Can I retire at age 35 with 439,000?

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 $439,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$36,252$35,929$35,614$35,307$35,006$34,598
2 years$17,947$17,612$17,288$16,974$16,670$16,258
3 years$11,846$11,510$11,187$10,876$10,576$10,175
4 years$8,796$8,461$8,141$7,835$7,543$7,155
5 years$6,966$6,634$6,318$6,018$5,734$5,360
6 years$5,747$5,417$5,106$4,813$4,537$4,178
7 years$4,876$4,549$4,243$3,957$3,690$3,346
8 years$4,224$3,899$3,598$3,319$3,061$2,732
9 years$3,716$3,395$3,099$2,827$2,578$2,263
10 years$3,311$2,993$2,702$2,437$2,196$1,897
11 years$2,979$2,664$2,379$2,121$1,889$1,603
12 years$2,703$2,391$2,111$1,860$1,637$1,365
13 years$2,469$2,161$1,886$1,643$1,428$1,170
14 years$2,269$1,964$1,695$1,458$1,251$1,007
15 years$2,096$1,794$1,530$1,300$1,102$870
16 years$1,945$1,646$1,387$1,164$974$754
17 years$1,812$1,516$1,262$1,046$863$656
18 years$1,693$1,401$1,152$943$768$572
19 years$1,587$1,298$1,055$852$684$500
20 years$1,492$1,207$968$772$611$438
21 years$1,406$1,124$891$700$547$384
22 years$1,328$1,049$821$637$490$337
23 years$1,257$981$758$580$440$296
24 years$1,192$919$701$529$396$260
25 years$1,132$863$649$483$356$229
26 years$1,077$811$602$442$321$202
27 years$1,026$763$559$404$289$178
28 years$978$719$520$370$261$157
29 years$935$678$484$340$236$139
30 years$894$641$450$312$213$123
31 years$855$606$420$286$192$108
32 years$820$573$392$263$174$96
33 years$786$543$366$242$158$85
34 years$755$514$342$223$143$75
35 years$725$488$320$205$129$66
36 years$697$463$299$189$117$59
37 years$671$440$280$174$106$52
38 years$646$418$262$160$96$46
39 years$622$397$246$148$87$41
40 years$600$378$230$136$79$36
41 years$579$360$216$126$72$32
42 years$559$343$202$116$65$28
43 years$540$327$190$107$59$25
44 years$522$311$178$99$54$22
45 years$504$297$167$91$49$20
46 years$488$283$157$84$44$17
47 years$472$270$148$78$40$15
48 years$457$258$139$72$36$14
49 years$442$246$130$67$33$12
50 years$429$235$123$62$30$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $439,000, adding $3,099 every year, while hoping to spend $35,162 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: 37/37/26 Blend
34$439,000$439,000$439,000$439,000
35$486,975$463,708$456,903$501,106
36$499,234$449,017$434,797$497,085
37$511,565$432,428$410,772$489,295
38$523,939$413,811$384,727$480,194
39$536,320$393,028$356,555$469,687
40$548,672$369,933$326,147$457,671
41$560,948$344,372$293,385$444,039
42$573,101$316,182$258,149$428,674
43$585,075$285,192$220,314$411,452
44$596,805$251,219$179,747$392,243
45$608,221$214,071$136,311$370,905
46$619,244$173,545$89,862$347,290
47$629,784$129,426$40,249$321,236
48$639,741$81,487$0$292,573
49$649,005$29,490$0$264,642
50$657,449$0$0$245,870
51$664,936$0$0$235,838
52$671,310$0$0$237,326
53$676,398$0$0$238,254
54$680,009$0$0$238,544
55$681,928$0$0$238,106
56$681,919$0$0$236,844
57$679,717$0$0$234,649
58$675,031$0$0$231,399
59$667,535$0$0$226,962
60$656,869$0$0$221,189
61$642,635$0$0$213,916
62$624,389$0$0$204,961
63$601,644$0$0$194,123
64$573,856$0$0$181,180
65$540,424$0$0$165,886
66$500,686$0$0$147,967
67$453,907$0$0$127,124
68$399,274$0$0$103,022
69$335,889$0$0$75,294
70$262,759$0$0$43,534
71$178,787$0$0$7,292
72$82,761$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0