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%18.6%
1 years$37,821$37,484$37,156$36,835$36,522$35,254
2 years$18,723$18,375$18,037$17,709$17,391$16,127
3 years$12,358$12,008$11,671$11,346$11,034$9,813
4 years$9,176$8,827$8,493$8,174$7,869$6,701
5 years$7,268$6,921$6,591$6,279$5,982$4,870
6 years$5,996$5,651$5,327$5,021$4,733$3,678
7 years$5,087$4,746$4,427$4,128$3,850$2,850
8 years$4,407$4,068$3,754$3,463$3,194$2,250
9 years$3,877$3,542$3,233$2,950$2,689$1,800
10 years$3,454$3,122$2,819$2,543$2,292$1,455
11 years$3,108$2,779$2,482$2,213$1,971$1,186
12 years$2,820$2,495$2,202$1,941$1,708$972
13 years$2,576$2,254$1,968$1,714$1,489$801
14 years$2,368$2,049$1,768$1,521$1,306$663
15 years$2,187$1,872$1,596$1,357$1,149$550
16 years$2,029$1,718$1,447$1,215$1,016$458
17 years$1,890$1,582$1,317$1,091$901$382
18 years$1,766$1,462$1,202$984$801$319
19 years$1,656$1,355$1,101$889$714$267
20 years$1,557$1,259$1,010$805$638$224
21 years$1,467$1,173$929$731$571$188
22 years$1,385$1,094$856$664$511$157
23 years$1,311$1,024$791$605$459$132
24 years$1,243$959$731$552$413$111
25 years$1,181$900$677$504$371$93
26 years$1,123$846$628$461$335$79
27 years$1,070$796$583$422$302$66
28 years$1,021$750$542$386$272$56
29 years$975$708$505$354$246$47
30 years$932$668$470$325$222$40
31 years$892$632$438$299$201$33
32 years$855$598$409$274$182$28
33 years$820$566$382$252$164$24
34 years$787$537$357$232$149$20
35 years$757$509$333$214$135$17
36 years$727$483$312$197$122$14
37 years$700$459$292$181$111$12
38 years$674$436$273$167$100$10
39 years$649$415$256$154$91$8
40 years$626$394$240$142$83$7
41 years$604$375$225$131$75$6
42 years$583$358$211$121$68$5
43 years$563$341$198$112$62$4
44 years$544$325$186$103$56$4
45 years$526$310$175$95$51$3
46 years$509$295$164$88$46$3
47 years$492$282$154$81$42$2
48 years$477$269$145$75$38$2
49 years$462$257$136$69$35$2
50 years$447$246$128$64$31$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $458,000, adding $3,101 every year, while hoping to spend $32,864 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: 49/41/10 Blend
34$458,000$458,000$458,000$458,000
35$507,915$483,641$476,542$531,289
36$524,755$472,372$457,539$536,374
37$542,211$459,450$436,798$538,179
38$560,312$444,758$414,226$539,385
39$579,088$428,175$389,726$539,945
40$598,569$409,570$363,196$539,810
41$618,791$388,806$334,531$538,928
42$639,789$365,739$303,619$537,245
43$661,602$340,215$270,345$534,705
44$684,271$312,072$234,588$531,247
45$707,841$281,138$196,221$526,808
46$732,360$247,232$155,112$521,323
47$757,877$210,162$111,125$514,723
48$784,447$169,727$64,115$506,935
49$812,130$125,713$13,932$497,884
50$840,988$77,894$0$487,490
51$871,089$26,031$0$479,899
52$902,506$0$0$472,659
53$935,319$0$0$477,801
54$969,612$0$0$495,460
55$1,005,479$0$0$513,942
56$1,043,018$0$0$533,299
57$1,082,338$0$0$553,589
58$1,123,557$0$0$574,874
59$1,166,800$0$0$597,222
60$1,212,206$0$0$620,706
61$1,259,926$0$0$645,407
62$1,310,120$0$0$671,411
63$1,362,968$0$0$698,813
64$1,418,662$0$0$727,716
65$1,477,411$0$0$758,232
66$1,539,445$0$0$790,484
67$1,605,014$0$0$824,605
68$1,674,391$0$0$860,741
69$1,747,871$0$0$899,053
70$1,825,782$0$0$939,713
71$1,908,478$0$0$982,913
72$1,996,348$0$0$1,028,860
73$2,089,816$0$0$1,077,784
74$2,189,349$0$0$1,129,933
75$2,295,454$0$0$1,185,581
76$2,408,689$0$0$1,245,027
77$2,529,667$0$0$1,308,601
78$2,659,056$0$0$1,376,661
79$2,797,590$0$0$1,449,603
80$2,946,075$0$0$1,527,859
81$3,105,395$0$0$1,611,905
82$3,276,517$0$0$1,702,262
83$3,460,507$0$0$1,799,503
84$3,658,532$0$0$1,904,256
85$3,871,875$0$0$2,017,211
86$4,101,944$0$0$2,139,128
87$4,350,288$0$0$2,270,840
88$4,618,605$0$0$2,413,261
89$4,908,765$0$0$2,567,400
90$5,222,823$0$0$2,734,363
91$5,563,035$0$0$2,915,366
92$5,931,884$0$0$3,111,748
93$6,332,101$0$0$3,324,979
94$6,766,687$0$0$3,556,679
95$7,238,946$0$0$3,808,628
96$7,752,510$0$0$4,082,784
97$8,311,376$0$0$4,381,303
98$8,919,942$0$0$4,706,556
99$9,583,047$0$0$5,061,153
100$10,306,016$0$0$5,447,967