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%17.1%
1 years$75,890$75,214$74,555$73,911$73,282$71,165
2 years$37,569$36,870$36,192$35,534$34,896$32,780
3 years$24,797$24,095$23,418$22,767$22,140$20,090
4 years$18,413$17,712$17,043$16,402$15,790$13,824
5 years$14,583$13,887$13,226$12,599$12,003$10,125
6 years$12,031$11,339$10,688$10,075$9,498$7,710
7 years$10,208$9,523$8,882$8,283$7,724$6,027
8 years$8,842$8,163$7,533$6,949$6,408$4,799
9 years$7,780$7,107$6,488$5,919$5,397$3,875
10 years$6,931$6,265$5,656$5,102$4,598$3,162
11 years$6,236$5,577$4,980$4,440$3,955$2,602
12 years$5,658$5,006$4,419$3,895$3,427$2,155
13 years$5,170$4,524$3,948$3,438$2,988$1,794
14 years$4,751$4,112$3,548$3,052$2,620$1,499
15 years$4,388$3,756$3,203$2,722$2,306$1,258
16 years$4,072$3,446$2,904$2,437$2,038$1,058
17 years$3,792$3,174$2,643$2,190$1,807$892
18 years$3,544$2,933$2,412$1,974$1,607$754
19 years$3,323$2,718$2,208$1,783$1,432$638
20 years$3,123$2,526$2,027$1,615$1,279$541
21 years$2,943$2,353$1,864$1,466$1,145$459
22 years$2,780$2,196$1,718$1,333$1,026$390
23 years$2,631$2,054$1,586$1,214$921$331
24 years$2,495$1,924$1,467$1,107$828$282
25 years$2,369$1,806$1,359$1,011$745$240
26 years$2,254$1,697$1,260$924$671$204
27 years$2,147$1,597$1,170$846$605$174
28 years$2,048$1,505$1,088$775$546$148
29 years$1,956$1,420$1,012$711$493$126
30 years$1,871$1,341$943$652$446$108
31 years$1,791$1,268$879$599$403$92
32 years$1,716$1,200$820$551$364$78
33 years$1,646$1,136$766$506$330$67
34 years$1,580$1,077$716$466$299$57
35 years$1,518$1,021$669$429$270$49
36 years$1,460$969$626$395$245$42
37 years$1,404$921$586$364$222$35
38 years$1,352$875$549$335$201$30
39 years$1,303$832$514$309$183$26
40 years$1,256$792$482$285$166$22
41 years$1,212$753$452$263$150$19
42 years$1,170$718$424$243$136$16
43 years$1,130$684$398$224$124$14
44 years$1,092$652$373$207$112$12
45 years$1,056$621$350$191$102$10
46 years$1,021$593$329$177$93$9
47 years$988$566$309$163$84$7
48 years$956$540$291$151$76$6
49 years$926$516$273$139$69$5
50 years$897$493$257$129$63$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $919,000, adding $3,016 every year, while hoping to spend $25,225 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: 46/29/25 Blend
34$919,000$919,000$919,000$919,000
35$1,015,849$967,142$952,898$1,055,157
36$1,092,626$987,693$957,980$1,103,724
37$1,176,390$1,008,405$962,388$1,153,684
38$1,267,825$1,029,260$966,071$1,207,390
39$1,367,687$1,050,238$968,979$1,265,208
40$1,476,806$1,071,315$971,055$1,327,536
41$1,596,100$1,092,468$972,244$1,394,817
42$1,726,573$1,113,671$972,486$1,467,537
43$1,869,337$1,134,894$971,718$1,546,236
44$2,025,612$1,156,107$969,873$1,631,504
45$2,196,744$1,177,275$966,883$1,723,997
46$2,384,213$1,198,363$962,675$1,824,434
47$2,589,652$1,219,332$957,173$1,933,613
48$2,814,856$1,240,139$950,298$2,052,409
49$3,061,804$1,260,738$941,966$2,181,791
50$3,332,676$1,281,082$932,090$2,322,826
51$3,629,871$1,301,118$920,577$2,476,692
52$3,956,034$1,320,789$907,333$2,644,686
53$4,314,078$1,340,035$892,257$2,828,242
54$4,707,209$1,358,793$875,242$3,028,938
55$5,138,962$1,376,991$856,181$3,248,516
56$5,613,230$1,394,558$834,957$3,488,898
57$6,134,301$1,411,413$811,450$3,752,202
58$6,706,900$1,427,472$785,533$4,040,766
59$7,336,232$1,442,646$757,076$4,357,167
60$8,028,030$1,456,838$725,941$4,704,245
61$8,788,611$1,469,945$691,982$5,085,136
62$9,624,936$1,481,860$655,051$5,503,296
63$10,544,673$1,492,464$614,988$5,962,535
64$11,556,270$1,501,635$571,630$6,467,057
65$12,669,035$1,509,240$524,805$7,021,495
66$13,893,223$1,515,140$474,333$7,630,959
67$15,240,136$1,519,185$420,027$8,301,084
68$16,722,222$1,521,218$361,690$9,038,083
69$18,353,200$1,521,069$299,118$9,848,804
70$20,148,185$1,518,560$232,097$10,740,802
71$22,123,832$1,513,501$160,404$11,722,403
72$24,298,491$1,505,691$83,806$12,802,788
73$26,692,384$1,494,917$2,060$13,992,081
74$29,327,790$1,480,951$0$15,301,441
75$32,229,260$1,463,553$0$16,765,893
76$35,423,847$1,442,469$0$18,378,343
77$38,941,358$1,417,429$0$20,153,270
78$42,814,640$1,388,147$0$22,107,237
79$47,079,887$1,354,319$0$24,258,498
80$51,776,980$1,315,626$0$26,627,172
81$56,949,868$1,271,728$0$29,235,433
82$62,646,978$1,222,265$0$32,107,720
83$68,921,671$1,166,857$0$35,270,967
84$75,832,751$1,105,103$0$38,754,859
85$83,445,015$1,036,576$0$42,592,114
86$91,829,865$960,828$0$46,818,789
87$101,065,985$877,381$0$51,474,624
88$111,240,076$785,734$0$56,603,418
89$122,447,684$685,355$0$62,253,442
90$134,794,094$575,683$0$68,477,894
91$148,395,324$456,125$0$75,335,407
92$163,379,226$326,053$0$82,890,598
93$179,886,684$184,807$0$91,214,683
94$198,072,950$31,687$0$100,386,149
95$218,109,107$0$0$110,491,496
96$240,183,682$0$0$121,668,830
97$264,504,429$0$0$133,994,823
98$291,300,285$0$0$147,575,413
99$320,823,536$0$0$162,538,488
100$353,352,192$0$0$179,024,973