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%11%
1 years$75,312$74,641$73,987$73,348$72,724$72,418
2 years$37,283$36,589$35,916$35,263$34,631$34,321
3 years$24,609$23,911$23,240$22,594$21,971$21,668
4 years$18,273$17,577$16,913$16,277$15,670$15,376
5 years$14,472$13,781$13,125$12,503$11,912$11,628
6 years$11,939$11,253$10,607$9,998$9,426$9,152
7 years$10,130$9,450$8,814$8,220$7,666$7,402
8 years$8,775$8,101$7,475$6,896$6,359$6,106
9 years$7,721$7,053$6,438$5,874$5,355$5,113
10 years$6,878$6,217$5,613$5,063$4,563$4,331
11 years$6,189$5,535$4,942$4,406$3,924$3,702
12 years$5,615$4,968$4,386$3,865$3,401$3,188
13 years$5,130$4,489$3,918$3,412$2,966$2,763
14 years$4,715$4,081$3,521$3,029$2,600$2,406
15 years$4,355$3,728$3,179$2,701$2,289$2,105
16 years$4,041$3,420$2,882$2,419$2,023$1,848
17 years$3,763$3,150$2,622$2,173$1,794$1,627
18 years$3,517$2,911$2,394$1,959$1,595$1,437
19 years$3,297$2,697$2,192$1,770$1,422$1,272
20 years$3,100$2,507$2,011$1,603$1,270$1,128
21 years$2,921$2,335$1,850$1,455$1,136$1,002
22 years$2,759$2,179$1,705$1,323$1,019$892
23 years$2,611$2,038$1,574$1,205$914$795
24 years$2,476$1,910$1,456$1,099$822$709
25 years$2,351$1,792$1,349$1,003$739$633
26 years$2,237$1,684$1,251$917$666$566
27 years$2,131$1,585$1,161$840$601$506
28 years$2,033$1,494$1,080$769$542$453
29 years$1,941$1,409$1,005$705$489$406
30 years$1,856$1,331$936$647$442$364
31 years$1,777$1,258$872$595$400$326
32 years$1,703$1,190$814$547$362$293
33 years$1,633$1,127$760$503$327$263
34 years$1,568$1,068$710$462$296$236
35 years$1,506$1,013$664$426$268$212
36 years$1,448$962$621$392$243$190
37 years$1,394$914$581$361$220$171
38 years$1,342$868$544$333$200$154
39 years$1,293$826$510$307$181$138
40 years$1,247$785$478$283$164$124
41 years$1,203$748$448$261$149$112
42 years$1,161$712$420$241$135$101
43 years$1,121$678$395$223$123$91
44 years$1,084$647$370$205$111$82
45 years$1,048$617$348$190$101$73
46 years$1,013$588$327$175$92$66
47 years$980$561$307$162$83$59
48 years$949$536$288$150$76$54
49 years$919$512$271$138$69$48
50 years$890$489$255$128$62$43

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $912,000, adding $3,926 every year, while hoping to spend $59,404 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: 46/33/21 Blend
34$912,000$912,000$912,000$912,000
35$1,009,074$960,738$946,602$1,049,260
36$1,048,794$944,608$915,107$1,061,692
37$1,090,574$925,698$880,567$1,068,969
38$1,134,563$903,807$842,816$1,075,640
39$1,180,920$878,725$801,682$1,081,678
40$1,229,820$850,229$756,985$1,087,054
41$1,281,454$818,083$708,536$1,091,744
42$1,336,030$782,037$656,140$1,095,722
43$1,393,775$741,826$599,590$1,098,969
44$1,454,936$697,171$538,672$1,101,467
45$1,519,783$647,776$473,162$1,103,201
46$1,588,613$593,329$402,825$1,104,164
47$1,661,749$533,500$327,416$1,104,350
48$1,739,544$467,938$246,682$1,103,765
49$1,822,385$396,275$160,353$1,102,418
50$1,910,697$318,121$68,154$1,100,328
51$2,004,943$233,064$0$1,097,527
52$2,105,632$140,668$0$1,100,831
53$2,213,321$40,476$0$1,120,256
54$2,328,621$0$0$1,140,657
55$2,452,202$0$0$1,186,889
56$2,584,799$0$0$1,252,336
57$2,727,219$0$0$1,322,706
58$2,880,347$0$0$1,398,447
59$3,045,155$0$0$1,480,049
60$3,222,711$0$0$1,568,052
61$3,414,186$0$0$1,663,048
62$3,620,869$0$0$1,765,688
63$3,844,174$0$0$1,876,687
64$4,085,656$0$0$1,996,831
65$4,347,025$0$0$2,126,985
66$4,630,159$0$0$2,268,098
67$4,937,125$0$0$2,421,216
68$5,270,194$0$0$2,587,488
69$5,631,864$0$0$2,768,177
70$6,024,885$0$0$2,964,675
71$6,452,278$0$0$3,178,512
72$6,917,371$0$0$3,411,370
73$7,423,823$0$0$3,665,102
74$7,975,660$0$0$3,941,746
75$8,577,315$0$0$4,243,547
76$9,233,664$0$0$4,572,973
77$9,950,078$0$0$4,932,743
78$10,732,465$0$0$5,325,850
79$11,587,331$0$0$5,755,587
80$12,521,839$0$0$6,225,582
81$13,543,873$0$0$6,739,829
82$14,662,116$0$0$7,302,725
83$15,886,128$0$0$7,919,113
84$17,226,436$0$0$8,594,325
85$18,694,633$0$0$9,334,233
86$20,303,486$0$0$10,145,305
87$22,067,055$0$0$11,034,665
88$24,000,825$0$0$12,010,158
89$26,121,852$0$0$13,080,424
90$28,448,922$0$0$14,254,982
91$31,002,726$0$0$15,544,317
92$33,806,056$0$0$16,959,976
93$36,884,019$0$0$18,514,682
94$40,264,272$0$0$20,222,449
95$43,977,279$0$0$22,098,715
96$48,056,605$0$0$24,160,487
97$52,539,221$0$0$26,426,504
98$57,465,860$0$0$28,917,405
99$62,881,398$0$0$31,655,934
100$68,835,271$0$0$34,667,145