Can I retire at age 35 with 339,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%16.5%
1 years$27,994$27,745$27,502$27,264$27,032$26,315
2 years$13,859$13,600$13,350$13,108$12,873$12,155
3 years$9,147$8,888$8,639$8,398$8,167$7,471
4 years$6,792$6,534$6,287$6,050$5,825$5,156
5 years$5,379$5,122$4,879$4,647$4,428$3,789
6 years$4,438$4,183$3,943$3,717$3,504$2,894
7 years$3,766$3,513$3,276$3,056$2,849$2,270
8 years$3,262$3,011$2,779$2,563$2,364$1,814
9 years$2,870$2,622$2,393$2,183$1,991$1,470
10 years$2,557$2,311$2,086$1,882$1,696$1,204
11 years$2,301$2,057$1,837$1,638$1,459$995
12 years$2,087$1,846$1,630$1,437$1,264$827
13 years$1,907$1,669$1,456$1,268$1,102$691
14 years$1,752$1,517$1,309$1,126$966$580
15 years$1,619$1,386$1,182$1,004$851$489
16 years$1,502$1,271$1,071$899$752$413
17 years$1,399$1,171$975$808$667$350
18 years$1,307$1,082$890$728$593$297
19 years$1,226$1,003$815$658$528$252
20 years$1,152$932$748$596$472$215
21 years$1,086$868$688$541$422$183
22 years$1,025$810$634$492$379$156
23 years$971$758$585$448$340$133
24 years$920$710$541$408$305$114
25 years$874$666$501$373$275$98
26 years$831$626$465$341$248$83
27 years$792$589$432$312$223$71
28 years$756$555$401$286$201$61
29 years$722$524$373$262$182$52
30 years$690$495$348$241$164$45
31 years$661$468$324$221$149$38
32 years$633$442$303$203$134$33
33 years$607$419$283$187$122$28
34 years$583$397$264$172$110$24
35 years$560$377$247$158$100$21
36 years$538$358$231$146$90$18
37 years$518$340$216$134$82$15
38 years$499$323$202$124$74$13
39 years$481$307$190$114$67$11
40 years$463$292$178$105$61$10
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$5
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 $6,254 every year, while hoping to spend $23,491 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: 73/8/19 Blend
34$339,000$339,000$339,000$339,000
35$380,029$362,062$356,808$405,620
36$393,798$354,809$343,766$416,192
37$408,184$346,413$329,501$424,326
38$423,225$336,793$313,946$432,633
39$438,962$325,865$297,031$441,125
40$455,441$313,537$278,686$449,818
41$472,709$299,713$258,836$458,727
42$490,819$284,293$237,400$467,871
43$509,828$267,169$214,299$477,270
44$529,798$248,228$189,445$486,947
45$550,796$227,349$162,750$496,931
46$572,894$204,407$134,119$507,249
47$596,173$179,266$103,456$517,936
48$620,719$151,787$70,658$529,030
49$646,627$121,818$35,620$540,573
50$673,998$89,203$0$552,613
51$702,947$53,775$0$565,563
52$733,594$15,356$0$586,853
53$766,074$0$0$609,347
54$800,533$0$0$635,456
55$837,131$0$0$664,628
56$876,043$0$0$695,654
57$917,460$0$0$728,686
58$961,591$0$0$763,892
59$1,008,666$0$0$801,458
60$1,058,936$0$0$841,584
61$1,112,677$0$0$884,492
62$1,170,189$0$0$930,423
63$1,231,804$0$0$979,645
64$1,297,884$0$0$1,032,449
65$1,368,829$0$0$1,089,154
66$1,445,075$0$0$1,150,112
67$1,527,101$0$0$1,215,709
68$1,615,435$0$0$1,286,368
69$1,710,655$0$0$1,362,553
70$1,813,396$0$0$1,444,776
71$1,924,358$0$0$1,533,598
72$2,044,306$0$0$1,629,635
73$2,174,084$0$0$1,733,566
74$2,314,619$0$0$1,846,136
75$2,466,930$0$0$1,968,164
76$2,632,138$0$0$2,100,551
77$2,811,474$0$0$2,244,288
78$3,006,296$0$0$2,400,465
79$3,218,092$0$0$2,570,280
80$3,448,505$0$0$2,755,054
81$3,699,337$0$0$2,956,236
82$3,972,576$0$0$3,175,424
83$4,270,406$0$0$3,414,375
84$4,595,232$0$0$3,675,023
85$4,949,702$0$0$3,959,498
86$5,336,729$0$0$4,270,142
87$5,759,521$0$0$4,609,536
88$6,221,609$0$0$4,980,518
89$6,726,880$0$0$5,386,216
90$7,279,615$0$0$5,830,073
91$7,884,526$0$0$6,315,878
92$8,546,804$0$0$6,847,806
93$9,272,163$0$0$7,430,454
94$10,066,896$0$0$8,068,883
95$10,937,935$0$0$8,768,669
96$11,892,913$0$0$9,535,951
97$12,940,236$0$0$10,377,491
98$14,089,165$0$0$11,300,737
99$15,349,899$0$0$12,313,894
100$16,733,673$0$0$13,425,999