Can I retire at age 35 with 391,000?

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 $391,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$32,288$32,001$31,720$31,446$31,179$30,302
2 years$15,984$15,687$15,398$15,118$14,847$13,971
3 years$10,550$10,251$9,964$9,687$9,420$8,571
4 years$7,834$7,536$7,251$6,979$6,718$5,903
5 years$6,204$5,908$5,627$5,360$5,107$4,329
6 years$5,119$4,825$4,547$4,287$4,041$3,300
7 years$4,343$4,052$3,779$3,524$3,286$2,582
8 years$3,762$3,473$3,205$2,956$2,726$2,059
9 years$3,310$3,024$2,760$2,518$2,296$1,664
10 years$2,949$2,665$2,407$2,171$1,956$1,360
11 years$2,653$2,373$2,119$1,889$1,683$1,120
12 years$2,407$2,130$1,880$1,657$1,458$929
13 years$2,199$1,925$1,680$1,463$1,271$774
14 years$2,021$1,749$1,509$1,299$1,115$648
15 years$1,867$1,598$1,363$1,158$981$545
16 years$1,732$1,466$1,236$1,037$867$459
17 years$1,613$1,350$1,124$932$769$387
18 years$1,508$1,248$1,026$840$684$328
19 years$1,414$1,156$940$759$609$278
20 years$1,329$1,075$862$687$544$236
21 years$1,252$1,001$793$624$487$200
22 years$1,183$934$731$567$437$170
23 years$1,119$874$675$516$392$145
24 years$1,061$819$624$471$352$124
25 years$1,008$768$578$430$317$105
26 years$959$722$536$393$286$90
27 years$914$680$498$360$257$77
28 years$871$640$463$330$232$65
29 years$832$604$431$302$210$56
30 years$796$571$401$278$190$48
31 years$762$539$374$255$171$41
32 years$730$510$349$234$155$35
33 years$700$483$326$215$140$30
34 years$672$458$304$198$127$25
35 years$646$434$285$182$115$22
36 years$621$412$266$168$104$19
37 years$598$392$249$155$94$16
38 years$575$372$233$143$86$14
39 years$554$354$219$132$78$12
40 years$535$337$205$121$70$10
41 years$516$321$192$112$64$9
42 years$498$305$180$103$58$7
43 years$481$291$169$95$53$6
44 years$465$277$159$88$48$5
45 years$449$264$149$81$43$5
46 years$434$252$140$75$39$4
47 years$420$241$132$69$36$3
48 years$407$230$124$64$32$3
49 years$394$219$116$59$29$2
50 years$382$210$109$55$27$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $391,000, adding $5,865 every year, while hoping to spend $22,400 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: 73/14/13 Blend
34$391,000$391,000$391,000$391,000
35$436,932$416,209$410,148$467,206
36$457,665$412,770$400,055$484,584
37$479,763$408,411$388,872$500,283
38$503,340$403,065$376,541$516,874
39$528,524$396,657$362,998$534,441
40$555,452$389,112$348,177$553,075
41$584,277$380,348$332,010$572,877
42$615,165$370,277$314,424$593,958
43$648,299$358,808$295,345$616,444
44$683,881$345,845$274,694$640,469
45$722,130$331,284$252,389$666,186
46$763,287$315,017$228,344$693,761
47$807,619$296,929$202,471$723,379
48$855,417$276,900$174,674$755,245
49$907,001$254,799$144,857$789,584
50$962,723$230,492$112,917$826,645
51$1,022,969$203,835$78,749$866,705
52$1,088,165$174,676$42,240$910,068
53$1,158,778$142,856$3,276$957,070
54$1,235,322$108,204$0$1,008,085
55$1,318,361$70,542$0$1,068,837
56$1,408,517$29,682$0$1,135,297
57$1,506,473$0$0$1,207,531
58$1,612,980$0$0$1,288,358
59$1,728,866$0$0$1,381,292
60$1,855,039$0$0$1,482,495
61$1,992,503$0$0$1,592,769
62$2,142,357$0$0$1,713,002
63$2,305,815$0$0$1,844,169
64$2,484,211$0$0$1,987,342
65$2,679,014$0$0$2,143,704
66$2,891,842$0$0$2,314,555
67$3,124,475$0$0$2,501,326
68$3,378,873$0$0$2,705,595
69$3,657,194$0$0$2,929,097
70$3,961,814$0$0$3,173,744
71$4,295,351$0$0$3,441,639
72$4,660,686$0$0$3,735,102
73$5,060,992$0$0$4,056,683
74$5,499,764$0$0$4,409,195
75$5,980,851$0$0$4,795,734
76$6,508,492$0$0$5,219,708
77$7,087,357$0$0$5,684,874
78$7,722,589$0$0$6,195,369
79$8,419,852$0$0$6,755,749
80$9,185,387$0$0$7,371,035
81$10,026,069$0$0$8,046,755
82$10,949,468$0$0$8,789,000
83$11,963,928$0$0$9,604,481
84$13,078,638$0$0$10,500,590
85$14,303,721$0$0$11,485,470
86$15,650,331$0$0$12,568,093
87$17,130,756$0$0$13,758,343
88$18,758,533$0$0$15,067,111
89$20,548,577$0$0$16,506,393
90$22,517,321$0$0$18,089,409
91$24,682,869$0$0$19,830,722
92$27,065,170$0$0$21,746,380
93$29,686,202$0$0$23,854,062
94$32,570,182$0$0$26,173,248
95$35,743,791$0$0$28,725,403
96$39,236,429$0$0$31,534,175
97$43,080,489$0$0$34,625,624
98$47,311,665$0$0$38,028,462
99$51,969,284$0$0$41,774,327
100$57,096,684$0$0$45,898,079