Can I retire at age 35 with 959,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $959,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$79,193$78,488$77,800$77,128$76,472$74,836
2 years$39,205$38,474$37,767$37,081$36,415$34,775
3 years$25,877$25,143$24,438$23,758$23,103$21,510
4 years$19,214$18,483$17,784$17,116$16,477$14,944
5 years$15,218$14,491$13,801$13,147$12,526$11,056
6 years$12,554$11,833$11,154$10,514$9,911$8,506
7 years$10,652$9,937$9,269$8,644$8,061$6,721
8 years$9,227$8,518$7,861$7,251$6,687$5,412
9 years$8,119$7,417$6,770$6,176$5,631$4,420
10 years$7,232$6,537$5,903$5,324$4,798$3,650
11 years$6,508$5,820$5,196$4,634$4,127$3,040
12 years$5,905$5,224$4,612$4,064$3,576$2,549
13 years$5,395$4,721$4,120$3,588$3,118$2,149
14 years$4,958$4,291$3,702$3,185$2,734$1,820
15 years$4,579$3,920$3,342$2,841$2,407$1,547
16 years$4,249$3,596$3,030$2,543$2,127$1,319
17 years$3,957$3,312$2,758$2,285$1,886$1,128
18 years$3,698$3,061$2,517$2,059$1,677$967
19 years$3,467$2,836$2,304$1,861$1,495$830
20 years$3,259$2,636$2,115$1,685$1,335$713
21 years$3,071$2,455$1,945$1,530$1,195$614
22 years$2,901$2,292$1,793$1,391$1,071$529
23 years$2,745$2,143$1,655$1,267$961$457
24 years$2,603$2,008$1,531$1,155$864$394
25 years$2,472$1,885$1,418$1,055$778$341
26 years$2,352$1,771$1,315$965$700$295
27 years$2,241$1,667$1,221$883$631$255
28 years$2,137$1,571$1,135$809$570$221
29 years$2,041$1,482$1,056$742$515$191
30 years$1,952$1,399$984$681$465$165
31 years$1,869$1,323$917$625$420$143
32 years$1,791$1,252$856$575$380$124
33 years$1,717$1,185$799$528$344$108
34 years$1,649$1,124$747$486$312$93
35 years$1,584$1,066$698$448$282$81
36 years$1,523$1,011$653$412$256$70
37 years$1,466$961$611$380$232$61
38 years$1,411$913$572$350$210$53
39 years$1,360$868$536$323$190$46
40 years$1,311$826$503$298$173$40
41 years$1,265$786$471$275$157$34
42 years$1,221$749$442$254$142$30
43 years$1,179$713$415$234$129$26
44 years$1,139$680$389$216$117$23
45 years$1,102$649$366$200$106$20
46 years$1,065$619$343$184$97$17
47 years$1,031$590$323$170$88$15
48 years$998$564$303$157$80$13
49 years$966$538$285$145$72$11
50 years$936$514$268$134$66$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $959,000, adding $4,258 every year, while hoping to spend $29,769 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: 66/7/27 Blend
34$959,000$959,000$959,000$959,000
35$1,061,210$1,010,383$995,519$1,123,476
36$1,137,780$1,028,218$997,195$1,183,821
37$1,221,161$1,045,929$997,929$1,246,052
38$1,312,019$1,063,479$997,659$1,313,430
39$1,411,082$1,080,827$996,318$1,386,465
40$1,519,155$1,097,930$993,837$1,465,720
41$1,637,122$1,114,741$990,143$1,551,813
42$1,765,957$1,131,211$985,161$1,645,429
43$1,906,730$1,147,287$978,810$1,747,321
44$2,060,623$1,162,910$971,007$1,858,319
45$2,228,935$1,178,021$961,663$1,979,339
46$2,413,095$1,192,553$950,688$2,111,392
47$2,614,679$1,206,436$937,984$2,255,592
48$2,835,421$1,219,596$923,452$2,413,165
49$3,077,231$1,231,954$906,985$2,585,466
50$3,342,213$1,243,424$888,473$2,773,989
51$3,632,683$1,253,915$867,800$2,980,378
52$3,951,192$1,263,333$844,847$3,206,449
53$4,300,550$1,271,572$819,486$3,454,203
54$4,683,852$1,278,525$791,585$3,725,846
55$5,104,507$1,284,075$761,005$4,023,810
56$5,566,270$1,288,099$727,602$4,350,778
57$6,073,278$1,290,464$691,226$4,709,706
58$6,630,088$1,291,032$651,717$5,103,855
59$7,241,718$1,289,653$608,910$5,536,817
60$7,913,698$1,286,171$562,633$6,012,555
61$8,652,119$1,280,418$512,706$6,535,437
62$9,463,694$1,272,217$458,940$7,110,278
63$10,355,814$1,261,379$401,138$7,742,388
64$11,336,625$1,247,705$339,094$8,437,619
65$12,415,102$1,230,983$272,595$9,202,422
66$13,601,130$1,210,989$201,415$10,043,909
67$14,905,604$1,187,486$125,321$10,969,921
68$16,340,524$1,160,222$44,068$11,989,101
69$17,919,115$1,128,930$0$13,110,974
70$19,655,945$1,093,328$0$14,358,329
71$21,567,068$1,053,118$0$15,744,804
72$23,670,172$1,007,983$0$17,270,530
73$25,984,744$957,589$0$18,949,658
74$28,532,260$901,583$0$20,797,778
75$31,336,381$839,590$0$22,832,073
76$34,423,177$771,216$0$25,071,475
77$37,821,377$696,041$0$27,536,846
78$41,562,634$613,624$0$30,251,176
79$45,681,830$523,499$0$33,239,800
80$50,217,397$425,171$0$36,530,635
81$55,211,687$318,120$0$40,154,443
82$60,711,366$201,795$0$44,145,125
83$66,767,857$75,614$0$48,540,039
84$73,437,825$0$0$53,380,351
85$80,783,707$0$0$58,716,129
86$88,874,309$0$0$64,599,342
87$97,785,449$0$0$71,079,309
88$107,600,672$0$0$78,216,794
89$118,412,044$0$0$86,078,756
90$130,321,012$0$0$94,738,979
91$143,439,370$0$0$104,278,771
92$157,890,307$0$0$114,787,729
93$173,809,573$0$0$126,364,584
94$191,346,760$0$0$139,118,137
95$210,666,711$0$0$153,168,280
96$231,951,079$0$0$168,647,131
97$255,400,037$0$0$185,700,278
98$281,234,173$0$0$204,488,158
99$309,696,565$0$0$225,187,564
100$341,055,082$0$0$247,993,320