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%17.8%
1 years$37,739$37,402$37,075$36,754$36,442$35,289
2 years$18,682$18,335$17,997$17,670$17,353$16,203
3 years$12,331$11,982$11,645$11,322$11,010$9,897
4 years$9,156$8,808$8,475$8,157$7,852$6,786
5 years$7,252$6,906$6,577$6,265$5,969$4,952
6 years$5,983$5,639$5,315$5,010$4,723$3,756
7 years$5,076$4,736$4,417$4,119$3,841$2,925
8 years$4,397$4,059$3,746$3,455$3,187$2,319
9 years$3,869$3,534$3,226$2,943$2,684$1,865
10 years$3,447$3,115$2,813$2,537$2,287$1,515
11 years$3,101$2,773$2,476$2,208$1,967$1,241
12 years$2,814$2,489$2,198$1,937$1,704$1,023
13 years$2,571$2,250$1,963$1,710$1,486$848
14 years$2,363$2,045$1,764$1,518$1,303$705
15 years$2,182$1,868$1,593$1,354$1,147$589
16 years$2,025$1,714$1,444$1,212$1,014$493
17 years$1,886$1,578$1,314$1,089$899$413
18 years$1,762$1,458$1,200$981$799$347
19 years$1,652$1,352$1,098$887$712$292
20 years$1,553$1,256$1,008$803$636$247
21 years$1,464$1,170$927$729$569$208
22 years$1,382$1,092$854$663$510$176
23 years$1,308$1,021$789$604$458$149
24 years$1,241$957$730$551$412$126
25 years$1,178$898$676$503$371$106
26 years$1,121$844$627$460$334$90
27 years$1,068$794$582$421$301$76
28 years$1,019$749$541$386$272$65
29 years$973$706$503$354$245$55
30 years$930$667$469$324$222$46
31 years$890$630$437$298$200$39
32 years$853$597$408$274$181$33
33 years$818$565$381$252$164$28
34 years$786$535$356$232$148$24
35 years$755$508$333$213$134$20
36 years$726$482$311$196$122$17
37 years$698$458$291$181$110$15
38 years$673$435$273$167$100$12
39 years$648$414$256$154$91$11
40 years$625$394$240$142$82$9
41 years$603$375$225$131$75$8
42 years$582$357$211$121$68$6
43 years$562$340$198$112$62$5
44 years$543$324$186$103$56$5
45 years$525$309$174$95$51$4
46 years$508$295$164$88$46$3
47 years$491$281$154$81$42$3
48 years$476$269$145$75$38$2
49 years$461$256$136$69$34$2
50 years$446$245$128$64$31$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $457,000, adding $3,018 every year, while hoping to spend $25,040 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: 36/40/24 Blend
34$457,000$457,000$457,000$457,000
35$506,727$482,506$475,423$521,212
36$531,771$479,506$464,707$529,146
37$558,530$475,521$452,793$535,188
38$587,153$470,474$439,614$541,212
39$617,802$464,287$425,101$547,233
40$650,657$456,876$409,181$553,268
41$685,912$448,151$391,777$559,338
42$723,784$438,019$372,810$565,470
43$764,508$426,380$352,197$571,694
44$808,342$413,128$329,851$578,048
45$855,573$398,150$305,680$584,574
46$906,511$381,330$279,590$591,325
47$961,501$362,541$251,482$598,358
48$1,020,919$341,650$221,252$605,743
49$1,085,181$318,519$188,792$613,557
50$1,154,741$292,998$153,988$621,893
51$1,230,100$264,931$116,722$630,852
52$1,311,810$234,152$76,872$640,555
53$1,400,476$200,487$34,309$651,136
54$1,496,764$163,750$0$662,748
55$1,601,406$123,746$0$678,412
56$1,715,210$80,270$0$705,040
57$1,839,060$33,102$0$734,096
58$1,973,934$0$0$765,870
59$2,120,905$0$0$808,605
60$2,281,154$0$0$871,145
61$2,455,981$0$0$939,437
62$2,646,819$0$0$1,014,047
63$2,855,243$0$0$1,095,599
64$3,082,987$0$0$1,184,780
65$3,331,960$0$0$1,282,346
66$3,604,267$0$0$1,389,131
67$3,902,220$0$0$1,506,051
68$4,228,370$0$0$1,634,117
69$4,585,523$0$0$1,774,441
70$4,976,770$0$0$1,928,247
71$5,405,515$0$0$2,096,886
72$5,875,507$0$0$2,281,842
73$6,390,876$0$0$2,484,753
74$6,956,168$0$0$2,707,421
75$7,576,392$0$0$2,951,831
76$8,257,067$0$0$3,220,171
77$9,004,269$0$0$3,514,850
78$9,824,692$0$0$3,838,523
79$10,725,711$0$0$4,194,112
80$11,715,449$0$0$4,584,840
81$12,802,855$0$0$5,014,254
82$13,997,789$0$0$5,486,264
83$15,311,110$0$0$6,005,177
84$16,754,785$0$0$6,575,736
85$18,341,996$0$0$7,203,171
86$20,087,267$0$0$7,893,241
87$22,006,599$0$0$8,652,291
88$24,117,621$0$0$9,487,313
89$26,439,757$0$0$10,406,011
90$28,994,408$0$0$11,416,873
91$31,805,154$0$0$12,529,250
92$34,897,976$0$0$13,753,447
93$38,301,500$0$0$15,100,817
94$42,047,267$0$0$16,583,872
95$46,170,031$0$0$18,216,396
96$50,708,086$0$0$20,013,577
97$55,703,628$0$0$21,992,153
98$61,203,149$0$0$24,170,566
99$67,257,880$0$0$26,569,136
100$73,924,272$0$0$29,210,254