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%13.7%
1 years$75,230$74,559$73,906$73,268$72,644$71,529
2 years$37,242$36,549$35,877$35,225$34,593$33,472
3 years$24,582$23,885$23,214$22,569$21,947$20,855
4 years$18,252$17,558$16,894$16,260$15,653$14,599
5 years$14,456$13,766$13,111$12,489$11,899$10,886
6 years$11,926$11,241$10,595$9,987$9,415$8,444
7 years$10,119$9,440$8,805$8,211$7,657$6,728
8 years$8,765$8,092$7,467$6,888$6,352$5,465
9 years$7,712$7,045$6,431$5,867$5,350$4,504
10 years$6,870$6,210$5,607$5,058$4,558$3,753
11 years$6,182$5,529$4,936$4,402$3,920$3,156
12 years$5,609$4,962$4,381$3,861$3,397$2,672
13 years$5,125$4,484$3,914$3,409$2,962$2,275
14 years$4,710$4,076$3,517$3,026$2,597$1,946
15 years$4,350$3,724$3,175$2,698$2,286$1,672
16 years$4,036$3,416$2,879$2,416$2,021$1,441
17 years$3,759$3,146$2,620$2,171$1,792$1,245
18 years$3,513$2,907$2,391$1,956$1,593$1,079
19 years$3,294$2,694$2,189$1,768$1,420$936
20 years$3,096$2,504$2,009$1,601$1,268$814
21 years$2,918$2,332$1,848$1,453$1,135$709
22 years$2,756$2,177$1,703$1,321$1,017$618
23 years$2,608$2,036$1,573$1,203$913$539
24 years$2,473$1,908$1,454$1,097$821$471
25 years$2,349$1,790$1,347$1,002$739$412
26 years$2,234$1,683$1,249$916$665$361
27 years$2,128$1,584$1,160$839$600$316
28 years$2,030$1,492$1,078$768$541$277
29 years$1,939$1,408$1,004$705$489$243
30 years$1,854$1,329$935$647$442$213
31 years$1,775$1,257$872$594$399$187
32 years$1,701$1,189$813$546$361$164
33 years$1,631$1,126$759$502$327$144
34 years$1,566$1,067$709$462$296$126
35 years$1,505$1,012$663$425$268$111
36 years$1,447$961$620$392$243$97
37 years$1,392$913$581$361$220$85
38 years$1,341$867$544$333$200$75
39 years$1,292$825$509$307$181$66
40 years$1,245$785$478$283$164$58
41 years$1,202$747$448$261$149$51
42 years$1,160$711$420$241$135$45
43 years$1,120$678$394$222$123$39
44 years$1,082$646$370$205$111$35
45 years$1,046$616$347$190$101$30
46 years$1,012$588$326$175$92$27
47 years$979$561$307$162$83$24
48 years$948$535$288$149$76$21
49 years$918$511$271$138$69$18
50 years$889$488$255$128$62$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $911,000, adding $4,424 every year, while hoping to spend $49,678 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: 47/37/16 Blend
34$911,000$911,000$911,000$911,000
35$1,008,485$960,202$946,082$1,051,136
36$1,058,494$954,395$924,919$1,075,386
37$1,111,938$946,639$901,381$1,096,283
38$1,169,116$936,784$875,338$1,117,889
39$1,230,355$924,676$846,651$1,140,291
40$1,296,013$910,147$815,176$1,163,584
41$1,366,483$893,021$780,761$1,187,880
42$1,442,197$873,111$743,249$1,213,304
43$1,523,628$850,221$702,474$1,239,996
44$1,611,297$824,140$658,266$1,268,118
45$1,705,773$794,647$610,442$1,297,848
46$1,807,685$761,508$558,815$1,329,391
47$1,917,722$724,475$503,188$1,362,973
48$2,036,641$683,285$443,356$1,398,852
49$2,165,273$637,661$379,103$1,437,316
50$2,304,535$587,310$310,207$1,478,688
51$2,455,430$531,921$236,432$1,523,329
52$2,619,066$471,167$157,534$1,571,645
53$2,796,658$404,702$73,259$1,624,089
54$2,989,543$332,158$0$1,681,168
55$3,199,193$253,150$0$1,746,295
56$3,427,226$167,270$0$1,830,788
57$3,675,422$74,085$0$1,922,880
58$3,945,741$0$0$2,023,409
59$4,240,338$0$0$2,144,241
60$4,561,586$0$0$2,308,991
61$4,912,096$0$0$2,488,844
62$5,294,743$0$0$2,685,290
63$5,712,691$0$0$2,899,964
64$6,169,423$0$0$3,134,670
65$6,668,774$0$0$3,391,391
66$7,214,966$0$0$3,672,312
67$7,812,648$0$0$3,979,841
68$8,466,939$0$0$4,316,625
69$9,183,475$0$0$4,685,582
70$9,968,465$0$0$5,089,926
71$10,828,744$0$0$5,533,195
72$11,771,842$0$0$6,019,287
73$12,806,050$0$0$6,552,494
74$13,940,503$0$0$7,137,543
75$15,185,259$0$0$7,779,644
76$16,551,400$0$0$8,484,533
77$18,051,130$0$0$9,258,528
78$19,697,894$0$0$10,108,590
79$21,506,503$0$0$11,042,388
80$23,493,272$0$0$12,068,370
81$25,676,174$0$0$13,195,840
82$28,075,009$0$0$14,435,052
83$30,711,592$0$0$15,797,301
84$33,609,953$0$0$17,295,031
85$36,796,570$0$0$18,941,950
86$40,300,611$0$0$20,753,164
87$44,154,213$0$0$22,745,315
88$48,392,787$0$0$24,936,738
89$53,055,342$0$0$27,347,636
90$58,184,862$0$0$30,000,266
91$63,828,706$0$0$32,919,155
92$70,039,056$0$0$36,131,324
93$76,873,405$0$0$39,666,549
94$84,395,105$0$0$43,557,637
95$92,673,957$0$0$47,840,736
96$101,786,875$0$0$52,555,677
97$111,818,606$0$0$57,746,352
98$122,862,531$0$0$63,461,120
99$135,021,548$0$0$69,753,271
100$148,409,036$0$0$76,681,523