Can I retire at age 35 with 922,000?

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 $922,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$76,138$75,460$74,798$74,152$73,522$70,577
2 years$37,692$36,990$36,310$35,650$35,010$32,080
3 years$24,878$24,173$23,495$22,841$22,212$19,389
4 years$18,473$17,770$17,098$16,456$15,842$13,148
5 years$14,631$13,932$13,269$12,640$12,043$9,484
6 years$12,070$11,376$10,723$10,108$9,529$7,107
7 years$10,241$9,554$8,911$8,310$7,750$5,464
8 years$8,871$8,189$7,557$6,971$6,429$4,278
9 years$7,805$7,130$6,509$5,938$5,414$3,393
10 years$6,953$6,285$5,675$5,119$4,613$2,719
11 years$6,257$5,595$4,996$4,455$3,967$2,195
12 years$5,677$5,022$4,434$3,907$3,438$1,783
13 years$5,186$4,538$3,961$3,450$2,998$1,455
14 years$4,766$4,125$3,559$3,062$2,628$1,192
15 years$4,403$3,769$3,214$2,731$2,314$980
16 years$4,085$3,458$2,914$2,445$2,045$807
17 years$3,805$3,184$2,651$2,197$1,813$666
18 years$3,556$2,942$2,420$1,980$1,612$551
19 years$3,333$2,727$2,216$1,789$1,437$456
20 years$3,134$2,534$2,033$1,620$1,284$378
21 years$2,953$2,360$1,870$1,471$1,149$314
22 years$2,789$2,203$1,724$1,337$1,030$260
23 years$2,640$2,061$1,592$1,218$924$216
24 years$2,503$1,931$1,472$1,111$831$180
25 years$2,377$1,812$1,363$1,014$748$150
26 years$2,261$1,703$1,264$927$673$124
27 years$2,154$1,603$1,174$849$607$104
28 years$2,055$1,510$1,091$778$548$86
29 years$1,963$1,425$1,016$713$495$72
30 years$1,877$1,345$946$655$447$60
31 years$1,797$1,272$882$601$404$50
32 years$1,722$1,203$823$552$366$41
33 years$1,651$1,140$768$508$331$34
34 years$1,585$1,080$718$467$300$29
35 years$1,523$1,025$671$430$271$24
36 years$1,464$972$628$396$246$20
37 years$1,409$924$588$365$223$17
38 years$1,357$878$550$337$202$14
39 years$1,307$835$516$310$183$12
40 years$1,261$794$483$286$166$10
41 years$1,216$756$453$264$151$8
42 years$1,174$720$425$244$137$7
43 years$1,134$686$399$225$124$6
44 years$1,095$654$374$208$113$5
45 years$1,059$623$352$192$102$4
46 years$1,024$595$330$177$93$3
47 years$991$568$310$164$84$3
48 years$959$542$292$151$77$2
49 years$929$517$274$140$70$2
50 years$900$494$258$129$63$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $922,000, adding $4,026 every year, while hoping to spend $59,244 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: 68/6/26 Blend
34$922,000$922,000$922,000$922,000
35$1,020,197$971,331$957,040$1,082,460
36$1,061,222$955,891$926,065$1,109,350
37$1,104,446$937,709$892,068$1,131,622
38$1,150,030$916,588$854,883$1,154,626
39$1,198,152$892,319$814,340$1,178,435
40$1,249,002$864,682$770,260$1,203,133
41$1,302,792$833,442$722,455$1,228,811
42$1,359,749$798,354$670,730$1,255,573
43$1,420,125$759,154$614,880$1,283,535
44$1,484,191$715,566$554,693$1,312,827
45$1,552,248$667,298$489,944$1,343,596
46$1,624,621$614,040$420,401$1,376,003
47$1,701,669$555,465$345,821$1,410,232
48$1,783,783$491,226$265,950$1,446,486
49$1,871,392$420,959$180,522$1,484,992
50$1,964,965$344,277$89,261$1,526,003
51$2,065,018$260,773$0$1,569,803
52$2,172,114$170,015$0$1,618,962
53$2,286,872$71,548$0$1,698,148
54$2,409,972$0$0$1,783,049
55$2,542,157$0$0$1,876,510
56$2,684,247$0$0$1,982,089
57$2,837,137$0$0$2,095,734
58$3,001,814$0$0$2,218,181
59$3,179,359$0$0$2,350,242
60$3,370,961$0$0$2,492,806
61$3,577,928$0$0$2,646,850
62$3,801,693$0$0$2,813,451
63$4,043,836$0$0$2,993,788
64$4,306,089$0$0$3,189,160
65$4,590,360$0$0$3,400,996
66$4,898,747$0$0$3,630,865
67$5,233,554$0$0$3,880,494
68$5,597,318$0$0$4,151,782
69$5,992,829$0$0$4,446,820
70$6,423,156$0$0$4,767,905
71$6,891,678$0$0$5,117,568
72$7,402,109$0$0$5,498,591
73$7,958,540$0$0$5,914,039
74$8,565,472$0$0$6,367,281
75$9,227,858$0$0$6,862,030
76$9,951,152$0$0$7,402,369
77$10,741,356$0$0$7,992,796
78$11,605,080$0$0$8,638,261
79$12,549,599$0$0$9,344,215
80$13,582,924$0$0$10,116,659
81$14,713,876$0$0$10,962,201
82$15,952,169$0$0$11,888,118
83$17,308,497$0$0$12,902,424
84$18,794,642$0$0$14,013,943
85$20,423,574$0$0$15,232,395
86$22,209,581$0$0$16,568,482
87$24,168,400$0$0$18,033,996
88$26,317,361$0$0$19,641,922
89$28,675,556$0$0$21,406,562
90$31,264,012$0$0$23,343,672
91$34,105,892$0$0$25,470,607
92$37,226,713$0$0$27,806,485
93$40,654,580$0$0$30,372,365
94$44,420,458$0$0$33,191,449
95$48,558,458$0$0$36,289,293
96$53,106,158$0$0$39,694,055
97$58,104,957$0$0$43,436,756
98$63,600,467$0$0$47,551,570
99$69,642,935$0$0$52,076,150
100$76,287,725$0$0$57,051,978