Can I retire at age 35 with 457,000?

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 $457,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$37,739$37,402$37,075$36,754$36,442$36,212
2 years$18,682$18,335$17,997$17,670$17,353$17,122
3 years$12,331$11,982$11,645$11,322$11,010$10,783
4 years$9,156$8,808$8,475$8,157$7,852$7,633
5 years$7,252$6,906$6,577$6,265$5,969$5,757
6 years$5,983$5,639$5,315$5,010$4,723$4,519
7 years$5,076$4,736$4,417$4,119$3,841$3,645
8 years$4,397$4,059$3,746$3,455$3,187$2,998
9 years$3,869$3,534$3,226$2,943$2,684$2,503
10 years$3,447$3,115$2,813$2,537$2,287$2,114
11 years$3,101$2,773$2,476$2,208$1,967$1,802
12 years$2,814$2,489$2,198$1,937$1,704$1,547
13 years$2,571$2,250$1,963$1,710$1,486$1,336
14 years$2,363$2,045$1,764$1,518$1,303$1,160
15 years$2,182$1,868$1,593$1,354$1,147$1,011
16 years$2,025$1,714$1,444$1,212$1,014$885
17 years$1,886$1,578$1,314$1,089$899$776
18 years$1,762$1,458$1,200$981$799$683
19 years$1,652$1,352$1,098$887$712$603
20 years$1,553$1,256$1,008$803$636$532
21 years$1,464$1,170$927$729$569$471
22 years$1,382$1,092$854$663$510$418
23 years$1,308$1,021$789$604$458$371
24 years$1,241$957$730$551$412$330
25 years$1,178$898$676$503$371$293
26 years$1,121$844$627$460$334$261
27 years$1,068$794$582$421$301$233
28 years$1,019$749$541$386$272$207
29 years$973$706$503$354$245$185
30 years$930$667$469$324$222$165
31 years$890$630$437$298$200$148
32 years$853$597$408$274$181$132
33 years$818$565$381$252$164$118
34 years$786$535$356$232$148$105
35 years$755$508$333$213$134$94
36 years$726$482$311$196$122$84
37 years$698$458$291$181$110$76
38 years$673$435$273$167$100$68
39 years$648$414$256$154$91$61
40 years$625$394$240$142$82$54
41 years$603$375$225$131$75$49
42 years$582$357$211$121$68$44
43 years$562$340$198$112$62$39
44 years$543$324$186$103$56$35
45 years$525$309$174$95$51$31
46 years$508$295$164$88$46$28
47 years$491$281$154$81$42$25
48 years$476$269$145$75$38$23
49 years$461$256$136$69$34$20
50 years$446$245$128$64$31$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $457,000, adding $4,833 every year, while hoping to spend $26,424 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: 32/48/20 Blend
34$457,000$457,000$457,000$457,000
35$508,599$484,378$477,295$521,590
36$532,361$479,998$465,169$527,338
37$557,662$474,517$451,752$530,783
38$584,629$467,854$436,971$533,940
39$613,405$459,923$420,754$536,801
40$644,144$450,631$403,021$539,358
41$677,016$439,881$383,691$541,604
42$712,206$427,570$362,679$543,537
43$749,919$413,589$339,897$545,154
44$790,379$397,823$315,252$546,458
45$833,830$380,149$288,645$547,454
46$880,543$360,438$259,977$548,150
47$930,813$338,554$229,140$548,560
48$984,964$314,352$196,025$548,703
49$1,043,355$287,679$160,516$548,604
50$1,106,375$258,373$122,492$548,295
51$1,174,457$226,265$81,826$547,817
52$1,248,072$191,173$38,388$547,217
53$1,327,742$152,906$0$546,555
54$1,414,037$111,265$0$547,603
55$1,507,587$66,035$0$557,595
56$1,609,083$16,992$0$568,463
57$1,719,284$0$0$580,355
58$1,839,027$0$0$612,506
59$1,969,232$0$0$657,287
60$2,110,911$0$0$706,079
61$2,265,176$0$0$759,272
62$2,433,254$0$0$817,298
63$2,616,492$0$0$880,631
64$2,816,374$0$0$949,793
65$3,034,533$0$0$1,025,358
66$3,272,768$0$0$1,107,960
67$3,533,057$0$0$1,198,295
68$3,817,579$0$0$1,297,129
69$4,128,734$0$0$1,405,308
70$4,469,161$0$0$1,523,761
71$4,841,770$0$0$1,653,512
72$5,249,763$0$0$1,795,689
73$5,696,667$0$0$1,951,534
74$6,186,364$0$0$2,122,415
75$6,723,133$0$0$2,309,838
76$7,311,684$0$0$2,515,463
77$7,957,204$0$0$2,741,117
78$8,665,410$0$0$2,988,814
79$9,442,594$0$0$3,260,771
80$10,295,690$0$0$3,559,431
81$11,232,336$0$0$3,887,486
82$12,260,944$0$0$4,247,899
83$13,390,781$0$0$4,643,938
84$14,632,057$0$0$5,079,198
85$15,996,019$0$0$5,557,645
86$17,495,057$0$0$6,083,646
87$19,142,822$0$0$6,662,010
88$20,954,351$0$0$7,298,040
89$22,946,214$0$0$7,997,574
90$25,136,665$0$0$8,767,048
91$27,545,814$0$0$9,613,550
92$30,195,820$0$0$10,544,892
93$33,111,098$0$0$11,569,680
94$36,318,546$0$0$12,697,396
95$39,847,802$0$0$13,938,488
96$43,731,522$0$0$15,304,470
97$48,005,689$0$0$16,808,026
98$52,709,947$0$0$18,463,134
99$57,887,981$0$0$20,285,194
100$63,587,925$0$0$22,291,177