Can I retire at age 35 with 920,000?

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 $920,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$75,973$75,296$74,636$73,991$73,362$72,475
2 years$37,610$36,910$36,231$35,573$34,934$34,042
3 years$24,824$24,121$23,444$22,792$22,164$21,293
4 years$18,433$17,731$17,061$16,420$15,807$14,966
5 years$14,599$13,902$13,240$12,612$12,017$11,206
6 years$12,044$11,352$10,700$10,086$9,508$8,730
7 years$10,219$9,533$8,892$8,292$7,733$6,987
8 years$8,852$8,172$7,541$6,956$6,415$5,702
9 years$7,788$7,115$6,495$5,925$5,402$4,721
10 years$6,938$6,271$5,662$5,108$4,603$3,954
11 years$6,243$5,583$4,985$4,445$3,959$3,341
12 years$5,664$5,011$4,424$3,899$3,431$2,843
13 years$5,175$4,529$3,953$3,442$2,992$2,433
14 years$4,756$4,116$3,552$3,056$2,622$2,093
15 years$4,393$3,760$3,207$2,725$2,309$1,808
16 years$4,076$3,450$2,907$2,440$2,041$1,567
17 years$3,796$3,177$2,645$2,192$1,809$1,362
18 years$3,548$2,936$2,415$1,976$1,609$1,186
19 years$3,326$2,721$2,211$1,785$1,434$1,036
20 years$3,127$2,529$2,029$1,617$1,281$906
21 years$2,947$2,355$1,866$1,467$1,146$794
22 years$2,783$2,199$1,720$1,334$1,027$696
23 years$2,634$2,056$1,588$1,215$922$611
24 years$2,497$1,927$1,469$1,108$829$538
25 years$2,372$1,808$1,360$1,012$746$473
26 years$2,256$1,699$1,262$925$672$417
27 years$2,150$1,599$1,172$847$606$367
28 years$2,050$1,507$1,089$776$547$324
29 years$1,958$1,422$1,014$712$494$286
30 years$1,873$1,343$944$653$446$252
31 years$1,793$1,269$880$600$403$223
32 years$1,718$1,201$821$551$365$197
33 years$1,648$1,137$767$507$330$174
34 years$1,582$1,078$716$466$299$154
35 years$1,520$1,022$670$429$271$136
36 years$1,461$970$627$395$245$120
37 years$1,406$922$586$364$222$106
38 years$1,354$876$549$336$202$94
39 years$1,305$833$515$310$183$83
40 years$1,258$792$482$286$166$74
41 years$1,213$754$452$264$150$65
42 years$1,171$718$424$243$136$58
43 years$1,131$684$398$224$124$51
44 years$1,093$652$374$207$112$45
45 years$1,057$622$351$191$102$40
46 years$1,022$593$330$177$93$35
47 years$989$566$310$163$84$31
48 years$957$541$291$151$76$28
49 years$927$516$273$140$69$25
50 years$898$493$257$129$63$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $920,000, adding $4,702 every year, while hoping to spend $52,096 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: 54/26/20 Blend
34$920,000$920,000$920,000$920,000
35$1,018,690$969,930$955,670$1,067,916
36$1,067,167$962,027$932,255$1,094,261
37$1,118,842$951,990$906,310$1,117,041
38$1,173,987$939,661$877,695$1,140,714
39$1,232,899$924,870$846,263$1,165,379
40$1,295,904$907,438$811,862$1,191,149
41$1,363,359$887,175$774,332$1,218,153
42$1,435,655$863,880$733,505$1,246,535
43$1,513,222$837,340$689,208$1,276,456
44$1,596,532$807,331$641,258$1,308,097
45$1,686,101$773,614$589,463$1,341,663
46$1,782,499$735,936$533,625$1,377,381
47$1,886,348$694,031$473,536$1,415,508
48$1,998,333$647,616$408,977$1,456,328
49$2,119,208$596,395$339,723$1,500,162
50$2,249,799$540,050$265,536$1,547,367
51$2,391,015$478,249$186,168$1,598,341
52$2,543,855$410,639$101,360$1,653,531
53$2,709,417$336,849$10,844$1,713,432
54$2,888,907$256,484$0$1,778,597
55$3,083,654$169,131$0$1,867,942
56$3,295,118$74,349$0$1,967,513
57$3,524,905$0$0$2,075,823
58$3,774,781$0$0$2,201,891
59$4,046,689$0$0$2,362,300
60$4,342,770$0$0$2,537,048
61$4,665,374$0$0$2,727,536
62$5,017,094$0$0$2,935,302
63$5,400,778$0$0$3,162,041
64$5,819,563$0$0$3,409,619
65$6,276,904$0$0$3,680,088
66$6,776,602$0$0$3,975,710
67$7,322,842$0$0$4,298,974
68$7,920,232$0$0$4,652,620
69$8,573,845$0$0$5,039,664
70$9,289,267$0$0$5,463,430
71$10,072,650$0$0$5,927,577
72$10,930,769$0$0$6,436,133
73$11,871,084$0$0$6,993,536
74$12,901,809$0$0$7,604,672
75$14,031,995$0$0$8,274,926
76$15,271,607$0$0$9,010,224
77$16,631,622$0$0$9,817,098
78$18,124,132$0$0$10,702,739
79$19,762,455$0$0$11,675,071
80$21,561,260$0$0$12,742,821
81$23,536,710$0$0$13,915,605
82$25,706,606$0$0$15,204,012
83$28,090,559$0$0$16,619,710
84$30,710,175$0$0$18,175,554
85$33,589,254$0$0$19,885,703
86$36,754,019$0$0$21,765,760
87$40,233,357$0$0$23,832,911
88$44,059,097$0$0$26,106,094
89$48,266,303$0$0$28,606,172
90$52,893,609$0$0$31,356,131
91$57,983,581$0$0$34,381,298
92$63,583,117$0$0$37,709,577
93$69,743,890$0$0$41,371,715
94$76,522,834$0$0$45,401,587
95$83,982,679$0$0$49,836,519
96$92,192,546$0$0$54,717,640
97$101,228,594$0$0$60,090,266
98$111,174,739$0$0$66,004,330
99$122,123,447$0$0$72,514,851
100$134,176,604$0$0$79,682,454