Can I retire at age 35 with 911,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $911,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$75,230$74,559$73,906$73,268$72,644$71,796
2 years$37,242$36,549$35,877$35,225$34,593$33,739
3 years$24,582$23,885$23,214$22,569$21,947$21,114
4 years$18,252$17,558$16,894$16,260$15,653$14,847
5 years$14,456$13,766$13,111$12,489$11,899$11,123
6 years$11,926$11,241$10,595$9,987$9,415$8,670
7 years$10,119$9,440$8,805$8,211$7,657$6,943
8 years$8,765$8,092$7,467$6,888$6,352$5,669
9 years$7,712$7,045$6,431$5,867$5,350$4,697
10 years$6,870$6,210$5,607$5,058$4,558$3,936
11 years$6,182$5,529$4,936$4,402$3,920$3,327
12 years$5,609$4,962$4,381$3,861$3,397$2,833
13 years$5,125$4,484$3,914$3,409$2,962$2,427
14 years$4,710$4,076$3,517$3,026$2,597$2,089
15 years$4,350$3,724$3,175$2,698$2,286$1,805
16 years$4,036$3,416$2,879$2,416$2,021$1,566
17 years$3,759$3,146$2,620$2,171$1,792$1,362
18 years$3,513$2,907$2,391$1,956$1,593$1,187
19 years$3,294$2,694$2,189$1,768$1,420$1,037
20 years$3,096$2,504$2,009$1,601$1,268$908
21 years$2,918$2,332$1,848$1,453$1,135$796
22 years$2,756$2,177$1,703$1,321$1,017$699
23 years$2,608$2,036$1,573$1,203$913$614
24 years$2,473$1,908$1,454$1,097$821$540
25 years$2,349$1,790$1,347$1,002$739$476
26 years$2,234$1,683$1,249$916$665$419
27 years$2,128$1,584$1,160$839$600$370
28 years$2,030$1,492$1,078$768$541$326
29 years$1,939$1,408$1,004$705$489$288
30 years$1,854$1,329$935$647$442$255
31 years$1,775$1,257$872$594$399$225
32 years$1,701$1,189$813$546$361$199
33 years$1,631$1,126$759$502$327$176
34 years$1,566$1,067$709$462$296$156
35 years$1,505$1,012$663$425$268$138
36 years$1,447$961$620$392$243$122
37 years$1,392$913$581$361$220$108
38 years$1,341$867$544$333$200$96
39 years$1,292$825$509$307$181$85
40 years$1,245$785$478$283$164$75
41 years$1,202$747$448$261$149$66
42 years$1,160$711$420$241$135$59
43 years$1,120$678$394$222$123$52
44 years$1,082$646$370$205$111$46
45 years$1,046$616$347$190$101$41
46 years$1,012$588$326$175$92$36
47 years$979$561$307$162$83$32
48 years$948$535$288$149$76$28
49 years$918$511$271$138$69$25
50 years$889$488$255$128$62$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $911,000, adding $5,754 every year, while hoping to spend $30,062 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: 25/47/28 Blend
34$911,000$911,000$911,000$911,000
35$1,009,857$961,574$947,454$1,026,131
36$1,080,877$976,706$947,208$1,055,282
37$1,158,133$991,571$945,946$1,083,588
38$1,242,230$1,006,125$943,603$1,113,315
39$1,333,833$1,020,321$940,109$1,144,601
40$1,433,674$1,034,106$935,392$1,177,603
41$1,542,557$1,047,426$929,376$1,212,493
42$1,661,371$1,060,223$921,983$1,249,464
43$1,791,089$1,072,432$913,128$1,288,729
44$1,932,787$1,083,989$902,725$1,330,526
45$2,087,647$1,094,820$890,682$1,375,120
46$2,256,971$1,104,850$876,903$1,422,804
47$2,442,192$1,113,997$861,290$1,473,903
48$2,644,888$1,122,175$843,735$1,528,780
49$2,866,797$1,129,293$824,131$1,587,837
50$3,109,833$1,135,251$802,363$1,651,519
51$3,376,104$1,139,946$778,309$1,720,321
52$3,667,930$1,143,266$751,846$1,794,791
53$3,987,867$1,145,095$722,841$1,875,537
54$4,338,730$1,145,306$691,157$1,963,234
55$4,723,621$1,143,766$656,651$2,058,629
56$5,145,955$1,140,335$619,173$2,162,550
57$5,609,493$1,134,862$578,566$2,275,914
58$6,118,379$1,127,188$534,666$2,399,737
59$6,677,178$1,117,145$487,302$2,535,144
60$7,290,919$1,104,553$436,295$2,683,381
61$7,965,140$1,089,224$381,459$2,845,825
62$8,705,945$1,070,956$322,598$3,024,003
63$9,520,054$1,049,536$259,508$3,219,603
64$10,414,875$1,024,739$191,977$3,434,494
65$11,398,567$996,325$119,783$3,670,739
66$12,480,118$964,043$42,693$3,930,626
67$13,669,433$927,624$0$4,216,680
68$14,977,423$886,785$0$4,543,518
69$16,416,110$841,227$0$4,916,785
70$17,998,739$790,633$0$5,327,206
71$19,739,904$734,668$0$5,778,635
72$21,655,684$672,977$0$6,275,327
73$23,763,797$605,186$0$6,821,976
74$26,083,764$530,899$0$7,423,767
75$28,637,092$449,698$0$8,086,416
76$31,447,483$361,140$0$8,816,236
77$34,541,050$264,760$0$9,620,189
78$37,946,568$160,064$0$10,505,959
79$41,695,742$46,531$0$11,482,023
80$45,823,508$0$0$12,557,735
81$50,368,362$0$0$13,782,920
82$55,372,724$0$0$15,158,674
83$60,883,335$0$0$16,673,807
84$66,951,699$0$0$18,342,505
85$73,634,572$0$0$20,180,402
86$80,994,492$0$0$22,204,724
87$89,100,374$0$0$24,434,453
88$98,028,156$0$0$26,890,507
89$107,861,518$0$0$29,595,936
90$118,692,668$0$0$32,576,141
91$130,623,219$0$0$35,859,111
92$143,765,138$0$0$39,475,691
93$158,241,811$0$0$43,459,869
94$174,189,202$0$0$47,849,099
95$191,757,139$0$0$52,684,655
96$211,110,726$0$0$58,012,018
97$232,431,901$0$0$63,881,309
98$255,921,155$0$0$70,347,757
99$281,799,420$0$0$77,472,226
100$310,310,158$0$0$85,321,783