Can I retire at age 35 with 455,000?

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 $455,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$37,573$37,239$36,912$36,594$36,282$35,725
2 years$18,601$18,254$17,919$17,593$17,277$16,718
3 years$12,277$11,929$11,595$11,272$10,961$10,416
4 years$9,116$8,769$8,438$8,121$7,818$7,291
5 years$7,220$6,875$6,548$6,238$5,943$5,437
6 years$5,956$5,614$5,292$4,988$4,702$4,217
7 years$5,054$4,715$4,398$4,101$3,824$3,360
8 years$4,378$4,041$3,729$3,440$3,173$2,730
9 years$3,852$3,519$3,212$2,930$2,672$2,250
10 years$3,431$3,102$2,800$2,526$2,277$1,875
11 years$3,088$2,761$2,465$2,198$1,958$1,576
12 years$2,801$2,478$2,188$1,928$1,697$1,334
13 years$2,559$2,240$1,955$1,702$1,480$1,136
14 years$2,352$2,036$1,756$1,511$1,297$972
15 years$2,173$1,860$1,586$1,348$1,142$835
16 years$2,016$1,706$1,438$1,207$1,009$720
17 years$1,878$1,571$1,308$1,084$895$622
18 years$1,755$1,452$1,194$977$796$539
19 years$1,645$1,346$1,093$883$709$468
20 years$1,546$1,251$1,003$800$633$407
21 years$1,457$1,165$923$726$567$354
22 years$1,376$1,087$851$660$508$309
23 years$1,303$1,017$785$601$456$269
24 years$1,235$953$726$548$410$235
25 years$1,173$894$673$501$369$206
26 years$1,116$840$624$458$332$180
27 years$1,063$791$579$419$300$158
28 years$1,014$745$539$384$270$138
29 years$969$703$501$352$244$121
30 years$926$664$467$323$221$106
31 years$887$628$435$297$199$93
32 years$850$594$406$273$180$82
33 years$815$562$379$251$163$72
34 years$782$533$354$231$148$63
35 years$752$506$331$212$134$55
36 years$723$480$310$196$121$49
37 years$695$456$290$180$110$43
38 years$670$433$272$166$100$38
39 years$645$412$254$153$90$33
40 years$622$392$239$141$82$29
41 years$600$373$224$130$74$25
42 years$579$355$210$120$67$22
43 years$559$338$197$111$61$20
44 years$541$323$185$103$56$17
45 years$523$308$174$95$50$15
46 years$505$294$163$87$46$13
47 years$489$280$153$81$42$12
48 years$473$267$144$75$38$10
49 years$459$255$135$69$34$9
50 years$444$244$127$64$31$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $455,000, adding $3,688 every year, while hoping to spend $46,032 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: 71/20/9 Blend
34$455,000$455,000$455,000$455,000
35$505,214$481,099$474,047$539,993
36$507,768$455,695$440,950$538,083
37$509,040$427,504$405,201$529,969
38$508,850$396,340$366,663$519,834
39$507,000$362,007$325,193$507,465
40$503,267$324,299$280,640$492,634
41$497,407$282,996$232,849$475,087
42$489,148$237,868$181,654$454,549
43$478,188$188,671$126,887$430,716
44$464,193$135,145$68,367$403,257
45$446,793$77,020$5,910$371,807
46$425,580$14,007$0$335,969
47$400,098$0$0$301,138
48$369,847$0$0$273,915
49$334,273$0$0$245,593
50$292,761$0$0$212,611
51$244,633$0$0$174,436
52$189,139$0$0$130,483
53$125,451$0$0$80,100
54$52,652$0$0$22,573
55$0$0$0$0
56$0$0$0$0
57$0$0$0$0
58$0$0$0$0
59$0$0$0$0
60$0$0$0$0
61$0$0$0$0
62$0$0$0$0
63$0$0$0$0
64$0$0$0$0
65$0$0$0$0
66$0$0$0$0
67$0$0$0$0
68$0$0$0$0
69$0$0$0$0
70$0$0$0$0
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0