Can I retire at age 35 with 914,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $914,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$75,477$74,805$74,149$73,509$72,884$72,273
2 years$37,365$36,669$35,995$35,341$34,706$34,091
3 years$24,663$23,964$23,291$22,643$22,019$21,418
4 years$18,313$17,616$16,950$16,313$15,704$15,122
5 years$14,504$13,811$13,154$12,530$11,938$11,376
6 years$11,965$11,278$10,630$10,020$9,446$8,906
7 years$10,153$9,471$8,834$8,238$7,682$7,164
8 years$8,794$8,118$7,492$6,911$6,373$5,876
9 years$7,738$7,069$6,453$5,887$5,367$4,891
10 years$6,893$6,231$5,626$5,074$4,573$4,118
11 years$6,203$5,547$4,953$4,416$3,933$3,499
12 years$5,628$4,978$4,395$3,874$3,408$2,995
13 years$5,141$4,499$3,927$3,420$2,972$2,578
14 years$4,725$4,090$3,528$3,036$2,605$2,231
15 years$4,365$3,736$3,186$2,707$2,294$1,939
16 years$4,049$3,428$2,888$2,424$2,027$1,690
17 years$3,772$3,157$2,628$2,178$1,798$1,478
18 years$3,525$2,917$2,399$1,963$1,598$1,296
19 years$3,305$2,703$2,196$1,774$1,425$1,139
20 years$3,106$2,512$2,016$1,606$1,273$1,003
21 years$2,927$2,340$1,854$1,458$1,139$885
22 years$2,765$2,184$1,709$1,326$1,021$781
23 years$2,617$2,043$1,578$1,207$916$691
24 years$2,481$1,914$1,459$1,101$824$612
25 years$2,356$1,796$1,351$1,006$741$542
26 years$2,242$1,688$1,253$919$668$481
27 years$2,135$1,589$1,164$842$602$427
28 years$2,037$1,497$1,082$771$543$379
29 years$1,946$1,412$1,007$707$490$337
30 years$1,861$1,334$938$649$443$299
31 years$1,781$1,261$874$596$401$266
32 years$1,707$1,193$816$548$362$237
33 years$1,637$1,130$762$504$328$211
34 years$1,571$1,071$712$463$297$188
35 years$1,510$1,016$665$427$269$167
36 years$1,452$964$622$393$244$149
37 years$1,397$916$583$362$221$133
38 years$1,345$870$546$334$200$119
39 years$1,296$827$511$308$182$106
40 years$1,250$787$479$284$165$94
41 years$1,206$749$449$262$149$84
42 years$1,164$714$421$242$136$75
43 years$1,124$680$395$223$123$67
44 years$1,086$648$371$206$112$60
45 years$1,050$618$349$190$101$53
46 years$1,015$590$327$176$92$47
47 years$983$563$308$162$84$42
48 years$951$537$289$150$76$38
49 years$921$513$272$139$69$34
50 years$892$490$255$128$63$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $914,000, adding $2,027 every year, while hoping to spend $42,505 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: 37/35/28 Blend
34$914,000$914,000$914,000$914,000
35$1,009,319$960,877$946,710$1,038,150
36$1,067,044$962,735$933,200$1,061,501
37$1,129,233$963,259$917,812$1,082,689
38$1,196,296$962,340$900,440$1,104,763
39$1,268,684$959,860$880,970$1,127,831
40$1,346,891$955,695$859,284$1,152,015
41$1,431,463$949,713$835,259$1,177,453
42$1,522,997$941,774$808,766$1,204,301
43$1,622,153$931,730$779,669$1,232,733
44$1,729,652$919,425$747,827$1,262,946
45$1,846,290$904,690$713,093$1,295,161
46$1,972,942$887,350$675,312$1,329,623
47$2,110,570$867,218$634,323$1,366,612
48$2,260,232$844,096$589,957$1,406,436
49$2,423,093$817,774$542,038$1,449,442
50$2,600,433$788,030$490,381$1,496,019
51$2,793,664$754,630$434,795$1,546,600
52$3,004,335$717,324$375,078$1,601,667
53$3,234,155$675,851$311,021$1,661,760
54$3,485,002$629,931$242,404$1,727,481
55$3,758,947$579,272$168,999$1,799,498
56$4,058,266$523,563$90,567$1,878,557
57$4,385,467$462,475$6,858$1,965,487
58$4,743,309$395,661$0$2,061,213
59$5,134,833$322,755$0$2,191,400
60$5,563,386$243,370$0$2,336,337
61$6,032,652$157,095$0$2,495,325
62$6,546,689$63,500$0$2,669,859
63$7,109,968$0$0$2,861,593
64$7,727,410$0$0$3,086,944
65$8,404,436$0$0$3,360,984
66$9,147,017$0$0$3,661,689
67$9,961,729$0$0$3,991,741
68$10,855,816$0$0$4,354,089
69$11,837,257$0$0$4,751,985
70$12,914,840$0$0$5,189,011
71$14,098,247$0$0$5,669,112
72$15,398,143$0$0$6,196,633
73$16,826,278$0$0$6,776,364
74$18,395,595$0$0$7,413,580
75$20,120,353$0$0$8,114,091
76$22,016,261$0$0$8,884,300
77$24,100,627$0$0$9,731,262
78$26,392,516$0$0$10,662,748
79$28,912,938$0$0$11,687,320
80$31,685,036$0$0$12,814,414
81$34,734,313$0$0$14,054,424
82$38,088,864$0$0$15,418,802
83$41,779,646$0$0$16,920,168
84$45,840,768$0$0$18,572,425
85$50,309,812$0$0$20,390,894
86$55,228,187$0$0$22,392,456
87$60,641,520$0$0$24,595,710
88$66,600,084$0$0$27,021,152
89$73,159,275$0$0$29,691,364
90$80,380,132$0$0$32,631,230
91$88,329,913$0$0$35,868,171
92$97,082,729$0$0$39,432,398
93$106,720,241$0$0$43,357,206
94$117,332,434$0$0$47,679,279
95$129,018,463$0$0$52,439,042
96$141,887,588$0$0$57,681,041
97$156,060,205$0$0$63,454,359
98$171,668,981$0$0$69,813,086
99$188,860,107$0$0$76,816,824
100$207,794,676$0$0$84,531,252