Can I retire at age 35 with 468,000?

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 $468,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$38,647$38,303$37,967$37,639$37,319$35,881
2 years$19,132$18,776$18,431$18,096$17,771$16,339
3 years$12,628$12,270$11,926$11,594$11,275$9,894
4 years$9,377$9,020$8,679$8,353$8,041$6,723
5 years$7,426$7,072$6,735$6,416$6,113$4,860
6 years$6,127$5,775$5,443$5,131$4,837$3,650
7 years$5,198$4,849$4,523$4,218$3,934$2,813
8 years$4,503$4,157$3,836$3,539$3,263$2,207
9 years$3,962$3,619$3,304$3,014$2,748$1,755
10 years$3,529$3,190$2,880$2,598$2,342$1,410
11 years$3,176$2,840$2,536$2,261$2,014$1,141
12 years$2,882$2,549$2,251$1,983$1,745$930
13 years$2,633$2,304$2,011$1,751$1,522$761
14 years$2,419$2,094$1,807$1,554$1,334$625
15 years$2,235$1,913$1,631$1,386$1,175$515
16 years$2,073$1,755$1,479$1,241$1,038$426
17 years$1,931$1,616$1,346$1,115$920$352
18 years$1,805$1,494$1,228$1,005$818$292
19 years$1,692$1,384$1,125$908$729$243
20 years$1,591$1,286$1,032$822$652$202
21 years$1,499$1,198$949$746$583$168
22 years$1,416$1,118$875$679$523$140
23 years$1,340$1,046$808$618$469$117
24 years$1,270$980$747$564$422$97
25 years$1,207$920$692$515$379$81
26 years$1,148$864$642$471$342$68
27 years$1,093$813$596$431$308$56
28 years$1,043$767$554$395$278$47
29 years$996$723$516$362$251$39
30 years$953$683$480$332$227$33
31 years$912$646$448$305$205$27
32 years$874$611$418$280$186$23
33 years$838$579$390$258$168$19
34 years$805$548$364$237$152$16
35 years$773$520$341$218$138$13
36 years$743$494$319$201$125$11
37 years$715$469$298$185$113$9
38 years$689$446$279$171$103$8
39 years$664$424$262$158$93$7
40 years$640$403$245$145$84$5
41 years$617$384$230$134$76$5
42 years$596$365$216$124$69$4
43 years$575$348$202$114$63$3
44 years$556$332$190$105$57$3
45 years$538$316$178$97$52$2
46 years$520$302$168$90$47$2
47 years$503$288$157$83$43$2
48 years$487$275$148$77$39$1
49 years$472$263$139$71$35$1
50 years$457$251$131$66$32$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $468,000, adding $2,041 every year, while hoping to spend $28,153 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: 42/48/10 Blend
34$468,000$468,000$468,000$468,000
35$517,841$493,037$485,783$537,991
36$540,707$487,242$472,102$546,476
37$564,960$480,218$457,020$552,673
38$590,715$471,877$440,458$558,749
39$618,093$462,124$422,338$564,707
40$647,227$450,857$402,576$570,548
41$678,265$437,970$381,083$576,278
42$711,367$423,350$357,768$581,905
43$746,709$406,876$332,536$587,439
44$784,483$388,423$305,286$592,897
45$824,901$367,857$275,914$598,297
46$868,195$345,035$244,310$603,664
47$914,617$319,809$210,362$609,030
48$964,448$292,019$173,948$614,430
49$1,017,992$261,498$134,946$619,909
50$1,075,586$228,070$93,225$625,521
51$1,137,598$191,548$48,650$631,327
52$1,204,432$151,733$1,079$637,401
53$1,276,533$108,417$0$643,829
54$1,354,391$61,381$0$656,012
55$1,438,541$10,390$0$669,229
56$1,529,573$0$0$683,516
57$1,628,135$0$0$722,704
58$1,734,942$0$0$771,167
59$1,850,776$0$0$823,776
60$1,976,499$0$0$880,932
61$2,113,060$0$0$943,071
62$2,261,501$0$0$1,010,675
63$2,422,970$0$0$1,084,274
64$2,598,729$0$0$1,164,451
65$2,790,167$0$0$1,251,848
66$2,998,812$0$0$1,347,172
67$3,226,346$0$0$1,451,198
68$3,474,621$0$0$1,564,784
69$3,745,674$0$0$1,688,871
70$4,041,749$0$0$1,824,496
71$4,365,315$0$0$1,972,800
72$4,719,091$0$0$2,135,041
73$5,106,070$0$0$2,312,603
74$5,529,549$0$0$2,507,009
75$5,993,156$0$0$2,719,938
76$6,500,888$0$0$2,953,238
77$7,057,146$0$0$3,208,944
78$7,666,778$0$0$3,489,298
79$8,335,121$0$0$3,796,769
80$9,068,054$0$0$4,134,077
81$9,872,053$0$0$4,504,216
82$10,754,251$0$0$4,910,486
83$11,722,503$0$0$5,356,520
84$12,785,463$0$0$5,846,323
85$13,952,663$0$0$6,384,305
86$15,234,606$0$0$6,975,322
87$16,642,857$0$0$7,624,728
88$18,190,162$0$0$8,338,417
89$19,890,558$0$0$9,122,886
90$21,759,512$0$0$9,985,290
91$23,814,064$0$0$10,933,513
92$26,072,984$0$0$11,976,241
93$28,556,956$0$0$13,123,045
94$31,288,765$0$0$14,384,466
95$34,293,518$0$0$15,772,123
96$37,598,874$0$0$17,298,815
97$41,235,310$0$0$18,978,645
98$45,236,405$0$0$20,827,150
99$49,639,158$0$0$22,861,453
100$54,484,333$0$0$25,100,418