Can I retire at age 35 with 939,000?

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 $939,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$77,542$76,851$76,177$75,519$74,877$73,789
2 years$38,387$37,672$36,979$36,307$35,656$34,561
3 years$25,337$24,619$23,928$23,263$22,622$21,555
4 years$18,813$18,098$17,413$16,759$16,134$15,104
5 years$14,900$14,189$13,514$12,873$12,265$11,274
6 years$12,292$11,586$10,921$10,294$9,705$8,755
7 years$10,430$9,730$9,075$8,464$7,892$6,983
8 years$9,034$8,340$7,697$7,100$6,548$5,679
9 years$7,949$7,262$6,629$6,048$5,514$4,686
10 years$7,082$6,401$5,779$5,213$4,698$3,910
11 years$6,372$5,698$5,088$4,537$4,041$3,291
12 years$5,781$5,115$4,516$3,979$3,502$2,790
13 years$5,282$4,622$4,034$3,513$3,053$2,379
14 years$4,854$4,201$3,625$3,119$2,677$2,038
15 years$4,484$3,838$3,273$2,781$2,357$1,753
16 years$4,160$3,521$2,967$2,490$2,083$1,513
17 years$3,875$3,243$2,700$2,238$1,847$1,309
18 years$3,621$2,997$2,465$2,017$1,642$1,136
19 years$3,395$2,777$2,256$1,822$1,464$987
20 years$3,191$2,581$2,071$1,650$1,307$860
21 years$3,007$2,404$1,905$1,498$1,170$750
22 years$2,840$2,244$1,756$1,362$1,049$655
23 years$2,688$2,099$1,621$1,240$941$572
24 years$2,549$1,966$1,499$1,131$846$501
25 years$2,421$1,845$1,388$1,033$761$439
26 years$2,303$1,734$1,288$945$686$384
27 years$2,194$1,632$1,196$865$618$337
28 years$2,093$1,538$1,112$792$558$296
29 years$1,999$1,451$1,034$726$504$260
30 years$1,911$1,370$964$667$455$228
31 years$1,830$1,295$898$612$412$200
32 years$1,753$1,226$838$563$372$176
33 years$1,682$1,161$783$517$337$155
34 years$1,614$1,100$731$476$305$136
35 years$1,551$1,043$684$438$276$120
36 years$1,491$990$639$404$250$105
37 years$1,435$941$599$372$227$93
38 years$1,382$894$561$343$206$82
39 years$1,331$850$525$316$187$72
40 years$1,284$809$492$292$169$63
41 years$1,238$770$462$269$153$56
42 years$1,195$733$433$248$139$49
43 years$1,155$699$406$229$126$43
44 years$1,116$666$381$212$115$38
45 years$1,079$635$358$195$104$33
46 years$1,043$606$336$180$95$29
47 years$1,009$578$316$167$86$26
48 years$977$552$297$154$78$23
49 years$946$527$279$142$71$20
50 years$917$503$262$132$64$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $939,000, adding $6,896 every year, while hoping to spend $29,279 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: 46/26/28 Blend
34$939,000$939,000$939,000$939,000
35$1,041,891$992,124$977,570$1,081,145
36$1,117,011$1,009,586$979,166$1,127,092
37$1,198,813$1,026,921$979,834$1,173,548
38$1,287,945$1,044,094$979,512$1,223,391
39$1,385,126$1,061,065$978,135$1,276,956
40$1,491,141$1,077,790$975,636$1,334,610
41$1,606,859$1,094,223$971,941$1,396,760
42$1,733,235$1,110,316$966,977$1,463,854
43$1,871,319$1,126,016$960,665$1,536,388
44$2,022,268$1,141,265$952,922$1,614,910
45$2,187,356$1,156,004$943,662$1,700,023
46$2,367,987$1,170,168$932,794$1,792,396
47$2,565,703$1,183,688$920,224$1,892,765
48$2,782,206$1,196,490$905,853$2,001,943
49$3,019,368$1,208,495$889,577$2,120,828
50$3,279,253$1,219,621$871,287$2,250,411
51$3,564,131$1,229,776$850,869$2,391,788
52$3,876,504$1,238,867$828,205$2,546,164
53$4,219,127$1,246,791$803,169$2,714,875
54$4,595,035$1,253,441$775,633$2,899,390
55$5,007,571$1,258,702$745,458$3,101,334
56$5,460,416$1,262,451$712,505$3,322,499
57$5,957,627$1,264,560$676,622$3,564,863
58$6,503,672$1,264,890$637,655$3,830,607
59$7,103,471$1,263,294$595,442$4,122,140
60$7,762,447$1,259,618$549,811$4,442,120
61$8,486,574$1,253,696$500,586$4,793,477
62$9,282,430$1,245,353$447,582$5,179,445
63$10,157,266$1,234,403$390,604$5,603,594
64$11,119,068$1,220,649$329,450$6,069,859
65$12,176,635$1,203,883$263,909$6,582,584
66$13,339,662$1,183,884$193,760$7,146,557
67$14,618,829$1,160,416$118,773$7,767,064
68$16,025,905$1,133,232$38,707$8,449,933
69$17,573,855$1,102,068$0$9,201,591
70$19,276,966$1,066,646$0$10,043,093
71$21,150,976$1,026,672$0$10,981,543
72$23,213,231$981,834$0$12,014,072
73$25,482,838$931,802$0$13,150,275
74$27,980,854$876,226$0$14,400,730
75$30,730,478$814,739$0$15,777,097
76$33,757,275$746,949$0$17,292,227
77$37,089,412$672,444$0$18,960,286
78$40,757,927$590,790$0$20,796,888
79$44,797,021$501,523$0$22,819,244
80$49,244,379$404,160$0$25,046,323
81$54,141,526$298,184$0$27,499,035
82$59,534,220$183,053$0$30,200,425
83$65,472,881$58,194$0$33,175,897
84$72,013,071$0$0$36,453,449
85$79,216,012$0$0$40,085,970
86$87,149,167$0$0$44,105,233
87$95,886,878$0$0$48,532,272
88$105,511,063$0$0$53,408,611
89$116,111,991$0$0$58,780,006
90$127,789,137$0$0$64,696,881
91$140,652,114$0$0$71,214,799
92$154,821,712$0$0$78,394,987
93$170,431,035$0$0$86,304,918
94$187,626,762$0$0$95,018,941
95$206,570,523$0$0$104,618,989
96$227,440,431$0$0$115,195,347
97$250,432,761$0$0$126,847,508
98$275,763,800$0$0$139,685,110
99$303,671,894$0$0$153,828,970
100$334,419,688$0$0$169,412,228