Can I retire at age 35 with 455,000?

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 $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%16.4%
1 years$37,573$37,239$36,912$36,594$36,282$35,334
2 years$18,601$18,254$17,919$17,593$17,277$16,328
3 years$12,277$11,929$11,595$11,272$10,961$10,041
4 years$9,116$8,769$8,438$8,121$7,818$6,934
5 years$7,220$6,875$6,548$6,238$5,943$5,097
6 years$5,956$5,614$5,292$4,988$4,702$3,896
7 years$5,054$4,715$4,398$4,101$3,824$3,058
8 years$4,378$4,041$3,729$3,440$3,173$2,445
9 years$3,852$3,519$3,212$2,930$2,672$1,983
10 years$3,431$3,102$2,800$2,526$2,277$1,625
11 years$3,088$2,761$2,465$2,198$1,958$1,343
12 years$2,801$2,478$2,188$1,928$1,697$1,117
13 years$2,559$2,240$1,955$1,702$1,480$934
14 years$2,352$2,036$1,756$1,511$1,297$785
15 years$2,173$1,860$1,586$1,348$1,142$662
16 years$2,016$1,706$1,438$1,207$1,009$560
17 years$1,878$1,571$1,308$1,084$895$474
18 years$1,755$1,452$1,194$977$796$403
19 years$1,645$1,346$1,093$883$709$343
20 years$1,546$1,251$1,003$800$633$292
21 years$1,457$1,165$923$726$567$249
22 years$1,376$1,087$851$660$508$213
23 years$1,303$1,017$785$601$456$182
24 years$1,235$953$726$548$410$155
25 years$1,173$894$673$501$369$133
26 years$1,116$840$624$458$332$114
27 years$1,063$791$579$419$300$98
28 years$1,014$745$539$384$270$84
29 years$969$703$501$352$244$72
30 years$926$664$467$323$221$62
31 years$887$628$435$297$199$53
32 years$850$594$406$273$180$45
33 years$815$562$379$251$163$39
34 years$782$533$354$231$148$33
35 years$752$506$331$212$134$29
36 years$723$480$310$196$121$25
37 years$695$456$290$180$110$21
38 years$670$433$272$166$100$18
39 years$645$412$254$153$90$16
40 years$622$392$239$141$82$13
41 years$600$373$224$130$74$11
42 years$579$355$210$120$67$10
43 years$559$338$197$111$61$8
44 years$541$323$185$103$56$7
45 years$523$308$174$95$50$6
46 years$505$294$163$87$46$5
47 years$489$280$153$81$42$5
48 years$473$267$144$75$38$4
49 years$459$255$135$69$34$3
50 years$444$244$127$64$31$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $455,000, adding $6,460 every year, while hoping to spend $31,331 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: 59/35/6 Blend
34$455,000$455,000$455,000$455,000
35$508,073$483,958$476,906$537,069
36$526,561$474,337$459,546$547,653
37$545,884$463,193$440,555$555,031
38$566,095$450,420$419,845$562,284
39$587,251$435,904$397,323$569,402
40$609,411$419,525$372,894$576,373
41$632,643$401,154$346,459$583,188
42$657,019$380,656$317,911$589,838
43$682,616$357,890$287,142$596,314
44$709,520$332,703$254,038$602,610
45$737,821$304,936$218,479$608,718
46$767,622$274,420$180,341$614,635
47$799,030$240,978$139,493$620,358
48$832,164$204,419$95,799$625,887
49$867,155$164,546$49,119$631,224
50$904,144$121,147$0$636,375
51$943,284$74,001$0$641,394
52$984,744$22,872$0$649,607
53$1,028,709$0$0$657,897
54$1,075,378$0$0$678,810
55$1,124,973$0$0$710,413
56$1,177,734$0$0$744,055
57$1,233,924$0$0$779,906
58$1,293,831$0$0$818,151
59$1,357,771$0$0$858,997
60$1,426,090$0$0$902,667
61$1,499,167$0$0$949,407
62$1,577,418$0$0$999,487
63$1,661,298$0$0$1,053,201
64$1,751,309$0$0$1,110,875
65$1,847,997$0$0$1,172,865
66$1,951,967$0$0$1,239,561
67$2,063,880$0$0$1,311,393
68$2,184,460$0$0$1,388,831
69$2,314,508$0$0$1,472,394
70$2,454,897$0$0$1,562,651
71$2,606,593$0$0$1,660,226
72$2,770,652$0$0$1,765,806
73$2,948,237$0$0$1,880,147
74$3,140,629$0$0$2,004,079
75$3,349,232$0$0$2,138,514
76$3,575,593$0$0$2,284,458
77$3,821,412$0$0$2,443,015
78$4,088,559$0$0$2,615,399
79$4,379,092$0$0$2,802,946
80$4,695,275$0$0$3,007,128
81$5,039,598$0$0$3,229,562
82$5,414,803$0$0$3,472,030
83$5,823,905$0$0$3,736,490
84$6,270,225$0$0$4,025,100
85$6,757,416$0$0$4,340,234
86$7,289,500$0$0$4,684,505
87$7,870,907$0$0$5,060,792
88$8,506,510$0$0$5,472,262
89$9,201,677$0$0$5,922,403
90$9,962,317$0$0$6,415,055
91$10,794,937$0$0$6,954,448
92$11,706,704$0$0$7,545,238
93$12,705,507$0$0$8,192,554
94$13,800,037$0$0$8,902,043
95$14,999,864$0$0$9,679,927
96$16,315,528$0$0$10,533,056
97$17,758,639$0$0$11,468,976
98$19,341,983$0$0$12,495,999
99$21,079,645$0$0$13,623,279
100$22,987,139$0$0$14,860,902