Can I retire at age 35 with 921,000?

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 $921,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$76,055$75,378$74,717$74,072$73,442$70,584
2 years$37,651$36,950$36,270$35,611$34,972$32,127
3 years$24,851$24,147$23,469$22,817$22,188$19,446
4 years$18,453$17,751$17,080$16,438$15,825$13,206
5 years$14,615$13,917$13,255$12,626$12,030$9,541
6 years$12,057$11,364$10,712$10,097$9,519$7,162
7 years$10,230$9,544$8,901$8,301$7,741$5,516
8 years$8,861$8,181$7,549$6,964$6,422$4,326
9 years$7,797$7,123$6,502$5,932$5,408$3,438
10 years$6,946$6,278$5,669$5,113$4,608$2,760
11 years$6,250$5,589$4,991$4,450$3,963$2,233
12 years$5,671$5,017$4,429$3,903$3,434$1,817
13 years$5,181$4,534$3,957$3,446$2,995$1,486
14 years$4,761$4,121$3,555$3,059$2,625$1,220
15 years$4,398$3,764$3,210$2,728$2,311$1,005
16 years$4,080$3,454$2,910$2,443$2,043$830
17 years$3,800$3,181$2,648$2,195$1,811$686
18 years$3,552$2,939$2,418$1,978$1,611$569
19 years$3,330$2,724$2,213$1,787$1,436$472
20 years$3,130$2,531$2,031$1,619$1,282$392
21 years$2,950$2,358$1,868$1,469$1,147$326
22 years$2,786$2,201$1,722$1,336$1,029$271
23 years$2,637$2,058$1,590$1,216$923$226
24 years$2,500$1,929$1,470$1,109$830$188
25 years$2,374$1,810$1,362$1,013$747$157
26 years$2,259$1,701$1,263$926$673$131
27 years$2,152$1,601$1,173$848$606$109
28 years$2,053$1,509$1,090$777$547$91
29 years$1,961$1,423$1,015$712$494$76
30 years$1,875$1,344$945$654$446$63
31 years$1,795$1,271$881$601$404$53
32 years$1,720$1,202$822$552$365$44
33 years$1,649$1,138$768$508$330$37
34 years$1,583$1,079$717$467$299$31
35 years$1,521$1,023$670$430$271$26
36 years$1,463$971$627$396$246$22
37 years$1,408$923$587$365$223$18
38 years$1,355$877$550$336$202$15
39 years$1,306$834$515$310$183$13
40 years$1,259$793$483$286$166$10
41 years$1,215$755$453$264$151$9
42 years$1,173$719$425$243$137$7
43 years$1,132$685$398$225$124$6
44 years$1,094$653$374$208$113$5
45 years$1,058$623$351$192$102$4
46 years$1,023$594$330$177$93$4
47 years$990$567$310$164$84$3
48 years$958$541$291$151$76$2
49 years$928$517$274$140$69$2
50 years$899$494$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 $921,000, adding $6,050 every year, while hoping to spend $55,669 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: 48/31/21 Blend
34$921,000$921,000$921,000$921,000
35$1,021,183$972,370$958,094$1,063,865
36$1,066,112$960,784$930,959$1,082,635
37$1,113,758$946,766$901,049$1,096,920
38$1,164,340$930,135$868,212$1,111,278
39$1,218,095$910,705$832,290$1,125,740
40$1,275,286$888,275$793,117$1,140,341
41$1,336,199$862,634$750,520$1,155,128
42$1,401,145$833,557$704,317$1,170,154
43$1,470,469$800,808$654,318$1,185,483
44$1,544,546$764,137$600,327$1,201,188
45$1,623,787$723,277$542,136$1,217,357
46$1,708,645$677,949$479,528$1,234,091
47$1,799,613$627,855$412,279$1,251,505
48$1,897,236$572,682$340,153$1,269,735
49$2,002,110$512,099$262,904$1,288,935
50$2,114,888$445,755$180,274$1,309,281
51$2,236,290$373,280$91,996$1,330,975
52$2,367,103$294,283$0$1,354,247
53$2,508,195$208,350$0$1,379,852
54$2,660,517$115,046$0$1,429,622
55$2,825,116$13,908$0$1,483,323
56$3,003,140$0$0$1,541,406
57$3,195,853$0$0$1,636,965
58$3,404,644$0$0$1,745,721
59$3,631,041$0$0$1,863,737
60$3,876,722$0$0$1,991,899
61$4,143,535$0$0$2,131,183
62$4,433,512$0$0$2,282,661
63$4,748,888$0$0$2,447,513
64$5,092,121$0$0$2,627,040
65$5,465,918$0$0$2,822,669
66$5,873,256$0$0$3,035,974
67$6,317,412$0$0$3,268,686
68$6,801,991$0$0$3,522,711
69$7,330,964$0$0$3,800,145
70$7,908,700$0$0$4,103,299
71$8,540,010$0$0$4,434,714
72$9,230,188$0$0$4,797,188
73$9,985,067$0$0$5,193,805
74$10,811,065$0$0$5,627,956
75$11,715,252$0$0$6,103,378
76$12,705,412$0$0$6,624,187
77$13,790,117$0$0$7,194,914
78$14,978,807$0$0$7,820,550
79$16,281,881$0$0$8,506,590
80$17,710,787$0$0$9,259,090
81$19,278,139$0$0$10,084,716
82$20,997,828$0$0$10,990,814
83$22,885,154$0$0$11,985,474
84$24,956,973$0$0$13,077,608
85$27,231,849$0$0$14,277,032
86$29,730,235$0$0$15,594,561
87$32,474,659$0$0$17,042,108
88$35,489,940$0$0$18,632,797
89$38,803,421$0$0$20,381,087
90$42,445,222$0$0$22,302,906
91$46,448,528$0$0$24,415,804
92$50,849,898$0$0$26,739,114
93$55,689,613$0$0$29,294,139
94$61,012,049$0$0$32,104,346
95$66,866,099$0$0$35,195,594
96$73,305,634$0$0$38,596,372
97$80,390,005$0$0$42,338,071
98$88,184,609$0$0$46,455,276
99$96,761,500$0$0$50,986,097
100$106,200,068$0$0$55,972,520