Can I retire at age 35 with 399,000?

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 $399,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$32,949$32,656$32,369$32,090$31,817$31,187
2 years$16,311$16,008$15,713$15,428$15,151$14,519
3 years$10,766$10,461$10,167$9,885$9,612$8,998
4 years$7,994$7,690$7,399$7,121$6,856$6,264
5 years$6,331$6,029$5,742$5,470$5,212$4,644
6 years$5,223$4,923$4,641$4,374$4,124$3,581
7 years$4,432$4,135$3,856$3,596$3,354$2,836
8 years$3,839$3,544$3,270$3,017$2,782$2,289
9 years$3,378$3,086$2,817$2,570$2,343$1,874
10 years$3,009$2,720$2,456$2,215$1,996$1,551
11 years$2,708$2,421$2,162$1,928$1,717$1,295
12 years$2,457$2,173$1,919$1,691$1,488$1,089
13 years$2,244$1,964$1,714$1,493$1,297$920
14 years$2,063$1,785$1,540$1,325$1,137$782
15 years$1,905$1,631$1,391$1,182$1,001$666
16 years$1,768$1,496$1,261$1,058$885$570
17 years$1,646$1,378$1,147$951$785$489
18 years$1,539$1,273$1,047$857$698$420
19 years$1,443$1,180$959$774$622$361
20 years$1,356$1,097$880$701$556$312
21 years$1,278$1,021$809$636$497$269
22 years$1,207$954$746$579$446$233
23 years$1,142$892$689$527$400$201
24 years$1,083$836$637$481$360$174
25 years$1,029$784$590$439$324$151
26 years$979$737$547$401$291$131
27 years$932$694$508$367$263$114
28 years$889$654$472$337$237$99
29 years$849$617$440$309$214$86
30 years$812$582$409$283$193$75
31 years$777$550$382$260$175$65
32 years$745$521$356$239$158$56
33 years$715$493$333$220$143$49
34 years$686$467$311$202$130$43
35 years$659$443$290$186$117$37
36 years$634$421$272$172$106$32
37 years$610$400$254$158$96$28
38 years$587$380$238$146$87$24
39 years$566$361$223$134$79$21
40 years$545$344$209$124$72$19
41 years$526$327$196$114$65$16
42 years$508$312$184$105$59$14
43 years$491$297$173$97$54$12
44 years$474$283$162$90$49$11
45 years$458$270$152$83$44$9
46 years$443$257$143$77$40$8
47 years$429$246$134$71$36$7
48 years$415$234$126$65$33$6
49 years$402$224$119$61$30$5
50 years$390$214$111$56$27$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $399,000, adding $6,987 every year, while hoping to spend $23,273 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: 63/9/28 Blend
34$399,000$399,000$399,000$399,000
35$446,905$425,758$419,574$471,318
36$467,727$421,858$408,867$484,802
37$489,893$416,987$397,022$496,365
38$513,515$411,072$383,975$508,493
39$538,717$404,038$369,661$521,249
40$565,633$395,803$354,012$534,696
41$594,412$386,281$336,956$548,910
42$625,215$375,382$318,417$563,973
43$658,221$363,010$298,318$579,976
44$693,624$349,062$276,576$597,023
45$731,638$333,431$253,106$615,225
46$772,499$316,002$227,819$634,711
47$816,464$296,657$200,621$655,620
48$863,816$275,266$171,415$678,109
49$914,867$251,695$140,098$702,352
50$969,957$225,802$106,565$728,542
51$1,029,463$197,436$70,705$756,893
52$1,093,795$166,438$32,401$787,643
53$1,163,409$132,640$0$821,055
54$1,238,802$95,865$0$859,956
55$1,320,521$55,924$0$912,632
56$1,409,170$12,620$0$969,792
57$1,505,411$0$0$1,031,876
58$1,609,972$0$0$1,102,761
59$1,723,656$0$0$1,181,215
60$1,847,343$0$0$1,266,599
61$1,982,004$0$0$1,359,587
62$2,128,707$0$0$1,460,919
63$2,288,627$0$0$1,571,411
64$2,463,056$0$0$1,691,959
65$2,653,418$0$0$1,823,552
66$2,861,280$0$0$1,967,276
67$3,088,366$0$0$2,124,328
68$3,336,575$0$0$2,296,026
69$3,607,997$0$0$2,483,820
70$3,904,933$0$0$2,689,307
71$4,229,918$0$0$2,914,246
72$4,585,741$0$0$3,160,574
73$4,975,476$0$0$3,430,423
74$5,402,507$0$0$3,726,142
75$5,870,561$0$0$4,050,318
76$6,383,741$0$0$4,405,799
77$6,946,568$0$0$4,795,723
78$7,564,022$0$0$5,223,547
79$8,241,587$0$0$5,693,075
80$8,985,304$0$0$6,208,503
81$9,801,827$0$0$6,774,449
82$10,698,485$0$0$7,396,000
83$11,683,354$0$0$8,078,762
84$12,765,329$0$0$8,828,910
85$13,954,209$0$0$9,653,245
86$15,260,790$0$0$10,559,261
87$16,696,964$0$0$11,555,215
88$18,275,835$0$0$12,650,202
89$20,011,837$0$0$13,854,243
90$21,920,875$0$0$15,178,378
91$24,020,472$0$0$16,634,771
92$26,329,934$0$0$18,236,825
93$28,870,531$0$0$19,999,305
94$31,665,699$0$0$21,938,482
95$34,741,262$0$0$24,072,281
96$38,125,670$0$0$26,420,453
97$41,850,272$0$0$29,004,763
98$45,949,612$0$0$31,849,189
99$50,461,748$0$0$34,980,153
100$55,428,619$0$0$38,426,770