Can I retire at age 35 with 913,000?

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 $913,000?

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%
1 years$75,395$74,723$74,068$73,428$72,804$72,467
2 years$37,324$36,629$35,955$35,302$34,669$34,328
3 years$24,636$23,937$23,265$22,618$21,995$21,662
4 years$18,293$17,597$16,931$16,295$15,687$15,364
5 years$14,488$13,796$13,139$12,516$11,925$11,613
6 years$11,952$11,265$10,619$10,009$9,436$9,135
7 years$10,141$9,461$8,824$8,229$7,674$7,384
8 years$8,784$8,110$7,484$6,903$6,366$6,088
9 years$7,729$7,061$6,446$5,880$5,361$5,095
10 years$6,886$6,224$5,619$5,069$4,568$4,313
11 years$6,196$5,541$4,947$4,411$3,929$3,685
12 years$5,621$4,973$4,391$3,869$3,405$3,171
13 years$5,136$4,494$3,923$3,416$2,969$2,746
14 years$4,720$4,085$3,525$3,032$2,602$2,390
15 years$4,360$3,732$3,182$2,704$2,291$2,089
16 years$4,045$3,424$2,885$2,421$2,025$1,833
17 years$3,767$3,153$2,625$2,176$1,796$1,613
18 years$3,521$2,914$2,397$1,961$1,597$1,424
19 years$3,301$2,700$2,194$1,772$1,423$1,259
20 years$3,103$2,509$2,014$1,605$1,271$1,116
21 years$2,924$2,337$1,852$1,456$1,138$991
22 years$2,762$2,182$1,707$1,324$1,020$881
23 years$2,614$2,041$1,576$1,206$915$784
24 years$2,478$1,912$1,458$1,100$823$699
25 years$2,354$1,794$1,350$1,004$740$624
26 years$2,239$1,686$1,252$918$667$557
27 years$2,133$1,587$1,163$841$601$498
28 years$2,035$1,495$1,081$770$542$446
29 years$1,944$1,411$1,006$706$490$399
30 years$1,858$1,332$937$648$443$357
31 years$1,779$1,259$873$595$400$320
32 years$1,705$1,192$815$547$362$287
33 years$1,635$1,129$761$503$328$257
34 years$1,570$1,070$711$463$297$231
35 years$1,508$1,015$665$426$269$207
36 years$1,450$963$622$392$243$186
37 years$1,395$915$582$362$221$167
38 years$1,344$869$545$333$200$150
39 years$1,295$826$511$307$181$135
40 years$1,248$786$479$283$164$121
41 years$1,204$749$449$262$149$109
42 years$1,162$713$421$241$135$98
43 years$1,123$679$395$223$123$88
44 years$1,085$647$371$206$112$79
45 years$1,049$617$348$190$101$71
46 years$1,014$589$327$175$92$64
47 years$981$562$307$162$83$58
48 years$950$537$289$150$76$52
49 years$920$512$271$138$69$47
50 years$891$489$255$128$63$42

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $913,000, adding $4,934 every year, while hoping to spend $29,598 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: 58/28/14 Blend
34$913,000$913,000$913,000$913,000
35$1,011,215$962,826$948,675$1,065,999
36$1,082,867$978,513$948,963$1,119,283
37$1,160,836$993,976$948,270$1,173,635
38$1,245,734$1,009,173$946,529$1,232,190
39$1,338,236$1,024,060$943,675$1,295,355
40$1,439,084$1,038,588$939,637$1,363,581
41$1,549,096$1,052,704$934,340$1,437,363
42$1,669,171$1,066,354$927,708$1,517,249
43$1,800,299$1,079,477$919,658$1,603,844
44$1,943,569$1,092,011$910,107$1,697,811
45$2,100,182$1,103,888$898,963$1,799,886
46$2,271,457$1,115,035$886,136$1,910,879
47$2,458,850$1,125,376$871,525$2,031,681
48$2,663,961$1,134,829$855,030$2,163,278
49$2,888,555$1,143,305$836,544$2,306,756
50$3,134,573$1,150,712$815,953$2,463,312
51$3,404,153$1,156,950$793,141$2,634,267
52$3,699,651$1,161,915$767,985$2,821,078
53$4,023,660$1,165,494$740,357$3,025,352
54$4,379,037$1,167,567$710,123$3,248,860
55$4,768,929$1,168,008$677,143$3,493,555
56$5,196,802$1,166,682$641,269$3,761,593
57$5,666,473$1,163,447$602,349$4,055,350
58$6,182,148$1,158,151$560,223$4,377,446
59$6,748,460$1,150,633$514,722$4,730,770
60$7,370,510$1,140,722$465,673$5,118,509
61$8,053,922$1,128,236$412,893$5,544,176
62$8,804,888$1,112,986$356,191$6,011,647
63$9,630,230$1,094,766$295,367$6,525,193
64$10,537,465$1,073,361$230,213$7,089,525
65$11,534,875$1,048,544$160,514$7,709,838
66$12,631,581$1,020,072$86,040$8,391,860
67$13,837,637$987,690$6,557$9,141,906
68$15,164,116$951,126$0$9,966,939
69$16,623,219$910,095$0$10,886,327
70$18,228,390$864,292$0$11,898,650
71$19,994,441$813,398$0$13,012,300
72$21,937,692$757,073$0$14,237,607
73$24,076,125$694,957$0$15,585,960
74$26,429,553$626,674$0$17,069,911
75$29,019,807$551,820$0$18,703,295
76$31,870,942$469,974$0$20,501,364
77$35,009,463$380,687$0$22,480,925
78$38,464,575$283,488$0$24,660,507
79$42,268,458$177,876$0$27,060,533
80$46,456,574$63,325$0$29,703,510
81$51,067,995$0$0$32,614,250
82$56,145,775$0$0$35,838,807
83$61,737,357$0$0$39,411,233
84$67,895,020$0$0$43,345,426
85$74,676,368$0$0$47,678,207
86$82,144,879$0$0$52,450,144
87$90,370,502$0$0$57,705,945
88$99,430,313$0$0$63,494,874
89$109,409,249$0$0$69,871,215
90$120,400,904$0$0$76,894,788
91$132,508,412$0$0$84,631,513
92$145,845,425$0$0$93,154,027
93$160,537,179$0$0$102,542,376
94$176,721,681$0$0$112,884,765
95$194,551,008$0$0$124,278,395
96$214,192,744$0$0$136,830,376
97$235,831,559$0$0$150,658,740
98$259,670,954$0$0$165,893,554
99$285,935,182$0$0$182,678,149
100$314,871,362$0$0$201,170,472