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%11.3%
1 years$75,147$74,478$73,825$73,187$72,565$72,168
2 years$37,201$36,509$35,837$35,186$34,555$34,154
3 years$24,555$23,859$23,189$22,544$21,923$21,531
4 years$18,232$17,539$16,876$16,242$15,636$15,256
5 years$14,440$13,751$13,096$12,475$11,886$11,519
6 years$11,913$11,228$10,584$9,977$9,405$9,052
7 years$10,108$9,430$8,795$8,202$7,649$7,309
8 years$8,755$8,083$7,459$6,881$6,345$6,019
9 years$7,704$7,038$6,424$5,861$5,344$5,031
10 years$6,863$6,203$5,601$5,052$4,553$4,254
11 years$6,175$5,522$4,931$4,397$3,916$3,630
12 years$5,603$4,957$4,376$3,857$3,393$3,120
13 years$5,119$4,479$3,910$3,405$2,959$2,699
14 years$4,704$4,072$3,513$3,022$2,594$2,346
15 years$4,345$3,719$3,172$2,695$2,284$2,048
16 years$4,032$3,413$2,876$2,413$2,019$1,794
17 years$3,755$3,143$2,617$2,168$1,790$1,577
18 years$3,510$2,904$2,389$1,954$1,591$1,389
19 years$3,290$2,692$2,187$1,766$1,418$1,227
20 years$3,093$2,501$2,007$1,599$1,267$1,086
21 years$2,915$2,330$1,846$1,451$1,134$963
22 years$2,753$2,175$1,701$1,320$1,016$855
23 years$2,605$2,034$1,571$1,202$912$760
24 years$2,470$1,906$1,453$1,096$820$676
25 years$2,346$1,788$1,346$1,001$738$603
26 years$2,232$1,681$1,248$915$665$537
27 years$2,126$1,582$1,159$838$599$480
28 years$2,028$1,491$1,077$768$541$428
29 years$1,937$1,406$1,003$704$488$383
30 years$1,852$1,328$934$646$441$342
31 years$1,773$1,255$871$593$399$306
32 years$1,699$1,188$812$545$361$274
33 years$1,630$1,125$758$501$326$245
34 years$1,564$1,066$709$461$296$220
35 years$1,503$1,011$662$425$268$197
36 years$1,445$960$620$391$243$177
37 years$1,391$912$580$360$220$158
38 years$1,339$866$543$332$199$142
39 years$1,290$824$509$306$181$127
40 years$1,244$784$477$283$164$114
41 years$1,200$746$447$261$149$102
42 years$1,159$711$420$241$135$92
43 years$1,119$677$394$222$122$83
44 years$1,081$645$370$205$111$74
45 years$1,045$615$347$189$101$66
46 years$1,011$587$326$175$92$60
47 years$978$560$306$162$83$54
48 years$947$535$288$149$76$48
49 years$917$511$270$138$69$43
50 years$888$488$254$128$62$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $910,000, adding $3,802 every year, while hoping to spend $48,411 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: 46/44/10 Blend
34$910,000$910,000$910,000$910,000
35$1,006,742$958,512$944,407$1,050,071
36$1,057,920$953,970$924,535$1,075,846
37$1,112,697$947,583$902,376$1,098,492
38$1,171,387$939,209$877,800$1,121,958
39$1,234,337$928,699$850,675$1,146,338
40$1,301,927$915,893$820,861$1,171,737
41$1,374,575$900,623$788,210$1,198,273
42$1,452,737$882,710$752,572$1,226,080
43$1,536,919$861,965$713,785$1,255,310
44$1,627,670$838,187$671,683$1,286,132
45$1,725,599$811,164$626,090$1,318,739
46$1,831,372$780,673$576,826$1,353,347
47$1,945,721$746,475$523,699$1,390,196
48$2,069,451$708,319$466,510$1,429,560
49$2,203,448$665,940$405,050$1,471,742
50$2,348,684$619,055$339,104$1,517,084
51$2,506,230$567,369$268,444$1,565,968
52$2,677,261$510,566$192,833$1,618,820
53$2,863,073$448,315$112,024$1,676,119
54$3,065,088$380,264$25,759$1,738,398
55$3,284,874$306,044$0$1,806,250
56$3,524,153$225,261$0$1,887,416
57$3,784,821$137,504$0$1,978,954
58$4,068,966$42,334$0$2,078,968
59$4,378,883$0$0$2,188,409
60$4,717,100$0$0$2,337,728
61$5,086,400$0$0$2,523,250
62$5,489,846$0$0$2,726,027
63$5,930,808$0$0$2,947,768
64$6,413,001$0$0$3,190,353
65$6,940,511$0$0$3,455,852
66$7,517,838$0$0$3,746,544
67$8,149,938$0$0$4,064,940
68$8,842,270$0$0$4,413,804
69$9,600,841$0$0$4,796,180
70$10,432,272$0$0$5,215,423
71$11,343,851$0$0$5,675,224
72$12,343,607$0$0$6,179,652
73$13,440,383$0$0$6,733,186
74$14,643,918$0$0$7,340,761
75$15,964,941$0$0$8,007,815
76$17,415,270$0$0$8,740,334
77$19,007,923$0$0$9,544,915
78$20,757,239$0$0$10,428,825
79$22,679,017$0$0$11,400,069
80$24,790,659$0$0$12,467,467
81$27,111,337$0$0$13,640,734
82$29,662,174$0$0$14,930,574
83$32,466,438$0$0$16,348,780
84$35,549,768$0$0$17,908,344
85$38,940,407$0$0$19,623,582
86$42,669,475$0$0$21,510,264
87$46,771,258$0$0$23,585,768
88$51,283,533$0$0$25,869,239
89$56,247,920$0$0$28,381,773
90$61,710,278$0$0$31,146,612
91$67,721,137$0$0$34,189,366
92$74,336,170$0$0$37,538,254
93$81,616,722$0$0$41,224,368
94$89,630,386$0$0$45,281,968
95$98,451,640$0$0$49,748,804
96$108,162,548$0$0$54,666,471
97$118,853,537$0$0$60,080,804
98$130,624,248$0$0$66,042,307
99$143,584,471$0$0$72,606,630
100$157,855,189$0$0$79,835,098