Can I retire at age 35 with 458,000?

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 $458,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$37,821$37,484$37,156$36,835$36,522$35,858
2 years$18,723$18,375$18,037$17,709$17,391$16,725
3 years$12,358$12,008$11,671$11,346$11,034$10,385
4 years$9,176$8,827$8,493$8,174$7,869$7,244
5 years$7,268$6,921$6,591$6,279$5,982$5,382
6 years$5,996$5,651$5,327$5,021$4,733$4,159
7 years$5,087$4,746$4,427$4,128$3,850$3,301
8 years$4,407$4,068$3,754$3,463$3,194$2,670
9 years$3,877$3,542$3,233$2,950$2,689$2,192
10 years$3,454$3,122$2,819$2,543$2,292$1,819
11 years$3,108$2,779$2,482$2,213$1,971$1,522
12 years$2,820$2,495$2,202$1,941$1,708$1,283
13 years$2,576$2,254$1,968$1,714$1,489$1,087
14 years$2,368$2,049$1,768$1,521$1,306$926
15 years$2,187$1,872$1,596$1,357$1,149$792
16 years$2,029$1,718$1,447$1,215$1,016$679
17 years$1,890$1,582$1,317$1,091$901$584
18 years$1,766$1,462$1,202$984$801$503
19 years$1,656$1,355$1,101$889$714$434
20 years$1,557$1,259$1,010$805$638$376
21 years$1,467$1,173$929$731$571$325
22 years$1,385$1,094$856$664$511$282
23 years$1,311$1,024$791$605$459$245
24 years$1,243$959$731$552$413$213
25 years$1,181$900$677$504$371$185
26 years$1,123$846$628$461$335$161
27 years$1,070$796$583$422$302$140
28 years$1,021$750$542$386$272$122
29 years$975$708$505$354$246$107
30 years$932$668$470$325$222$93
31 years$892$632$438$299$201$81
32 years$855$598$409$274$182$71
33 years$820$566$382$252$164$62
34 years$787$537$357$232$149$54
35 years$757$509$333$214$135$47
36 years$727$483$312$197$122$41
37 years$700$459$292$181$111$36
38 years$674$436$273$167$100$31
39 years$649$415$256$154$91$27
40 years$626$394$240$142$83$24
41 years$604$375$225$131$75$21
42 years$583$358$211$121$68$18
43 years$563$341$198$112$62$16
44 years$544$325$186$103$56$14
45 years$526$310$175$95$51$12
46 years$509$295$164$88$46$11
47 years$492$282$154$81$42$9
48 years$477$269$145$75$38$8
49 years$462$257$136$69$35$7
50 years$447$246$128$64$31$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $458,000, adding $6,351 every year, while hoping to spend $28,483 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: 79/8/13 Blend
34$458,000$458,000$458,000$458,000
35$511,267$486,993$479,894$549,861
36$533,111$480,550$465,665$569,700
37$556,228$472,837$450,004$587,159
38$580,718$463,761$432,834$605,499
39$606,690$453,224$414,074$624,795
40$634,264$441,124$393,637$645,132
41$663,570$427,350$371,434$666,602
42$694,750$411,786$347,373$689,308
43$727,961$394,309$321,357$713,360
44$763,373$374,791$293,282$738,885
45$801,174$353,092$263,044$766,018
46$841,568$329,068$230,530$794,913
47$884,781$302,566$195,626$825,735
48$931,059$273,421$158,210$858,670
49$980,672$241,464$118,155$893,922
50$1,033,917$206,512$75,329$931,716
51$1,091,119$168,374$29,596$972,301
52$1,152,636$126,847$0$1,015,951
53$1,218,859$81,717$0$1,065,636
54$1,290,220$32,759$0$1,123,579
55$1,367,192$0$0$1,186,063
56$1,450,293$0$0$1,255,303
57$1,540,096$0$0$1,333,254
58$1,637,228$0$0$1,417,578
59$1,742,378$0$0$1,508,876
60$1,856,306$0$0$1,607,807
61$1,979,845$0$0$1,715,097
62$2,113,912$0$0$1,831,545
63$2,259,515$0$0$1,958,028
64$2,417,765$0$0$2,095,511
65$2,589,881$0$0$2,245,058
66$2,777,207$0$0$2,407,836
67$2,981,219$0$0$2,585,131
68$3,203,544$0$0$2,778,360
69$3,445,970$0$0$2,989,078
70$3,710,467$0$0$3,219,000
71$3,999,203$0$0$3,470,013
72$4,314,563$0$0$3,744,193
73$4,659,174$0$0$4,043,827
74$5,035,928$0$0$4,371,433
75$5,448,009$0$0$4,729,781
76$5,898,922$0$0$5,121,923
77$6,392,528$0$0$5,551,219
78$6,933,077$0$0$6,021,369
79$7,525,250$0$0$6,536,449
80$8,174,202$0$0$7,100,944
81$8,885,610$0$0$7,719,799
82$9,665,728$0$0$8,398,455
83$10,521,442$0$0$9,142,908
84$11,460,338$0$0$9,959,761
85$12,490,772$0$0$10,856,289
86$13,621,946$0$0$11,840,501
87$14,863,998$0$0$12,921,225
88$16,228,098$0$0$14,108,182
89$17,726,547$0$0$15,412,082
90$19,372,898$0$0$16,844,723
91$21,182,081$0$0$18,419,102
92$23,170,545$0$0$20,149,539
93$25,356,412$0$0$22,051,809
94$27,759,644$0$0$24,143,291
95$30,402,238$0$0$26,443,134
96$33,308,426$0$0$28,972,433
97$36,504,908$0$0$31,754,432
98$40,021,100$0$0$34,814,740
99$43,889,414$0$0$38,181,571
100$48,145,560$0$0$41,886,015