Can I retire at age 35 with 339,000?

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 $339,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$27,994$27,745$27,502$27,264$27,032$26,294
2 years$13,859$13,600$13,350$13,108$12,873$12,134
3 years$9,147$8,888$8,639$8,398$8,167$7,451
4 years$6,792$6,534$6,287$6,050$5,825$5,137
5 years$5,379$5,122$4,879$4,647$4,428$3,771
6 years$4,438$4,183$3,943$3,717$3,504$2,878
7 years$3,766$3,513$3,276$3,056$2,849$2,254
8 years$3,262$3,011$2,779$2,563$2,364$1,800
9 years$2,870$2,622$2,393$2,183$1,991$1,457
10 years$2,557$2,311$2,086$1,882$1,696$1,192
11 years$2,301$2,057$1,837$1,638$1,459$983
12 years$2,087$1,846$1,630$1,437$1,264$816
13 years$1,907$1,669$1,456$1,268$1,102$681
14 years$1,752$1,517$1,309$1,126$966$571
15 years$1,619$1,386$1,182$1,004$851$480
16 years$1,502$1,271$1,071$899$752$405
17 years$1,399$1,171$975$808$667$343
18 years$1,307$1,082$890$728$593$290
19 years$1,226$1,003$815$658$528$247
20 years$1,152$932$748$596$472$210
21 years$1,086$868$688$541$422$178
22 years$1,025$810$634$492$379$152
23 years$971$758$585$448$340$130
24 years$920$710$541$408$305$111
25 years$874$666$501$373$275$94
26 years$831$626$465$341$248$81
27 years$792$589$432$312$223$69
28 years$756$555$401$286$201$59
29 years$722$524$373$262$182$50
30 years$690$495$348$241$164$43
31 years$661$468$324$221$149$37
32 years$633$442$303$203$134$32
33 years$607$419$283$187$122$27
34 years$583$397$264$172$110$23
35 years$560$377$247$158$100$20
36 years$538$358$231$146$90$17
37 years$518$340$216$134$82$15
38 years$499$323$202$124$74$12
39 years$481$307$190$114$67$11
40 years$463$292$178$105$61$9
41 years$447$278$167$97$55$8
42 years$432$265$156$90$50$7
43 years$417$252$147$83$46$6
44 years$403$240$138$76$41$5
45 years$389$229$129$71$38$4
46 years$377$219$121$65$34$4
47 years$364$209$114$60$31$3
48 years$353$199$107$56$28$3
49 years$342$190$101$51$26$2
50 years$331$182$95$48$23$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $339,000, adding $5,033 every year, while hoping to spend $24,499 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: 51/27/22 Blend
34$339,000$339,000$339,000$339,000
35$378,770$360,803$355,548$395,530
36$391,337$352,415$341,392$399,269
37$404,366$342,796$325,941$400,413
38$417,876$331,858$309,125$401,147
39$431,891$319,510$290,872$401,440
40$446,435$305,657$271,107$401,261
41$461,532$290,195$249,750$400,578
42$477,210$273,016$226,718$399,357
43$493,498$254,007$201,926$397,562
44$510,428$233,046$175,284$395,157
45$528,032$210,006$146,696$392,101
46$546,346$184,751$116,065$388,356
47$565,409$157,139$83,289$383,877
48$585,261$127,019$48,259$378,623
49$605,946$94,232$10,865$372,547
50$627,513$58,610$0$365,601
51$650,012$19,974$0$364,554
52$673,498$0$0$365,702
53$698,032$0$0$372,965
54$723,676$0$0$386,768
55$750,501$0$0$401,216
56$778,583$0$0$416,350
57$808,002$0$0$432,216
58$838,846$0$0$448,861
59$871,213$0$0$466,340
60$905,205$0$0$484,710
61$940,935$0$0$504,035
62$978,528$0$0$524,381
63$1,018,115$0$0$545,825
64$1,059,844$0$0$568,447
65$1,103,872$0$0$592,334
66$1,150,373$0$0$617,585
67$1,199,535$0$0$644,303
68$1,251,563$0$0$672,603
69$1,306,684$0$0$702,612
70$1,365,142$0$0$734,466
71$1,427,205$0$0$768,314
72$1,493,168$0$0$804,322
73$1,563,351$0$0$842,668
74$1,638,106$0$0$883,549
75$1,717,818$0$0$927,180
76$1,802,909$0$0$973,797
77$1,893,839$0$0$1,023,658
78$1,991,116$0$0$1,077,047
79$2,095,294$0$0$1,134,274
80$2,206,983$0$0$1,195,681
81$2,326,850$0$0$1,261,641
82$2,455,628$0$0$1,332,565
83$2,594,122$0$0$1,408,904
84$2,743,215$0$0$1,491,152
85$2,903,877$0$0$1,579,854
86$3,077,174$0$0$1,675,606
87$3,264,275$0$0$1,779,065
88$3,466,468$0$0$1,890,952
89$3,685,165$0$0$2,012,060
90$3,921,920$0$0$2,143,261
91$4,178,442$0$0$2,285,512
92$4,456,608$0$0$2,439,867
93$4,758,484$0$0$2,607,485
94$5,086,342$0$0$2,789,641
95$5,442,679$0$0$2,987,736
96$5,830,246$0$0$3,203,315
97$6,252,065$0$0$3,438,073
98$6,711,464$0$0$3,693,880
99$7,212,105$0$0$3,972,790
100$7,758,017$0$0$4,277,066