Can I retire at age 35 with 466,000?

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 $466,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$38,482$38,139$37,805$37,478$37,159$36,409
2 years$19,050$18,696$18,352$18,018$17,695$16,942
3 years$12,574$12,218$11,875$11,545$11,226$10,495
4 years$9,337$8,981$8,642$8,317$8,007$7,302
5 years$7,395$7,042$6,706$6,388$6,087$5,411
6 years$6,100$5,750$5,420$5,109$4,816$4,170
7 years$5,176$4,829$4,504$4,200$3,917$3,300
8 years$4,484$4,139$3,820$3,524$3,249$2,662
9 years$3,945$3,604$3,290$3,001$2,736$2,178
10 years$3,514$3,177$2,868$2,587$2,332$1,802
11 years$3,162$2,828$2,525$2,252$2,005$1,504
12 years$2,869$2,538$2,241$1,975$1,738$1,263
13 years$2,621$2,294$2,002$1,744$1,515$1,067
14 years$2,409$2,085$1,799$1,548$1,328$906
15 years$2,225$1,905$1,624$1,380$1,170$772
16 years$2,065$1,748$1,473$1,236$1,034$659
17 years$1,923$1,609$1,340$1,110$917$565
18 years$1,797$1,487$1,223$1,001$815$485
19 years$1,685$1,378$1,120$904$726$417
20 years$1,584$1,281$1,028$819$649$360
21 years$1,493$1,193$945$743$581$310
22 years$1,410$1,114$871$676$520$268
23 years$1,334$1,042$804$615$467$232
24 years$1,265$976$744$561$420$201
25 years$1,201$916$689$513$378$174
26 years$1,143$861$639$469$340$151
27 years$1,089$810$593$429$307$131
28 years$1,039$763$552$393$277$113
29 years$992$720$513$360$250$98
30 years$949$680$478$331$226$85
31 years$908$643$446$304$204$74
32 years$870$608$416$279$185$64
33 years$835$576$388$257$167$56
34 years$801$546$363$236$151$49
35 years$770$518$339$217$137$42
36 years$740$491$317$200$124$37
37 years$712$467$297$185$113$32
38 years$686$444$278$170$102$28
39 years$661$422$261$157$93$24
40 years$637$401$244$145$84$21
41 years$615$382$229$133$76$18
42 years$593$364$215$123$69$16
43 years$573$347$202$114$63$14
44 years$554$330$189$105$57$12
45 years$535$315$178$97$52$10
46 years$518$301$167$90$47$9
47 years$501$287$157$83$43$8
48 years$485$274$147$76$39$7
49 years$470$262$138$71$35$6
50 years$455$250$130$65$32$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $466,000, adding $4,086 every year, while hoping to spend $26,507 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: 40/39/21 Blend
34$466,000$466,000$466,000$466,000
35$517,747$493,049$485,826$535,093
36$542,354$489,005$473,898$543,867
37$568,582$483,874$460,682$550,520
38$596,569$477,576$446,106$557,179
39$626,466$470,024$430,098$563,856
40$658,437$461,127$412,578$570,572
41$692,664$450,788$393,465$577,349
42$729,344$438,905$372,674$584,213
43$768,696$425,370$350,117$591,198
44$810,957$410,068$325,701$598,341
45$856,391$392,877$299,328$605,688
46$905,285$373,670$270,897$613,290
47$957,954$352,310$240,302$621,209
48$1,014,745$328,654$207,433$629,515
49$1,076,041$302,549$172,174$638,288
50$1,142,259$273,836$134,403$647,622
51$1,213,860$242,345$93,997$657,622
52$1,291,350$207,895$50,821$668,410
53$1,375,284$170,299$4,741$680,124
54$1,466,275$129,355$0$692,920
55$1,564,994$84,853$0$716,933
56$1,672,181$36,568$0$744,187
57$1,788,649$0$0$773,880
58$1,915,293$0$0$813,058
59$2,053,096$0$0$872,819
60$2,203,143$0$0$937,946
61$2,366,624$0$0$1,008,963
62$2,544,852$0$0$1,086,447
63$2,739,269$0$0$1,171,033
64$2,951,463$0$0$1,263,421
65$3,183,185$0$0$1,364,380
66$3,436,358$0$0$1,474,757
67$3,713,103$0$0$1,595,487
68$4,015,751$0$0$1,727,595
69$4,346,874$0$0$1,872,213
70$4,709,298$0$0$2,030,588
71$5,106,140$0$0$2,204,089
72$5,540,828$0$0$2,394,229
73$6,017,142$0$0$2,602,671
74$6,539,241$0$0$2,831,247
75$7,111,708$0$0$3,081,976
76$7,739,587$0$0$3,357,080
77$8,428,439$0$0$3,659,008
78$9,184,386$0$0$3,990,458
79$10,014,170$0$0$4,354,399
80$10,925,222$0$0$4,754,105
81$11,925,723$0$0$5,193,182
82$13,024,688$0$0$5,675,600
83$14,232,048$0$0$6,205,735
84$15,558,743$0$0$6,788,408
85$17,016,823$0$0$7,428,928
86$18,619,567$0$0$8,133,147
87$20,381,602$0$0$8,907,510
88$22,319,044$0$0$9,759,118
89$24,449,648$0$0$10,695,796
90$26,792,977$0$0$11,726,165
91$29,370,584$0$0$12,859,723
92$32,206,216$0$0$14,106,934
93$35,326,036$0$0$15,479,329
94$38,758,874$0$0$16,989,614
95$42,536,494$0$0$18,651,787
96$46,693,893$0$0$20,481,272
97$51,269,635$0$0$22,495,065
98$56,306,212$0$0$24,711,894
99$61,850,442$0$0$27,152,392
100$67,953,915$0$0$29,839,298