462
51$1,076,155$165,287$28,345$465,784
52$1,136,734$124,197$0$456,310
53$1,201,943$79,545$0$451,141
54$1,272,206$31,107$0$453,264
55$1,347,986$0$0$455,467
56$1,429,795$0$0$468,155
57$1,518,195$0$0$498,192
58$1,613,802$0$0$530,736
59$1,717,295$0$0$566,024
60$1,829,419$0$0$604,317
61$1,950,994$0$0$645,903
62$2,082,921$0$0$691,100
63$2,226,192$0$0$740,256
64$2,381,898$0$0$793,753
65$2,551,237$0$0$852,013
66$2,735,530$0$0$915,501
67$2,936,229$0$0$984,727
68$3,154,932$0$0$1,060,253
69$3,393,397$0$0$1,142,698
70$3,653,561$0$0$1,232,743
71$3,937,554$0$0$1,331,137
72$4,247,721$0$0$1,438,707
73$4,586,644$0$0$1,556,359
74$4,957,166$0$0$1,685,096
75$5,362,415$0$0$1,826,019
76$5,805,837$0$0$1,980,340
77$6,291,227$0$0$2,149,397
78$6,822,762$0$0$2,334,659
79$7,405,044$0$0$2,537,748
80$8,043,138$0$0$2,760,449
81$8,742,626$0$0$3,004,726
82$9,509,653$0$0$3,272,744
83$10,350,987$0$0$3,566,889
84$11,274,086$0$0$3,889,788
85$12,287,160$0$0$4,244,332
86$13,399,257$0$0$4,633,710
87$14,620,339$0$0$5,061,434
88$15,961,384$0$0$5,531,370
89$17,434,483$0$0$6,047,780
90$19,052,958$0$0$6,615,359
91$20,831,481$0$0$7,239,278
92$22,786,221$0$0$7,925,235
93$24,934,986$0$0$8,679,508
94$27,297,400$0$0$9,509,012
95$29,895,079$0$0$10,421,368
96$32,751,843$0$0$11,424,971
97$35,893,931$0$0$12,529,070
98$39,350,257$0$0$13,743,859
99$43,152,674$0$0$15,080,566
100$47,336,283$0$0$16,551,565