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%19.6%
1 years$76,055$75,378$74,717$74,072$73,442$70,612
2 years$37,651$36,950$36,270$35,611$34,972$32,155
3 years$24,851$24,147$23,469$22,817$22,188$19,471
4 years$18,453$17,751$17,080$16,438$15,825$13,230
5 years$14,615$13,917$13,255$12,626$12,030$9,564
6 years$12,057$11,364$10,712$10,097$9,519$7,183
7 years$10,230$9,544$8,901$8,301$7,741$5,535
8 years$8,861$8,181$7,549$6,964$6,422$4,343
9 years$7,797$7,123$6,502$5,932$5,408$3,454
10 years$6,946$6,278$5,669$5,113$4,608$2,774
11 years$6,250$5,589$4,991$4,450$3,963$2,246
12 years$5,671$5,017$4,429$3,903$3,434$1,829
13 years$5,181$4,534$3,957$3,446$2,995$1,497
14 years$4,761$4,121$3,555$3,059$2,625$1,230
15 years$4,398$3,764$3,210$2,728$2,311$1,014
16 years$4,080$3,454$2,910$2,443$2,043$837
17 years$3,800$3,181$2,648$2,195$1,811$693
18 years$3,552$2,939$2,418$1,978$1,611$575
19 years$3,330$2,724$2,213$1,787$1,436$477
20 years$3,130$2,531$2,031$1,619$1,282$397
21 years$2,950$2,358$1,868$1,469$1,147$330
22 years$2,786$2,201$1,722$1,336$1,029$275
23 years$2,637$2,058$1,590$1,216$923$229
24 years$2,500$1,929$1,470$1,109$830$191
25 years$2,374$1,810$1,362$1,013$747$160
26 years$2,259$1,701$1,263$926$673$133
27 years$2,152$1,601$1,173$848$606$111
28 years$2,053$1,509$1,090$777$547$93
29 years$1,961$1,423$1,015$712$494$78
30 years$1,875$1,344$945$654$446$65
31 years$1,795$1,271$881$601$404$54
32 years$1,720$1,202$822$552$365$45
33 years$1,649$1,138$768$508$330$38
34 years$1,583$1,079$717$467$299$32
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$11
41 years$1,215$755$453$264$151$9
42 years$1,173$719$425$243$137$8
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$3
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 $4,829 every year, while hoping to spend $44,045 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: 30/45/25 Blend
34$921,000$921,000$921,000$921,000
35$1,019,923$971,110$956,835$1,042,517
36$1,077,092$971,831$942,025$1,061,095
37$1,138,615$971,111$925,243$1,076,849
38$1,204,892$968,833$906,376$1,092,903
39$1,276,358$964,873$885,307$1,109,312
40$1,353,493$959,098$861,911$1,126,141
41$1,436,825$951,370$836,061$1,143,465
42$1,526,932$941,538$807,621$1,161,371
43$1,624,453$929,447$776,450$1,179,958
44$1,730,087$914,930$742,400$1,199,342
45$1,844,603$897,809$705,318$1,219,654
46$1,968,849$877,898$665,043$1,241,043
47$2,103,755$854,998$621,405$1,263,681
48$2,250,344$828,899$574,228$1,287,761
49$2,409,744$799,380$523,330$1,313,504
50$2,583,194$766,206$468,517$1,341,159
51$2,772,057$729,127$409,589$1,371,008
52$2,977,833$687,880$346,337$1,403,367
53$3,202,173$642,188$278,541$1,438,597
54$3,446,895$591,756$205,972$1,477,098
55$3,713,999$536,272$128,393$1,519,324
56$4,005,687$475,409$45,554$1,565,785
57$4,324,382$408,819$0$1,617,049
58$4,672,752$336,134$0$1,685,186
59$5,053,735$256,968$0$1,773,192
60$5,470,566$170,909$0$1,869,778
61$5,926,807$77,526$0$1,975,917
62$6,426,378$0$0$2,092,688
63$6,973,600$0$0$2,232,997
64$7,573,227$0$0$2,428,951
65$8,230,499$0$0$2,643,890
66$8,951,184$0$0$2,879,719
67$9,741,635$0$0$3,138,537
68$10,608,852$0$0$3,422,654
69$11,560,542$0$0$3,734,617
70$12,605,197$0$0$4,077,230
71$13,752,169$0$0$4,453,582
72$15,011,762$0$0$4,867,078
73$16,395,324$0$0$5,321,465
74$17,915,359$0$0$5,820,876
75$19,585,640$0$0$6,369,860
76$21,421,342$0$0$6,973,431
77$23,439,182$0$0$7,637,112
78$25,657,576$0$0$8,366,989
79$28,096,816$0$0$9,169,766
80$30,779,256$0$0$10,052,831
81$33,729,528$0$0$11,024,323
82$36,974,766$0$0$12,093,209
83$40,544,872$0$0$13,269,370
84$44,472,786$0$0$14,563,694
85$48,794,806$0$0$15,988,175
86$53,550,925$0$0$17,556,031
87$58,785,208$0$0$19,281,826
88$64,546,209$0$0$21,181,607
89$70,887,426$0$0$23,273,056
90$77,867,809$0$0$25,575,658
91$85,552,312$0$0$28,110,880
92$94,012,506$0$0$30,902,380
93$103,327,257$0$0$33,976,225
94$113,583,466$0$0$37,361,138
95$124,876,887$0$0$41,088,772
96$137,313,036$0$0$45,194,004
97$151,008,182$0$0$49,715,266
98$166,090,444$0$0$54,694,909
99$182,700,997$0$0$60,179,598
100$200,995,412$0$0$66,220,759