Can I retire at age 35 with 465,000?

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 $465,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$38,399$38,057$37,724$37,398$37,080$36,586
2 years$19,010$18,656$18,312$17,980$17,657$17,160
3 years$12,547$12,192$11,849$11,520$11,202$10,718
4 years$9,317$8,962$8,623$8,299$7,990$7,522
5 years$7,379$7,026$6,692$6,375$6,074$5,623
6 years$6,087$5,738$5,408$5,098$4,806$4,374
7 years$5,165$4,818$4,494$4,191$3,908$3,495
8 years$4,474$4,130$3,811$3,516$3,242$2,847
9 years$3,937$3,596$3,283$2,995$2,731$2,353
10 years$3,507$3,170$2,862$2,582$2,327$1,967
11 years$3,156$2,822$2,520$2,247$2,001$1,659
12 years$2,863$2,533$2,236$1,971$1,734$1,409
13 years$2,616$2,289$1,998$1,740$1,512$1,204
14 years$2,404$2,081$1,795$1,544$1,325$1,033
15 years$2,220$1,901$1,621$1,377$1,167$891
16 years$2,060$1,744$1,469$1,233$1,031$770
17 years$1,919$1,606$1,337$1,108$915$668
18 years$1,793$1,484$1,221$999$813$581
19 years$1,681$1,375$1,117$902$725$506
20 years$1,580$1,278$1,025$817$647$442
21 years$1,489$1,190$943$742$579$386
22 years$1,407$1,111$869$674$519$338
23 years$1,331$1,039$803$614$466$296
24 years$1,262$974$742$560$419$260
25 years$1,199$914$688$512$377$228
26 years$1,140$859$638$468$340$200
27 years$1,086$808$592$428$306$176
28 years$1,036$762$550$392$276$155
29 years$990$719$512$360$249$136
30 years$947$679$477$330$225$120
31 years$906$641$445$303$204$106
32 years$868$607$415$279$184$93
33 years$833$575$388$256$167$82
34 years$799$545$362$236$151$72
35 years$768$517$339$217$137$64
36 years$739$490$317$200$124$56
37 years$711$466$296$184$112$50
38 years$684$443$278$170$102$44
39 years$659$421$260$157$92$39
40 years$636$400$244$144$84$34
41 years$613$381$229$133$76$30
42 years$592$363$214$123$69$27
43 years$572$346$201$113$63$23
44 years$552$330$189$105$57$21
45 years$534$314$177$97$52$18
46 years$517$300$167$89$47$16
47 years$500$286$156$83$43$14
48 years$484$273$147$76$39$13
49 years$469$261$138$71$35$11
50 years$454$249$130$65$32$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $465,000, adding $5,745 every year, while hoping to spend $24,331 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: 34/45/21 Blend
34$465,000$465,000$465,000$465,000
35$518,356$493,711$486,503$532,484
36$545,340$492,015$476,913$541,741
37$574,262$489,420$466,186$549,077
38$605,292$485,857$454,259$556,486
39$638,619$481,252$441,064$563,991
40$674,451$475,526$426,533$571,617
41$713,014$468,596$410,591$579,393
42$754,559$460,375$393,163$587,357
43$799,359$450,768$374,169$595,548
44$847,716$439,677$353,526$604,015
45$899,960$426,998$331,146$612,814
46$956,454$412,620$306,938$622,009
47$1,017,599$396,425$280,807$631,673
48$1,083,834$378,290$252,654$641,892
49$1,155,641$358,082$222,374$652,762
50$1,233,553$335,665$189,860$664,393
51$1,318,153$310,889$154,997$676,909
52$1,410,083$283,602$117,668$690,454
53$1,510,051$253,637$77,750$705,187
54$1,618,834$220,823$35,112$721,290
55$1,737,287$184,976$0$738,968
56$1,866,353$145,903$0$760,781
57$2,007,067$103,398$0$793,207
58$2,160,570$57,247$0$828,696
59$2,328,117$7,221$0$867,610
60$2,511,090$0$0$910,354
61$2,711,009$0$0$980,610
62$2,929,549$0$0$1,061,386
63$3,168,554$0$0$1,149,794
64$3,430,054$0$0$1,246,594
65$3,716,282$0$0$1,352,624
66$4,029,702$0$0$1,468,802
67$4,373,023$0$0$1,596,145
68$4,749,230$0$0$1,735,768
69$5,161,610$0$0$1,888,903
70$5,613,783$0$0$2,056,904
71$6,109,737$0$0$2,241,265
72$6,653,865$0$0$2,443,628
73$7,251,002$0$0$2,665,806
74$7,906,478$0$0$2,909,794
75$8,626,163$0$0$3,177,788
76$9,416,523$0$0$3,472,211
77$10,284,679$0$0$3,795,729
78$11,238,480$0$0$4,151,280
79$12,286,567$0$0$4,542,101
80$13,438,466$0$0$4,971,760
81$14,704,666$0$0$5,444,184
82$16,096,726$0$0$5,963,702
83$17,627,380$0$0$6,535,083
84$19,310,657$0$0$7,163,583
85$21,162,015$0$0$7,854,990
86$23,198,484$0$0$8,615,684
87$25,438,829$0$0$9,452,692
88$27,903,722$0$0$10,373,758
89$30,615,944$0$0$11,387,416
90$33,600,593$0$0$12,503,065
91$36,885,324$0$0$13,731,066
92$40,500,607$0$0$15,082,833
93$44,480,018$0$0$16,570,943
94$48,860,552$0$0$18,209,254
95$53,682,973$0$0$20,013,038
96$58,992,199$0$0$21,999,120
97$64,837,722$0$0$24,186,042
98$71,274,081$0$0$26,594,236
99$78,361,370$0$0$29,246,213
100$86,165,809$0$0$32,166,782