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%11.7%
1 years$75,312$74,641$73,987$73,348$72,724$72,205
2 years$37,283$36,589$35,916$35,263$34,631$34,107
3 years$24,609$23,911$23,240$22,594$21,971$21,460
4 years$18,273$17,577$16,913$16,277$15,670$15,174
5 years$14,472$13,781$13,125$12,503$11,912$11,434
6 years$11,939$11,253$10,607$9,998$9,426$8,965
7 years$10,130$9,450$8,814$8,220$7,666$7,223
8 years$8,775$8,101$7,475$6,896$6,359$5,935
9 years$7,721$7,053$6,438$5,874$5,355$4,949
10 years$6,878$6,217$5,613$5,063$4,563$4,175
11 years$6,189$5,535$4,942$4,406$3,924$3,553
12 years$5,615$4,968$4,386$3,865$3,401$3,047
13 years$5,130$4,489$3,918$3,412$2,966$2,629
14 years$4,715$4,081$3,521$3,029$2,600$2,279
15 years$4,355$3,728$3,179$2,701$2,289$1,984
16 years$4,041$3,420$2,882$2,419$2,023$1,734
17 years$3,763$3,150$2,622$2,173$1,794$1,519
18 years$3,517$2,911$2,394$1,959$1,595$1,335
19 years$3,297$2,697$2,192$1,770$1,422$1,176
20 years$3,100$2,507$2,011$1,603$1,270$1,038
21 years$2,921$2,335$1,850$1,455$1,136$917
22 years$2,759$2,179$1,705$1,323$1,019$812
23 years$2,611$2,038$1,574$1,205$914$719
24 years$2,476$1,910$1,456$1,099$822$638
25 years$2,351$1,792$1,349$1,003$739$567
26 years$2,237$1,684$1,251$917$666$504
27 years$2,131$1,585$1,161$840$601$449
28 years$2,033$1,494$1,080$769$542$399
29 years$1,941$1,409$1,005$705$489$356
30 years$1,856$1,331$936$647$442$317
31 years$1,777$1,258$872$595$400$283
32 years$1,703$1,190$814$547$362$252
33 years$1,633$1,127$760$503$327$225
34 years$1,568$1,068$710$462$296$201
35 years$1,506$1,013$664$426$268$179
36 years$1,448$962$621$392$243$160
37 years$1,394$914$581$361$220$143
38 years$1,342$868$544$333$200$128
39 years$1,293$826$510$307$181$114
40 years$1,247$785$478$283$164$102
41 years$1,203$748$448$261$149$91
42 years$1,161$712$420$241$135$82
43 years$1,121$678$395$223$123$73
44 years$1,084$647$370$205$111$65
45 years$1,048$617$348$190$101$59
46 years$1,013$588$327$175$92$52
47 years$980$561$307$162$83$47
48 years$949$536$288$150$76$42
49 years$919$512$271$138$69$38
50 years$890$489$255$128$62$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $912,000, adding $5,342 every year, while hoping to spend $40,873 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: 38/40/22 Blend
34$912,000$912,000$912,000$912,000
35$1,010,534$962,198$948,062$1,042,108
36$1,070,120$965,857$936,334$1,069,150
37$1,134,414$968,326$922,843$1,094,132
38$1,203,853$969,502$907,486$1,120,305
39$1,278,917$969,279$890,158$1,147,801
40$1,360,134$967,541$870,746$1,176,767
41$1,448,084$964,167$849,132$1,207,370
42$1,543,406$959,029$825,195$1,239,793
43$1,646,800$951,988$798,806$1,274,244
44$1,759,038$942,900$769,831$1,310,956
45$1,880,970$931,612$738,130$1,350,187
46$2,013,527$917,959$703,556$1,392,225
47$2,157,737$901,769$665,955$1,437,395
48$2,314,729$882,859$625,168$1,486,056
49$2,485,748$861,035$581,027$1,538,608
50$2,672,160$836,092$533,357$1,595,500
51$2,875,471$807,811$481,975$1,657,228
52$3,097,339$775,964$426,691$1,724,348
53$3,339,587$740,305$367,305$1,797,475
54$3,604,223$700,579$303,608$1,877,295
55$3,893,459$656,512$235,384$1,964,569
56$4,209,727$607,816$162,404$2,060,146
57$4,555,707$554,187$84,433$2,164,965
58$4,934,349$495,303$1,222$2,280,070
59$5,348,903$430,823$0$2,406,622
60$5,802,946$360,388$0$2,566,463
61$6,300,417$283,618$0$2,742,105
62$6,845,656$200,112$0$2,934,909
63$7,443,441$109,445$0$3,146,698
64$8,099,035$11,171$0$3,379,488
65$8,818,236$0$0$3,635,506
66$9,607,427$0$0$3,959,114
67$10,473,643$0$0$4,319,831
68$11,424,629$0$0$4,715,984
69$12,468,921$0$0$5,151,143
70$13,615,918$0$0$5,629,244
71$14,875,976$0$0$6,154,620
72$16,260,505$0$0$6,732,048
73$17,782,071$0$0$7,366,787
74$19,454,522$0$0$8,064,634
75$21,293,111$0$0$8,831,974
76$23,314,644$0$0$9,675,843
77$25,537,637$0$0$10,603,990
78$27,982,489$0$0$11,624,957
79$30,671,677$0$0$12,748,152
80$33,629,964$0$0$13,983,943
81$36,884,635$0$0$15,343,752
82$40,465,750$0$0$16,840,165
83$44,406,434$0$0$18,487,050
84$48,743,183$0$0$20,299,686
85$53,516,210$0$0$22,294,911
86$58,769,825$0$0$24,491,275
87$64,552,849$0$0$26,909,220
88$70,919,080$0$0$29,571,271
89$77,927,794$0$0$32,502,245
90$85,644,308$0$0$35,729,493
91$94,140,595$0$0$39,283,148
92$103,495,962$0$0$43,196,418
93$113,797,796$0$0$47,505,892
94$125,142,392$0$0$52,251,891
95$137,635,860$0$0$57,478,844
96$151,395,123$0$0$63,235,710
97$166,549,023$0$0$69,576,438
98$183,239,537$0$0$76,560,477
99$201,623,112$0$0$84,253,337
100$221,872,146$0$0$92,727,204