Can I retire at age 35 with 912,000?

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 $912,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$75,312$74,641$73,987$73,348$72,724$71,314
2 years$37,283$36,589$35,916$35,263$34,631$33,216
3 years$24,609$23,911$23,240$22,594$21,971$20,595
4 years$18,273$17,577$16,913$16,277$15,670$14,344
5 years$14,472$13,781$13,125$12,503$11,912$10,640
6 years$11,939$11,253$10,607$9,998$9,426$8,209
7 years$10,130$9,450$8,814$8,220$7,666$6,504
8 years$8,775$8,101$7,475$6,896$6,359$5,253
9 years$7,721$7,053$6,438$5,874$5,355$4,303
10 years$6,878$6,217$5,613$5,063$4,563$3,564
11 years$6,189$5,535$4,942$4,406$3,924$2,978
12 years$5,615$4,968$4,386$3,865$3,401$2,505
13 years$5,130$4,489$3,918$3,412$2,966$2,119
14 years$4,715$4,081$3,521$3,029$2,600$1,801
15 years$4,355$3,728$3,179$2,701$2,289$1,536
16 years$4,041$3,420$2,882$2,419$2,023$1,315
17 years$3,763$3,150$2,622$2,173$1,794$1,128
18 years$3,517$2,911$2,394$1,959$1,595$970
19 years$3,297$2,697$2,192$1,770$1,422$836
20 years$3,100$2,507$2,011$1,603$1,270$721
21 years$2,921$2,335$1,850$1,455$1,136$623
22 years$2,759$2,179$1,705$1,323$1,019$539
23 years$2,611$2,038$1,574$1,205$914$467
24 years$2,476$1,910$1,456$1,099$822$405
25 years$2,351$1,792$1,349$1,003$739$351
26 years$2,237$1,684$1,251$917$666$305
27 years$2,131$1,585$1,161$840$601$265
28 years$2,033$1,494$1,080$769$542$230
29 years$1,941$1,409$1,005$705$489$200
30 years$1,856$1,331$936$647$442$174
31 years$1,777$1,258$872$595$400$151
32 years$1,703$1,190$814$547$362$132
33 years$1,633$1,127$760$503$327$115
34 years$1,568$1,068$710$462$296$100
35 years$1,506$1,013$664$426$268$87
36 years$1,448$962$621$392$243$76
37 years$1,394$914$581$361$220$66
38 years$1,342$868$544$333$200$57
39 years$1,293$826$510$307$181$50
40 years$1,247$785$478$283$164$44
41 years$1,203$748$448$261$149$38
42 years$1,161$712$420$241$135$33
43 years$1,121$678$395$223$123$29
44 years$1,084$647$370$205$111$25
45 years$1,048$617$348$190$101$22
46 years$1,013$588$327$175$92$19
47 years$980$561$307$162$83$17
48 years$949$536$288$150$76$15
49 years$919$512$271$138$69$13
50 years$890$489$255$128$62$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $912,000, adding $5,650 every year, while hoping to spend $47,551 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: 50/42/8 Blend
34$912,000$912,000$912,000$912,000
35$1,010,852$962,516$948,380$1,059,024
36$1,063,365$959,085$929,557$1,089,081
37$1,119,641$953,893$908,509$1,116,179
38$1,180,012$946,802$885,113$1,144,508
39$1,244,846$937,668$859,237$1,174,193
40$1,314,545$926,338$830,745$1,205,379
41$1,389,548$912,648$799,495$1,238,225
42$1,470,340$896,426$765,336$1,272,908
43$1,557,453$877,490$728,114$1,309,630
44$1,651,472$855,645$687,664$1,348,613
45$1,753,039$830,688$643,817$1,390,106
46$1,862,858$802,401$596,394$1,434,390
47$1,981,705$770,555$545,209$1,481,773
48$2,110,434$734,906$490,068$1,532,604
49$2,249,980$695,199$430,768$1,587,269
50$2,401,375$651,161$367,096$1,646,198
51$2,565,752$602,505$298,830$1,709,871
52$2,744,358$548,926$225,740$1,778,823
53$2,938,564$490,105$147,584$1,853,647
54$3,149,879$425,702$64,109$1,935,005
55$3,379,963$355,357$0$2,023,633
56$3,630,642$278,693$0$2,122,478
57$3,903,927$195,308$0$2,236,296
58$4,202,031$104,781$0$2,360,641
59$4,527,388$6,666$0$2,496,658
60$4,882,679$0$0$2,645,617
61$5,270,855$0$0$2,854,915
62$5,695,164$0$0$3,087,156
63$6,159,183$0$0$3,341,228
64$6,666,851$0$0$3,619,299
65$7,222,503$0$0$3,923,758
66$7,830,913$0$0$4,257,233
67$8,497,340$0$0$4,622,620
68$9,227,575$0$0$5,023,108
69$10,027,994$0$0$5,462,209
70$10,905,621$0$0$5,943,790
71$11,868,191$0$0$6,472,112
72$12,924,225$0$0$7,051,867
73$14,083,106$0$0$7,688,226
74$15,355,173$0$0$8,386,880
75$16,751,811$0$0$9,154,102
76$18,285,565$0$0$9,996,802
77$19,970,250$0$0$10,922,590
78$21,821,091$0$0$11,939,851
79$23,854,853$0$0$13,057,821
80$26,090,012$0$0$14,286,679
81$28,546,919$0$0$15,637,633
82$31,247,996$0$0$17,123,038
83$34,217,946$0$0$18,756,500
84$37,483,983$0$0$20,553,012
85$41,076,095$0$0$22,529,095
86$45,027,318$0$0$24,702,948
87$49,374,051$0$0$27,094,624
88$54,156,400$0$0$29,726,219
89$59,418,554$0$0$32,622,076
90$65,209,202$0$0$35,809,020
91$71,581,988$0$0$39,316,606
92$78,596,025$0$0$43,177,400
93$86,316,443$0$0$47,427,287
94$94,815,007$0$0$52,105,804
95$104,170,795$0$0$57,256,519
96$114,470,940$0$0$62,927,439
97$125,811,454$0$0$69,171,462
98$138,298,131$0$0$76,046,875
99$152,047,547$0$0$83,617,909
100$167,188,159$0$0$91,955,336