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%17.9%
1 years$75,230$74,559$73,906$73,268$72,644$70,319
2 years$37,242$36,549$35,877$35,225$34,593$32,271
3 years$24,582$23,885$23,214$22,569$21,947$19,702
4 years$18,252$17,558$16,894$16,260$15,653$13,502
5 years$14,456$13,766$13,111$12,489$11,899$9,848
6 years$11,926$11,241$10,595$9,987$9,415$7,466
7 years$10,119$9,440$8,805$8,211$7,657$5,810
8 years$8,765$8,092$7,467$6,888$6,352$4,605
9 years$7,712$7,045$6,431$5,867$5,350$3,700
10 years$6,870$6,210$5,607$5,058$4,558$3,004
11 years$6,182$5,529$4,936$4,402$3,920$2,459
12 years$5,609$4,962$4,381$3,861$3,397$2,026
13 years$5,125$4,484$3,914$3,409$2,962$1,677
14 years$4,710$4,076$3,517$3,026$2,597$1,394
15 years$4,350$3,724$3,175$2,698$2,286$1,163
16 years$4,036$3,416$2,879$2,416$2,021$973
17 years$3,759$3,146$2,620$2,171$1,792$816
18 years$3,513$2,907$2,391$1,956$1,593$685
19 years$3,294$2,694$2,189$1,768$1,420$576
20 years$3,096$2,504$2,009$1,601$1,268$485
21 years$2,918$2,332$1,848$1,453$1,135$409
22 years$2,756$2,177$1,703$1,321$1,017$345
23 years$2,608$2,036$1,573$1,203$913$292
24 years$2,473$1,908$1,454$1,097$821$247
25 years$2,349$1,790$1,347$1,002$739$209
26 years$2,234$1,683$1,249$916$665$176
27 years$2,128$1,584$1,160$839$600$149
28 years$2,030$1,492$1,078$768$541$126
29 years$1,939$1,408$1,004$705$489$107
30 years$1,854$1,329$935$647$442$91
31 years$1,775$1,257$872$594$399$77
32 years$1,701$1,189$813$546$361$65
33 years$1,631$1,126$759$502$327$55
34 years$1,566$1,067$709$462$296$47
35 years$1,505$1,012$663$425$268$40
36 years$1,447$961$620$392$243$34
37 years$1,392$913$581$361$220$29
38 years$1,341$867$544$333$200$24
39 years$1,292$825$509$307$181$20
40 years$1,245$785$478$283$164$17
41 years$1,202$747$448$261$149$15
42 years$1,160$711$420$241$135$12
43 years$1,120$678$394$222$123$11
44 years$1,082$646$370$205$111$9
45 years$1,046$616$347$190$101$8
46 years$1,012$588$326$175$92$6
47 years$979$561$307$162$83$5
48 years$948$535$288$149$76$5
49 years$918$511$271$138$69$4
50 years$889$488$255$128$62$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $911,000, adding $4,158 every year, while hoping to spend $35,657 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: 64/19/17 Blend
34$911,000$911,000$911,000$911,000
35$1,008,211$959,928$945,807$1,068,224
36$1,073,110$969,026$939,553$1,118,100
37$1,143,433$977,374$931,894$1,168,112
38$1,219,697$984,899$922,746$1,221,891
39$1,302,468$991,521$912,020$1,279,805
40$1,392,370$997,156$899,623$1,342,261
41$1,490,089$1,001,714$885,458$1,409,709
42$1,596,380$1,005,099$869,423$1,482,643
43$1,712,073$1,007,212$851,411$1,561,611
44$1,838,082$1,007,943$831,310$1,647,216
45$1,975,412$1,007,178$809,005$1,740,124
46$2,125,170$1,004,795$784,373$1,841,069
47$2,288,574$1,000,667$757,286$1,950,864
48$2,466,964$994,655$727,610$2,070,402
49$2,661,816$986,615$695,207$2,200,670
50$2,874,754$976,392$659,930$2,342,759
51$3,107,567$963,823$621,625$2,497,871
52$3,362,224$948,736$580,135$2,667,332
53$3,640,893$930,946$535,292$2,852,605
54$3,945,962$910,260$486,922$3,055,305
55$4,280,059$886,472$434,843$3,277,213
56$4,646,080$859,364$378,865$3,520,295
57$5,047,212$828,705$318,789$3,786,719
58$5,486,968$794,252$254,409$4,078,876
59$5,969,215$755,746$185,508$4,399,405
60$6,498,212$712,915$111,859$4,751,215
61$7,078,651$665,469$33,228$5,137,518
62$7,715,700$613,104$0$5,561,853
63$8,415,052$555,496$0$6,037,321
64$9,182,976$492,304$0$6,566,064
65$10,026,380$423,168$0$7,146,849
66$10,952,874$347,706$0$7,784,967
67$11,970,841$265,517$0$8,486,248
68$13,089,514$176,175$0$9,257,120
69$14,319,068$79,231$0$10,104,670
70$15,670,710$0$0$11,036,708
71$17,156,790$0$0$12,067,234
72$18,790,911$0$0$13,218,704
73$20,588,063$0$0$14,485,124
74$22,564,759$0$0$15,878,139
75$24,739,195$0$0$17,410,580
76$27,131,418$0$0$19,096,586
77$29,763,515$0$0$20,951,734
78$32,659,824$0$0$22,993,186
79$35,847,160$0$0$25,239,855
80$39,355,069$0$0$27,712,577
81$43,216,107$0$0$30,434,311
82$47,466,146$0$0$33,430,357
83$52,144,712$0$0$36,728,589
84$57,295,357$0$0$40,359,723
85$62,966,073$0$0$44,357,605
86$69,209,740$0$0$48,759,528
87$76,084,626$0$0$53,606,587
88$83,654,938$0$0$58,944,064
89$91,991,427$0$0$64,821,856
90$101,172,054$0$0$71,294,946
91$111,282,726$0$0$78,423,921
92$122,418,108$0$0$86,275,544
93$134,682,511$0$0$94,923,382
94$148,190,883$0$0$104,448,503
95$163,069,887$0$0$114,940,239
96$179,459,101$0$0$126,497,029
97$197,512,332$0$0$139,227,347
98$217,399,067$0$0$153,250,727
99$239,306,074$0$0$168,698,892
100$263,439,163$0$0$185,716,992