Can I retire at age 35 with 923,000?

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 $923,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$76,220$75,542$74,879$74,233$73,601$71,968
2 years$37,733$37,030$36,349$35,689$35,048$33,411
3 years$24,905$24,200$23,520$22,866$22,236$20,647
4 years$18,493$17,789$17,117$16,474$15,859$14,329
5 years$14,646$13,947$13,283$12,653$12,056$10,590
6 years$12,083$11,389$10,735$10,119$9,539$8,139
7 years$10,253$9,564$8,921$8,319$7,758$6,423
8 years$8,880$8,198$7,565$6,979$6,436$5,166
9 years$7,814$7,138$6,516$5,945$5,420$4,215
10 years$6,961$6,292$5,681$5,124$4,618$3,476
11 years$6,264$5,601$5,001$4,460$3,972$2,891
12 years$5,683$5,027$4,439$3,912$3,442$2,421
13 years$5,192$4,543$3,966$3,453$3,001$2,039
14 years$4,772$4,130$3,563$3,066$2,631$1,724
15 years$4,407$3,773$3,217$2,734$2,317$1,464
16 years$4,089$3,461$2,917$2,448$2,047$1,246
17 years$3,809$3,188$2,654$2,199$1,815$1,064
18 years$3,560$2,946$2,423$1,982$1,614$910
19 years$3,337$2,730$2,218$1,791$1,439$780
20 years$3,137$2,537$2,036$1,622$1,285$670
21 years$2,956$2,363$1,872$1,472$1,150$576
22 years$2,792$2,206$1,726$1,339$1,031$496
23 years$2,642$2,063$1,593$1,219$925$427
24 years$2,505$1,933$1,474$1,112$832$368
25 years$2,380$1,814$1,365$1,015$748$318
26 years$2,264$1,705$1,266$928$674$274
27 years$2,157$1,604$1,175$850$608$237
28 years$2,057$1,512$1,093$779$548$205
29 years$1,965$1,426$1,017$714$495$177
30 years$1,879$1,347$947$655$447$153
31 years$1,799$1,273$883$602$405$132
32 years$1,723$1,205$824$553$366$114
33 years$1,653$1,141$769$509$331$99
34 years$1,587$1,081$719$468$300$86
35 years$1,525$1,026$672$431$272$74
36 years$1,466$973$629$397$246$64
37 years$1,411$925$588$366$223$56
38 years$1,358$879$551$337$202$48
39 years$1,309$836$516$311$183$42
40 years$1,262$795$484$287$166$36
41 years$1,217$757$454$264$151$31
42 years$1,175$721$426$244$137$27
43 years$1,135$687$399$225$124$23
44 years$1,097$655$375$208$113$20
45 years$1,060$624$352$192$102$18
46 years$1,025$595$331$177$93$15
47 years$992$568$311$164$84$13
48 years$961$542$292$151$77$11
49 years$930$518$274$140$70$10
50 years$901$495$258$129$63$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $923,000, adding $4,906 every year, while hoping to spend $21,804 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: 66/19/15 Blend
34$923,000$923,000$923,000$923,000
35$1,022,207$973,288$958,981$1,085,710
36$1,103,272$997,779$967,908$1,153,244
37$1,191,876$1,022,740$976,402$1,224,038
38$1,288,764$1,048,171$984,428$1,300,881
39$1,394,756$1,074,070$991,945$1,384,362
40$1,510,758$1,100,436$998,912$1,475,133
41$1,637,764$1,127,266$1,005,285$1,573,910
42$1,776,872$1,154,558$1,011,017$1,681,484
43$1,929,289$1,182,307$1,016,062$1,798,725
44$2,096,344$1,210,508$1,020,368$1,926,590
45$2,279,502$1,239,154$1,023,881$2,066,135
46$2,480,376$1,268,238$1,026,547$2,218,523
47$2,700,743$1,297,750$1,028,304$2,385,037
48$2,942,560$1,327,681$1,029,093$2,567,086
49$3,207,981$1,358,017$1,028,848$2,766,228
50$3,499,382$1,388,747$1,027,502$2,984,174
51$3,819,378$1,419,854$1,024,981$3,222,815
52$4,170,849$1,451,322$1,021,213$3,484,230
53$4,556,970$1,483,131$1,016,119$3,770,712
54$4,981,238$1,515,261$1,009,615$4,084,787
55$5,447,504$1,547,689$1,001,617$4,429,239
56$5,960,011$1,580,387$992,033$4,807,135
57$6,523,435$1,613,330$980,769$5,221,855
58$7,142,927$1,646,484$967,727$5,677,124
59$7,824,162$1,679,818$952,801$6,177,048
60$8,573,391$1,713,293$935,884$6,726,148
61$9,397,503$1,746,871$916,863$7,329,410
62$10,304,087$1,780,507$895,617$7,992,327
63$11,301,507$1,814,154$872,023$8,720,953
64$12,398,975$1,847,762$845,950$9,521,958
65$13,606,643$1,881,275$817,262$10,402,693
66$14,935,697$1,914,634$785,816$11,371,261
67$16,398,462$1,947,774$751,465$12,436,590
68$18,008,517$1,980,628$714,051$13,608,520
69$19,780,826$2,013,119$673,412$14,897,893
70$21,731,877$2,045,169$629,379$16,316,659
71$23,879,838$2,076,691$581,772$17,877,987
72$26,244,727$2,107,595$530,407$19,596,392
73$28,848,603$2,137,781$475,089$21,487,866
74$31,715,772$2,167,143$415,616$23,570,035
75$34,873,017$2,195,570$351,776$25,862,326
76$38,349,852$2,222,940$283,348$28,386,145
77$42,178,798$2,249,125$210,100$31,165,083
78$46,395,689$2,273,986$131,793$34,225,141
79$51,040,015$2,297,377$48,174$37,594,971
80$56,155,290$2,319,141$0$41,306,149
81$61,789,461$2,339,111$0$45,400,047
82$67,995,368$2,357,109$0$49,917,098
83$74,831,234$2,372,946$0$54,891,893
84$82,361,219$2,386,419$0$60,371,056
85$90,656,024$2,397,315$0$66,405,968
86$99,793,559$2,405,403$0$73,053,247
87$109,859,677$2,410,443$0$80,375,287
88$120,948,985$2,412,176$0$88,440,847
89$133,165,736$2,410,327$0$97,325,698
90$146,624,815$2,404,607$0$107,113,337
91$161,452,819$2,394,706$0$117,895,782
92$177,789,256$2,380,296$0$129,774,432
93$195,787,860$2,361,030$0$142,861,032
94$215,618,040$2,336,539$0$157,278,724
95$237,466,483$2,306,433$0$173,163,209
96$261,538,913$2,270,296$0$190,664,032
97$288,062,032$2,227,691$0$209,945,990
98$317,285,663$2,178,151$0$231,190,692
99$349,485,105$2,121,185$0$254,598,270
100$384,963,734$2,056,271$0$280,389,270