Can I retire at age 35 with 919,000?

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 $919,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$75,890$75,214$74,555$73,911$73,282$71,050
2 years$37,569$36,870$36,192$35,534$34,896$32,667
3 years$24,797$24,095$23,418$22,767$22,140$19,983
4 years$18,413$17,712$17,043$16,402$15,790$13,722
5 years$14,583$13,887$13,226$12,599$12,003$10,030
6 years$12,031$11,339$10,688$10,075$9,498$7,620
7 years$10,208$9,523$8,882$8,283$7,724$5,943
8 years$8,842$8,163$7,533$6,949$6,408$4,722
9 years$7,780$7,107$6,488$5,919$5,397$3,803
10 years$6,931$6,265$5,656$5,102$4,598$3,096
11 years$6,236$5,577$4,980$4,440$3,955$2,541
12 years$5,658$5,006$4,419$3,895$3,427$2,098
13 years$5,170$4,524$3,948$3,438$2,988$1,742
14 years$4,751$4,112$3,548$3,052$2,620$1,452
15 years$4,388$3,756$3,203$2,722$2,306$1,215
16 years$4,072$3,446$2,904$2,437$2,038$1,019
17 years$3,792$3,174$2,643$2,190$1,807$857
18 years$3,544$2,933$2,412$1,974$1,607$722
19 years$3,323$2,718$2,208$1,783$1,432$609
20 years$3,123$2,526$2,027$1,615$1,279$515
21 years$2,943$2,353$1,864$1,466$1,145$435
22 years$2,780$2,196$1,718$1,333$1,026$369
23 years$2,631$2,054$1,586$1,214$921$312
24 years$2,495$1,924$1,467$1,107$828$265
25 years$2,369$1,806$1,359$1,011$745$225
26 years$2,254$1,697$1,260$924$671$191
27 years$2,147$1,597$1,170$846$605$162
28 years$2,048$1,505$1,088$775$546$138
29 years$1,956$1,420$1,012$711$493$117
30 years$1,871$1,341$943$652$446$99
31 years$1,791$1,268$879$599$403$84
32 years$1,716$1,200$820$551$364$72
33 years$1,646$1,136$766$506$330$61
34 years$1,580$1,077$716$466$299$52
35 years$1,518$1,021$669$429$270$44
36 years$1,460$969$626$395$245$38
37 years$1,404$921$586$364$222$32
38 years$1,352$875$549$335$201$27
39 years$1,303$832$514$309$183$23
40 years$1,256$792$482$285$166$20
41 years$1,212$753$452$263$150$17
42 years$1,170$718$424$243$136$14
43 years$1,130$684$398$224$124$12
44 years$1,092$652$373$207$112$10
45 years$1,056$621$350$191$102$9
46 years$1,021$593$329$177$93$7
47 years$988$566$309$163$84$6
48 years$956$540$291$151$76$5
49 years$926$516$273$139$69$5
50 years$897$493$257$129$63$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $919,000, adding $3,947 every year, while hoping to spend $55,979 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: 43/40/17 Blend
34$919,000$919,000$919,000$919,000
35$1,016,809$968,102$953,858$1,055,348
36$1,060,963$955,978$926,251$1,070,733
37$1,107,743$941,384$895,843$1,081,564
38$1,157,361$924,139$862,481$1,092,112
39$1,210,042$904,053$826,005$1,102,377
40$1,266,039$880,923$786,248$1,112,363
41$1,325,623$854,536$743,036$1,122,081
42$1,389,093$824,666$696,184$1,131,543
43$1,456,778$791,072$645,504$1,140,772
44$1,529,035$753,500$590,794$1,149,796
45$1,606,259$711,683$531,847$1,158,652
46$1,688,878$665,337$468,446$1,167,388
47$1,777,367$614,162$400,361$1,176,060
48$1,872,242$557,839$327,357$1,184,741
49$1,974,073$496,035$249,186$1,193,516
50$2,083,482$428,395$165,587$1,202,485
51$2,201,155$354,544$76,292$1,211,769
52$2,327,843$274,087$0$1,221,509
53$2,464,372$186,606$0$1,235,316
54$2,611,647$91,659$0$1,264,926
55$2,770,666$0$0$1,296,762
56$2,942,523$0$0$1,336,073
57$3,128,421$0$0$1,422,327
58$3,329,681$0$0$1,515,803
59$3,547,758$0$0$1,617,188
60$3,784,251$0$0$1,727,238
61$4,040,916$0$0$1,846,783
62$4,319,687$0$0$1,976,738
63$4,622,690$0$0$2,118,109
64$4,952,266$0$0$2,272,001
65$5,310,986$0$0$2,439,632
66$5,701,685$0$0$2,622,342
67$6,127,477$0$0$2,821,605
68$6,591,794$0$0$3,039,044
69$7,098,409$0$0$3,276,445
70$7,651,477$0$0$3,535,775
71$8,255,574$0$0$3,819,199
72$8,915,732$0$0$4,129,099
73$9,637,497$0$0$4,468,100
74$10,426,971$0$0$4,839,090
75$11,290,875$0$0$5,245,252
76$12,236,608$0$0$5,690,088
77$13,272,319$0$0$6,177,456
78$14,406,980$0$0$6,711,607
79$15,650,476$0$0$7,297,218
80$17,013,688$0$0$7,939,444
81$18,508,604$0$0$8,643,961
82$20,148,427$0$0$9,417,022
83$21,947,697$0$0$10,265,513
84$23,922,434$0$0$11,197,021
85$26,090,279$0$0$12,219,902
86$28,470,669$0$0$13,343,362
87$31,085,014$0$0$14,577,541
88$33,956,897$0$0$15,933,611
89$37,112,300$0$0$17,423,878
90$40,579,846$0$0$19,061,902
91$44,391,068$0$0$20,862,618
92$48,580,705$0$0$22,842,485
93$53,187,029$0$0$25,019,632
94$58,252,209$0$0$27,414,035
95$63,822,700$0$0$30,047,703
96$69,949,687$0$0$32,944,885
97$76,689,564$0$0$36,132,296
98$84,104,467$0$0$39,639,376
99$92,262,855$0$0$43,498,557
100$101,240,161$0$0$47,745,578