Can I retire at age 35 with 458,000?

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 $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%15.4%
1 years$37,821$37,484$37,156$36,835$36,522$35,711
2 years$18,723$18,375$18,037$17,709$17,391$16,579
3 years$12,358$12,008$11,671$11,346$11,034$10,245
4 years$9,176$8,827$8,493$8,174$7,869$7,110
5 years$7,268$6,921$6,591$6,279$5,982$5,255
6 years$5,996$5,651$5,327$5,021$4,733$4,039
7 years$5,087$4,746$4,427$4,128$3,850$3,187
8 years$4,407$4,068$3,754$3,463$3,194$2,564
9 years$3,877$3,542$3,233$2,950$2,689$2,091
10 years$3,454$3,122$2,819$2,543$2,292$1,725
11 years$3,108$2,779$2,482$2,213$1,971$1,435
12 years$2,820$2,495$2,202$1,941$1,708$1,201
13 years$2,576$2,254$1,968$1,714$1,489$1,012
14 years$2,368$2,049$1,768$1,521$1,306$856
15 years$2,187$1,872$1,596$1,357$1,149$726
16 years$2,029$1,718$1,447$1,215$1,016$618
17 years$1,890$1,582$1,317$1,091$901$528
18 years$1,766$1,462$1,202$984$801$452
19 years$1,656$1,355$1,101$889$714$387
20 years$1,557$1,259$1,010$805$638$332
21 years$1,467$1,173$929$731$571$286
22 years$1,385$1,094$856$664$511$246
23 years$1,311$1,024$791$605$459$212
24 years$1,243$959$731$552$413$183
25 years$1,181$900$677$504$371$158
26 years$1,123$846$628$461$335$136
27 years$1,070$796$583$422$302$117
28 years$1,021$750$542$386$272$102
29 years$975$708$505$354$246$88
30 years$932$668$470$325$222$76
31 years$892$632$438$299$201$66
32 years$855$598$409$274$182$57
33 years$820$566$382$252$164$49
34 years$787$537$357$232$149$43
35 years$757$509$333$214$135$37
36 years$727$483$312$197$122$32
37 years$700$459$292$181$111$28
38 years$674$436$273$167$100$24
39 years$649$415$256$154$91$21
40 years$626$394$240$142$83$18
41 years$604$375$225$131$75$16
42 years$583$358$211$121$68$13
43 years$563$341$198$112$62$12
44 years$544$325$186$103$56$10
45 years$526$310$175$95$51$9
46 years$509$295$164$88$46$8
47 years$492$282$154$81$42$7
48 years$477$269$145$75$38$6
49 years$462$257$136$69$35$5
50 years$447$246$128$64$31$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $458,000, adding $2,490 every year, while hoping to spend $22,841 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: 47/28/25 Blend
34$458,000$458,000$458,000$458,000
35$507,284$483,010$475,911$527,396
36$534,725$482,375$467,552$541,144
37$564,199$480,944$458,147$553,613
38$595,889$478,652$447,637$566,693
39$629,997$475,434$435,960$580,454
40$666,744$471,217$423,052$594,973
41$706,373$465,928$408,845$610,334
42$749,150$459,485$393,269$626,636
43$795,368$451,805$376,248$643,985
44$845,350$442,797$357,706$662,502
45$899,448$432,366$337,561$682,322
46$958,052$420,413$315,730$703,595
47$1,021,590$406,829$292,124$726,488
48$1,090,532$391,504$266,650$751,188
49$1,165,395$374,317$239,212$777,903
50$1,246,749$355,142$209,709$806,864
51$1,335,219$333,845$178,036$838,331
52$1,431,494$310,286$144,083$872,588
53$1,536,332$284,316$107,735$909,956
54$1,650,566$255,776$68,872$950,790
55$1,775,114$224,499$27,370$995,482
56$1,910,986$190,310$0$1,044,471
57$2,059,293$153,022$0$1,102,757
58$2,221,260$112,439$0$1,174,449
59$2,398,233$68,352$0$1,252,876
60$2,591,694$20,543$0$1,338,741
61$2,803,277$0$0$1,432,821
62$3,034,780$0$0$1,545,594
63$3,288,181$0$0$1,676,014
64$3,565,660$0$0$1,818,879
65$3,869,618$0$0$1,975,432
66$4,202,698$0$0$2,147,040
67$4,567,810$0$0$2,335,211
68$4,968,163$0$0$2,541,604
69$5,407,285$0$0$2,768,048
70$5,889,068$0$0$3,016,555
71$6,417,796$0$0$3,289,345
72$6,998,187$0$0$3,588,860
73$7,635,439$0$0$3,917,792
74$8,335,280$0$0$4,279,105
75$9,104,017$0$0$4,676,065
76$9,948,599$0$0$5,112,271
77$10,876,681$0$0$5,591,686
78$11,896,698$0$0$6,118,677
79$13,017,940$0$0$6,698,056
80$14,250,643$0$0$7,335,122
81$15,606,086$0$0$8,035,715
82$17,096,694$0$0$8,806,271
83$18,736,155$0$0$9,653,876
84$20,539,552$0$0$10,586,343
85$22,523,504$0$0$11,612,275
86$24,706,320$0$0$12,741,156
87$27,108,174$0$0$13,983,432
88$29,751,293$0$0$15,350,615
89$32,660,171$0$0$16,855,388
90$35,861,793$0$0$18,511,726
91$39,385,894$0$0$20,335,029
92$43,265,239$0$0$22,342,266
93$47,535,929$0$0$24,552,131
94$52,237,746$0$0$26,985,228
95$57,414,522$0$0$29,664,258
96$63,114,557$0$0$32,614,234
97$69,391,075$0$0$35,862,721
98$76,302,720$0$0$39,440,091
99$83,914,117$0$0$43,379,814
100$92,296,475$0$0$47,718,768