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%17.3%
1 years$76,386$75,705$75,041$74,393$73,761$71,572
2 years$37,815$37,110$36,428$35,766$35,124$32,937
3 years$24,959$24,252$23,571$22,916$22,284$20,167
4 years$18,533$17,828$17,154$16,509$15,893$13,863
5 years$14,678$13,977$13,312$12,681$12,082$10,143
6 years$12,109$11,413$10,758$10,141$9,560$7,715
7 years$10,275$9,585$8,940$8,337$7,775$6,024
8 years$8,900$8,216$7,582$6,994$6,450$4,792
9 years$7,831$7,154$6,530$5,957$5,432$3,864
10 years$6,976$6,306$5,693$5,135$4,628$3,149
11 years$6,277$5,613$5,012$4,469$3,980$2,588
12 years$5,695$5,038$4,448$3,920$3,449$2,140
13 years$5,203$4,553$3,974$3,461$3,008$1,779
14 years$4,782$4,139$3,571$3,072$2,637$1,485
15 years$4,417$3,781$3,224$2,740$2,322$1,244
16 years$4,098$3,469$2,923$2,453$2,052$1,045
17 years$3,817$3,195$2,660$2,204$1,819$880
18 years$3,567$2,952$2,428$1,986$1,618$743
19 years$3,344$2,736$2,223$1,795$1,442$627
20 years$3,144$2,542$2,040$1,626$1,288$531
21 years$2,963$2,368$1,876$1,475$1,152$450
22 years$2,798$2,211$1,729$1,341$1,033$381
23 years$2,648$2,067$1,597$1,222$927$324
24 years$2,511$1,937$1,477$1,114$833$275
25 years$2,385$1,818$1,368$1,018$750$234
26 years$2,269$1,708$1,269$930$676$199
27 years$2,161$1,608$1,178$852$609$169
28 years$2,062$1,515$1,095$780$550$144
29 years$1,969$1,429$1,019$716$496$122
30 years$1,883$1,350$949$657$448$104
31 years$1,802$1,276$885$603$405$89
32 years$1,727$1,207$826$554$367$75
33 years$1,657$1,143$771$510$332$64
34 years$1,590$1,084$720$469$300$55
35 years$1,528$1,028$673$432$272$47
36 years$1,469$976$630$398$247$40
37 years$1,414$927$590$366$223$34
38 years$1,361$881$552$338$203$29
39 years$1,312$837$517$311$184$25
40 years$1,265$797$485$287$167$21
41 years$1,220$758$455$265$151$18
42 years$1,178$722$426$245$137$15
43 years$1,137$688$400$226$125$13
44 years$1,099$656$376$208$113$11
45 years$1,062$626$353$192$103$9
46 years$1,028$597$331$178$93$8
47 years$994$569$311$164$85$7
48 years$963$544$292$152$77$6
49 years$932$519$275$140$70$5
50 years$903$496$258$130$63$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $925,000, adding $6,902 every year, while hoping to spend $38,382 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: 28/47/25 Blend
34$925,000$925,000$925,000$925,000
35$1,026,469$977,444$963,107$1,047,053
36$1,090,331$984,501$954,533$1,070,897
37$1,159,420$990,617$944,385$1,092,686
38$1,234,230$995,706$932,571$1,115,305
39$1,315,301$999,675$918,991$1,138,851
40$1,403,230$1,002,427$903,546$1,163,433
41$1,498,671$1,003,858$886,126$1,189,174
42$1,602,345$1,003,856$866,621$1,216,214
43$1,715,044$1,002,305$844,913$1,244,707
44$1,837,640$999,080$820,879$1,274,832
45$1,971,092$994,048$794,391$1,306,784
46$2,116,456$987,069$765,316$1,340,786
47$2,274,893$977,993$733,512$1,377,087
48$2,447,681$966,664$698,834$1,415,965
49$2,636,227$952,913$661,127$1,457,732
50$2,842,079$936,563$620,232$1,502,738
51$3,066,942$917,426$575,981$1,551,373
52$3,312,693$895,302$528,199$1,604,071
53$3,581,398$869,982$476,704$1,661,321
54$3,875,331$841,242$421,304$1,723,664
55$4,196,998$808,845$361,800$1,791,705
56$4,549,155$772,542$297,984$1,866,119
57$4,934,840$732,068$229,638$1,947,656
58$5,357,398$687,144$156,535$2,037,151
59$5,820,511$637,473$78,438$2,135,534
60$6,328,237$582,743$0$2,243,839
61$6,885,044$522,623$0$2,364,524
62$7,495,851$456,764$0$2,519,970
63$8,166,079$384,797$0$2,690,722
64$8,901,698$306,331$0$2,878,429
65$9,709,285$220,956$0$3,084,917
66$10,596,084$128,234$0$3,312,206
67$11,570,075$27,707$0$3,562,531
68$12,640,048$0$0$3,838,364
69$13,815,688$0$0$4,184,390
70$15,107,663$0$0$4,580,566
71$16,527,727$0$0$5,016,188
72$18,088,829$0$0$5,495,248
73$19,805,234$0$0$6,022,146
74$21,692,660$0$0$6,601,728
75$23,768,423$0$0$7,239,335
76$26,051,602$0$0$7,940,851
77$28,563,217$0$0$8,712,759
78$31,326,429$0$0$9,562,204
79$34,366,757$0$0$10,497,055
80$37,712,316$0$0$11,525,986
81$41,394,087$0$0$12,658,551
82$45,446,205$0$0$13,905,282
83$49,906,281$0$0$15,277,778
84$54,815,759$0$0$16,788,826
85$60,220,304$0$0$18,452,511
86$66,170,232$0$0$20,284,355
87$72,720,987$0$0$22,301,462
88$79,933,664$0$0$24,522,680
89$87,875,580$0$0$26,968,776
90$96,620,915$0$0$29,662,634
91$106,251,408$0$0$32,629,471
92$116,857,129$0$0$35,897,075
93$128,537,328$0$0$39,496,066
94$141,401,372$0$0$43,460,185
95$155,569,775$0$0$47,826,613
96$171,175,337$0$0$52,636,321
97$188,364,396$0$0$57,934,459
98$207,298,208$0$0$63,770,777
99$228,154,469$0$0$70,200,100
100$251,128,992$0$0$77,282,843