Can I retire at age 35 with 839,000?

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 $839,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$69,284$68,667$68,065$67,477$66,903$64,891
2 years$34,299$33,660$33,041$32,441$31,859$29,849
3 years$22,639$21,997$21,380$20,785$20,212$18,268
4 years$16,810$16,170$15,559$14,975$14,416$12,551
5 years$13,313$12,678$12,074$11,502$10,959$9,178
6 years$10,983$10,352$9,758$9,198$8,671$6,977
7 years$9,320$8,694$8,109$7,562$7,052$5,445
8 years$8,072$7,452$6,877$6,344$5,850$4,328
9 years$7,103$6,489$5,923$5,404$4,927$3,489
10 years$6,327$5,719$5,164$4,658$4,198$2,841
11 years$5,694$5,092$4,546$4,054$3,610$2,333
12 years$5,166$4,570$4,035$3,556$3,129$1,928
13 years$4,720$4,130$3,605$3,139$2,728$1,602
14 years$4,337$3,754$3,239$2,787$2,392$1,336
15 years$4,006$3,429$2,924$2,485$2,106$1,119
16 years$3,717$3,146$2,651$2,225$1,861$939
17 years$3,462$2,898$2,413$1,999$1,650$790
18 years$3,236$2,678$2,202$1,802$1,467$666
19 years$3,033$2,482$2,016$1,628$1,308$563
20 years$2,851$2,306$1,850$1,475$1,168$476
21 years$2,687$2,148$1,702$1,338$1,045$403
22 years$2,538$2,005$1,569$1,217$937$341
23 years$2,402$1,875$1,448$1,108$841$289
24 years$2,277$1,757$1,339$1,011$756$245
25 years$2,163$1,649$1,241$923$680$208
26 years$2,058$1,550$1,151$844$613$177
27 years$1,960$1,458$1,068$772$552$150
28 years$1,870$1,374$993$708$498$128
29 years$1,786$1,296$924$649$450$109
30 years$1,708$1,224$861$596$407$93
31 years$1,635$1,157$803$547$368$79
32 years$1,567$1,095$749$503$333$67
33 years$1,503$1,037$699$462$301$57
34 years$1,442$983$653$425$273$49
35 years$1,386$932$611$392$247$41
36 years$1,333$885$571$361$224$35
37 years$1,282$840$535$332$203$30
38 years$1,235$799$501$306$184$25
39 years$1,190$760$469$282$167$22
40 years$1,147$723$440$260$151$18
41 years$1,107$688$412$240$137$16
42 years$1,068$655$387$222$124$13
43 years$1,032$624$363$205$113$11
44 years$997$595$341$189$103$10
45 years$964$567$320$175$93$8
46 years$932$541$300$161$84$7
47 years$902$517$282$149$77$6
48 years$873$493$265$138$70$5
49 years$846$471$249$127$63$4
50 years$819$450$234$118$57$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $839,000, adding $6,153 every year, while hoping to spend $22,385 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: 53/28/19 Blend
34$839,000$839,000$839,000$839,000
35$930,925$886,458$873,453$975,131
36$1,002,062$906,077$878,897$1,025,747
37$1,079,704$925,907$883,772$1,077,933
38$1,164,492$945,935$888,037$1,134,232
39$1,257,131$966,146$891,646$1,195,042
40$1,358,395$986,523$894,553$1,260,804
41$1,469,139$1,007,051$896,708$1,332,000
42$1,590,302$1,027,707$898,059$1,409,164
43$1,722,920$1,048,473$898,551$1,492,884
44$1,868,134$1,069,323$898,128$1,583,808
45$2,027,197$1,090,234$896,729$1,682,649
46$2,201,494$1,111,177$894,292$1,790,195
47$2,392,545$1,132,124$890,750$1,907,313
48$2,602,028$1,153,042$886,034$2,034,960
49$2,831,790$1,173,896$880,071$2,174,190
50$3,083,866$1,194,650$872,786$2,326,166
51$3,360,494$1,215,262$864,099$2,492,168
52$3,664,144$1,235,689$853,925$2,673,608
53$3,997,534$1,255,885$842,179$2,872,045
54$4,363,659$1,275,800$828,768$3,089,194
55$4,765,817$1,295,379$813,597$3,326,947
56$5,207,643$1,314,565$796,565$3,587,391
57$5,693,140$1,333,297$777,568$3,872,826
58$6,226,719$1,351,507$756,495$4,185,785
59$6,813,239$1,369,125$733,232$4,529,064
60$7,458,052$1,386,075$707,658$4,905,744
61$8,167,057$1,402,276$679,648$5,319,222
62$8,946,752$1,417,643$649,071$5,773,240
63$9,804,295$1,432,082$615,790$6,271,927
64$10,747,574$1,445,495$579,660$6,819,832
65$11,785,280$1,457,777$540,532$7,421,971
66$12,926,987$1,468,817$498,248$8,083,873
67$14,183,246$1,478,496$452,646$8,811,633
68$15,565,682$1,486,687$403,554$9,611,970
69$17,087,102$1,493,255$350,794$10,492,289
70$18,761,619$1,498,057$294,178$11,460,756
71$20,604,783$1,500,940$233,512$12,526,368
72$22,633,728$1,501,744$168,592$13,699,047
73$24,867,335$1,500,296$99,206$14,989,726
74$27,326,405$1,496,413$25,132$16,410,460
75$30,033,863$1,489,901$0$17,974,535
76$33,014,967$1,480,556$0$19,707,526
77$36,297,550$1,468,159$0$21,620,793
78$39,912,280$1,452,479$0$23,727,079
79$43,892,952$1,433,271$0$26,046,052
80$48,276,806$1,410,274$0$28,599,383
81$53,104,877$1,383,214$0$31,410,959
82$58,422,382$1,351,798$0$34,507,103
83$64,279,147$1,315,719$0$37,916,826
84$70,730,080$1,274,649$0$41,672,101
85$77,835,683$1,228,242$0$45,808,163
86$85,662,628$1,176,131$0$50,363,843
87$94,284,385$1,117,930$0$55,381,939
88$103,781,912$1,053,229$0$60,909,615
89$114,244,423$981,593$0$66,998,849
90$125,770,229$902,565$0$73,706,924
91$138,467,662$815,661$0$81,096,972
92$152,456,102$720,367$0$89,238,566
93$167,867,103$616,143$0$98,208,381
94$184,845,631$502,418$0$108,090,920
95$203,551,435$378,586$0$118,979,306
96$224,160,555$244,011$0$130,976,170
97$246,866,982$98,018$0$144,194,615
98$271,884,489$0$0$158,759,288
99$299,448,650$0$0$174,826,077
100$329,819,061$0$0$192,562,017