Can I retire at age 35 with 461,000?

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 $461,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$38,069$37,730$37,399$37,076$36,761$36,063
2 years$18,846$18,495$18,155$17,825$17,505$16,805
3 years$12,439$12,087$11,747$11,421$11,106$10,425
4 years$9,236$8,885$8,549$8,228$7,921$7,264
5 years$7,315$6,966$6,634$6,320$6,021$5,391
6 years$6,035$5,688$5,362$5,054$4,764$4,162
7 years$5,121$4,777$4,456$4,155$3,875$3,299
8 years$4,435$4,095$3,779$3,486$3,215$2,666
9 years$3,903$3,565$3,255$2,969$2,707$2,185
10 years$3,477$3,143$2,837$2,559$2,307$1,811
11 years$3,128$2,798$2,498$2,227$1,984$1,514
12 years$2,838$2,511$2,217$1,954$1,719$1,275
13 years$2,593$2,269$1,981$1,725$1,499$1,079
14 years$2,383$2,063$1,780$1,531$1,314$917
15 years$2,201$1,884$1,607$1,365$1,157$783
16 years$2,042$1,729$1,457$1,223$1,023$671
17 years$1,902$1,592$1,326$1,099$907$576
18 years$1,778$1,471$1,210$990$806$496
19 years$1,667$1,364$1,108$895$719$427
20 years$1,567$1,267$1,017$810$642$369
21 years$1,476$1,180$935$735$574$319
22 years$1,395$1,102$862$669$515$276
23 years$1,320$1,030$796$609$462$240
24 years$1,251$965$736$555$415$208
25 years$1,189$906$682$507$374$180
26 years$1,131$851$632$464$337$157
27 years$1,077$801$587$424$304$136
28 years$1,027$755$546$389$274$119
29 years$981$712$508$357$247$103
30 years$938$673$473$327$223$90
31 years$898$636$441$301$202$78
32 years$861$602$411$276$183$68
33 years$826$570$384$254$165$59
34 years$793$540$359$234$150$52
35 years$761$512$336$215$136$45
36 years$732$486$314$198$123$39
37 years$705$462$294$183$111$34
38 years$678$439$275$168$101$30
39 years$654$417$258$155$92$26
40 years$630$397$242$143$83$23
41 years$608$378$227$132$75$20
42 years$587$360$213$122$68$17
43 years$567$343$199$112$62$15
44 years$548$327$187$104$56$13
45 years$530$312$176$96$51$11
46 years$512$297$165$89$46$10
47 years$496$284$155$82$42$9
48 years$480$271$146$76$38$8
49 years$465$259$137$70$35$7
50 years$450$247$129$65$32$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $461,000, adding $5,431 every year, while hoping to spend $45,569 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: 52/23/25 Blend
34$461,000$461,000$461,000$461,000
35$513,624$489,191$482,046$536,496
36$517,529$464,676$449,709$528,395
37$520,304$437,433$414,762$514,494
38$521,788$407,280$377,069$498,444
39$521,797$374,024$336,488$480,059
40$520,132$337,462$292,871$459,136
41$516,567$297,380$246,064$435,454
42$510,855$253,550$195,906$408,777
43$502,722$205,733$142,228$378,843
44$491,861$153,675$84,854$345,374
45$477,934$97,109$23,601$308,062
46$460,569$35,752$0$266,575
47$439,349$0$0$231,695
48$413,817$0$0$207,099
49$383,464$0$0$188,759
50$347,730$0$0$167,306
51$305,993$0$0$142,383
52$257,567$0$0$113,595
53$201,693$0$0$80,505
54$137,533$0$0$42,634
55$64,159$0$0$0
56$0$0$0$0
57$0$0$0$0
58$0$0$0$0
59$0$0$0$0
60$0$0$0$0
61$0$0$0$0
62$0$0$0$0
63$0$0$0$0
64$0$0$0$0
65$0$0$0$0
66$0$0$0$0
67$0$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
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