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%16.6%
1 years$38,564$38,221$37,886$37,559$37,239$36,236
2 years$19,091$18,736$18,391$18,057$17,733$16,730
3 years$12,601$12,244$11,900$11,569$11,251$10,278
4 years$9,357$9,001$8,660$8,335$8,024$7,090
5 years$7,410$7,057$6,721$6,402$6,100$5,207
6 years$6,113$5,762$5,431$5,120$4,826$3,976
7 years$5,187$4,839$4,514$4,209$3,925$3,116
8 years$4,493$4,148$3,828$3,531$3,256$2,489
9 years$3,953$3,612$3,297$3,008$2,742$2,016
10 years$3,522$3,183$2,874$2,593$2,337$1,650
11 years$3,169$2,834$2,531$2,256$2,010$1,362
12 years$2,875$2,544$2,246$1,979$1,741$1,132
13 years$2,627$2,299$2,006$1,747$1,519$945
14 years$2,414$2,089$1,803$1,551$1,331$793
15 years$2,230$1,909$1,628$1,383$1,172$668
16 years$2,069$1,751$1,476$1,239$1,036$564
17 years$1,927$1,613$1,343$1,113$918$477
18 years$1,801$1,490$1,226$1,003$817$405
19 years$1,688$1,381$1,122$906$728$344
20 years$1,587$1,284$1,030$821$650$292
21 years$1,496$1,196$947$745$582$249
22 years$1,413$1,116$873$677$522$212
23 years$1,337$1,044$806$617$468$181
24 years$1,268$978$746$563$421$155
25 years$1,204$918$691$514$379$132
26 years$1,145$863$640$470$341$113
27 years$1,091$812$595$430$308$97
28 years$1,041$765$553$394$277$83
29 years$994$722$514$361$251$71
30 years$951$681$479$332$226$61
31 years$910$644$447$304$205$52
32 years$872$610$417$280$185$44
33 years$836$577$389$257$168$38
34 years$803$547$364$237$152$33
35 years$771$519$340$218$137$28
36 years$742$493$318$201$124$24
37 years$714$468$298$185$113$21
38 years$687$445$279$170$102$18
39 years$662$423$261$157$93$15
40 years$638$402$245$145$84$13
41 years$616$383$230$134$76$11
42 years$595$365$215$123$69$10
43 years$574$347$202$114$63$8
44 years$555$331$190$105$57$7
45 years$536$316$178$97$52$6
46 years$519$301$167$90$47$5
47 years$502$287$157$83$43$4
48 years$486$274$148$77$39$4
49 years$471$262$139$71$35$3
50 years$456$250$130$65$32$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $467,000, adding $4,234 every year, while hoping to spend $30,135 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: 68/18/14 Blend
34$467,000$467,000$467,000$467,000
35$519,001$494,250$487,012$552,347
36$539,876$486,405$471,263$567,249
37$561,870$477,166$453,977$579,568
38$585,066$466,432$435,070$592,274
39$609,552$454,097$414,455$605,401
40$635,428$440,049$392,041$618,987
41$662,800$424,170$367,733$633,078
42$691,785$406,333$341,431$647,722
43$722,509$386,406$313,031$662,975
44$755,113$364,247$282,425$678,898
45$789,747$339,708$249,499$695,561
46$826,579$312,632$214,135$713,043
47$865,791$282,851$176,209$731,430
48$907,581$250,191$135,592$750,820
49$952,169$214,465$92,149$771,322
50$999,793$175,477$45,739$793,059
51$1,050,716$133,019$0$816,165
52$1,105,225$86,872$0$841,359
53$1,163,634$36,806$0$875,572
54$1,226,291$0$0$912,179
55$1,293,573$0$0$954,865
56$1,365,897$0$0$1,008,605
57$1,443,720$0$0$1,066,452
58$1,527,544$0$0$1,128,781
59$1,617,919$0$0$1,196,004
60$1,715,452$0$0$1,268,574
61$1,820,807$0$0$1,346,990
62$1,934,716$0$0$1,431,799
63$2,057,980$0$0$1,523,602
64$2,191,485$0$0$1,623,060
65$2,336,200$0$0$1,730,900
66$2,493,193$0$0$1,847,922
67$2,663,638$0$0$1,975,005
68$2,848,827$0$0$2,113,116
69$3,050,181$0$0$2,263,320
70$3,269,262$0$0$2,426,786
71$3,507,791$0$0$2,604,803
72$3,767,659$0$0$2,798,788
73$4,050,948$0$0$3,010,301
74$4,359,951$0$0$3,241,058
75$4,697,191$0$0$3,492,949
76$5,065,443$0$0$3,768,054
77$5,467,765$0$0$4,068,663
78$5,907,522$0$0$4,397,296
79$6,388,418$0$0$4,756,730
80$6,914,534$0$0$5,150,019
81$7,490,359$0$0$5,580,528
82$8,120,841$0$0$6,051,964
83$8,811,426$0$0$6,568,407
84$9,568,111$0$0$7,134,349
85$10,397,503$0$0$7,754,740
86$11,306,876$0$0$8,435,031
87$12,304,244$0$0$9,181,225
88$13,398,431$0$0$9,999,934
89$14,599,158$0$0$10,898,441
90$15,917,134$0$0$11,884,769
91$17,364,152$0$0$12,967,756
92$18,953,205$0$0$14,157,135
93$20,698,606$0$0$15,463,631
94$22,616,121$0$0$16,899,057
95$24,723,120$0$0$18,476,428
96$27,038,738$0$0$20,210,082
97$29,584,055$0$0$22,115,813
98$32,382,297$0$0$24,211,024
99$35,459,050$0$0$26,514,889
100$38,842,505$0$0$29,048,529