Can I retire at age 35 with 921,000?

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 $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%12.4%
1 years$76,055$75,378$74,717$74,072$73,442$72,705
2 years$37,651$36,950$36,270$35,611$34,972$34,230
3 years$24,851$24,147$23,469$22,817$22,188$21,464
4 years$18,453$17,751$17,080$16,438$15,825$15,124
5 years$14,615$13,917$13,255$12,626$12,030$11,354
6 years$12,057$11,364$10,712$10,097$9,519$8,869
7 years$10,230$9,544$8,901$8,301$7,741$7,118
8 years$8,861$8,181$7,549$6,964$6,422$5,825
9 years$7,797$7,123$6,502$5,932$5,408$4,838
10 years$6,946$6,278$5,669$5,113$4,608$4,064
11 years$6,250$5,589$4,991$4,450$3,963$3,444
12 years$5,671$5,017$4,429$3,903$3,434$2,940
13 years$5,181$4,534$3,957$3,446$2,995$2,525
14 years$4,761$4,121$3,555$3,059$2,625$2,179
15 years$4,398$3,764$3,210$2,728$2,311$1,888
16 years$4,080$3,454$2,910$2,443$2,043$1,642
17 years$3,800$3,181$2,648$2,195$1,811$1,432
18 years$3,552$2,939$2,418$1,978$1,611$1,252
19 years$3,330$2,724$2,213$1,787$1,436$1,097
20 years$3,130$2,531$2,031$1,619$1,282$963
21 years$2,950$2,358$1,868$1,469$1,147$847
22 years$2,786$2,201$1,722$1,336$1,029$746
23 years$2,637$2,058$1,590$1,216$923$658
24 years$2,500$1,929$1,470$1,109$830$580
25 years$2,374$1,810$1,362$1,013$747$513
26 years$2,259$1,701$1,263$926$673$453
27 years$2,152$1,601$1,173$848$606$401
28 years$2,053$1,509$1,090$777$547$355
29 years$1,961$1,423$1,015$712$494$315
30 years$1,875$1,344$945$654$446$279
31 years$1,795$1,271$881$601$404$247
32 years$1,720$1,202$822$552$365$219
33 years$1,649$1,138$768$508$330$195
34 years$1,583$1,079$717$467$299$173
35 years$1,521$1,023$670$430$271$153
36 years$1,463$971$627$396$246$136
37 years$1,408$923$587$365$223$121
38 years$1,355$877$550$336$202$107
39 years$1,306$834$515$310$183$95
40 years$1,259$793$483$286$166$85
41 years$1,215$755$453$264$151$75
42 years$1,173$719$425$243$137$67
43 years$1,132$685$398$225$124$60
44 years$1,094$653$374$208$113$53
45 years$1,058$623$351$192$102$47
46 years$1,023$594$330$177$93$42
47 years$990$567$310$164$84$37
48 years$958$541$291$151$76$33
49 years$928$517$274$140$69$29
50 years$899$494$257$129$63$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $921,000, adding $4,225 every year, while hoping to spend $58,883 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: 68/23/9 Blend
34$921,000$921,000$921,000$921,000
35$1,019,300$970,487$956,212$1,086,550
36$1,060,618$955,390$925,594$1,116,626
37$1,104,176$937,579$891,976$1,142,008
38$1,150,142$916,861$855,197$1,168,203
39$1,198,696$893,027$815,086$1,195,282
40$1,250,037$865,859$771,466$1,223,324
41$1,304,381$835,126$724,150$1,252,418
42$1,361,963$800,582$672,944$1,282,663
43$1,423,041$761,969$617,646$1,314,172
44$1,487,898$719,012$558,043$1,347,070
45$1,556,840$671,420$493,915$1,381,497
46$1,630,206$618,888$425,029$1,417,610
47$1,708,364$561,090$351,144$1,455,587
48$1,791,718$497,685$272,008$1,495,622
49$1,880,711$428,309$187,358$1,537,938
50$1,975,828$352,580$96,919$1,582,778
51$2,077,600$270,094$403$1,630,418
52$2,186,610$180,424$0$1,681,163
53$2,303,498$83,118$0$1,745,208
54$2,428,964$0$0$1,813,763
55$2,563,780$0$0$1,892,887
56$2,708,789$0$0$2,000,659
57$2,864,919$0$0$2,116,737
58$3,033,189$0$0$2,241,884
59$3,214,719$0$0$2,376,936
60$3,410,737$0$0$2,522,814
61$3,622,594$0$0$2,680,531
62$3,851,776$0$0$2,851,196
63$4,099,914$0$0$3,036,033
64$4,368,803$0$0$3,236,385
65$4,660,415$0$0$3,453,729
66$4,976,921$0$0$3,689,690
67$5,320,707$0$0$3,946,055
68$5,694,396$0$0$4,224,789
69$6,100,878$0$0$4,528,056
70$6,543,330$0$0$4,858,235
71$7,025,246$0$0$5,217,944
72$7,550,474$0$0$5,610,064
73$8,123,249$0$0$6,037,768
74$8,748,229$0$0$6,504,545
75$9,430,544$0$0$7,014,237
76$10,175,840$0$0$7,571,074
77$10,990,332$0$0$8,179,712
78$11,880,865$0$0$8,845,277
79$12,854,971$0$0$9,573,414
80$13,920,948$0$0$10,370,337
81$15,087,929$0$0$11,242,890
82$16,365,974$0$0$12,198,609
83$17,766,161$0$0$13,245,793
84$19,300,689$0$0$14,393,581
85$20,982,994$0$0$15,652,041
86$22,827,873$0$0$17,032,259
87$24,851,625$0$0$18,546,446
88$27,072,203$0$0$20,208,052
89$29,509,379$0$0$22,031,893
90$32,184,935$0$0$24,034,289
91$35,122,864$0$0$26,233,215
92$38,349,597$0$0$28,648,476
93$41,894,248$0$0$31,301,887
94$45,788,893$0$0$34,217,481
95$50,068,868$0$0$37,421,734
96$54,773,099$0$0$40,943,813
97$59,944,474$0$0$44,815,854
98$65,630,241$0$0$49,073,261
99$71,882,456$0$0$53,755,037
100$78,758,473$0$0$58,904,159