Can I retire at age 35 with 455,000?

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 $455,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$37,573$37,239$36,912$36,594$36,282$36,084
2 years$18,601$18,254$17,919$17,593$17,277$17,077
3 years$12,277$11,929$11,595$11,272$10,961$10,766
4 years$9,116$8,769$8,438$8,121$7,818$7,628
5 years$7,220$6,875$6,548$6,238$5,943$5,760
6 years$5,956$5,614$5,292$4,988$4,702$4,526
7 years$5,054$4,715$4,398$4,101$3,824$3,654
8 years$4,378$4,041$3,729$3,440$3,173$3,010
9 years$3,852$3,519$3,212$2,930$2,672$2,516
10 years$3,431$3,102$2,800$2,526$2,277$2,127
11 years$3,088$2,761$2,465$2,198$1,958$1,815
12 years$2,801$2,478$2,188$1,928$1,697$1,560
13 years$2,559$2,240$1,955$1,702$1,480$1,349
14 years$2,352$2,036$1,756$1,511$1,297$1,173
15 years$2,173$1,860$1,586$1,348$1,142$1,024
16 years$2,016$1,706$1,438$1,207$1,009$897
17 years$1,878$1,571$1,308$1,084$895$788
18 years$1,755$1,452$1,194$977$796$695
19 years$1,645$1,346$1,093$883$709$614
20 years$1,546$1,251$1,003$800$633$543
21 years$1,457$1,165$923$726$567$481
22 years$1,376$1,087$851$660$508$427
23 years$1,303$1,017$785$601$456$380
24 years$1,235$953$726$548$410$338
25 years$1,173$894$673$501$369$301
26 years$1,116$840$624$458$332$269
27 years$1,063$791$579$419$300$240
28 years$1,014$745$539$384$270$214
29 years$969$703$501$352$244$191
30 years$926$664$467$323$221$171
31 years$887$628$435$297$199$153
32 years$850$594$406$273$180$137
33 years$815$562$379$251$163$123
34 years$782$533$354$231$148$110
35 years$752$506$331$212$134$98
36 years$723$480$310$196$121$88
37 years$695$456$290$180$110$79
38 years$670$433$272$166$100$71
39 years$645$412$254$153$90$64
40 years$622$392$239$141$82$57
41 years$600$373$224$130$74$51
42 years$579$355$210$120$67$46
43 years$559$338$197$111$61$41
44 years$541$323$185$103$56$37
45 years$523$308$174$95$50$33
46 years$505$294$163$87$46$30
47 years$489$280$153$81$42$27
48 years$473$267$144$75$38$24
49 years$459$255$135$69$34$22
50 years$444$244$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 $455,000, adding $6,066 every year, while hoping to spend $30,325 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: 53/19/28 Blend
34$455,000$455,000$455,000$455,000
35$507,667$483,552$476,500$530,319
36$527,184$474,981$460,197$538,094
37$547,674$464,973$442,331$542,972
38$569,207$453,426$422,819$547,676
39$591,854$440,232$401,572$552,204
40$615,696$425,276$378,497$556,552
41$640,819$408,437$353,499$560,719
42$667,318$389,586$326,477$564,706
43$695,296$368,587$297,325$568,514
44$724,864$345,296$265,934$572,149
45$756,146$319,561$232,188$575,620
46$789,275$291,222$195,969$578,938
47$824,398$260,108$157,150$582,117
48$861,673$226,040$115,601$585,179
49$901,275$188,828$71,186$588,147
50$943,396$148,271$23,761$591,052
51$988,245$104,158$0$593,930
52$1,036,049$56,266$0$604,849
53$1,087,060$4,357$0$623,935
54$1,141,553$0$0$644,192
55$1,199,827$0$0$676,578
56$1,262,213$0$0$712,253
57$1,329,073$0$0$750,517
58$1,400,803$0$0$791,601
59$1,477,838$0$0$835,758
60$1,560,657$0$0$883,267
61$1,649,784$0$0$934,432
62$1,745,796$0$0$989,591
63$1,849,323$0$0$1,049,110
64$1,961,063$0$0$1,113,396
65$2,081,778$0$0$1,182,894
66$2,212,308$0$0$1,258,092
67$2,353,574$0$0$1,339,528
68$2,506,591$0$0$1,427,793
69$2,672,475$0$0$1,523,539
70$2,852,449$0$0$1,627,478
71$3,047,864$0$0$1,740,399
72$3,260,202$0$0$1,863,165
73$3,491,094$0$0$1,996,729
74$3,742,335$0$0$2,142,137
75$4,015,900$0$0$2,300,542
76$4,313,962$0$0$2,473,211
77$4,638,912$0$0$2,661,539
78$4,993,382$0$0$2,867,063
79$5,380,269$0$0$3,091,473
80$5,802,762$0$0$3,336,630
81$6,264,371$0$0$3,604,582
82$6,768,960$0$0$3,897,586
83$7,320,784$0$0$4,218,124
84$7,924,528$0$0$4,568,931
85$8,585,351$0$0$4,953,017
86$9,308,931$0$0$5,373,699
87$10,101,525$0$0$5,834,629
88$10,970,021$0$0$6,339,826
89$11,922,004$0$0$6,893,721
90$12,965,831$0$0$7,501,191
91$14,110,703$0$0$8,167,609
92$15,366,757$0$0$8,898,892
93$16,745,156$0$0$9,701,559
94$18,258,197$0$0$10,582,789
95$19,919,428$0$0$11,550,493
96$21,743,769$0$0$12,613,383
97$23,747,659$0$0$13,781,057
98$25,949,205$0$0$15,064,089
99$28,368,357$0$0$16,474,127
100$31,027,090$0$0$18,024,003