Can I retire at age 35 with 918,000?

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 $918,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$75,808$75,132$74,474$73,830$73,203$70,549
2 years$37,529$36,830$36,152$35,495$34,858$32,214
3 years$24,770$24,069$23,393$22,742$22,116$19,564
4 years$18,393$17,693$17,024$16,385$15,773$13,333
5 years$14,567$13,871$13,211$12,585$11,990$9,669
6 years$12,017$11,327$10,677$10,064$9,488$7,286
7 years$10,197$9,512$8,872$8,274$7,716$5,634
8 years$8,832$8,154$7,525$6,941$6,401$4,436
9 years$7,771$7,099$6,481$5,912$5,391$3,541
10 years$6,923$6,258$5,650$5,096$4,593$2,855
11 years$6,230$5,571$4,974$4,435$3,950$2,320
12 years$5,652$5,000$4,415$3,890$3,423$1,897
13 years$5,164$4,519$3,944$3,435$2,985$1,559
14 years$4,746$4,107$3,544$3,049$2,617$1,286
15 years$4,384$3,752$3,200$2,719$2,304$1,065
16 years$4,067$3,443$2,901$2,435$2,036$884
17 years$3,788$3,170$2,640$2,188$1,805$735
18 years$3,540$2,930$2,410$1,971$1,605$612
19 years$3,319$2,715$2,206$1,781$1,431$511
20 years$3,120$2,523$2,025$1,613$1,278$426
21 years$2,940$2,350$1,862$1,464$1,144$357
22 years$2,777$2,194$1,716$1,331$1,025$298
23 years$2,628$2,052$1,585$1,212$920$250
24 years$2,492$1,922$1,466$1,106$827$209
25 years$2,367$1,804$1,357$1,010$744$175
26 years$2,251$1,696$1,259$923$670$147
27 years$2,145$1,596$1,169$845$604$123
28 years$2,046$1,504$1,087$774$545$104
29 years$1,954$1,418$1,011$710$493$87
30 years$1,869$1,340$942$652$445$73
31 years$1,789$1,266$878$599$402$61
32 years$1,714$1,198$819$550$364$51
33 years$1,644$1,135$765$506$329$43
34 years$1,578$1,076$715$465$298$36
35 years$1,516$1,020$668$428$270$30
36 years$1,458$968$625$395$245$26
37 years$1,403$920$585$364$222$22
38 years$1,351$874$548$335$201$18
39 years$1,302$831$513$309$182$15
40 years$1,255$791$481$285$165$13
41 years$1,211$753$451$263$150$11
42 years$1,169$717$423$243$136$9
43 years$1,129$683$397$224$124$8
44 years$1,091$651$373$207$112$6
45 years$1,054$621$350$191$102$5
46 years$1,020$592$329$176$92$4
47 years$987$565$309$163$84$4
48 years$955$539$290$151$76$3
49 years$925$515$273$139$69$3
50 years$896$492$257$129$63$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $918,000, adding $2,850 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: 48/45/7 Blend
34$918,000$918,000$918,000$918,000
35$1,014,576$965,922$951,693$1,061,268
36$1,086,570$981,760$952,082$1,109,381
37$1,164,917$997,382$951,493$1,158,227
38$1,250,231$1,012,747$949,861$1,210,565
39$1,343,192$1,027,808$947,118$1,266,726
40$1,444,546$1,042,519$943,195$1,327,079
41$1,555,115$1,056,828$938,018$1,392,028
42$1,675,804$1,070,680$931,509$1,462,020
43$1,807,608$1,084,016$923,586$1,537,549
44$1,951,623$1,096,772$914,166$1,619,158
45$2,109,057$1,108,882$903,159$1,707,448
46$2,281,238$1,120,274$890,472$1,803,080
47$2,469,629$1,130,872$876,007$1,906,787
48$2,675,840$1,140,594$859,662$2,019,373
49$2,901,645$1,149,352$841,330$2,141,729
50$3,148,998$1,157,056$820,900$2,274,836
51$3,420,049$1,163,605$798,254$2,419,777
52$3,717,168$1,168,896$773,269$2,577,747
53$4,042,964$1,172,816$745,818$2,750,064
54$4,400,310$1,175,248$715,767$2,938,183
55$4,792,372$1,176,066$682,976$3,143,709
56$5,222,636$1,175,135$647,298$3,368,412
57$5,694,943$1,172,314$608,580$3,614,246
58$6,213,522$1,167,452$566,662$3,883,366
59$6,783,033$1,160,390$521,377$4,178,149
60$7,408,610$1,150,957$472,551$4,501,217
61$8,095,908$1,138,973$420,001$4,855,465
62$8,851,156$1,124,249$363,537$5,244,083
63$9,681,218$1,106,580$302,959$5,670,593
64$10,593,654$1,085,755$238,060$6,138,878
65$11,596,795$1,061,545$168,623$6,653,221
66$12,699,818$1,033,710$94,422$7,218,347
67$13,912,833$1,001,996$15,219$7,839,467
68$15,246,982$966,133$0$8,522,330
69$16,714,537$925,837$0$9,278,452
70$18,329,023$880,806$0$10,111,196
71$20,105,339$830,721$0$11,027,156
72$22,059,901$775,245$0$12,034,857
73$24,210,800$714,020$0$13,143,698
74$26,577,965$646,670$0$14,364,044
75$29,183,357$572,797$0$15,707,324
76$32,051,173$491,978$0$17,186,137
77$35,208,078$403,770$0$18,814,378
78$38,683,448$307,701$0$20,607,364
79$42,509,657$203,276$0$22,581,985
80$46,722,375$89,969$0$24,756,862
81$51,360,907$0$0$27,152,524
82$56,468,565$0$0$29,807,833
83$62,093,072$0$0$32,781,026
84$68,287,017$0$0$36,055,368
85$75,108,349$0$0$39,661,509
86$82,620,922$0$0$43,633,224
87$90,895,101$0$0$48,007,731
88$100,008,422$0$0$52,826,040
89$110,046,325$0$0$58,133,345
90$121,102,961$0$0$63,979,446
91$133,282,080$0$0$70,419,218
92$146,698,006$0$0$77,513,134
93$161,476,724$0$0$85,327,831
94$177,757,060$0$0$93,936,740
95$195,691,995$0$0$103,420,780
96$215,450,112$0$0$113,869,121
97$237,217,178$0$0$125,380,024
98$261,197,907$0$0$138,061,772
99$287,617,884$0$0$152,033,686
100$316,725,699$0$0$167,427,259