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%17.9%
1 years$38,647$38,303$37,967$37,639$37,319$36,124
2 years$19,132$18,776$18,431$18,096$17,771$16,578
3 years$12,628$12,270$11,926$11,594$11,275$10,122
4 years$9,377$9,020$8,679$8,353$8,041$6,936
5 years$7,426$7,072$6,735$6,416$6,113$5,059
6 years$6,127$5,775$5,443$5,131$4,837$3,836
7 years$5,198$4,849$4,523$4,218$3,934$2,984
8 years$4,503$4,157$3,836$3,539$3,263$2,366
9 years$3,962$3,619$3,304$3,014$2,748$1,901
10 years$3,529$3,190$2,880$2,598$2,342$1,543
11 years$3,176$2,840$2,536$2,261$2,014$1,263
12 years$2,882$2,549$2,251$1,983$1,745$1,041
13 years$2,633$2,304$2,011$1,751$1,522$862
14 years$2,419$2,094$1,807$1,554$1,334$716
15 years$2,235$1,913$1,631$1,386$1,175$597
16 years$2,073$1,755$1,479$1,241$1,038$500
17 years$1,931$1,616$1,346$1,115$920$419
18 years$1,805$1,494$1,228$1,005$818$352
19 years$1,692$1,384$1,125$908$729$296
20 years$1,591$1,286$1,032$822$652$249
21 years$1,499$1,198$949$746$583$210
22 years$1,416$1,118$875$679$523$177
23 years$1,340$1,046$808$618$469$150
24 years$1,270$980$747$564$422$127
25 years$1,207$920$692$515$379$107
26 years$1,148$864$642$471$342$91
27 years$1,093$813$596$431$308$77
28 years$1,043$767$554$395$278$65
29 years$996$723$516$362$251$55
30 years$953$683$480$332$227$47
31 years$912$646$448$305$205$39
32 years$874$611$418$280$186$33
33 years$838$579$390$258$168$28
34 years$805$548$364$237$152$24
35 years$773$520$341$218$138$20
36 years$743$494$319$201$125$17
37 years$715$469$298$185$113$15
38 years$689$446$279$171$103$12
39 years$664$424$262$158$93$11
40 years$640$403$245$145$84$9
41 years$617$384$230$134$76$8
42 years$596$365$216$124$69$6
43 years$575$348$202$114$63$5
44 years$556$332$190$105$57$5
45 years$538$316$178$97$52$4
46 years$520$302$168$90$47$3
47 years$503$288$157$83$43$3
48 years$487$275$148$77$39$2
49 years$472$263$139$71$35$2
50 years$457$251$131$66$32$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $468,000, adding $6,232 every year, while hoping to spend $21,539 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: 73/12/15 Blend
34$468,000$468,000$468,000$468,000
35$522,164$497,360$490,106$558,098
36$552,508$498,814$483,608$584,189
37$585,224$499,616$476,169$609,517
38$620,533$499,714$467,737$636,691
39$658,676$499,048$458,254$665,886
40$699,916$497,557$447,661$697,301
41$744,546$495,176$435,897$731,150
42$792,886$491,835$422,895$767,673
43$845,286$487,461$408,588$807,132
44$902,134$481,975$392,904$849,819
45$963,856$475,296$375,771$896,054
46$1,030,919$467,335$357,108$946,189
47$1,103,838$457,999$336,837$1,000,616
48$1,183,179$447,191$314,871$1,059,764
49$1,269,565$434,806$291,121$1,124,107
50$1,363,683$420,733$265,496$1,194,169
51$1,466,286$404,857$237,897$1,270,527
52$1,578,206$387,053$208,225$1,353,819
53$1,700,355$367,191$176,373$1,444,746
54$1,833,740$345,133$142,231$1,544,084
55$1,979,470$320,732$105,683$1,652,688
56$2,138,762$293,834$66,610$1,771,500
57$2,312,960$264,276$24,885$1,901,561
58$2,503,541$231,885$0$2,044,017
59$2,712,133$196,478$0$2,203,278
60$2,940,529$157,864$0$2,382,049
61$3,190,701$115,837$0$2,577,907
62$3,464,824$70,184$0$2,792,571
63$3,765,290$20,677$0$3,027,940
64$4,094,735$0$0$3,286,102
65$4,456,064$0$0$3,573,710
66$4,852,474$0$0$3,892,259
67$5,287,487$0$0$4,241,852
68$5,764,984$0$0$4,625,609
69$6,289,237$0$0$5,046,969
70$6,864,956$0$0$5,509,719
71$7,497,326$0$0$6,018,030
72$8,192,060$0$0$6,576,498
73$8,955,452$0$0$7,190,185
74$9,794,435$0$0$7,864,669
75$10,716,650$0$0$8,606,095
76$11,730,510$0$0$9,421,232
77$12,845,288$0$0$10,317,538
78$14,071,199$0$0$11,303,231
79$15,419,497$0$0$12,387,363
80$16,902,582$0$0$13,579,910
81$18,534,116$0$0$14,891,862
82$20,329,151$0$0$16,335,326
83$22,304,274$0$0$17,923,646
84$24,477,759$0$0$19,671,520
85$26,869,740$0$0$21,595,148
86$29,502,403$0$0$23,712,375
87$32,400,194$0$0$26,042,866
88$35,590,049$0$0$28,608,291
89$39,101,648$0$0$31,432,524
90$42,967,695$0$0$34,541,873
91$47,224,225$0$0$37,965,328
92$51,910,947$0$0$41,734,831
93$57,071,615$0$0$45,885,581
94$62,754,442$0$0$50,456,361
95$69,012,556$0$0$55,489,910
96$75,904,497$0$0$61,033,321
97$83,494,776$0$0$67,138,489
98$91,854,475$0$0$73,862,597
99$101,061,926$0$0$81,268,657
100$111,203,443$0$0$89,426,106