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%16.4%
1 years$32,288$32,001$31,720$31,446$31,179$30,364
2 years$15,984$15,687$15,398$15,118$14,847$14,031
3 years$10,550$10,251$9,964$9,687$9,420$8,629
4 years$7,834$7,536$7,251$6,979$6,718$5,958
5 years$6,204$5,908$5,627$5,360$5,107$4,380
6 years$5,119$4,825$4,547$4,287$4,041$3,348
7 years$4,343$4,052$3,779$3,524$3,286$2,628
8 years$3,762$3,473$3,205$2,956$2,726$2,101
9 years$3,310$3,024$2,760$2,518$2,296$1,704
10 years$2,949$2,665$2,407$2,171$1,956$1,396
11 years$2,653$2,373$2,119$1,889$1,683$1,154
12 years$2,407$2,130$1,880$1,657$1,458$960
13 years$2,199$1,925$1,680$1,463$1,271$803
14 years$2,021$1,749$1,509$1,299$1,115$675
15 years$1,867$1,598$1,363$1,158$981$569
16 years$1,732$1,466$1,236$1,037$867$481
17 years$1,613$1,350$1,124$932$769$408
18 years$1,508$1,248$1,026$840$684$346
19 years$1,414$1,156$940$759$609$294
20 years$1,329$1,075$862$687$544$251
21 years$1,252$1,001$793$624$487$214
22 years$1,183$934$731$567$437$183
23 years$1,119$874$675$516$392$156
24 years$1,061$819$624$471$352$134
25 years$1,008$768$578$430$317$114
26 years$959$722$536$393$286$98
27 years$914$680$498$360$257$84
28 years$871$640$463$330$232$72
29 years$832$604$431$302$210$62
30 years$796$571$401$278$190$53
31 years$762$539$374$255$171$45
32 years$730$510$349$234$155$39
33 years$700$483$326$215$140$33
34 years$672$458$304$198$127$29
35 years$646$434$285$182$115$25
36 years$621$412$266$168$104$21
37 years$598$392$249$155$94$18
38 years$575$372$233$143$86$16
39 years$554$354$219$132$78$13
40 years$535$337$205$121$70$11
41 years$516$321$192$112$64$10
42 years$498$305$180$103$58$8
43 years$481$291$169$95$53$7
44 years$465$277$159$88$48$6
45 years$449$264$149$81$43$5
46 years$434$252$140$75$39$5
47 years$420$241$132$69$36$4
48 years$407$230$124$64$32$3
49 years$394$219$116$59$29$3
50 years$382$210$109$55$27$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $391,000, adding $4,419 every year, while hoping to spend $21,986 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: 47/37/16 Blend
34$391,000$391,000$391,000$391,000
35$435,440$414,717$408,657$453,746
36$456,462$411,645$398,954$463,834
37$478,891$407,686$388,189$472,187
38$502,849$402,773$376,303$480,777
39$528,465$396,835$363,236$489,635
40$555,886$389,797$348,921$498,797
41$585,269$381,580$333,293$508,302
42$616,790$372,100$316,281$518,196
43$650,637$361,268$297,812$528,532
44$687,022$348,990$277,808$539,369
45$726,173$335,166$256,190$550,774
46$768,344$319,690$232,873$562,824
47$813,811$302,451$207,770$575,603
48$862,879$283,331$180,791$589,209
49$915,884$262,204$151,838$603,751
50$973,192$238,940$120,812$619,352
51$1,035,207$213,399$87,609$636,150
52$1,102,375$185,432$52,121$654,299
53$1,175,184$154,885$14,234$673,975
54$1,254,171$121,592$0$695,372
55$1,339,927$85,381$0$723,180
56$1,433,102$46,066$0$756,055
57$1,534,410$3,455$0$791,859
58$1,644,638$0$0$830,920
59$1,764,652$0$0$890,970
60$1,895,403$0$0$957,967
61$2,037,940$0$0$1,031,045
62$2,193,415$0$0$1,110,800
63$2,363,099$0$0$1,197,890
64$2,548,388$0$0$1,293,038
65$2,750,820$0$0$1,397,040
66$2,972,089$0$0$1,510,770
67$3,214,059$0$0$1,635,196
68$3,478,783$0$0$1,771,378
69$3,768,520$0$0$1,920,486
70$4,085,760$0$0$2,083,809
71$4,433,244$0$0$2,262,765
72$4,813,989$0$0$2,458,916
73$5,231,319$0$0$2,673,983
74$5,688,896$0$0$2,909,862
75$6,190,751$0$0$3,168,638
76$6,741,325$0$0$3,452,612
77$7,345,510$0$0$3,764,315
78$8,008,694$0$0$4,106,538
79$8,736,812$0$0$4,482,352
80$9,536,401$0$0$4,895,144
81$10,414,665$0$0$5,348,641
82$11,379,536$0$0$5,846,952
83$12,439,755$0$0$6,394,603
84$13,604,951$0$0$6,996,578
85$14,885,731$0$0$7,658,372
86$16,293,783$0$0$8,386,034
87$17,841,982$0$0$9,186,234
88$19,544,514$0$0$10,066,316
89$21,417,007$0$0$11,034,373
90$23,476,682$0$0$12,099,323
91$25,742,511$0$0$13,270,990
92$28,235,397$0$0$14,560,200
93$30,978,372$0$0$15,978,879
94$33,996,815$0$0$17,540,170
95$37,318,686$0$0$19,258,554
96$40,974,795$0$0$21,149,985
97$44,999,090$0$0$23,232,045
98$49,428,976$0$0$25,524,104
99$54,305,670$0$0$28,047,509
100$59,674,587$0$0$30,825,780