Can I retire at age 35 with 467,000?

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 $467,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$38,564$38,221$37,886$37,559$37,239$36,759
2 years$19,091$18,736$18,391$18,057$17,733$17,249
3 years$12,601$12,244$11,900$11,569$11,251$10,779
4 years$9,357$9,001$8,660$8,335$8,024$7,568
5 years$7,410$7,057$6,721$6,402$6,100$5,661
6 years$6,113$5,762$5,431$5,120$4,826$4,406
7 years$5,187$4,839$4,514$4,209$3,925$3,522
8 years$4,493$4,148$3,828$3,531$3,256$2,871
9 years$3,953$3,612$3,297$3,008$2,742$2,374
10 years$3,522$3,183$2,874$2,593$2,337$1,986
11 years$3,169$2,834$2,531$2,256$2,010$1,676
12 years$2,875$2,544$2,246$1,979$1,741$1,424
13 years$2,627$2,299$2,006$1,747$1,519$1,218
14 years$2,414$2,089$1,803$1,551$1,331$1,046
15 years$2,230$1,909$1,628$1,383$1,172$902
16 years$2,069$1,751$1,476$1,239$1,036$781
17 years$1,927$1,613$1,343$1,113$918$678
18 years$1,801$1,490$1,226$1,003$817$589
19 years$1,688$1,381$1,122$906$728$514
20 years$1,587$1,284$1,030$821$650$449
21 years$1,496$1,196$947$745$582$393
22 years$1,413$1,116$873$677$522$344
23 years$1,337$1,044$806$617$468$302
24 years$1,268$978$746$563$421$265
25 years$1,204$918$691$514$379$233
26 years$1,145$863$640$470$341$204
27 years$1,091$812$595$430$308$180
28 years$1,041$765$553$394$277$158
29 years$994$722$514$361$251$140
30 years$951$681$479$332$226$123
31 years$910$644$447$304$205$108
32 years$872$610$417$280$185$96
33 years$836$577$389$257$168$84
34 years$803$547$364$237$152$74
35 years$771$519$340$218$137$66
36 years$742$493$318$201$124$58
37 years$714$468$298$185$113$51
38 years$687$445$279$170$102$45
39 years$662$423$261$157$93$40
40 years$638$402$245$145$84$35
41 years$616$383$230$134$76$31
42 years$595$365$215$123$69$28
43 years$574$347$202$114$63$24
44 years$555$331$190$105$57$21
45 years$536$316$178$97$52$19
46 years$519$301$167$90$47$17
47 years$502$287$157$83$43$15
48 years$486$274$148$77$39$13
49 years$471$262$139$71$35$12
50 years$456$250$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 $467,000, adding $6,344 every year, while hoping to spend $23,986 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: 84/9/7 Blend
34$467,000$467,000$467,000$467,000
35$521,178$496,427$489,188$564,097
36$548,817$495,231$480,055$591,872
37$578,472$493,172$469,812$618,462
38$610,322$490,184$458,397$646,913
39$644,565$486,193$445,744$677,399
40$681,419$481,125$431,784$710,107
41$721,122$474,898$416,447$745,246
42$763,936$467,428$399,658$783,045
43$810,148$458,623$381,338$823,756
44$860,076$448,388$361,405$867,656
45$914,065$436,621$339,774$915,053
46$972,499$423,214$316,355$966,282
47$1,035,797$408,055$291,056$1,021,716
48$1,104,421$391,022$263,779$1,081,762
49$1,178,878$371,988$234,421$1,146,873
50$1,259,726$350,818$202,877$1,217,543
51$1,347,580$327,370$169,036$1,294,320
52$1,443,115$301,493$132,780$1,377,807
53$1,547,074$273,027$93,989$1,468,668
54$1,660,274$241,805$52,537$1,567,635
55$1,783,617$207,647$8,291$1,675,515
56$1,918,091$170,367$0$1,793,196
57$2,064,786$129,765$0$1,924,566
58$2,224,903$85,632$0$2,068,647
59$2,399,761$37,746$0$2,226,020
60$2,590,814$0$0$2,398,010
61$2,799,662$0$0$2,587,472
62$3,028,067$0$0$2,798,772
63$3,277,968$0$0$3,029,968
64$3,551,503$0$0$3,283,035
65$3,851,022$0$0$3,560,151
66$4,179,116$0$0$3,863,715
67$4,538,637$0$0$4,196,365
68$4,932,727$0$0$4,561,009
69$5,364,845$0$0$4,960,851
70$5,838,802$0$0$5,399,417
71$6,358,795$0$0$5,880,593
72$6,929,447$0$0$6,408,657
73$7,555,850$0$0$6,988,324
74$8,243,613$0$0$7,624,785
75$8,998,917$0$0$8,323,759
76$9,828,566$0$0$9,091,549
77$10,740,060$0$0$9,935,094
78$11,741,660$0$0$10,862,042
79$12,842,465$0$0$11,880,816
80$14,052,502$0$0$13,000,696
81$15,382,815$0$0$14,231,907
82$16,845,575$0$0$15,585,713
83$18,454,189$0$0$17,074,525
84$20,223,427$0$0$18,712,018
85$22,169,566$0$0$20,513,254
86$24,310,536$0$0$22,494,834
87$26,666,095$0$0$24,675,046
88$29,258,011$0$0$27,074,041
89$32,110,270$0$0$29,714,020
90$35,249,299$0$0$32,619,448
91$38,704,219$0$0$35,817,279
92$42,507,114$0$0$39,337,214
93$46,693,340$0$0$43,211,980
94$51,301,851$0$0$47,477,636
95$56,375,572$0$0$52,173,918
96$61,961,802$0$0$57,344,607
97$68,112,660$0$0$63,037,948
98$74,885,573$0$0$69,307,103
99$82,343,825$0$0$76,210,649
100$90,557,146$0$0$83,813,134