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%12.3%
1 years$75,147$74,478$73,825$73,187$72,565$71,867
2 years$37,201$36,509$35,837$35,186$34,555$33,851
3 years$24,555$23,859$23,189$22,544$21,923$21,236
4 years$18,232$17,539$16,876$16,242$15,636$14,971
5 years$14,440$13,751$13,096$12,475$11,886$11,245
6 years$11,913$11,228$10,584$9,977$9,405$8,789
7 years$10,108$9,430$8,795$8,202$7,649$7,058
8 years$8,755$8,083$7,459$6,881$6,345$5,779
9 years$7,704$7,038$6,424$5,861$5,344$4,802
10 years$6,863$6,203$5,601$5,052$4,553$4,036
11 years$6,175$5,522$4,931$4,397$3,916$3,423
12 years$5,603$4,957$4,376$3,857$3,393$2,924
13 years$5,119$4,479$3,910$3,405$2,959$2,513
14 years$4,704$4,072$3,513$3,022$2,594$2,170
15 years$4,345$3,719$3,172$2,695$2,284$1,882
16 years$4,032$3,413$2,876$2,413$2,019$1,637
17 years$3,755$3,143$2,617$2,168$1,790$1,429
18 years$3,510$2,904$2,389$1,954$1,591$1,250
19 years$3,290$2,692$2,187$1,766$1,418$1,096
20 years$3,093$2,501$2,007$1,599$1,267$963
21 years$2,915$2,330$1,846$1,451$1,134$848
22 years$2,753$2,175$1,701$1,320$1,016$747
23 years$2,605$2,034$1,571$1,202$912$659
24 years$2,470$1,906$1,453$1,096$820$582
25 years$2,346$1,788$1,346$1,001$738$515
26 years$2,232$1,681$1,248$915$665$455
27 years$2,126$1,582$1,159$838$599$403
28 years$2,028$1,491$1,077$768$541$357
29 years$1,937$1,406$1,003$704$488$317
30 years$1,852$1,328$934$646$441$281
31 years$1,773$1,255$871$593$399$249
32 years$1,699$1,188$812$545$361$221
33 years$1,630$1,125$758$501$326$197
34 years$1,564$1,066$709$461$296$175
35 years$1,503$1,011$662$425$268$155
36 years$1,445$960$620$391$243$138
37 years$1,391$912$580$360$220$123
38 years$1,339$866$543$332$199$109
39 years$1,290$824$509$306$181$97
40 years$1,244$784$477$283$164$86
41 years$1,200$746$447$261$149$77
42 years$1,159$711$420$241$135$68
43 years$1,119$677$394$222$122$61
44 years$1,081$645$370$205$111$54
45 years$1,045$615$347$189$101$48
46 years$1,011$587$326$175$92$43
47 years$978$560$306$162$83$38
48 years$947$535$288$149$76$34
49 years$917$511$270$138$69$30
50 years$888$488$254$128$62$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $910,000, adding $4,175 every year, while hoping to spend $41,796 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: 68/10/22 Blend
34$910,000$910,000$910,000$910,000
35$1,007,127$958,897$944,792$1,069,754
36$1,065,383$961,412$931,971$1,114,740
37$1,128,180$962,650$917,321$1,158,711
38$1,195,938$962,503$900,735$1,205,817
39$1,269,117$960,859$882,103$1,256,368
40$1,348,223$957,597$861,309$1,310,702
41$1,433,812$952,589$838,233$1,369,196
42$1,526,494$945,700$812,747$1,432,265
43$1,626,944$936,786$784,721$1,500,368
44$1,735,898$925,694$754,016$1,574,011
45$1,854,171$912,264$720,486$1,653,754
46$1,982,655$896,324$683,981$1,740,214
47$2,122,335$877,693$644,344$1,834,073
48$2,274,292$856,179$601,408$1,936,085
49$2,439,716$831,578$555,001$2,047,081
50$2,619,916$803,675$504,943$2,167,979
51$2,816,335$772,242$451,046$2,299,792
52$3,030,558$737,039$393,113$2,443,639
53$3,264,330$697,809$330,938$2,600,755
54$3,519,575$654,284$264,307$2,772,502
55$3,798,405$606,178$192,995$2,960,387
56$4,103,152$553,190$116,770$3,166,068
57$4,436,378$495,001$35,386$3,391,378
58$4,800,906$431,273$0$3,638,340
59$5,199,844$361,652$0$3,921,266
60$5,636,616$285,760$0$4,240,187
61$6,114,989$203,201$0$4,589,571
62$6,639,115$113,555$0$4,972,483
63$7,213,564$16,378$0$5,392,301
64$7,843,370$0$0$5,852,748
65$8,534,078$0$0$6,367,698
66$9,291,796$0$0$6,934,638
67$10,123,248$0$0$7,556,805
68$11,035,845$0$0$8,239,751
69$12,037,748$0$0$8,989,589
70$13,137,946$0$0$9,813,057
71$14,346,344$0$0$10,717,574
72$15,673,850$0$0$11,711,314
73$17,132,484$0$0$12,803,284
74$18,735,486$0$0$14,003,403
75$20,497,441$0$0$15,322,601
76$22,434,420$0$0$16,772,919
77$24,564,128$0$0$18,367,623
78$26,906,070$0$0$20,121,328
79$29,481,736$0$0$22,050,138
80$32,314,805$0$0$24,171,794
81$35,431,364$0$0$26,505,844
82$38,860,156$0$0$29,073,826
83$42,632,851$0$0$31,899,471
84$46,784,343$0$0$35,008,924
85$51,353,079$0$0$38,430,997
86$56,381,424$0$0$42,197,432
87$61,916,055$0$0$46,343,208
88$68,008,407$0$0$50,906,865
89$74,715,150$0$0$55,930,869
90$82,098,733$0$0$61,462,014
91$90,227,965$0$0$67,551,861
92$99,178,666$0$0$74,257,225
93$109,034,383$0$0$81,640,711
94$119,887,177$0$0$89,771,304
95$131,838,491$0$0$98,725,020
96$145,000,109$0$0$108,585,621
97$159,495,205$0$0$119,445,410
98$175,459,512$0$0$131,406,094
99$193,042,595$0$0$144,579,751
100$212,409,268$0$0$159,089,884