Can I retire at age 35 with 469,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $469,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$38,730$38,385$38,048$37,720$37,399$35,901
2 years$19,173$18,816$18,470$18,134$17,809$16,319
3 years$12,655$12,296$11,951$11,619$11,299$9,863
4 years$9,397$9,039$8,697$8,371$8,058$6,688
5 years$7,442$7,087$6,750$6,430$6,126$4,824
6 years$6,140$5,787$5,455$5,142$4,847$3,615
7 years$5,210$4,860$4,533$4,227$3,942$2,780
8 years$4,512$4,166$3,844$3,546$3,270$2,176
9 years$3,970$3,627$3,311$3,021$2,754$1,726
10 years$3,537$3,197$2,887$2,604$2,347$1,383
11 years$3,183$2,846$2,541$2,266$2,018$1,117
12 years$2,888$2,555$2,255$1,988$1,749$907
13 years$2,638$2,309$2,015$1,755$1,525$740
14 years$2,425$2,098$1,811$1,558$1,337$606
15 years$2,240$1,917$1,635$1,389$1,177$498
16 years$2,078$1,759$1,482$1,244$1,040$411
17 years$1,935$1,620$1,349$1,118$922$339
18 years$1,809$1,497$1,231$1,007$820$280
19 years$1,696$1,387$1,127$910$731$232
20 years$1,594$1,289$1,034$824$653$192
21 years$1,502$1,201$951$748$584$160
22 years$1,419$1,121$877$680$524$132
23 years$1,343$1,048$810$619$470$110
24 years$1,273$982$749$565$423$91
25 years$1,209$922$693$516$380$76
26 years$1,150$866$643$472$343$63
27 years$1,096$815$597$432$309$53
28 years$1,045$768$555$396$279$44
29 years$998$725$517$363$252$36
30 years$955$684$481$333$227$30
31 years$914$647$449$306$206$25
32 years$876$612$419$281$186$21
33 years$840$580$391$258$168$18
34 years$806$549$365$238$152$15
35 years$775$521$341$219$138$12
36 years$745$495$319$202$125$10
37 years$717$470$299$186$113$8
38 years$690$446$280$171$103$7
39 years$665$425$262$158$93$6
40 years$641$404$246$146$84$5
41 years$619$385$231$134$77$4
42 years$597$366$216$124$70$3
43 years$577$349$203$114$63$3
44 years$557$333$190$106$57$2
45 years$539$317$179$98$52$2
46 years$521$303$168$90$47$2
47 years$504$289$158$83$43$1
48 years$488$276$148$77$39$1
49 years$473$263$139$71$35$1
50 years$458$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 $469,000, adding $6,157 every year, while hoping to spend $29,418 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: 75/15/10 Blend
34$469,000$469,000$469,000$469,000
35$523,189$498,332$491,062$561,026
36$545,254$491,450$476,213$579,928
37$568,583$483,244$459,879$596,316
38$593,275$473,620$441,982$613,449
39$619,437$462,474$422,435$631,389
40$647,184$449,701$401,152$650,207
41$676,646$435,186$378,040$669,982
42$707,962$418,807$353,002$690,800
43$741,284$400,439$325,938$712,757
44$776,780$379,946$296,742$735,960
45$814,633$357,185$265,304$760,525
46$855,044$332,005$231,510$786,583
47$898,232$304,247$195,239$814,279
48$944,439$273,741$156,366$843,772
49$993,928$240,311$114,761$875,240
50$1,046,989$203,767$70,286$908,877
51$1,103,941$163,910$22,799$944,901
52$1,165,131$120,530$0$983,551
53$1,230,944$73,405$0$1,028,069
54$1,301,799$22,301$0$1,078,562
55$1,378,158$0$0$1,132,939
56$1,460,528$0$0$1,197,028
57$1,549,467$0$0$1,270,218
58$1,645,586$0$0$1,349,333
59$1,749,559$0$0$1,434,928
60$1,862,125$0$0$1,527,614
61$1,984,097$0$0$1,628,064
62$2,116,369$0$0$1,737,016
63$2,259,925$0$0$1,855,282
64$2,415,846$0$0$1,983,755
65$2,585,321$0$0$2,123,419
66$2,769,659$0$0$2,275,353
67$2,970,299$0$0$2,440,749
68$3,188,826$0$0$2,620,914
69$3,426,983$0$0$2,817,289
70$3,686,688$0$0$3,031,459
71$3,970,052$0$0$3,265,169
72$4,279,401$0$0$3,520,339
73$4,617,291$0$0$3,799,083
74$4,986,541$0$0$4,103,728
75$5,390,249$0$0$4,436,838
76$5,831,831$0$0$4,801,232
77$6,315,046$0$0$5,200,017
78$6,844,032$0$0$5,636,614
79$7,423,347$0$0$6,114,789
80$8,058,011$0$0$6,638,689
81$8,753,551$0$0$7,212,884
82$9,516,056$0$0$7,842,403
83$10,352,230$0$0$8,532,788
84$11,269,458$0$0$9,290,143
85$12,275,874$0$0$10,121,187
86$13,380,438$0$0$11,033,328
87$14,593,019$0$0$12,034,719
88$15,924,488$0$0$13,134,347
89$17,386,821$0$0$14,342,107
90$18,993,210$0$0$15,668,902
91$20,758,188$0$0$17,126,743
92$22,697,765$0$0$18,728,862
93$24,829,580$0$0$20,489,836
94$27,173,064$0$0$22,425,723
95$29,749,626$0$0$24,554,218
96$32,582,852$0$0$26,894,813
97$35,698,728$0$0$29,468,985
98$39,125,885$0$0$32,300,395
99$42,895,867$0$0$35,415,116
100$47,043,431$0$0$38,841,870