Can I retire at age 35 with 469,000?

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 $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%12%
1 years$38,730$38,385$38,048$37,720$37,399$37,085
2 years$19,173$18,816$18,470$18,134$17,809$17,493
3 years$12,655$12,296$11,951$11,619$11,299$10,990
4 years$9,397$9,039$8,697$8,371$8,058$7,760
5 years$7,442$7,087$6,750$6,430$6,126$5,838
6 years$6,140$5,787$5,455$5,142$4,847$4,570
7 years$5,210$4,860$4,533$4,227$3,942$3,676
8 years$4,512$4,166$3,844$3,546$3,270$3,015
9 years$3,970$3,627$3,311$3,021$2,754$2,510
10 years$3,537$3,197$2,887$2,604$2,347$2,113
11 years$3,183$2,846$2,541$2,266$2,018$1,796
12 years$2,888$2,555$2,255$1,988$1,749$1,537
13 years$2,638$2,309$2,015$1,755$1,525$1,323
14 years$2,425$2,098$1,811$1,558$1,337$1,145
15 years$2,240$1,917$1,635$1,389$1,177$995
16 years$2,078$1,759$1,482$1,244$1,040$867
17 years$1,935$1,620$1,349$1,118$922$759
18 years$1,809$1,497$1,231$1,007$820$665
19 years$1,696$1,387$1,127$910$731$585
20 years$1,594$1,289$1,034$824$653$515
21 years$1,502$1,201$951$748$584$454
22 years$1,419$1,121$877$680$524$401
23 years$1,343$1,048$810$619$470$355
24 years$1,273$982$749$565$423$314
25 years$1,209$922$693$516$380$278
26 years$1,150$866$643$472$343$247
27 years$1,096$815$597$432$309$219
28 years$1,045$768$555$396$279$194
29 years$998$725$517$363$252$173
30 years$955$684$481$333$227$154
31 years$914$647$449$306$206$137
32 years$876$612$419$281$186$122
33 years$840$580$391$258$168$108
34 years$806$549$365$238$152$96
35 years$775$521$341$219$138$86
36 years$745$495$319$202$125$77
37 years$717$470$299$186$113$68
38 years$690$446$280$171$103$61
39 years$665$425$262$158$93$54
40 years$641$404$246$146$84$48
41 years$619$385$231$134$77$43
42 years$597$366$216$124$70$38
43 years$577$349$203$114$63$34
44 years$557$333$190$106$57$31
45 years$539$317$179$98$52$27
46 years$521$303$168$90$47$24
47 years$504$289$158$83$43$22
48 years$488$276$148$77$39$19
49 years$473$263$139$71$35$17
50 years$458$251$131$66$32$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $469,000, adding $6,150 every year, while hoping to spend $36,753 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: 75/12/13 Blend
34$469,000$469,000$469,000$469,000
35$523,182$498,325$491,055$560,564
36$537,441$483,638$468,401$571,399
37$551,924$466,999$443,755$578,070
38$566,613$448,275$417,014$584,371
39$581,489$427,322$388,066$590,253
40$596,531$403,991$356,796$595,664
41$611,713$378,123$323,085$600,548
42$627,005$349,548$286,805$604,840
43$642,373$318,089$247,827$608,473
44$657,778$283,558$206,012$611,373
45$673,175$245,757$161,217$613,460
46$688,515$204,475$113,294$614,644
47$703,740$159,491$62,086$614,830
48$718,785$110,569$7,429$613,913
49$733,577$57,463$0$611,780
50$748,035$0$0$615,365
51$762,066$0$0$619,044
52$775,567$0$0$629,862
53$788,421$0$0$640,135
54$800,500$0$0$649,756
55$811,658$0$0$658,604
56$821,733$0$0$666,547
57$830,546$0$0$673,433
58$837,895$0$0$679,097
59$843,556$0$0$683,353
60$847,281$0$0$685,996
61$848,793$0$0$686,796
62$847,785$0$0$685,498
63$843,915$0$0$681,821
64$836,804$0$0$675,450
65$826,032$0$0$666,038
66$811,134$0$0$653,199
67$791,593$0$0$636,506
68$766,837$0$0$615,486
69$736,232$0$0$589,615
70$699,078$0$0$558,313
71$654,598$0$0$520,937
72$601,935$0$0$476,777
73$540,137$0$0$425,049
74$468,155$0$0$364,883
75$384,829$0$0$295,319
76$288,874$0$0$215,296
77$178,873$0$0$123,641
78$53,258$0$0$19,058
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