Can I retire at age 35 with 446,000?

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 $446,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$36,830$36,502$36,182$35,870$35,565$34,167
2 years$18,233$17,893$17,564$17,245$16,936$15,545
3 years$12,034$11,693$11,365$11,049$10,745$9,404
4 years$8,936$8,596$8,271$7,960$7,663$6,383
5 years$7,077$6,739$6,419$6,114$5,825$4,609
6 years$5,839$5,503$5,187$4,890$4,609$3,458
7 years$4,954$4,622$4,311$4,020$3,749$2,662
8 years$4,291$3,962$3,656$3,372$3,110$2,086
9 years$3,776$3,449$3,149$2,872$2,619$1,657
10 years$3,364$3,040$2,745$2,476$2,232$1,329
11 years$3,027$2,707$2,417$2,155$1,919$1,075
12 years$2,746$2,429$2,145$1,890$1,663$874
13 years$2,509$2,195$1,916$1,669$1,450$714
14 years$2,306$1,996$1,722$1,481$1,271$586
15 years$2,130$1,823$1,554$1,321$1,119$482
16 years$1,976$1,673$1,409$1,183$989$398
17 years$1,840$1,540$1,282$1,063$877$329
18 years$1,720$1,423$1,171$958$780$272
19 years$1,612$1,319$1,072$865$695$226
20 years$1,516$1,226$984$784$621$188
21 years$1,428$1,142$905$711$556$156
22 years$1,349$1,066$834$647$498$130
23 years$1,277$997$770$589$447$108
24 years$1,211$934$712$537$402$90
25 years$1,150$876$659$491$362$75
26 years$1,094$824$612$449$326$62
27 years$1,042$775$568$411$294$52
28 years$994$731$528$376$265$43
29 years$949$689$491$345$239$36
30 years$908$651$458$317$216$30
31 years$869$615$427$291$195$25
32 years$833$582$398$267$177$21
33 years$799$551$372$246$160$17
34 years$767$523$347$226$145$15
35 years$737$496$325$208$131$12
36 years$708$470$304$192$119$10
37 years$682$447$284$177$108$8
38 years$656$425$266$163$98$7
39 years$632$404$249$150$89$6
40 years$610$384$234$138$80$5
41 years$588$366$219$128$73$4
42 years$568$348$206$118$66$3
43 years$548$332$193$109$60$3
44 years$530$316$181$100$54$2
45 years$512$302$170$93$49$2
46 years$495$288$160$86$45$2
47 years$479$275$150$79$41$1
48 years$464$262$141$73$37$1
49 years$449$250$133$68$34$1
50 years$435$239$125$63$31$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $446,000, adding $6,175 every year, while hoping to spend $25,784 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: 56/14/30 Blend
34$446,000$446,000$446,000$446,000
35$497,862$474,224$467,311$521,303
36$521,209$470,026$455,531$533,945
37$546,075$464,760$442,494$544,538
38$572,585$458,343$428,128$555,568
39$600,879$450,693$412,361$567,085
40$631,112$441,720$395,118$579,148
41$663,449$431,328$376,318$591,822
42$698,076$419,418$355,880$605,179
43$735,194$405,884$333,716$619,303
44$775,024$390,613$309,736$634,285
45$817,810$373,486$283,845$650,228
46$863,817$354,377$255,945$667,248
47$913,339$333,154$225,931$685,473
48$966,696$309,675$193,696$705,048
49$1,024,242$283,792$159,128$726,135
50$1,086,364$255,347$122,108$748,912
51$1,153,488$224,175$82,515$773,581
52$1,226,084$190,099$40,218$800,364
53$1,304,664$152,934$0$829,511
54$1,389,796$112,484$0$862,874
55$1,482,101$68,541$0$913,028
56$1,582,263$20,887$0$967,474
57$1,691,035$0$0$1,026,642
58$1,809,244$0$0$1,095,739
59$1,937,801$0$0$1,174,419
60$2,077,706$0$0$1,260,083
61$2,230,064$0$0$1,353,409
62$2,396,085$0$0$1,455,146
63$2,577,105$0$0$1,566,116
64$2,774,592$0$0$1,687,224
65$2,990,164$0$0$1,819,470
66$3,225,599$0$0$1,963,948
67$3,482,858$0$0$2,121,869
68$3,764,097$0$0$2,294,562
69$4,071,692$0$0$2,483,492
70$4,408,256$0$0$2,690,271
71$4,776,668$0$0$2,916,677
72$5,180,101$0$0$3,164,663
73$5,622,044$0$0$3,436,384
74$6,106,343$0$0$3,734,213
75$6,637,232$0$0$4,060,760
76$7,219,375$0$0$4,418,903
77$7,857,909$0$0$4,811,811
78$8,558,491$0$0$5,242,974
79$9,327,353$0$0$5,716,237
80$10,171,361$0$0$6,235,835
81$11,098,074$0$0$6,806,434
82$12,115,823$0$0$7,433,171
83$13,233,783$0$0$8,121,709
84$14,462,063$0$0$8,878,283
85$15,811,798$0$0$9,709,766
86$17,295,257$0$0$10,623,725
87$18,925,953$0$0$11,628,501
88$20,718,778$0$0$12,733,280
89$22,690,136$0$0$13,948,184
90$24,858,101$0$0$15,284,367
91$27,242,586$0$0$16,754,114
92$29,865,530$0$0$18,370,963
93$32,751,107$0$0$20,149,832
94$35,925,951$0$0$22,107,153
95$39,419,407$0$0$24,261,035
96$43,263,809$0$0$26,631,430
97$47,494,784$0$0$29,240,323
98$52,151,588$0$0$32,111,935
99$57,277,474$0$0$35,272,959
100$62,920,104$0$0$38,752,804