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%14.8%
1 years$37,573$37,239$36,912$36,594$36,282$35,564
2 years$18,601$18,254$17,919$17,593$17,277$16,557
3 years$12,277$11,929$11,595$11,272$10,961$10,261
4 years$9,116$8,769$8,438$8,121$7,818$7,143
5 years$7,220$6,875$6,548$6,238$5,943$5,296
6 years$5,956$5,614$5,292$4,988$4,702$4,083
7 years$5,054$4,715$4,398$4,101$3,824$3,234
8 years$4,378$4,041$3,729$3,440$3,173$2,610
9 years$3,852$3,519$3,212$2,930$2,672$2,137
10 years$3,431$3,102$2,800$2,526$2,277$1,769
11 years$3,088$2,761$2,465$2,198$1,958$1,477
12 years$2,801$2,478$2,188$1,928$1,697$1,241
13 years$2,559$2,240$1,955$1,702$1,480$1,050
14 years$2,352$2,036$1,756$1,511$1,297$891
15 years$2,173$1,860$1,586$1,348$1,142$760
16 years$2,016$1,706$1,438$1,207$1,009$650
17 years$1,878$1,571$1,308$1,084$895$557
18 years$1,755$1,452$1,194$977$796$479
19 years$1,645$1,346$1,093$883$709$412
20 years$1,546$1,251$1,003$800$633$355
21 years$1,457$1,165$923$726$567$307
22 years$1,376$1,087$851$660$508$265
23 years$1,303$1,017$785$601$456$230
24 years$1,235$953$726$548$410$199
25 years$1,173$894$673$501$369$172
26 years$1,116$840$624$458$332$150
27 years$1,063$791$579$419$300$130
28 years$1,014$745$539$384$270$113
29 years$969$703$501$352$244$98
30 years$926$664$467$323$221$85
31 years$887$628$435$297$199$74
32 years$850$594$406$273$180$64
33 years$815$562$379$251$163$56
34 years$782$533$354$231$148$49
35 years$752$506$331$212$134$42
36 years$723$480$310$196$121$37
37 years$695$456$290$180$110$32
38 years$670$433$272$166$100$28
39 years$645$412$254$153$90$24
40 years$622$392$239$141$82$21
41 years$600$373$224$130$74$18
42 years$579$355$210$120$67$16
43 years$559$338$197$111$61$14
44 years$541$323$185$103$56$12
45 years$523$308$174$95$50$11
46 years$505$294$163$87$46$9
47 years$489$280$153$81$42$8
48 years$473$267$144$75$38$7
49 years$459$255$135$69$34$6
50 years$444$244$127$64$31$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $455,000, adding $2,520 every year, while hoping to spend $24,970 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: 52/21/27 Blend
34$455,000$455,000$455,000$455,000
35$504,009$479,894$472,842$526,290
36$528,850$476,841$462,114$538,969
37$555,388$472,802$450,190$550,020
38$583,770$467,701$437,004$561,543
39$614,156$461,460$422,485$573,594
40$646,723$453,994$406,561$586,234
41$681,664$445,216$389,156$599,535
42$719,193$435,030$370,192$613,575
43$759,540$423,337$349,583$628,442
44$802,964$410,030$327,245$644,237
45$849,744$395,000$303,085$661,068
46$900,190$378,126$277,010$679,063
47$954,640$359,285$248,921$698,358
48$1,013,466$338,343$218,713$719,111
49$1,077,079$315,161$186,279$741,494
50$1,145,927$289,591$151,505$765,701
51$1,220,506$261,475$114,276$791,949
52$1,301,360$230,649$74,466$820,479
53$1,389,086$196,939$31,948$851,558
54$1,484,343$160,158$0$885,487
55$1,587,853$120,113$0$926,465
56$1,700,412$76,597$0$981,068
57$1,822,896$29,392$0$1,040,536
58$1,956,268$0$0$1,105,370
59$2,101,589$0$0$1,181,145
60$2,260,024$0$0$1,271,206
61$2,432,859$0$0$1,369,495
62$2,621,505$0$0$1,476,821
63$2,827,518$0$0$1,594,074
64$3,052,612$0$0$1,722,236
65$3,298,670$0$0$1,862,386
66$3,567,770$0$0$2,015,713
67$3,862,195$0$0$2,183,524
68$4,184,464$0$0$2,367,262
69$4,537,345$0$0$2,568,514
70$4,923,892$0$0$2,789,026
71$5,347,464$0$0$3,030,724
72$5,811,763$0$0$3,295,728
73$6,320,864$0$0$3,586,372
74$6,879,257$0$0$3,905,228
75$7,491,887$0$0$4,255,128
76$8,164,199$0$0$4,639,192
77$8,902,194$0$0$5,060,857
78$9,712,479$0$0$5,523,909
79$10,602,335$0$0$6,032,517
80$11,579,781$0$0$6,591,277
81$12,653,650$0$0$7,205,248
82$13,833,674$0$0$7,880,007
83$15,130,576$0$0$8,621,695
84$16,556,167$0$0$9,437,081
85$18,123,459$0$0$10,333,619
86$19,846,790$0$0$11,319,523
87$21,741,955$0$0$12,403,844
88$23,826,357$0$0$13,596,552
89$26,119,170$0$0$14,908,632
90$28,641,519$0$0$16,352,190
91$31,416,681$0$0$17,940,562
92$34,470,301$0$0$19,688,441
93$37,830,638$0$0$21,612,020
94$41,528,828$0$0$23,729,137
95$45,599,175$0$0$26,059,450
96$50,079,482$0$0$28,624,618
97$55,011,399$0$0$31,448,506
98$60,440,823$0$0$34,557,414
99$66,418,322$0$0$37,980,316
100$72,999,622$0$0$41,749,142