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%11.4%
1 years$77,542$76,851$76,177$75,519$74,877$74,436
2 years$38,387$37,672$36,979$36,307$35,656$35,211
3 years$25,337$24,619$23,928$23,263$22,622$22,187
4 years$18,813$18,098$17,413$16,759$16,134$15,712
5 years$14,900$14,189$13,514$12,873$12,265$11,858
6 years$12,292$11,586$10,921$10,294$9,705$9,313
7 years$10,430$9,730$9,075$8,464$7,892$7,515
8 years$9,034$8,340$7,697$7,100$6,548$6,186
9 years$7,949$7,262$6,629$6,048$5,514$5,167
10 years$7,082$6,401$5,779$5,213$4,698$4,366
11 years$6,372$5,698$5,088$4,537$4,041$3,724
12 years$5,781$5,115$4,516$3,979$3,502$3,199
13 years$5,282$4,622$4,034$3,513$3,053$2,765
14 years$4,854$4,201$3,625$3,119$2,677$2,402
15 years$4,484$3,838$3,273$2,781$2,357$2,095
16 years$4,160$3,521$2,967$2,490$2,083$1,835
17 years$3,875$3,243$2,700$2,238$1,847$1,611
18 years$3,621$2,997$2,465$2,017$1,642$1,419
19 years$3,395$2,777$2,256$1,822$1,464$1,252
20 years$3,191$2,581$2,071$1,650$1,307$1,107
21 years$3,007$2,404$1,905$1,498$1,170$981
22 years$2,840$2,244$1,756$1,362$1,049$870
23 years$2,688$2,099$1,621$1,240$941$773
24 years$2,549$1,966$1,499$1,131$846$688
25 years$2,421$1,845$1,388$1,033$761$612
26 years$2,303$1,734$1,288$945$686$545
27 years$2,194$1,632$1,196$865$618$486
28 years$2,093$1,538$1,112$792$558$434
29 years$1,999$1,451$1,034$726$504$388
30 years$1,911$1,370$964$667$455$346
31 years$1,830$1,295$898$612$412$310
32 years$1,753$1,226$838$563$372$277
33 years$1,682$1,161$783$517$337$248
34 years$1,614$1,100$731$476$305$222
35 years$1,551$1,043$684$438$276$198
36 years$1,491$990$639$404$250$178
37 years$1,435$941$599$372$227$159
38 years$1,382$894$561$343$206$143
39 years$1,331$850$525$316$187$128
40 years$1,284$809$492$292$169$115
41 years$1,238$770$462$269$153$103
42 years$1,195$733$433$248$139$92
43 years$1,155$699$406$229$126$83
44 years$1,116$666$381$212$115$74
45 years$1,079$635$358$195$104$66
46 years$1,043$606$336$180$95$60
47 years$1,009$578$316$167$86$53
48 years$977$552$297$154$78$48
49 years$946$527$279$142$71$43
50 years$917$503$262$132$64$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $939,000, adding $2,714 every year, while hoping to spend $20,681 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: 60/28/12 Blend
34$939,000$939,000$939,000$939,000
35$1,037,577$987,810$973,256$1,096,668
36$1,121,406$1,014,209$983,856$1,163,122
37$1,213,092$1,041,207$994,117$1,233,002
38$1,313,415$1,068,814$1,004,008$1,308,727
39$1,423,233$1,097,036$1,013,492$1,390,863
40$1,543,492$1,125,880$1,022,533$1,480,031
41$1,675,233$1,155,353$1,031,092$1,576,918
42$1,819,602$1,185,460$1,039,129$1,682,279
43$1,977,861$1,216,208$1,046,600$1,796,944
44$2,151,402$1,247,601$1,053,460$1,921,829
45$2,341,756$1,279,644$1,059,662$2,057,942
46$2,550,609$1,312,341$1,065,155$2,206,393
47$2,779,821$1,345,695$1,069,887$2,368,406
48$3,031,437$1,379,708$1,073,803$2,545,327
49$3,307,712$1,414,383$1,076,844$2,738,641
50$3,611,130$1,449,719$1,078,949$2,949,983
51$3,944,426$1,485,716$1,080,055$3,181,153
52$4,310,615$1,522,374$1,080,095$3,434,137
53$4,713,017$1,559,689$1,078,997$3,711,119
54$5,155,289$1,597,659$1,076,688$4,014,508
55$5,641,462$1,636,277$1,073,090$4,346,958
56$6,175,975$1,675,539$1,068,123$4,711,392
57$6,763,719$1,715,435$1,061,700$5,111,033
58$7,410,084$1,755,957$1,053,732$5,549,428
59$8,121,007$1,797,093$1,044,127$6,030,490
60$8,903,030$1,838,831$1,032,784$6,558,527
61$9,763,359$1,881,154$1,019,603$7,138,289
62$10,709,937$1,924,046$1,004,476$7,775,007
63$11,751,514$1,967,487$987,289$8,474,448
64$12,897,730$2,011,456$967,924$9,242,965
65$14,159,209$2,055,927$946,260$10,087,561
66$15,547,654$2,100,874$922,166$11,015,949
67$17,075,963$2,146,265$895,507$12,036,632
68$18,758,347$2,192,068$866,142$13,158,978
69$20,610,464$2,238,245$833,923$14,393,313
70$22,649,569$2,284,755$798,697$15,751,014
71$24,894,672$2,331,556$760,300$17,244,617
72$27,366,723$2,378,597$718,565$18,887,940
73$30,088,807$2,425,826$673,315$20,696,209
74$33,086,359$2,473,186$624,365$22,686,203
75$36,387,410$2,520,614$571,523$24,876,413
76$40,022,844$2,568,042$514,588$27,287,215
77$44,026,696$2,615,398$453,348$29,941,065
78$48,436,469$2,662,602$387,585$32,862,711
79$53,293,489$2,709,570$317,069$36,079,424
80$58,643,294$2,756,208$241,561$39,621,257
81$64,536,067$2,802,419$160,810$43,521,331
82$71,027,103$2,848,096$74,555$47,816,144
83$78,177,339$2,893,123$0$52,545,920
84$86,053,921$2,937,380$0$57,757,225
85$94,730,844$2,980,734$0$63,507,001
86$104,289,644$3,023,044$0$69,839,564
87$114,820,173$3,064,159$0$76,814,279
88$126,421,446$3,103,918$0$84,496,566
89$139,202,571$3,142,148$0$92,958,519
90$153,283,785$3,178,664$0$102,279,581
91$168,797,582$3,213,270$0$112,547,302
92$185,889,971$3,245,756$0$123,858,159
93$204,721,847$3,275,897$0$136,318,471
94$225,470,514$3,303,454$0$150,045,401
95$248,331,357$3,328,174$0$165,168,062
96$273,519,685$3,349,785$0$181,828,737
97$301,272,767$3,367,998$0$200,184,224
98$331,852,066$3,382,507$0$220,407,311
99$365,545,713$3,392,985$0$242,688,414
100$402,671,221$3,399,087$0$267,237,371