Can I retire at age 35 with 910,000?

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 $910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$75,147$74,478$73,825$73,187$72,565$70,553
2 years$37,201$36,509$35,837$35,186$34,555$32,543
3 years$24,555$23,859$23,189$22,544$21,923$19,974
4 years$18,232$17,539$16,876$16,242$15,636$13,765
5 years$14,440$13,751$13,096$12,475$11,886$10,098
6 years$11,913$11,228$10,584$9,977$9,405$7,702
7 years$10,108$9,430$8,795$8,202$7,649$6,030
8 years$8,755$8,083$7,459$6,881$6,345$4,811
9 years$7,704$7,038$6,424$5,861$5,344$3,892
10 years$6,863$6,203$5,601$5,052$4,553$3,182
11 years$6,175$5,522$4,931$4,397$3,916$2,623
12 years$5,603$4,957$4,376$3,857$3,393$2,176
13 years$5,119$4,479$3,910$3,405$2,959$1,815
14 years$4,704$4,072$3,513$3,022$2,594$1,521
15 years$4,345$3,719$3,172$2,695$2,284$1,278
16 years$4,032$3,413$2,876$2,413$2,019$1,078
17 years$3,755$3,143$2,617$2,168$1,790$911
18 years$3,510$2,904$2,389$1,954$1,591$771
19 years$3,290$2,692$2,187$1,766$1,418$654
20 years$3,093$2,501$2,007$1,599$1,267$556
21 years$2,915$2,330$1,846$1,451$1,134$473
22 years$2,753$2,175$1,701$1,320$1,016$402
23 years$2,605$2,034$1,571$1,202$912$343
24 years$2,470$1,906$1,453$1,096$820$292
25 years$2,346$1,788$1,346$1,001$738$249
26 years$2,232$1,681$1,248$915$665$213
27 years$2,126$1,582$1,159$838$599$182
28 years$2,028$1,491$1,077$768$541$155
29 years$1,937$1,406$1,003$704$488$133
30 years$1,852$1,328$934$646$441$113
31 years$1,773$1,255$871$593$399$97
32 years$1,699$1,188$812$545$361$83
33 years$1,630$1,125$758$501$326$71
34 years$1,564$1,066$709$461$296$61
35 years$1,503$1,011$662$425$268$52
36 years$1,445$960$620$391$243$44
37 years$1,391$912$580$360$220$38
38 years$1,339$866$543$332$199$33
39 years$1,290$824$509$306$181$28
40 years$1,244$784$477$283$164$24
41 years$1,200$746$447$261$149$20
42 years$1,159$711$420$241$135$17
43 years$1,119$677$394$222$122$15
44 years$1,081$645$370$205$111$13
45 years$1,045$615$347$189$101$11
46 years$1,011$587$326$175$92$9
47 years$978$560$306$162$83$8
48 years$947$535$288$149$76$7
49 years$917$511$270$138$69$6
50 years$888$488$254$128$62$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $910,000, adding $6,108 every year, while hoping to spend $51,453 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: 46/35/19 Blend
34$910,000$910,000$910,000$910,000
35$1,009,120$960,890$946,785$1,049,806
36$1,057,305$953,228$923,757$1,071,196
37$1,108,680$943,467$898,233$1,088,765
38$1,163,517$931,448$870,075$1,106,746
39$1,222,112$917,005$839,139$1,125,201
40$1,284,791$899,962$805,273$1,144,200
41$1,351,911$880,131$768,321$1,163,825
42$1,423,863$857,315$728,118$1,184,169
43$1,501,078$831,304$684,490$1,205,340
44$1,584,025$801,876$637,258$1,227,460
45$1,673,224$768,795$586,234$1,250,667
46$1,769,240$731,814$531,221$1,275,120
47$1,872,699$690,670$472,014$1,300,999
48$1,984,286$645,083$408,397$1,328,506
49$2,104,752$594,761$340,147$1,357,871
50$2,234,924$539,393$267,030$1,389,354
51$2,375,712$478,649$188,801$1,423,246
52$2,528,115$412,182$105,206$1,459,877
53$2,693,230$339,627$15,978$1,499,617
54$2,872,265$260,594$0$1,542,880
55$3,066,548$174,675$0$1,606,199
56$3,277,539$81,437$0$1,678,531
57$3,506,845$0$0$1,757,280
58$3,756,232$0$0$1,850,703
59$4,027,645$0$0$1,986,606
60$4,323,223$0$0$2,134,705
61$4,645,320$0$0$2,296,192
62$4,996,526$0$0$2,472,379
63$5,379,693$0$0$2,664,709
64$5,797,958$0$0$2,874,772
65$6,254,777$0$0$3,104,317
66$6,753,953$0$0$3,355,268
67$7,299,672$0$0$3,629,748
68$7,896,543$0$0$3,930,091
69$8,549,644$0$0$4,258,866
70$9,264,562$0$0$4,618,906
71$10,047,451$0$0$5,013,328
72$10,905,089$0$0$5,445,564
73$11,844,939$0$0$5,919,396
74$12,875,221$0$0$6,438,987
75$14,004,988$0$0$7,008,926
76$15,244,211$0$0$7,634,262
77$16,603,872$0$0$8,320,562
78$18,096,068$0$0$9,073,953
79$19,734,124$0$0$9,901,189
80$21,532,718$0$0$10,809,705
81$23,508,019$0$0$11,807,696
82$25,677,837$0$0$12,904,187
83$28,061,795$0$0$14,109,122
84$30,681,509$0$0$15,433,454
85$33,560,791$0$0$16,889,252
86$36,725,878$0$0$18,489,812
87$40,205,674$0$0$20,249,781
88$44,032,022$0$0$22,185,298
89$48,240,006$0$0$24,314,144
90$52,868,282$0$0$26,655,909
91$57,959,437$0$0$29,232,179
92$63,560,396$0$0$32,066,735
93$69,722,859$0$0$35,185,782
94$76,503,791$0$0$38,618,191
95$83,965,958$0$0$42,395,775
96$92,178,518$0$0$46,553,586
97$101,217,672$0$0$51,130,247
98$111,167,384$0$0$56,168,316
99$122,120,169$0$0$61,714,685
100$134,177,971$0$0$67,821,026