Can I retire at age 35 with 959,000?

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 $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%16.2%
1 years$79,193$78,488$77,800$77,128$76,472$74,533
2 years$39,205$38,474$37,767$37,081$36,415$34,474
3 years$25,877$25,143$24,438$23,758$23,103$21,221
4 years$19,214$18,483$17,784$17,116$16,477$14,668
5 years$15,218$14,491$13,801$13,147$12,526$10,795
6 years$12,554$11,833$11,154$10,514$9,911$8,260
7 years$10,652$9,937$9,269$8,644$8,061$6,490
8 years$9,227$8,518$7,861$7,251$6,687$5,196
9 years$8,119$7,417$6,770$6,176$5,631$4,218
10 years$7,232$6,537$5,903$5,324$4,798$3,462
11 years$6,508$5,820$5,196$4,634$4,127$2,864
12 years$5,905$5,224$4,612$4,064$3,576$2,386
13 years$5,395$4,721$4,120$3,588$3,118$1,998
14 years$4,958$4,291$3,702$3,185$2,734$1,681
15 years$4,579$3,920$3,342$2,841$2,407$1,419
16 years$4,249$3,596$3,030$2,543$2,127$1,202
17 years$3,957$3,312$2,758$2,285$1,886$1,020
18 years$3,698$3,061$2,517$2,059$1,677$868
19 years$3,467$2,836$2,304$1,861$1,495$739
20 years$3,259$2,636$2,115$1,685$1,335$631
21 years$3,071$2,455$1,945$1,530$1,195$539
22 years$2,901$2,292$1,793$1,391$1,071$461
23 years$2,745$2,143$1,655$1,267$961$395
24 years$2,603$2,008$1,531$1,155$864$338
25 years$2,472$1,885$1,418$1,055$778$290
26 years$2,352$1,771$1,315$965$700$249
27 years$2,241$1,667$1,221$883$631$213
28 years$2,137$1,571$1,135$809$570$183
29 years$2,041$1,482$1,056$742$515$157
30 years$1,952$1,399$984$681$465$135
31 years$1,869$1,323$917$625$420$116
32 years$1,791$1,252$856$575$380$100
33 years$1,717$1,185$799$528$344$86
34 years$1,649$1,124$747$486$312$74
35 years$1,584$1,066$698$448$282$63
36 years$1,523$1,011$653$412$256$54
37 years$1,466$961$611$380$232$47
38 years$1,411$913$572$350$210$40
39 years$1,360$868$536$323$190$35
40 years$1,311$826$503$298$173$30
41 years$1,265$786$471$275$157$26
42 years$1,221$749$442$254$142$22
43 years$1,179$713$415$234$129$19
44 years$1,139$680$389$216$117$16
45 years$1,102$649$366$200$106$14
46 years$1,065$619$343$184$97$12
47 years$1,031$590$323$170$88$10
48 years$998$564$303$157$80$9
49 years$966$538$285$145$72$8
50 years$936$514$268$134$66$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $959,000, adding $5,364 every year, while hoping to spend $24,394 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: 58/32/10 Blend
34$959,000$959,000$959,000$959,000
35$1,062,351$1,011,524$996,659$1,121,133
36$1,144,756$1,035,134$1,004,093$1,184,958
37$1,234,748$1,059,083$1,010,957$1,251,290
38$1,333,077$1,083,362$1,017,208$1,323,000
39$1,440,565$1,107,961$1,022,799$1,400,605
40$1,558,119$1,132,867$1,027,679$1,484,676
41$1,686,738$1,158,069$1,031,798$1,575,843
42$1,827,522$1,183,551$1,035,100$1,674,796
43$1,981,681$1,209,297$1,037,527$1,782,298
44$2,150,549$1,235,288$1,039,020$1,899,190
45$2,335,593$1,261,506$1,039,516$2,026,396
46$2,538,431$1,287,927$1,038,947$2,164,937
47$2,760,843$1,314,528$1,037,244$2,315,935
48$3,004,791$1,341,282$1,034,334$2,480,627
49$3,272,436$1,368,161$1,030,140$2,660,377
50$3,566,157$1,395,133$1,024,583$2,856,687
51$3,888,576$1,422,165$1,017,577$3,071,213
52$4,242,579$1,449,220$1,009,034$3,305,778
53$4,631,348$1,476,258$998,863$3,562,393
54$5,058,386$1,503,235$986,965$3,843,274
55$5,527,553$1,530,105$973,240$4,150,859
56$6,043,102$1,556,818$957,582$4,487,841
57$6,609,716$1,583,320$939,878$4,857,184
58$7,232,556$1,609,552$920,014$5,262,154
59$7,917,309$1,635,452$897,866$5,706,352
60$8,670,238$1,660,953$873,308$6,193,746
61$9,498,245$1,685,982$846,206$6,728,710
62$10,408,933$1,710,462$816,421$7,316,064
63$11,410,680$1,734,311$783,807$7,961,119
64$12,512,716$1,757,439$748,212$8,669,729
65$13,725,212$1,779,752$709,476$9,448,347
66$15,059,373$1,801,149$667,432$10,304,083
67$16,527,545$1,821,522$621,907$11,244,776
68$18,143,332$1,840,754$572,719$12,279,062
69$19,921,724$1,858,723$519,677$13,416,461
70$21,879,236$1,875,297$462,583$14,667,465
71$24,034,068$1,890,336$401,229$16,043,639
72$26,406,272$1,903,692$335,399$17,557,726
73$29,017,944$1,915,205$264,867$19,223,772
74$31,893,431$1,924,706$189,397$21,057,259
75$35,059,560$1,932,016$108,741$23,075,249
76$38,545,894$1,936,944$22,643$25,296,544
77$42,385,008$1,939,286$0$27,741,871
78$46,612,795$1,938,828$0$30,441,457
79$51,268,808$1,935,339$0$33,416,148
80$56,396,633$1,928,577$0$36,691,300
81$62,044,295$1,918,283$0$40,297,524
82$68,264,718$1,904,183$0$44,268,554
83$75,116,219$1,885,988$0$48,641,566
84$82,663,061$1,863,389$0$53,457,531
85$90,976,058$1,836,060$0$58,761,601
86$100,133,244$1,803,655$0$64,603,536
87$110,220,608$1,765,807$0$71,038,174
88$121,332,906$1,722,128$0$78,125,949
89$133,574,558$1,672,208$0$85,933,462
90$147,060,628$1,615,611$0$94,534,114
91$161,917,913$1,551,877$0$104,008,792
92$178,286,140$1,480,518$0$114,446,641
93$196,319,283$1,401,020$0$125,945,902
94$216,187,017$1,312,837$0$138,614,841
95$238,076,320$1,215,393$0$152,572,773
96$262,193,235$1,108,079$0$167,951,190
97$288,764,820$990,249$0$184,894,999
98$318,041,284$861,224$0$203,563,896
99$350,298,355$720,284$0$224,133,874
100$385,839,879$566,669$0$246,798,884