Can I retire at age 35 with 925,000?

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 $925,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$76,386$75,705$75,041$74,393$73,761$72,007
2 years$37,815$37,110$36,428$35,766$35,124$33,367
3 years$24,959$24,252$23,571$22,916$22,284$20,579
4 years$18,533$17,828$17,154$16,509$15,893$14,254
5 years$14,678$13,977$13,312$12,681$12,082$10,512
6 years$12,109$11,413$10,758$10,141$9,560$8,061
7 years$10,275$9,585$8,940$8,337$7,775$6,348
8 years$8,900$8,216$7,582$6,994$6,450$5,094
9 years$7,831$7,154$6,530$5,957$5,432$4,146
10 years$6,976$6,306$5,693$5,135$4,628$3,410
11 years$6,277$5,613$5,012$4,469$3,980$2,829
12 years$5,695$5,038$4,448$3,920$3,449$2,363
13 years$5,203$4,553$3,974$3,461$3,008$1,984
14 years$4,782$4,139$3,571$3,072$2,637$1,674
15 years$4,417$3,781$3,224$2,740$2,322$1,417
16 years$4,098$3,469$2,923$2,453$2,052$1,203
17 years$3,817$3,195$2,660$2,204$1,819$1,024
18 years$3,567$2,952$2,428$1,986$1,618$874
19 years$3,344$2,736$2,223$1,795$1,442$747
20 years$3,144$2,542$2,040$1,626$1,288$639
21 years$2,963$2,368$1,876$1,475$1,152$548
22 years$2,798$2,211$1,729$1,341$1,033$470
23 years$2,648$2,067$1,597$1,222$927$404
24 years$2,511$1,937$1,477$1,114$833$347
25 years$2,385$1,818$1,368$1,018$750$298
26 years$2,269$1,708$1,269$930$676$257
27 years$2,161$1,608$1,178$852$609$221
28 years$2,062$1,515$1,095$780$550$190
29 years$1,969$1,429$1,019$716$496$164
30 years$1,883$1,350$949$657$448$141
31 years$1,802$1,276$885$603$405$122
32 years$1,727$1,207$826$554$367$105
33 years$1,657$1,143$771$510$332$91
34 years$1,590$1,084$720$469$300$78
35 years$1,528$1,028$673$432$272$67
36 years$1,469$976$630$398$247$58
37 years$1,414$927$590$366$223$50
38 years$1,361$881$552$338$203$43
39 years$1,312$837$517$311$184$37
40 years$1,265$797$485$287$167$32
41 years$1,220$758$455$265$151$28
42 years$1,178$722$426$245$137$24
43 years$1,137$688$400$226$125$21
44 years$1,099$656$376$208$113$18
45 years$1,062$626$353$192$103$15
46 years$1,028$597$331$178$93$13
47 years$994$569$311$164$85$12
48 years$963$544$292$152$77$10
49 years$932$519$275$140$70$9
50 years$903$496$258$130$63$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $925,000, adding $4,474 every year, while hoping to spend $42,910 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: 57/38/5 Blend
34$925,000$925,000$925,000$925,000
35$1,023,965$974,940$960,602$1,081,101
36$1,082,753$977,056$947,127$1,122,119
37$1,146,100$977,838$931,761$1,161,540
38$1,214,425$977,174$914,398$1,203,412
39$1,288,189$974,948$894,922$1,247,972
40$1,367,898$971,034$873,216$1,295,482
41$1,454,109$965,301$849,155$1,346,234
42$1,547,434$957,607$822,608$1,400,548
43$1,648,547$947,804$793,439$1,458,782
44$1,758,186$935,733$761,507$1,521,329
45$1,877,165$921,228$726,661$1,588,627
46$2,006,379$904,111$688,747$1,661,158
47$2,146,811$884,195$647,602$1,739,457
48$2,299,544$861,279$603,055$1,824,117
49$2,465,770$835,154$554,930$1,915,793
50$2,646,799$805,596$503,040$2,015,210
51$2,844,072$772,371$447,192$2,123,169
52$3,059,177$735,226$387,183$2,240,557
53$3,293,861$693,900$322,801$2,368,356
54$3,550,046$648,112$253,826$2,507,651
55$3,829,848$597,567$180,026$2,659,641
56$4,135,597$541,953$101,162$2,825,654
57$4,469,859$480,940$16,982$3,007,156
58$4,835,457$414,178$0$3,205,768
59$5,235,501$341,300$0$3,427,170
60$5,673,415$261,916$0$3,670,675
61$6,152,968$175,615$0$3,937,582
62$6,678,312$81,962$0$4,230,323
63$7,254,021$0$0$4,551,590
64$7,885,130$0$0$4,912,506
65$8,577,184$0$0$5,345,939
66$9,336,293$0$0$5,821,451
67$10,169,184$0$0$6,343,267
68$11,083,269$0$0$6,916,042
69$12,086,710$0$0$7,544,900
70$13,188,500$0$0$8,235,491
71$14,398,545$0$0$8,994,033
72$15,727,756$0$0$9,827,380
73$17,188,154$0$0$10,743,081
74$18,792,982$0$0$11,749,453
75$20,556,829$0$0$12,855,658
76$22,495,767$0$0$14,071,790
77$24,627,505$0$0$15,408,971
78$26,971,551$0$0$16,879,453
79$29,549,399$0$0$18,496,735
80$32,384,730$0$0$20,275,690
81$35,503,635$0$0$22,232,706
82$38,934,863$0$0$24,385,838
83$42,710,086$0$0$26,754,979
84$46,864,203$0$0$29,362,049
85$51,435,668$0$0$32,231,199
86$56,466,848$0$0$35,389,040
87$62,004,428$0$0$38,864,894
88$68,099,848$0$0$42,691,070
89$74,809,785$0$0$46,903,168
90$82,196,694$0$0$51,540,413
91$90,329,392$0$0$56,646,032
92$99,283,707$0$0$62,267,651
93$109,143,195$0$0$68,457,752
94$119,999,926$0$0$75,274,166
95$131,955,353$0$0$82,780,617
96$145,121,270$0$0$91,047,323
97$159,620,864$0$0$100,151,660
98$175,589,880$0$0$110,178,891
99$193,177,898$0$0$121,222,970
100$212,549,745$0$0$133,387,428