Can I retire at age 35 with 452,000?

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 $452,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$37,326$36,993$36,669$36,352$36,043$35,652
2 years$18,478$18,134$17,800$17,477$17,163$16,769
3 years$12,196$11,851$11,518$11,198$10,889$10,505
4 years$9,056$8,712$8,382$8,067$7,766$7,394
5 years$7,172$6,830$6,505$6,196$5,904$5,545
6 years$5,917$5,577$5,257$4,955$4,671$4,327
7 years$5,021$4,684$4,369$4,074$3,799$3,469
8 years$4,349$4,015$3,705$3,418$3,152$2,836
9 years$3,826$3,496$3,191$2,911$2,654$2,352
10 years$3,409$3,081$2,782$2,509$2,262$1,973
11 years$3,067$2,743$2,449$2,184$1,945$1,670
12 years$2,783$2,462$2,174$1,916$1,685$1,424
13 years$2,543$2,225$1,942$1,691$1,470$1,222
14 years$2,337$2,022$1,745$1,501$1,288$1,053
15 years$2,158$1,847$1,575$1,339$1,134$911
16 years$2,003$1,695$1,428$1,199$1,003$791
17 years$1,865$1,561$1,300$1,077$889$689
18 years$1,743$1,442$1,186$971$790$602
19 years$1,634$1,337$1,086$877$705$526
20 years$1,536$1,242$997$794$629$461
21 years$1,448$1,157$917$721$563$405
22 years$1,367$1,080$845$656$505$356
23 years$1,294$1,010$780$597$453$314
24 years$1,227$947$722$544$407$276
25 years$1,165$888$668$497$366$244
26 years$1,109$835$620$455$330$215
27 years$1,056$786$576$416$298$190
28 years$1,007$740$535$381$269$168
29 years$962$698$498$350$243$149
30 years$920$660$464$321$219$131
31 years$881$624$432$295$198$116
32 years$844$590$403$271$179$103
33 years$809$559$377$249$162$91
34 years$777$530$352$229$147$81
35 years$747$502$329$211$133$72
36 years$718$477$308$194$120$64
37 years$691$453$288$179$109$56
38 years$665$430$270$165$99$50
39 years$641$409$253$152$90$44
40 years$618$389$237$140$81$39
41 years$596$371$222$129$74$35
42 years$575$353$208$119$67$31
43 years$556$336$196$110$61$27
44 years$537$321$184$102$55$24
45 years$519$306$172$94$50$22
46 years$502$292$162$87$46$19
47 years$486$278$152$80$41$17
48 years$470$266$143$74$38$15
49 years$456$254$134$69$34$13
50 years$441$242$126$63$31$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $452,000, adding $3,157 every year, while hoping to spend $29,071 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: 70/10/20 Blend
34$452,000$452,000$452,000$452,000
35$501,360$477,404$470,398$533,790
36$521,568$469,866$455,225$548,289
37$542,862$460,984$438,570$560,422
38$565,323$450,661$420,351$572,983
39$589,039$438,796$400,486$586,012
40$614,104$425,281$378,885$599,554
41$640,623$410,000$355,458$613,657
42$668,709$392,832$330,108$628,376
43$698,486$373,650$302,736$643,774
44$730,090$352,317$273,236$659,918
45$763,669$328,690$241,499$676,886
46$799,385$302,617$207,411$694,763
47$837,415$273,938$170,852$713,644
48$877,954$242,484$131,698$733,637
49$921,214$208,074$89,819$754,859
50$967,429$170,521$45,078$777,443
51$1,016,853$129,623$0$801,535
52$1,069,767$85,169$0$827,868
53$1,126,478$36,937$0$866,357
54$1,187,322$0$0$907,608
55$1,252,670$0$0$953,563
56$1,322,927$0$0$1,007,358
57$1,398,539$0$0$1,065,271
58$1,479,994$0$0$1,127,678
59$1,567,830$0$0$1,194,994
60$1,662,637$0$0$1,267,674
61$1,765,063$0$0$1,346,216
62$1,875,821$0$0$1,431,171
63$1,995,694$0$0$1,523,143
64$2,125,543$0$0$1,622,793
65$2,266,315$0$0$1,730,854
66$2,419,050$0$0$1,848,126
67$2,584,894$0$0$1,975,494
68$2,765,106$0$0$2,113,926
69$2,961,070$0$0$2,264,493
70$3,174,312$0$0$2,428,367
71$3,406,507$0$0$2,606,843
72$3,659,502$0$0$2,801,344
73$3,935,326$0$0$3,013,434
74$4,236,214$0$0$3,244,838
75$4,564,627$0$0$3,497,452
76$4,923,272$0$0$3,773,364
77$5,315,131$0$0$4,074,874
78$5,743,483$0$0$4,404,510
79$6,211,944$0$0$4,765,061
80$6,724,490$0$0$5,159,594
81$7,285,502$0$0$5,591,487
82$7,899,803$0$0$6,064,460
83$8,572,705$0$0$6,582,609
84$9,310,057$0$0$7,150,446
85$10,118,302$0$0$7,772,939
86$11,004,535$0$0$8,455,560
87$11,976,569$0$0$9,204,337
88$13,043,012$0$0$10,025,909
89$14,213,345$0$0$10,927,586
90$15,498,010$0$0$11,917,424
91$16,908,510$0$0$13,004,295
92$18,457,517$0$0$14,197,973
93$20,158,990$0$0$15,509,224
94$22,028,305$0$0$16,949,909
95$24,082,403$0$0$18,533,094
96$26,339,945$0$0$20,273,174
97$28,821,493$0$0$22,186,008
98$31,549,698$0$0$24,289,068
99$34,549,514$0$0$26,601,603
100$37,848,437$0$0$29,144,820