Can I retire at age 35 with 463,000?

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 $463,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$38,234$37,894$37,561$37,237$36,920$35,526
2 years$18,928$18,575$18,234$17,902$17,581$16,192
3 years$12,493$12,139$11,798$11,470$11,154$9,815
4 years$9,277$8,924$8,586$8,264$7,955$6,675
5 years$7,347$6,996$6,663$6,347$6,047$4,831
6 years$6,061$5,713$5,385$5,076$4,785$3,632
7 years$5,143$4,798$4,475$4,173$3,892$2,802
8 years$4,455$4,113$3,795$3,501$3,228$2,201
9 years$3,920$3,581$3,269$2,982$2,719$1,753
10 years$3,492$3,156$2,850$2,570$2,317$1,410
11 years$3,142$2,810$2,509$2,237$1,992$1,143
12 years$2,851$2,522$2,227$1,962$1,727$932
13 years$2,604$2,279$1,989$1,732$1,506$764
14 years$2,394$2,072$1,787$1,538$1,320$628
15 years$2,211$1,892$1,614$1,371$1,162$519
16 years$2,051$1,736$1,463$1,228$1,027$429
17 years$1,911$1,599$1,331$1,103$911$356
18 years$1,786$1,478$1,215$994$810$295
19 years$1,674$1,369$1,113$898$722$246
20 years$1,574$1,273$1,021$814$645$205
21 years$1,483$1,185$939$738$577$171
22 years$1,401$1,106$866$671$517$142
23 years$1,326$1,035$799$612$464$119
24 years$1,257$970$739$558$417$99
25 years$1,194$910$685$509$375$83
26 years$1,136$855$635$466$338$69
27 years$1,082$805$590$426$305$58
28 years$1,032$758$548$391$275$48
29 years$986$715$510$358$248$41
30 years$942$676$475$329$224$34
31 years$902$639$443$302$203$28
32 years$864$604$413$277$184$24
33 years$829$572$386$255$166$20
34 years$796$542$361$235$150$17
35 years$765$514$337$216$136$14
36 years$735$488$315$199$123$12
37 years$708$464$295$183$112$10
38 years$681$441$276$169$101$8
39 years$657$419$259$156$92$7
40 years$633$399$243$144$83$6
41 years$611$380$228$133$76$5
42 years$589$362$213$122$69$4
43 years$569$344$200$113$62$3
44 years$550$328$188$104$57$3
45 years$532$313$177$96$51$2
46 years$514$299$166$89$47$2
47 years$498$285$156$82$42$2
48 years$482$272$146$76$38$1
49 years$467$260$138$70$35$1
50 years$452$248$129$65$32$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $463,000, adding $2,230 every year, while hoping to spend $22,375 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: 30/44/26 Blend
34$463,000$463,000$463,000$463,000
35$512,526$487,987$480,811$523,735
36$540,997$488,092$473,111$532,716
37$571,622$487,452$464,404$540,251
38$604,597$486,006$454,631$547,907
39$640,138$483,693$443,733$555,709
40$678,481$480,442$431,647$563,687
41$719,886$476,184$418,307$571,877
42$764,638$470,841$403,644$580,319
43$813,052$464,333$387,587$589,061
44$865,472$456,574$370,060$598,158
45$922,279$447,474$350,985$607,670
46$983,888$436,937$330,280$617,671
47$1,050,758$424,861$307,858$628,242
48$1,123,395$411,139$283,630$639,476
49$1,202,352$395,656$257,503$651,479
50$1,288,241$378,292$229,379$664,370
51$1,381,733$358,919$199,154$678,286
52$1,483,567$337,403$166,723$693,379
53$1,594,556$313,601$131,973$709,824
54$1,715,595$287,362$94,789$727,814
55$1,847,670$258,527$55,049$747,570
56$1,991,865$226,928$12,625$769,338
57$2,149,373$192,385$0$793,396
58$2,321,509$154,712$0$829,110
59$2,509,718$113,708$0$872,098
60$2,715,595$69,166$0$919,284
61$2,940,893$20,862$0$971,144
62$3,187,542$0$0$1,028,209
63$3,457,671$0$0$1,106,288
64$3,753,620$0$0$1,202,969
65$4,077,968$0$0$1,309,003
66$4,433,557$0$0$1,425,326
67$4,823,514$0$0$1,552,973
68$5,251,286$0$0$1,693,082
69$5,720,667$0$0$1,846,905
70$6,235,838$0$0$2,015,823
71$6,801,404$0$0$2,201,358
72$7,422,437$0$0$2,405,186
73$8,104,525$0$0$2,629,151
74$8,853,824$0$0$2,875,288
75$9,677,114$0$0$3,145,836
76$10,581,866$0$0$3,443,264
77$11,576,310$0$0$3,770,292
78$12,669,513$0$0$4,129,914
79$13,871,464$0$0$4,525,433
80$15,193,168$0$0$4,960,483
81$16,646,750$0$0$5,439,072
82$18,245,570$0$0$5,965,616
83$20,004,347$0$0$6,544,976
84$21,939,297$0$0$7,182,514
85$24,068,289$0$0$7,884,135
86$26,411,010$0$0$8,656,344
87$28,989,154$0$0$9,506,311
88$31,826,621$0$0$10,441,937
89$34,949,747$0$0$11,471,924
90$38,387,552$0$0$12,605,865
91$42,172,011$0$0$13,854,327
92$46,338,356$0$0$15,228,957
93$50,925,408$0$0$16,742,586
94$55,975,948$0$0$18,409,354
95$61,537,111$0$0$20,244,841
96$67,660,838$0$0$22,266,216
97$74,404,365$0$0$24,492,399
98$81,830,758$0$0$26,944,235
99$90,009,513$0$0$29,644,698
100$99,017,209$0$0$32,619,100