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%12.1%
1 years$77,542$76,851$76,177$75,519$74,877$74,219
2 years$38,387$37,672$36,979$36,307$35,656$34,992
3 years$25,337$24,619$23,928$23,263$22,622$21,974
4 years$18,813$18,098$17,413$16,759$16,134$15,506
5 years$14,900$14,189$13,514$12,873$12,265$11,660
6 years$12,292$11,586$10,921$10,294$9,705$9,123
7 years$10,430$9,730$9,075$8,464$7,892$7,334
8 years$9,034$8,340$7,697$7,100$6,548$6,012
9 years$7,949$7,262$6,629$6,048$5,514$5,002
10 years$7,082$6,401$5,779$5,213$4,698$4,209
11 years$6,372$5,698$5,088$4,537$4,041$3,574
12 years$5,781$5,115$4,516$3,979$3,502$3,057
13 years$5,282$4,622$4,034$3,513$3,053$2,630
14 years$4,854$4,201$3,625$3,119$2,677$2,274
15 years$4,484$3,838$3,273$2,781$2,357$1,975
16 years$4,160$3,521$2,967$2,490$2,083$1,721
17 years$3,875$3,243$2,700$2,238$1,847$1,504
18 years$3,621$2,997$2,465$2,017$1,642$1,318
19 years$3,395$2,777$2,256$1,822$1,464$1,157
20 years$3,191$2,581$2,071$1,650$1,307$1,018
21 years$3,007$2,404$1,905$1,498$1,170$897
22 years$2,840$2,244$1,756$1,362$1,049$792
23 years$2,688$2,099$1,621$1,240$941$700
24 years$2,549$1,966$1,499$1,131$846$619
25 years$2,421$1,845$1,388$1,033$761$548
26 years$2,303$1,734$1,288$945$686$486
27 years$2,194$1,632$1,196$865$618$431
28 years$2,093$1,538$1,112$792$558$382
29 years$1,999$1,451$1,034$726$504$340
30 years$1,911$1,370$964$667$455$302
31 years$1,830$1,295$898$612$412$268
32 years$1,753$1,226$838$563$372$238
33 years$1,682$1,161$783$517$337$212
34 years$1,614$1,100$731$476$305$189
35 years$1,551$1,043$684$438$276$168
36 years$1,491$990$639$404$250$150
37 years$1,435$941$599$372$227$133
38 years$1,382$894$561$343$206$119
39 years$1,331$850$525$316$187$106
40 years$1,284$809$492$292$169$94
41 years$1,238$770$462$269$153$84
42 years$1,195$733$433$248$139$75
43 years$1,155$699$406$229$126$67
44 years$1,116$666$381$212$115$59
45 years$1,079$635$358$195$104$53
46 years$1,043$606$336$180$95$47
47 years$1,009$578$316$167$86$42
48 years$977$552$297$154$78$38
49 years$946$527$279$142$71$33
50 years$917$503$262$132$64$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $939,000, adding $3,055 every year, while hoping to spend $28,280 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: 53/33/14 Blend
34$939,000$939,000$939,000$939,000
35$1,037,929$988,162$973,608$1,088,920
36$1,113,708$1,006,492$976,134$1,142,381
37$1,196,269$1,024,773$977,797$1,197,241
38$1,286,273$1,042,972$978,538$1,256,290
39$1,384,449$1,061,054$978,295$1,319,930
40$1,491,599$1,078,981$977,004$1,388,609
41$1,608,606$1,096,715$974,597$1,462,819
42$1,736,440$1,114,210$971,002$1,543,101
43$1,876,171$1,131,421$966,145$1,630,053
44$2,028,977$1,148,297$959,948$1,724,335
45$2,196,155$1,164,786$952,328$1,826,673
46$2,379,132$1,180,830$943,201$1,937,869
47$2,579,480$1,196,367$932,475$2,058,808
48$2,798,931$1,211,332$920,056$2,190,464
49$3,039,390$1,225,656$905,846$2,333,912
50$3,302,958$1,239,263$889,742$2,490,338
51$3,591,946$1,252,074$871,635$2,661,049
52$3,908,902$1,264,003$851,412$2,847,487
53$4,256,631$1,274,959$828,955$3,051,241
54$4,638,222$1,284,847$804,140$3,274,066
55$5,057,079$1,293,563$776,837$3,517,894
56$5,516,950$1,300,997$746,910$3,784,859
57$6,021,967$1,307,033$714,219$4,077,310
58$6,576,677$1,311,547$678,615$4,397,841
59$7,186,092$1,314,407$639,942$4,749,311
60$7,855,733$1,315,473$598,040$5,134,872
61$8,591,682$1,314,596$552,739$5,558,002
62$9,400,640$1,311,617$503,862$6,022,533
63$10,289,989$1,306,370$451,225$6,532,693
64$11,267,862$1,298,676$394,635$7,093,142
65$12,343,219$1,288,346$333,891$7,709,019
66$13,525,932$1,275,181$268,781$8,385,991
67$14,826,879$1,258,966$199,087$9,130,306
68$16,258,044$1,239,479$124,580$9,948,851
69$17,832,631$1,216,479$45,019$10,849,222
70$19,565,187$1,189,715$0$11,839,793
71$21,471,744$1,158,918$0$12,935,753
72$23,569,963$1,123,806$0$14,148,889
73$25,879,305$1,084,079$0$15,483,729
74$28,421,215$1,039,419$0$16,952,688
75$31,219,319$989,491$0$18,569,450
76$34,299,652$933,939$0$20,349,098
77$37,690,903$872,388$0$22,308,256
78$41,424,681$804,441$0$24,465,249
79$45,535,817$729,677$0$26,840,275
80$50,062,692$647,654$0$29,455,597
81$55,047,599$557,901$0$32,335,753
82$60,537,139$459,923$0$35,507,790
83$66,582,665$353,197$0$39,001,519
84$73,240,763$237,170$0$42,849,798
85$80,573,786$111,257$0$47,088,844
86$88,650,446$0$0$51,758,573
87$97,546,456$0$0$56,912,117
88$107,345,250$0$0$62,633,283
89$118,138,766$0$0$68,935,366
90$130,028,316$0$0$75,877,537
91$143,125,542$0$0$83,524,998
92$157,553,465$0$0$91,949,601
93$173,447,655$0$0$101,230,522
94$190,957,499$0$0$111,455,012
95$210,247,620$0$0$122,719,218
96$231,499,426$0$0$135,129,091
97$254,912,822$0$0$148,801,384
98$280,708,100$0$0$163,864,759
99$309,128,011$0$0$180,460,996
100$340,440,066$0$0$198,746,333