Can I retire at age 35 with 915,000?

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 $915,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$75,560$74,887$74,230$73,589$72,963$71,519
2 years$37,406$36,709$36,034$35,379$34,744$33,296
3 years$24,690$23,990$23,316$22,668$22,043$20,635
4 years$18,333$17,635$16,968$16,331$15,721$14,365
5 years$14,519$13,826$13,168$12,544$11,951$10,650
6 years$11,978$11,290$10,642$10,031$9,457$8,212
7 years$10,164$9,481$8,843$8,247$7,691$6,503
8 years$8,803$8,127$7,500$6,918$6,380$5,249
9 years$7,746$7,076$6,460$5,893$5,373$4,297
10 years$6,901$6,237$5,632$5,080$4,578$3,557
11 years$6,209$5,553$4,958$4,421$3,937$2,970
12 years$5,634$4,984$4,400$3,878$3,412$2,497
13 years$5,147$4,504$3,931$3,424$2,975$2,111
14 years$4,730$4,094$3,532$3,039$2,608$1,792
15 years$4,369$3,740$3,189$2,710$2,296$1,528
16 years$4,054$3,431$2,891$2,427$2,030$1,307
17 years$3,776$3,160$2,631$2,180$1,800$1,120
18 years$3,529$2,920$2,402$1,965$1,600$963
19 years$3,308$2,706$2,199$1,776$1,426$829
20 years$3,110$2,515$2,018$1,608$1,274$715
21 years$2,931$2,342$1,856$1,459$1,140$617
22 years$2,768$2,187$1,711$1,327$1,022$534
23 years$2,620$2,045$1,580$1,208$917$462
24 years$2,484$1,916$1,461$1,102$824$400
25 years$2,359$1,798$1,353$1,007$742$347
26 years$2,244$1,690$1,255$920$668$301
27 years$2,138$1,590$1,165$842$603$261
28 years$2,039$1,499$1,083$772$544$227
29 years$1,948$1,414$1,008$708$491$197
30 years$1,863$1,335$939$650$444$171
31 years$1,783$1,262$875$597$401$149
32 years$1,708$1,194$817$548$363$129
33 years$1,639$1,131$763$504$328$113
34 years$1,573$1,072$712$464$297$98
35 years$1,511$1,017$666$427$269$85
36 years$1,453$965$623$393$244$74
37 years$1,398$917$583$362$221$64
38 years$1,347$871$546$334$200$56
39 years$1,297$828$512$308$182$49
40 years$1,251$788$480$284$165$43
41 years$1,207$750$450$262$150$37
42 years$1,165$714$422$242$136$32
43 years$1,125$681$396$223$123$28
44 years$1,087$649$372$206$112$24
45 years$1,051$619$349$190$101$21
46 years$1,017$590$328$176$92$19
47 years$984$563$308$162$84$16
48 years$952$538$289$150$76$14
49 years$922$514$272$139$69$12
50 years$893$491$256$128$63$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $915,000, adding $5,486 every year, while hoping to spend $22,917 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: 87/7/6 Blend
34$915,000$915,000$915,000$915,000
35$1,013,989$965,494$951,311$1,101,506
36$1,093,032$988,419$958,797$1,182,265
37$1,179,370$1,011,700$965,765$1,267,254
38$1,273,722$1,035,330$972,174$1,359,920
39$1,376,880$1,059,300$977,981$1,461,019
40$1,489,718$1,083,602$983,139$1,571,385
41$1,613,196$1,108,224$987,601$1,691,935
42$1,748,371$1,133,157$991,315$1,823,678
43$1,896,409$1,158,386$994,228$1,967,729
44$2,058,593$1,183,897$996,285$2,125,312
45$2,236,335$1,209,673$997,426$2,297,776
46$2,431,191$1,235,698$997,590$2,486,610
47$2,644,876$1,261,950$996,712$2,693,449
48$2,879,276$1,288,408$994,724$2,920,099
49$3,136,470$1,315,048$991,556$3,168,546
50$3,418,748$1,341,844$987,132$3,440,979
51$3,728,634$1,368,767$981,373$3,739,810
52$4,068,904$1,395,787$974,199$4,067,696
53$4,442,621$1,422,868$965,523$4,427,562
54$4,853,155$1,449,976$955,255$4,822,634
55$5,304,221$1,477,069$943,301$5,256,464
56$5,799,912$1,504,106$929,562$5,732,966
57$6,344,735$1,531,039$913,934$6,256,453
58$6,943,656$1,557,819$896,309$6,831,675
59$7,602,149$1,584,391$876,575$7,463,869
60$8,326,239$1,610,697$854,611$8,158,801
61$9,122,570$1,636,676$830,296$8,922,827
62$9,998,460$1,662,260$803,498$9,762,951
63$10,961,969$1,687,378$774,081$10,686,889
64$12,021,982$1,711,952$741,905$11,703,142
65$13,188,286$1,735,899$706,821$12,821,079
66$14,471,665$1,759,132$668,673$14,051,024
67$15,884,001$1,781,555$627,300$15,404,352
68$17,438,386$1,803,069$582,532$16,893,596
69$19,149,247$1,823,564$534,192$18,532,569
70$21,032,478$1,842,927$482,095$20,336,490
71$23,105,593$1,861,033$426,048$22,322,131
72$25,387,893$1,877,752$365,849$24,507,972
73$27,900,641$1,892,945$301,288$26,914,377
74$30,667,269$1,906,463$232,144$29,563,787
75$33,713,598$1,918,147$158,188$32,480,931
76$37,068,078$1,927,828$79,180$35,693,059
77$40,762,058$1,935,329$0$39,230,199
78$44,830,086$1,940,458$0$43,125,770
79$49,310,227$1,943,012$0$47,421,339
80$54,244,427$1,942,777$0$52,152,031
81$59,678,910$1,939,524$0$57,362,144
82$65,664,608$1,933,011$0$63,100,494
83$72,257,649$1,922,979$0$69,420,873
84$79,519,881$1,909,156$0$76,382,556
85$87,519,457$1,891,253$0$84,050,864
86$96,331,478$1,868,961$0$92,497,778
87$106,038,705$1,841,956$0$101,802,617
88$116,732,333$1,809,892$0$112,052,792
89$128,512,858$1,772,404$0$123,344,624
90$141,491,023$1,729,105$0$135,784,258
91$155,788,860$1,679,584$0$149,488,662
92$171,540,848$1,623,408$0$164,586,734
93$188,895,177$1,560,118$0$181,220,517
94$208,015,148$1,489,226$0$199,546,537
95$229,080,715$1,410,220$0$219,737,287
96$252,290,183$1,322,556$0$241,982,848
97$277,862,078$1,225,658$0$266,492,691
98$306,037,213$1,118,918$0$293,497,645
99$337,080,957$1,001,693$0$323,252,086
100$371,285,744$873,306$0$356,036,330