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 $2,798 every year, while hoping to spend $23,307 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: 48/30/22 Blend
34$939,000$939,000$939,000$939,000
35$1,037,664$987,897$973,343$1,080,878
36$1,118,707$1,011,506$981,151$1,134,918
37$1,207,236$1,035,490$988,440$1,191,007
38$1,303,989$1,059,843$995,167$1,251,436
39$1,409,779$1,084,559$1,001,289$1,316,624
40$1,525,503$1,109,629$1,006,758$1,387,031
41$1,652,146$1,135,042$1,011,527$1,463,165
42$1,790,794$1,160,789$1,015,542$1,545,584
43$1,942,644$1,186,857$1,018,752$1,634,907
44$2,109,012$1,213,231$1,021,098$1,731,811
45$2,291,348$1,239,896$1,022,522$1,837,046
46$2,491,250$1,266,835$1,022,961$1,951,437
47$2,710,477$1,294,030$1,022,349$2,075,894
48$2,950,966$1,321,457$1,020,619$2,211,419
49$3,214,851$1,349,096$1,017,696$2,359,118
50$3,504,484$1,376,920$1,013,507$2,520,209
51$3,822,454$1,404,901$1,007,972$2,696,035
52$4,171,612$1,433,009$1,001,007$2,888,076
53$4,555,102$1,461,212$992,526$3,097,965
54$4,976,384$1,489,473$982,438$3,327,501
55$5,439,272$1,517,754$970,646$3,578,666
56$5,947,966$1,546,013$957,051$3,853,646
57$6,507,095$1,574,203$941,548$4,154,853
58$7,121,756$1,602,277$924,028$4,484,942
59$7,797,568$1,630,181$904,375$4,846,842
60$8,540,718$1,657,857$882,470$5,243,781
61$9,358,025$1,685,246$858,186$5,679,318
62$10,257,001$1,712,281$831,393$6,157,377
63$11,245,923$1,738,891$801,952$6,682,282
64$12,333,910$1,765,000$769,721$7,258,800
65$13,531,011$1,790,526$734,549$7,892,186
66$14,848,295$1,815,384$696,277$8,588,234
67$16,297,962$1,839,478$654,744$9,353,330
68$17,893,452$1,862,710$609,775$10,194,512
69$19,649,575$1,884,974$561,193$11,119,541
70$21,582,648$1,906,154$508,810$12,136,968
71$23,710,652$1,926,130$452,429$13,256,224
72$26,053,400$1,944,772$391,847$14,487,700
73$28,632,723$1,961,941$326,850$15,842,853
74$31,472,675$1,977,491$257,214$17,334,309
75$34,599,764$1,991,264$182,707$18,975,989
76$38,043,198$2,003,094$103,085$20,783,233
77$41,835,162$2,012,803$18,096$22,772,953
78$46,011,119$2,020,201$0$24,963,788
79$50,610,151$2,025,088$0$27,393,329
80$55,675,319$2,027,251$0$30,072,817
81$61,254,077$2,026,462$0$33,023,031
82$67,398,715$2,022,480$0$36,271,552
83$74,166,852$2,015,050$0$39,848,779
84$81,621,983$2,003,900$0$43,788,212
85$89,834,077$1,988,742$0$48,126,769
86$98,880,233$1,969,271$0$52,905,139
87$108,845,415$1,945,163$0$58,168,158
88$119,823,246$1,916,075$0$63,965,244
89$131,916,897$1,881,642$0$70,350,853
90$145,240,058$1,841,481$0$77,385,002
91$159,918,013$1,795,182$0$85,133,830
92$176,088,818$1,742,314$0$93,670,229
93$193,904,609$1,682,419$0$103,074,528
94$213,533,035$1,615,013$0$113,435,252
95$235,158,840$1,539,584$0$124,849,962
96$258,985,608$1,455,590$0$137,426,176
97$285,237,685$1,362,459$0$151,282,381
98$314,162,293$1,259,584$0$166,549,157
99$346,031,868$1,146,324$0$183,370,409
100$381,146,627$1,022,003$0$201,904,726