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%19.8%
1 years$69,284$68,667$68,065$67,477$66,903$64,274
2 years$34,299$33,660$33,041$32,441$31,859$29,242
3 years$22,639$21,997$21,380$20,785$20,212$17,691
4 years$16,810$16,170$15,559$14,975$14,416$12,008
5 years$13,313$12,678$12,074$11,502$10,959$8,671
6 years$10,983$10,352$9,758$9,198$8,671$6,505
7 years$9,320$8,694$8,109$7,562$7,052$5,007
8 years$8,072$7,452$6,877$6,344$5,850$3,924
9 years$7,103$6,489$5,923$5,404$4,927$3,117
10 years$6,327$5,719$5,164$4,658$4,198$2,501
11 years$5,694$5,092$4,546$4,054$3,610$2,022
12 years$5,166$4,570$4,035$3,556$3,129$1,644
13 years$4,720$4,130$3,605$3,139$2,728$1,344
14 years$4,337$3,754$3,239$2,787$2,392$1,103
15 years$4,006$3,429$2,924$2,485$2,106$907
16 years$3,717$3,146$2,651$2,225$1,861$749
17 years$3,462$2,898$2,413$1,999$1,650$619
18 years$3,236$2,678$2,202$1,802$1,467$512
19 years$3,033$2,482$2,016$1,628$1,308$425
20 years$2,851$2,306$1,850$1,475$1,168$353
21 years$2,687$2,148$1,702$1,338$1,045$293
22 years$2,538$2,005$1,569$1,217$937$244
23 years$2,402$1,875$1,448$1,108$841$203
24 years$2,277$1,757$1,339$1,011$756$169
25 years$2,163$1,649$1,241$923$680$141
26 years$2,058$1,550$1,151$844$613$117
27 years$1,960$1,458$1,068$772$552$98
28 years$1,870$1,374$993$708$498$81
29 years$1,786$1,296$924$649$450$68
30 years$1,708$1,224$861$596$407$57
31 years$1,635$1,157$803$547$368$47
32 years$1,567$1,095$749$503$333$39
33 years$1,503$1,037$699$462$301$33
34 years$1,442$983$653$425$273$27
35 years$1,386$932$611$392$247$23
36 years$1,333$885$571$361$224$19
37 years$1,282$840$535$332$203$16
38 years$1,235$799$501$306$184$13
39 years$1,190$760$469$282$167$11
40 years$1,147$723$440$260$151$9
41 years$1,107$688$412$240$137$8
42 years$1,068$655$387$222$124$6
43 years$1,032$624$363$205$113$5
44 years$997$595$341$189$103$4
45 years$964$567$320$175$93$4
46 years$932$541$300$161$84$3
47 years$902$517$282$149$77$3
48 years$873$493$265$138$70$2
49 years$846$471$249$127$63$2
50 years$819$450$234$118$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $839,000, adding $3,086 every year, while hoping to spend $27,469 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: 76/13/11 Blend
34$839,000$839,000$839,000$839,000
35$927,761$883,294$870,290$996,134
36$993,166$897,349$870,218$1,055,658
37$1,064,322$911,171$869,222$1,117,105
38$1,141,785$924,722$867,244$1,183,688
39$1,226,171$937,956$864,220$1,255,910
40$1,318,153$950,829$860,085$1,334,320
41$1,418,475$963,291$854,768$1,419,529
42$1,527,955$975,287$848,199$1,512,204
43$1,647,494$986,763$840,300$1,613,083
44$1,778,081$997,657$830,993$1,722,980
45$1,920,808$1,007,906$820,194$1,842,790
46$2,076,876$1,017,439$807,816$1,973,500
47$2,247,608$1,026,184$793,769$2,116,197
48$2,434,459$1,034,062$777,955$2,272,079
49$2,639,034$1,040,991$760,276$2,442,466
50$2,863,097$1,046,882$740,628$2,628,814
51$3,108,594$1,051,639$718,899$2,832,726
52$3,377,665$1,055,164$694,977$3,055,968
53$3,672,670$1,057,350$668,742$3,300,488
54$3,996,205$1,058,083$640,067$3,568,431
55$4,351,132$1,057,243$608,823$3,862,164
56$4,740,601$1,054,702$574,873$4,184,292
57$5,168,085$1,050,325$538,074$4,537,687
58$5,637,406$1,043,967$498,276$4,925,516
59$6,152,776$1,035,477$455,323$5,351,268
60$6,718,836$1,024,691$409,052$5,818,788
61$7,340,695$1,011,439$359,294$6,332,313
62$8,023,985$995,539$305,869$6,896,515
63$8,774,909$976,797$248,593$7,516,542
64$9,600,300$955,011$187,271$8,198,068
65$10,507,687$929,963$121,701$8,947,344
66$11,505,364$901,424$51,671$9,771,264
67$12,602,470$869,152$0$10,677,422
68$13,809,073$832,892$0$11,676,898
69$15,136,266$792,371$0$12,782,857
70$16,596,270$747,302$0$13,999,427
71$18,202,552$697,382$0$15,337,844
72$19,969,949$642,291$0$16,810,490
73$21,914,808$581,688$0$18,431,011
74$24,055,143$515,215$0$20,214,443
75$26,410,800$442,493$0$22,177,358
76$29,003,649$363,122$0$24,338,016
77$31,857,784$276,678$0$26,716,540
78$34,999,758$182,715$0$29,335,107
79$38,458,827$80,762$0$32,218,154
80$42,267,227$0$0$35,392,613
81$46,460,480$0$0$38,892,408
82$51,077,728$0$0$42,758,841
83$56,162,100$0$0$47,016,482
84$61,761,124$0$0$51,705,134
85$67,927,169$0$0$56,868,657
86$74,717,942$0$0$62,555,382
87$82,197,034$0$0$68,818,565
88$90,434,515$0$0$75,716,893
89$99,507,602$0$0$83,315,034
90$109,501,379$0$0$91,684,248
91$120,509,607$0$0$100,903,061
92$132,635,606$0$0$111,058,004
93$145,993,228$0$0$122,244,430
94$160,707,935$0$0$134,567,415
95$176,917,979$0$0$148,142,748
96$194,775,709$0$0$163,098,021
97$214,449,009$0$0$179,573,842
98$236,122,880$0$0$197,725,150
99$260,001,188$0$0$217,722,687
100$286,308,587$0$0$239,754,605