Can I retire at age 35 with 456,000?

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 $456,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$37,656$37,321$36,993$36,674$36,362$36,057
2 years$18,642$18,294$17,958$17,632$17,315$17,008
3 years$12,304$11,956$11,620$11,297$10,986$10,686
4 years$9,136$8,789$8,456$8,139$7,835$7,544
5 years$7,236$6,890$6,562$6,251$5,956$5,676
6 years$5,969$5,627$5,303$4,999$4,713$4,443
7 years$5,065$4,725$4,407$4,110$3,833$3,574
8 years$4,387$4,050$3,738$3,448$3,180$2,932
9 years$3,860$3,527$3,219$2,937$2,678$2,440
10 years$3,439$3,108$2,807$2,532$2,282$2,055
11 years$3,094$2,767$2,471$2,203$1,962$1,746
12 years$2,808$2,484$2,193$1,933$1,700$1,494
13 years$2,565$2,245$1,959$1,706$1,483$1,286
14 years$2,357$2,040$1,760$1,515$1,300$1,113
15 years$2,177$1,864$1,589$1,351$1,144$967
16 years$2,020$1,710$1,441$1,209$1,011$843
17 years$1,882$1,575$1,311$1,087$897$738
18 years$1,759$1,455$1,197$979$797$647
19 years$1,649$1,349$1,096$885$711$568
20 years$1,550$1,253$1,006$801$635$500
21 years$1,460$1,167$925$727$568$441
22 years$1,379$1,090$853$661$509$390
23 years$1,305$1,019$787$602$457$345
24 years$1,238$955$728$549$411$305
25 years$1,176$896$674$502$370$270
26 years$1,118$842$625$459$333$240
27 years$1,065$793$581$420$300$213
28 years$1,016$747$540$385$271$189
29 years$971$705$502$353$245$168
30 years$928$665$468$324$221$149
31 years$889$629$436$297$200$133
32 years$851$595$407$273$181$118
33 years$817$564$380$251$164$105
34 years$784$534$355$231$148$94
35 years$753$507$332$213$134$84
36 years$724$481$311$196$122$74
37 years$697$457$291$181$110$66
38 years$671$434$272$166$100$59
39 years$647$413$255$153$91$53
40 years$623$393$239$142$82$47
41 years$601$374$224$131$75$42
42 years$581$356$210$121$68$37
43 years$561$339$197$111$61$33
44 years$542$323$185$103$56$30
45 years$524$308$174$95$51$27
46 years$507$294$163$88$46$24
47 years$490$281$153$81$42$21
48 years$475$268$144$75$38$19
49 years$460$256$136$69$34$17
50 years$445$244$127$64$31$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $456,000, adding $4,478 every year, while hoping to spend $34,369 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: 48/38/14 Blend
34$456,000$456,000$456,000$456,000
35$507,131$482,963$475,895$529,294
36$522,290$470,060$455,269$532,162
37$537,843$455,373$432,800$531,366
38$553,795$438,777$408,391$529,743
39$570,148$420,143$381,938$527,226
40$586,905$399,332$353,335$523,747
41$604,067$376,197$322,469$519,231
42$621,634$350,583$289,224$513,600
43$639,606$322,327$253,478$506,771
44$657,980$291,255$215,104$498,655
45$676,751$257,184$173,967$489,158
46$695,914$219,921$129,930$478,179
47$715,462$179,261$82,846$465,612
48$735,383$134,988$32,566$451,343
49$755,664$86,875$0$435,253
50$776,291$34,681$0$420,363
51$797,243$0$0$408,783
52$818,498$0$0$404,660
53$840,028$0$0$415,158
54$861,804$0$0$425,757
55$883,787$0$0$436,437
56$905,937$0$0$447,175
57$928,203$0$0$457,944
58$950,532$0$0$468,714
59$972,859$0$0$479,451
60$995,112$0$0$490,115
61$1,017,211$0$0$500,662
62$1,039,062$0$0$511,042
63$1,060,562$0$0$521,200
64$1,081,595$0$0$531,071
65$1,102,027$0$0$540,586
66$1,121,712$0$0$549,665
67$1,140,484$0$0$558,219
68$1,158,158$0$0$566,148
69$1,174,527$0$0$573,343
70$1,189,360$0$0$579,679
71$1,202,399$0$0$585,019
72$1,213,358$0$0$589,210
73$1,221,917$0$0$592,080
74$1,227,720$0$0$593,440
75$1,230,371$0$0$593,079
76$1,229,432$0$0$590,763
77$1,224,414$0$0$586,233
78$1,214,776$0$0$579,200
79$1,199,918$0$0$569,344
80$1,179,172$0$0$556,312
81$1,151,802$0$0$539,710
82$1,116,989$0$0$519,105
83$1,073,828$0$0$494,015
84$1,021,317$0$0$463,907
85$958,344$0$0$428,193
86$883,684$0$0$386,220
87$795,977$0$0$337,269
88$693,721$0$0$280,541
89$575,258$0$0$215,156
90$438,750$0$0$140,142
91$282,170$0$0$54,421
92$103,278$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0