Can I retire at age 35 with 922,000?

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 $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%15%
1 years$76,138$75,460$74,798$74,152$73,522$72,008
2 years$37,692$36,990$36,310$35,650$35,010$33,492
3 years$24,878$24,173$23,495$22,841$22,212$20,737
4 years$18,473$17,770$17,098$16,456$15,842$14,421
5 years$14,631$13,932$13,269$12,640$12,043$10,680
6 years$12,070$11,376$10,723$10,108$9,529$8,226
7 years$10,241$9,554$8,911$8,310$7,750$6,507
8 years$8,871$8,189$7,557$6,971$6,429$5,246
9 years$7,805$7,130$6,509$5,938$5,414$4,290
10 years$6,953$6,285$5,675$5,119$4,613$3,547
11 years$6,257$5,595$4,996$4,455$3,967$2,957
12 years$5,677$5,022$4,434$3,907$3,438$2,483
13 years$5,186$4,538$3,961$3,450$2,998$2,096
14 years$4,766$4,125$3,559$3,062$2,628$1,778
15 years$4,403$3,769$3,214$2,731$2,314$1,513
16 years$4,085$3,458$2,914$2,445$2,045$1,292
17 years$3,805$3,184$2,651$2,197$1,813$1,107
18 years$3,556$2,942$2,420$1,980$1,612$950
19 years$3,333$2,727$2,216$1,789$1,437$816
20 years$3,134$2,534$2,033$1,620$1,284$703
21 years$2,953$2,360$1,870$1,471$1,149$606
22 years$2,789$2,203$1,724$1,337$1,030$523
23 years$2,640$2,061$1,592$1,218$924$452
24 years$2,503$1,931$1,472$1,111$831$391
25 years$2,377$1,812$1,363$1,014$748$338
26 years$2,261$1,703$1,264$927$673$293
27 years$2,154$1,603$1,174$849$607$254
28 years$2,055$1,510$1,091$778$548$220
29 years$1,963$1,425$1,016$713$495$191
30 years$1,877$1,345$946$655$447$166
31 years$1,797$1,272$882$601$404$144
32 years$1,722$1,203$823$552$366$125
33 years$1,651$1,140$768$508$331$108
34 years$1,585$1,080$718$467$300$94
35 years$1,523$1,025$671$430$271$82
36 years$1,464$972$628$396$246$71
37 years$1,409$924$588$365$223$62
38 years$1,357$878$550$337$202$54
39 years$1,307$835$516$310$183$47
40 years$1,261$794$483$286$166$40
41 years$1,216$756$453$264$151$35
42 years$1,174$720$425$244$137$31
43 years$1,134$686$399$225$124$27
44 years$1,095$654$374$208$113$23
45 years$1,059$623$352$192$102$20
46 years$1,024$595$330$177$93$17
47 years$991$568$310$164$84$15
48 years$959$542$292$151$77$13
49 years$929$517$274$140$70$11
50 years$900$494$258$129$63$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $922,000, adding $5,828 every year, while hoping to spend $31,444 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: 37/39/24 Blend
34$922,000$922,000$922,000$922,000
35$1,022,056$973,190$958,899$1,052,330
36$1,092,849$987,420$957,566$1,089,247
37$1,169,810$1,001,293$955,134$1,125,768
38$1,253,533$1,014,759$951,534$1,164,592
39$1,344,675$1,027,764$946,692$1,205,947
40$1,443,957$1,040,250$940,531$1,250,083
41$1,552,172$1,052,154$932,971$1,297,279
42$1,670,195$1,063,411$923,926$1,347,843
43$1,798,987$1,073,950$913,310$1,402,117
44$1,939,606$1,083,696$901,028$1,460,479
45$2,093,218$1,092,568$886,984$1,523,347
46$2,261,104$1,100,483$871,077$1,591,184
47$2,444,679$1,107,348$853,199$1,664,502
48$2,645,495$1,113,067$833,241$1,743,868
49$2,865,266$1,117,538$811,084$1,829,910
50$3,105,876$1,120,650$786,609$1,923,321
51$3,369,401$1,122,288$759,686$2,024,868
52$3,658,128$1,122,328$730,184$2,135,401
53$3,974,574$1,120,639$697,962$2,255,858
54$4,321,512$1,117,082$662,875$2,387,276
55$4,701,996$1,111,508$624,771$2,530,803
56$5,119,389$1,103,762$583,491$2,687,706
57$5,577,397$1,093,677$538,868$2,859,387
58$6,080,101$1,081,076$490,729$3,047,395
59$6,631,995$1,065,773$438,892$3,253,441
60$7,238,032$1,047,569$383,168$3,479,417
61$7,903,666$1,026,254$323,359$3,727,412
62$8,634,906$1,001,607$259,258$3,999,733
63$9,438,373$973,392$190,649$4,298,931
64$10,321,358$941,360$117,307$4,627,821
65$11,291,896$905,246$38,997$4,989,512
66$12,358,839$864,772$0$5,387,440
67$13,531,938$819,643$0$5,836,810
68$14,821,936$769,547$0$6,341,794
69$16,240,671$714,152$0$6,897,086
70$17,801,185$653,110$0$7,507,860
71$19,517,845$586,052$0$8,179,823
72$21,406,485$512,588$0$8,919,271
73$23,484,547$432,306$0$9,733,146
74$25,771,251$344,769$0$10,629,107
75$28,287,775$249,519$0$11,615,599
76$31,057,451$146,069$0$12,701,937
77$34,105,991$33,906$0$13,898,394
78$37,461,723$0$0$15,216,299
79$41,155,862$0$0$16,705,700
80$45,222,805$0$0$18,361,587
81$49,700,451$0$0$20,184,859
82$54,630,562$0$0$22,192,543
83$60,059,155$0$0$24,403,398
84$66,036,937$0$0$26,838,097
85$72,619,783$0$0$29,519,421
86$79,869,263$0$0$32,472,471
87$87,853,220$0$0$35,724,907
88$96,646,416$0$0$39,307,209
89$106,331,231$0$0$43,252,965
90$116,998,444$0$0$47,599,184
91$128,748,088$0$0$52,386,652
92$141,690,393$0$0$57,660,312
93$155,946,828$0$0$63,469,686
94$171,651,246$0$0$69,869,349
95$188,951,147$0$0$76,919,439
96$208,009,069$0$0$84,686,226
97$229,004,124$0$0$93,242,736
98$252,133,685$0$0$102,669,444
99$277,615,252$0$0$113,055,029
100$305,688,504$0$0$124,497,212