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%12%
1 years$69,284$68,667$68,065$67,477$66,903$66,342
2 years$34,299$33,660$33,041$32,441$31,859$31,294
3 years$22,639$21,997$21,380$20,785$20,212$19,661
4 years$16,810$16,170$15,559$14,975$14,416$13,881
5 years$13,313$12,678$12,074$11,502$10,959$10,443
6 years$10,983$10,352$9,758$9,198$8,671$8,175
7 years$9,320$8,694$8,109$7,562$7,052$6,576
8 years$8,072$7,452$6,877$6,344$5,850$5,394
9 years$7,103$6,489$5,923$5,404$4,927$4,490
10 years$6,327$5,719$5,164$4,658$4,198$3,780
11 years$5,694$5,092$4,546$4,054$3,610$3,212
12 years$5,166$4,570$4,035$3,556$3,129$2,749
13 years$4,720$4,130$3,605$3,139$2,728$2,367
14 years$4,337$3,754$3,239$2,787$2,392$2,048
15 years$4,006$3,429$2,924$2,485$2,106$1,780
16 years$3,717$3,146$2,651$2,225$1,861$1,552
17 years$3,462$2,898$2,413$1,999$1,650$1,357
18 years$3,236$2,678$2,202$1,802$1,467$1,190
19 years$3,033$2,482$2,016$1,628$1,308$1,046
20 years$2,851$2,306$1,850$1,475$1,168$921
21 years$2,687$2,148$1,702$1,338$1,045$812
22 years$2,538$2,005$1,569$1,217$937$717
23 years$2,402$1,875$1,448$1,108$841$634
24 years$2,277$1,757$1,339$1,011$756$561
25 years$2,163$1,649$1,241$923$680$498
26 years$2,058$1,550$1,151$844$613$441
27 years$1,960$1,458$1,068$772$552$392
28 years$1,870$1,374$993$708$498$348
29 years$1,786$1,296$924$649$450$309
30 years$1,708$1,224$861$596$407$275
31 years$1,635$1,157$803$547$368$245
32 years$1,567$1,095$749$503$333$218
33 years$1,503$1,037$699$462$301$194
34 years$1,442$983$653$425$273$173
35 years$1,386$932$611$392$247$154
36 years$1,333$885$571$361$224$137
37 years$1,282$840$535$332$203$122
38 years$1,235$799$501$306$184$109
39 years$1,190$760$469$282$167$97
40 years$1,147$723$440$260$151$86
41 years$1,107$688$412$240$137$77
42 years$1,068$655$387$222$124$69
43 years$1,032$624$363$205$113$61
44 years$997$595$341$189$103$55
45 years$964$567$320$175$93$49
46 years$932$541$300$161$84$44
47 years$902$517$282$149$77$39
48 years$873$493$265$138$70$35
49 years$846$471$249$127$63$31
50 years$819$450$234$118$57$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $839,000, adding $2,659 every year, while hoping to spend $35,275 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: 56/38/6 Blend
34$839,000$839,000$839,000$839,000
35$927,321$882,854$869,849$977,917
36$984,375$888,581$861,457$1,018,021
37$1,046,067$893,407$851,601$1,057,497
38$1,112,832$897,250$840,196$1,099,618
39$1,185,148$900,023$827,150$1,144,640
40$1,263,544$901,635$812,370$1,192,846
41$1,348,597$901,987$795,757$1,244,549
42$1,440,946$900,976$777,206$1,300,093
43$1,541,289$898,491$756,610$1,359,860
44$1,650,399$894,415$733,854$1,424,273
45$1,769,123$888,625$708,822$1,493,797
46$1,898,394$880,988$681,387$1,568,948
47$2,039,239$871,364$651,422$1,650,297
48$2,192,786$859,606$618,790$1,738,474
49$2,360,280$845,557$583,349$1,834,173
50$2,543,089$829,050$544,952$1,938,164
51$2,742,720$809,909$503,443$2,051,298
52$2,960,830$787,947$458,661$2,174,513
53$3,199,246$762,967$410,438$2,308,848
54$3,459,977$734,760$358,595$2,455,447
55$3,745,236$703,105$302,950$2,615,578
56$4,057,460$667,768$243,309$2,790,639
57$4,399,334$628,501$179,472$2,982,176
58$4,773,810$585,042$111,229$3,191,894
59$5,184,144$537,114$38,360$3,421,678
60$5,633,920$484,426$0$3,673,608
61$6,127,083$426,667$0$3,952,506
62$6,667,983$363,510$0$4,261,171
63$7,261,406$294,611$0$4,599,962
64$7,912,627$219,605$0$4,971,987
65$8,627,455$138,105$0$5,380,679
66$9,412,289$49,706$0$5,829,824
67$10,274,179$0$0$6,323,601
68$11,220,889$0$0$6,885,866
69$12,260,974$0$0$7,526,502
70$13,403,858$0$0$8,230,539
71$14,659,922$0$0$9,004,382
72$16,040,604$0$0$9,855,088
73$17,558,505$0$0$10,790,433
74$19,227,507$0$0$11,818,981
75$21,062,906$0$0$12,950,171
76$23,081,552$0$0$14,194,401
77$25,302,012$0$0$15,563,126
78$27,744,743$0$0$17,068,970
79$30,432,283$0$0$18,725,839
80$33,389,466$0$0$20,549,058
81$36,643,654$0$0$22,555,511
82$40,224,995$0$0$24,763,800
83$44,166,709$0$0$27,194,426
84$48,505,400$0$0$29,869,974
85$53,281,398$0$0$32,815,332
86$58,539,144$0$0$36,057,923
87$64,327,605$0$0$39,627,964
88$70,700,741$0$0$43,558,752
89$77,718,005$0$0$47,886,975
90$85,444,912$0$0$52,653,062
91$93,953,654$0$0$57,901,561
92$103,323,778$0$0$63,681,559
93$113,642,940$0$0$70,047,150
94$125,007,732$0$0$77,057,939
95$137,524,588$0$0$84,779,606
96$151,310,795$0$0$93,284,528
97$166,495,594$0$0$102,652,461
98$183,221,402$0$0$112,971,290
99$201,645,155$0$0$124,337,860
100$221,939,788$0$0$136,858,890