Can I retire at age 35 with 911,000?

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 $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%19.1%
1 years$75,230$74,559$73,906$73,268$72,644$69,983
2 years$37,242$36,549$35,877$35,225$34,593$31,941
3 years$24,582$23,885$23,214$22,569$21,947$19,389
4 years$18,252$17,558$16,894$16,260$15,653$13,207
5 years$14,456$13,766$13,111$12,489$11,899$9,572
6 years$11,926$11,241$10,595$9,987$9,415$7,209
7 years$10,119$9,440$8,805$8,211$7,657$5,571
8 years$8,765$8,092$7,467$6,888$6,352$4,385
9 years$7,712$7,045$6,431$5,867$5,350$3,498
10 years$6,870$6,210$5,607$5,058$4,558$2,818
11 years$6,182$5,529$4,936$4,402$3,920$2,289
12 years$5,609$4,962$4,381$3,861$3,397$1,871
13 years$5,125$4,484$3,914$3,409$2,962$1,536
14 years$4,710$4,076$3,517$3,026$2,597$1,266
15 years$4,350$3,724$3,175$2,698$2,286$1,047
16 years$4,036$3,416$2,879$2,416$2,021$869
17 years$3,759$3,146$2,620$2,171$1,792$722
18 years$3,513$2,907$2,391$1,956$1,593$601
19 years$3,294$2,694$2,189$1,768$1,420$501
20 years$3,096$2,504$2,009$1,601$1,268$418
21 years$2,918$2,332$1,848$1,453$1,135$349
22 years$2,756$2,177$1,703$1,321$1,017$292
23 years$2,608$2,036$1,573$1,203$913$244
24 years$2,473$1,908$1,454$1,097$821$205
25 years$2,349$1,790$1,347$1,002$739$171
26 years$2,234$1,683$1,249$916$665$144
27 years$2,128$1,584$1,160$839$600$120
28 years$2,030$1,492$1,078$768$541$101
29 years$1,939$1,408$1,004$705$489$85
30 years$1,854$1,329$935$647$442$71
31 years$1,775$1,257$872$594$399$60
32 years$1,701$1,189$813$546$361$50
33 years$1,631$1,126$759$502$327$42
34 years$1,566$1,067$709$462$296$35
35 years$1,505$1,012$663$425$268$30
36 years$1,447$961$620$392$243$25
37 years$1,392$913$581$361$220$21
38 years$1,341$867$544$333$200$17
39 years$1,292$825$509$307$181$15
40 years$1,245$785$478$283$164$12
41 years$1,202$747$448$261$149$10
42 years$1,160$711$420$241$135$9
43 years$1,120$678$394$222$123$7
44 years$1,082$646$370$205$111$6
45 years$1,046$616$347$190$101$5
46 years$1,012$588$326$175$92$4
47 years$979$561$307$162$83$4
48 years$948$535$288$149$76$3
49 years$918$511$271$138$69$3
50 years$889$488$255$128$62$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $911,000, adding $3,135 every year, while hoping to spend $24,804 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: 56/18/26 Blend
34$911,000$911,000$911,000$911,000
35$1,007,156$958,873$944,752$1,056,213
36$1,083,494$979,466$950,010$1,110,836
37$1,166,788$1,000,238$954,613$1,167,459
38$1,257,721$1,021,169$958,512$1,228,640
39$1,357,043$1,042,242$961,658$1,294,824
40$1,465,585$1,063,435$963,996$1,366,505
41$1,584,256$1,084,725$965,472$1,444,227
42$1,714,062$1,106,087$966,027$1,528,587
43$1,856,106$1,127,495$965,598$1,620,247
44$2,011,605$1,148,919$964,123$1,719,935
45$2,181,900$1,170,328$961,532$1,828,453
46$2,368,467$1,191,686$957,756$1,946,687
47$2,572,929$1,212,958$952,720$2,075,613
48$2,797,077$1,234,102$946,345$2,216,306
49$3,042,883$1,255,077$938,551$2,369,954
50$3,312,516$1,275,835$929,252$2,537,863
51$3,608,368$1,296,326$918,358$2,721,478
52$3,933,074$1,316,499$905,775$2,922,386
53$4,289,534$1,336,294$891,405$3,142,343
54$4,680,945$1,355,650$875,145$3,383,282
55$5,110,826$1,374,502$856,888$3,647,333
56$5,583,058$1,392,780$836,520$3,936,846
57$6,101,910$1,410,407$813,925$4,254,412
58$6,672,092$1,427,303$788,978$4,602,888
59$7,298,787$1,443,383$761,550$4,985,423
60$7,987,708$1,458,554$731,507$5,405,489
61$8,745,150$1,472,718$698,708$5,866,913
62$9,578,045$1,485,771$663,005$6,373,915
63$10,494,034$1,497,602$624,243$6,931,147
64$11,501,533$1,508,092$582,263$7,543,739
65$12,609,815$1,517,115$536,895$8,217,343
66$13,829,099$1,524,537$487,964$8,958,193
67$15,170,643$1,530,214$435,286$9,773,160
68$16,646,849$1,533,995$378,669$10,669,819
69$18,271,385$1,535,719$317,912$11,656,520
70$20,059,311$1,535,214$252,807$12,742,468
71$22,027,219$1,532,298$183,134$13,937,809
72$24,193,392$1,526,777$108,666$15,253,729
73$26,577,976$1,518,447$29,164$16,702,557
74$29,203,168$1,507,089$0$18,297,884
75$32,093,429$1,492,474$0$20,070,139
76$35,275,709$1,474,356$0$22,030,026
77$38,779,708$1,452,476$0$24,187,724
78$42,638,149$1,426,559$0$26,563,377
79$46,887,094$1,396,313$0$29,179,181
80$51,566,276$1,361,431$0$32,059,599
81$56,719,481$1,321,586$0$35,231,590
82$62,394,956$1,276,432$0$38,724,861
83$68,645,867$1,225,603$0$42,572,154
84$75,530,800$1,168,712$0$46,809,549
85$83,114,312$1,105,349$0$51,476,807
86$91,467,543$1,035,082$0$56,617,748
87$100,668,884$957,453$0$62,280,661
88$110,804,719$871,976$0$68,518,763
89$121,970,238$778,141$0$75,390,701
90$134,270,339$675,407$0$82,961,106
91$147,820,613$563,201$0$91,301,203
92$162,748,437$440,920$0$100,489,485
93$179,194,179$307,926$0$110,612,453
94$197,312,517$163,546$0$121,765,434
95$217,273,901$7,067$0$134,053,483
96$239,266,166$0$0$147,592,371
97$263,496,296$0$0$162,541,823
98$290,192,387$0$0$179,014,404
99$319,605,792$0$0$197,163,827
100$352,013,499$0$0$217,161,026