Can I retire at age 35 with 460,000?

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 $460,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$37,986$37,648$37,318$36,996$36,681$35,970
2 years$18,805$18,455$18,115$17,786$17,467$16,754
3 years$12,412$12,060$11,722$11,396$11,082$10,388
4 years$9,216$8,866$8,531$8,210$7,904$7,235
5 years$7,299$6,951$6,620$6,306$6,008$5,367
6 years$6,022$5,676$5,350$5,043$4,754$4,140
7 years$5,110$4,767$4,446$4,146$3,866$3,280
8 years$4,426$4,086$3,770$3,478$3,208$2,649
9 years$3,894$3,557$3,247$2,963$2,701$2,170
10 years$3,469$3,136$2,831$2,554$2,302$1,798
11 years$3,122$2,792$2,493$2,223$1,979$1,502
12 years$2,832$2,506$2,212$1,949$1,715$1,263
13 years$2,588$2,264$1,976$1,721$1,496$1,069
14 years$2,378$2,058$1,776$1,528$1,311$908
15 years$2,197$1,880$1,603$1,363$1,154$775
16 years$2,038$1,725$1,454$1,220$1,020$663
17 years$1,898$1,589$1,323$1,096$905$569
18 years$1,774$1,468$1,207$988$804$489
19 years$1,663$1,361$1,105$893$717$422
20 years$1,563$1,264$1,014$808$640$364
21 years$1,473$1,178$933$734$573$314
22 years$1,391$1,099$860$667$514$272
23 years$1,317$1,028$794$608$461$236
24 years$1,249$963$734$554$414$204
25 years$1,186$904$680$506$373$177
26 years$1,128$850$631$463$336$154
27 years$1,075$800$586$424$303$134
28 years$1,025$753$545$388$273$116
29 years$979$711$507$356$247$101
30 years$936$671$472$327$223$88
31 years$896$635$440$300$202$76
32 years$859$600$411$276$182$66
33 years$824$569$383$253$165$58
34 years$791$539$358$233$149$50
35 years$760$511$335$215$135$44
36 years$731$485$313$198$123$38
37 years$703$461$293$182$111$33
38 years$677$438$275$168$101$29
39 years$652$416$257$155$91$25
40 years$629$396$241$143$83$22
41 years$607$377$226$132$75$19
42 years$586$359$212$122$68$17
43 years$566$342$199$112$62$15
44 years$547$326$187$104$56$13
45 years$528$311$175$96$51$11
46 years$511$297$165$88$46$10
47 years$495$283$155$82$42$8
48 years$479$270$145$75$38$7
49 years$464$258$137$70$35$6
50 years$449$247$129$64$32$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $460,000, adding $5,313 every year, while hoping to spend $35,935 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: 76/6/18 Blend
34$460,000$460,000$460,000$460,000
35$512,400$488,020$480,890$548,848
36$526,431$473,699$458,766$559,362
37$540,688$457,471$434,695$565,907
38$555,156$439,206$408,576$572,124
39$569,820$418,764$380,301$577,969
40$584,657$395,999$349,756$583,395
41$599,644$370,755$316,825$588,350
42$614,753$342,868$281,384$592,777
43$629,953$312,163$243,306$596,616
44$645,206$278,457$202,455$599,800
45$660,472$241,557$158,692$602,255
46$675,703$201,256$111,871$603,902
47$690,845$157,338$61,839$604,655
48$705,838$109,573$8,437$604,417
49$720,612$57,721$0$603,086
50$735,091$1,526$0$609,874
51$749,187$0$0$617,668
52$762,804$0$0$628,659
53$775,831$0$0$639,249
54$788,146$0$0$649,231
55$799,613$0$0$658,493
56$810,078$0$0$666,905
57$819,371$0$0$674,324
58$827,302$0$0$680,592
59$833,660$0$0$685,529
60$838,207$0$0$688,938
61$840,684$0$0$690,600
62$840,798$0$0$690,271
63$838,225$0$0$687,678
64$832,608$0$0$682,522
65$823,548$0$0$674,467
66$810,604$0$0$663,145
67$793,285$0$0$648,144
68$771,049$0$0$629,009
69$743,296$0$0$605,238
70$709,361$0$0$576,272
71$668,507$0$0$541,494
72$619,920$0$0$500,222
73$562,699$0$0$451,701
74$495,847$0$0$395,094
75$418,263$0$0$329,480
76$328,727$0$0$253,836
77$225,895$0$0$167,036
78$108,279$0$0$67,831
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0