Can I retire at age 35 with 459,000?

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 $459,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$37,904$37,566$37,237$36,915$36,601$35,877
2 years$18,764$18,415$18,076$17,748$17,429$16,703
3 years$12,385$12,034$11,696$11,371$11,058$10,351
4 years$9,196$8,846$8,512$8,192$7,887$7,206
5 years$7,284$6,936$6,606$6,292$5,995$5,342
6 years$6,009$5,664$5,338$5,032$4,744$4,119
7 years$5,099$4,756$4,436$4,137$3,858$3,262
8 years$4,416$4,077$3,762$3,471$3,201$2,633
9 years$3,886$3,550$3,240$2,956$2,695$2,156
10 years$3,462$3,129$2,825$2,548$2,297$1,784
11 years$3,115$2,785$2,487$2,218$1,975$1,490
12 years$2,826$2,500$2,207$1,945$1,712$1,252
13 years$2,582$2,259$1,972$1,717$1,493$1,059
14 years$2,373$2,054$1,772$1,524$1,308$899
15 years$2,192$1,876$1,600$1,360$1,152$766
16 years$2,034$1,721$1,450$1,217$1,018$655
17 years$1,894$1,585$1,320$1,094$903$562
18 years$1,770$1,465$1,205$986$803$483
19 years$1,659$1,358$1,103$891$715$416
20 years$1,560$1,262$1,012$807$639$359
21 years$1,470$1,175$931$732$572$310
22 years$1,388$1,097$858$666$513$268
23 years$1,314$1,026$792$606$460$232
24 years$1,246$961$733$553$414$201
25 years$1,183$902$679$505$372$174
26 years$1,126$848$629$462$335$151
27 years$1,072$798$585$423$302$131
28 years$1,023$752$543$387$273$114
29 years$977$709$506$355$246$99
30 years$934$670$471$326$223$86
31 years$894$633$439$299$201$75
32 years$857$599$410$275$182$65
33 years$822$567$383$253$165$56
34 years$789$538$357$233$149$49
35 years$758$510$334$214$135$43
36 years$729$484$313$197$122$37
37 years$701$460$293$182$111$32
38 years$675$437$274$168$101$28
39 years$651$416$257$154$91$25
40 years$628$395$241$142$83$21
41 years$605$376$226$131$75$19
42 years$584$358$212$121$68$16
43 years$564$341$199$112$62$14
44 years$545$325$186$103$56$12
45 years$527$310$175$96$51$11
46 years$510$296$164$88$46$9
47 years$493$283$154$82$42$8
48 years$478$270$145$75$38$7
49 years$463$258$136$70$35$6
50 years$448$246$128$64$31$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $459,000, adding $2,865 every year, while hoping to spend $22,977 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: 66/13/21 Blend
34$459,000$459,000$459,000$459,000
35$508,773$484,446$477,332$539,464
36$536,221$483,737$468,875$559,707
37$565,698$482,222$459,365$578,938
38$597,387$479,840$448,742$599,420
39$631,490$476,521$436,944$621,276
40$668,225$472,194$423,905$644,643
41$707,836$466,783$409,557$669,671
42$750,588$460,208$393,830$696,528
43$796,773$452,383$376,648$725,398
44$846,712$443,218$357,934$756,486
45$900,758$432,617$337,606$790,016
46$959,298$420,478$315,579$826,240
47$1,022,760$406,695$291,764$865,433
48$1,091,611$391,153$266,068$907,901
49$1,166,368$373,732$238,394$953,982
50$1,247,597$354,305$208,641$1,004,048
51$1,335,924$332,737$176,701$1,058,512
52$1,432,033$308,886$142,466$1,117,830
53$1,536,680$282,602$105,819$1,182,507
54$1,650,697$253,725$66,639$1,253,097
55$1,774,998$222,087$24,801$1,330,218
56$1,910,589$187,510$0$1,414,547
57$2,058,578$149,808$0$1,511,283
58$2,220,186$108,781$0$1,623,027
59$2,396,753$64,220$0$1,745,164
60$2,589,760$15,904$0$1,878,738
61$2,800,831$0$0$2,024,901
62$3,031,760$0$0$2,190,129
63$3,284,519$0$0$2,373,495
64$3,561,279$0$0$2,574,303
65$3,864,435$0$0$2,794,294
66$4,196,619$0$0$3,035,382
67$4,560,733$0$0$3,299,677
68$4,959,973$0$0$3,589,503
69$5,397,858$0$0$3,907,419
70$5,878,264$0$0$4,256,244
71$6,405,461$0$0$4,639,082
72$6,984,152$0$0$5,059,353
73$7,619,517$0$0$5,520,826
74$8,317,263$0$0$6,027,649
75$9,083,677$0$0$6,584,395
76$9,925,685$0$0$7,196,100
77$10,850,914$0$0$7,868,311
78$11,867,770$0$0$8,607,142
79$12,985,512$0$0$9,419,326
80$14,214,341$0$0$10,312,281
81$15,565,497$0$0$11,294,182
82$17,051,362$0$0$12,374,033
83$18,685,578$0$0$13,561,757
84$20,483,175$0$0$14,868,283
85$22,460,715$0$0$16,305,657
86$24,636,444$0$0$17,887,148
87$27,030,467$0$0$19,627,379
88$29,664,934$0$0$21,542,458
89$32,564,254$0$0$23,650,139
90$35,755,320$0$0$25,969,978
91$39,267,765$0$0$28,523,528
92$43,134,239$0$0$31,334,536
93$47,390,719$0$0$34,429,167
94$52,076,850$0$0$37,836,254
95$57,236,313$0$0$41,587,565
96$62,917,241$0$0$45,718,109
97$69,172,673$0$0$50,266,460
98$76,061,051$0$0$55,275,123
99$83,646,777$0$0$60,790,936
100$92,000,813$0$0$66,865,512