Can I retire at age 35 with 917,000?

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 $917,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$75,725$75,050$74,392$73,750$73,123$70,389
2 years$37,488$36,789$36,113$35,457$34,820$32,097
3 years$24,743$24,042$23,367$22,717$22,092$19,465
4 years$18,373$17,674$17,005$16,367$15,756$13,245
5 years$14,551$13,856$13,197$12,571$11,977$9,590
6 years$12,004$11,315$10,665$10,053$9,477$7,215
7 years$10,186$9,502$8,863$8,265$7,708$5,569
8 years$8,823$8,145$7,516$6,934$6,394$4,378
9 years$7,763$7,092$6,474$5,906$5,385$3,488
10 years$6,916$6,251$5,644$5,091$4,588$2,807
11 years$6,223$5,565$4,969$4,431$3,946$2,277
12 years$5,646$4,995$4,410$3,886$3,419$1,858
13 years$5,158$4,514$3,940$3,431$2,982$1,524
14 years$4,741$4,103$3,540$3,046$2,614$1,254
15 years$4,379$3,748$3,196$2,716$2,301$1,036
16 years$4,063$3,439$2,898$2,432$2,034$858
17 years$3,784$3,167$2,637$2,185$1,804$712
18 years$3,537$2,926$2,407$1,969$1,604$592
19 years$3,315$2,712$2,204$1,779$1,429$492
20 years$3,117$2,520$2,022$1,612$1,277$410
21 years$2,937$2,348$1,860$1,463$1,143$342
22 years$2,774$2,191$1,714$1,330$1,024$286
23 years$2,625$2,050$1,583$1,211$919$239
24 years$2,489$1,920$1,464$1,105$826$200
25 years$2,364$1,802$1,356$1,009$744$167
26 years$2,249$1,694$1,258$922$670$140
27 years$2,142$1,594$1,168$844$604$117
28 years$2,044$1,502$1,086$774$545$98
29 years$1,952$1,417$1,010$709$492$82
30 years$1,867$1,338$941$651$445$69
31 years$1,787$1,265$877$598$402$57
32 years$1,712$1,197$818$549$364$48
33 years$1,642$1,134$764$505$329$40
34 years$1,576$1,074$714$465$298$34
35 years$1,515$1,019$668$428$270$28
36 years$1,456$967$625$394$244$24
37 years$1,401$919$585$363$222$20
38 years$1,349$873$547$335$201$17
39 years$1,300$830$513$309$182$14
40 years$1,254$790$481$285$165$12
41 years$1,209$752$451$263$150$10
42 years$1,167$716$423$242$136$8
43 years$1,128$682$397$224$123$7
44 years$1,090$650$372$207$112$6
45 years$1,053$620$350$191$102$5
46 years$1,019$592$328$176$92$4
47 years$986$565$309$163$84$3
48 years$954$539$290$150$76$3
49 years$924$515$273$139$69$2
50 years$895$492$256$129$63$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $917,000, adding $4,390 every year, while hoping to spend $50,996 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: 56/24/20 Blend
34$917,000$917,000$917,000$917,000
35$1,015,062$966,461$952,248$1,066,219
36$1,064,339$959,559$929,889$1,094,712
37$1,116,933$950,608$905,071$1,119,915
38$1,173,129$939,457$877,660$1,146,255
39$1,233,238$925,940$847,511$1,173,852
40$1,297,603$909,885$814,477$1,202,844
41$1,366,597$891,109$778,401$1,233,384
42$1,440,633$869,416$739,121$1,265,644
43$1,520,163$844,602$696,466$1,299,815
44$1,605,680$816,449$650,259$1,336,111
45$1,697,730$784,725$600,313$1,374,772
46$1,796,910$749,188$546,435$1,416,065
47$1,903,875$709,579$488,421$1,460,287
48$2,019,346$665,624$426,059$1,507,773
49$2,144,116$617,036$359,128$1,558,891
50$2,279,055$563,510$287,398$1,614,055
51$2,425,118$504,722$210,626$1,673,724
52$2,583,359$440,332$128,560$1,738,410
53$2,754,933$369,979$40,938$1,808,680
54$2,941,111$293,284$0$1,885,168
55$3,143,293$209,843$0$1,979,794
56$3,363,017$119,233$0$2,092,174
57$3,601,974$21,005$0$2,214,492
58$3,862,026$0$0$2,347,779
59$4,145,222$0$0$2,515,703
60$4,453,817$0$0$2,704,807
61$4,790,290$0$0$2,911,074
62$5,157,372$0$0$3,136,187
63$5,558,068$0$0$3,381,999
64$5,995,686$0$0$3,650,550
65$6,473,869$0$0$3,944,086
66$6,996,625$0$0$4,265,081
67$7,568,368$0$0$4,616,256
68$8,193,959$0$0$5,000,609
69$8,878,749$0$0$5,421,441
70$9,628,631$0$0$5,882,387
71$10,450,095$0$0$6,387,451
72$11,350,288$0$0$6,941,040
73$12,337,080$0$0$7,548,010
74$13,419,141$0$0$8,213,710
75$14,606,017$0$0$8,944,029
76$15,908,226$0$0$9,745,455
77$17,337,351$0$0$10,625,133
78$18,906,151$0$0$11,590,937
79$20,628,681$0$0$12,651,537
80$22,520,422$0$0$13,816,486
81$24,598,432$0$0$15,096,305
82$26,881,498$0$0$16,502,589
83$29,390,318$0$0$18,048,106
84$32,147,695$0$0$19,746,928
85$35,178,751$0$0$21,614,553
86$38,511,163$0$0$23,668,060
87$42,175,422$0$0$25,926,262
88$46,205,124$0$0$28,409,889
89$50,637,281$0$0$31,141,779
90$55,512,674$0$0$34,147,095
91$60,876,234$0$0$37,453,563
92$66,777,467$0$0$41,091,729
93$73,270,920$0$0$45,095,252
94$80,416,693$0$0$49,501,218
95$88,281,006$0$0$54,350,489
96$96,936,827$0$0$59,688,090
97$106,464,553$0$0$65,563,633
98$116,952,773$0$0$72,031,784
99$128,499,099$0$0$79,152,776
100$141,211,090$0$0$86,992,982