Can I retire at age 35 with 925,000?

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 $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%18.6%
1 years$76,386$75,705$75,041$74,393$73,761$71,200
2 years$37,815$37,110$36,428$35,766$35,124$32,571
3 years$24,959$24,252$23,571$22,916$22,284$19,819
4 years$18,533$17,828$17,154$16,509$15,893$13,534
5 years$14,678$13,977$13,312$12,681$12,082$9,835
6 years$12,109$11,413$10,758$10,141$9,560$7,428
7 years$10,275$9,585$8,940$8,337$7,775$5,756
8 years$8,900$8,216$7,582$6,994$6,450$4,544
9 years$7,831$7,154$6,530$5,957$5,432$3,636
10 years$6,976$6,306$5,693$5,135$4,628$2,939
11 years$6,277$5,613$5,012$4,469$3,980$2,395
12 years$5,695$5,038$4,448$3,920$3,449$1,963
13 years$5,203$4,553$3,974$3,461$3,008$1,618
14 years$4,782$4,139$3,571$3,072$2,637$1,339
15 years$4,417$3,781$3,224$2,740$2,322$1,111
16 years$4,098$3,469$2,923$2,453$2,052$925
17 years$3,817$3,195$2,660$2,204$1,819$771
18 years$3,567$2,952$2,428$1,986$1,618$644
19 years$3,344$2,736$2,223$1,795$1,442$539
20 years$3,144$2,542$2,040$1,626$1,288$452
21 years$2,963$2,368$1,876$1,475$1,152$379
22 years$2,798$2,211$1,729$1,341$1,033$318
23 years$2,648$2,067$1,597$1,222$927$267
24 years$2,511$1,937$1,477$1,114$833$225
25 years$2,385$1,818$1,368$1,018$750$189
26 years$2,269$1,708$1,269$930$676$159
27 years$2,161$1,608$1,178$852$609$134
28 years$2,062$1,515$1,095$780$550$113
29 years$1,969$1,429$1,019$716$496$95
30 years$1,883$1,350$949$657$448$80
31 years$1,802$1,276$885$603$405$67
32 years$1,727$1,207$826$554$367$57
33 years$1,657$1,143$771$510$332$48
34 years$1,590$1,084$720$469$300$40
35 years$1,528$1,028$673$432$272$34
36 years$1,469$976$630$398$247$29
37 years$1,414$927$590$366$223$24
38 years$1,361$881$552$338$203$20
39 years$1,312$837$517$311$184$17
40 years$1,265$797$485$287$167$14
41 years$1,220$758$455$265$151$12
42 years$1,178$722$426$245$137$10
43 years$1,137$688$400$226$125$9
44 years$1,099$656$376$208$113$7
45 years$1,062$626$353$192$103$6
46 years$1,028$597$331$178$93$5
47 years$994$569$311$164$85$4
48 years$963$544$292$152$77$4
49 years$932$519$275$140$70$3
50 years$903$496$258$130$63$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $925,000, adding $6,392 every year, while hoping to spend $29,857 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: 59/26/15 Blend
34$925,000$925,000$925,000$925,000
35$1,025,943$976,918$962,581$1,082,203
36$1,098,822$993,020$963,060$1,137,043
37$1,178,133$1,008,909$962,554$1,192,943
38$1,264,503$1,024,545$960,999$1,253,202
39$1,358,617$1,039,883$958,327$1,318,245
40$1,461,232$1,054,874$954,468$1,388,540
41$1,573,181$1,069,466$949,346$1,464,601
42$1,695,381$1,083,605$942,884$1,546,999
43$1,828,840$1,097,232$935,001$1,636,359
44$1,974,668$1,110,283$925,610$1,733,374
45$2,134,088$1,122,690$914,622$1,838,807
46$2,308,446$1,134,383$901,943$1,953,497
47$2,499,224$1,145,285$887,474$2,078,374
48$2,708,054$1,155,313$871,114$2,214,460
49$2,936,733$1,164,380$852,753$2,362,882
50$3,187,239$1,172,395$832,280$2,524,885
51$3,461,753$1,179,257$809,576$2,701,840
52$3,762,673$1,184,862$784,519$2,895,261
53$4,092,643$1,189,098$756,978$3,106,815
54$4,454,575$1,191,846$726,819$3,338,342
55$4,851,676$1,192,980$693,901$3,591,871
56$5,287,476$1,192,366$658,076$3,869,640
57$5,765,868$1,189,861$619,191$4,174,114
58$6,291,136$1,185,313$577,083$4,508,014
59$6,868,002$1,178,564$531,586$4,874,341
60$7,501,665$1,169,441$482,521$5,276,401
61$8,197,857$1,157,765$429,707$5,717,843
62$8,962,886$1,143,344$372,951$6,202,688
63$9,803,708$1,125,975$312,052$6,735,370
64$10,727,981$1,105,443$246,801$7,320,778
65$11,744,146$1,081,520$176,979$7,964,305
66$12,861,500$1,053,965$102,358$8,671,895
67$14,090,286$1,022,523$22,701$9,450,100
68$15,441,791$986,923$0$10,306,148
69$16,928,451$946,878$0$11,257,977
70$18,563,964$902,087$0$12,308,925
71$20,363,428$852,229$0$13,465,080
72$22,343,474$796,965$0$14,737,166
73$24,522,429$735,936$0$16,136,998
74$26,920,484$668,765$0$17,677,602
75$29,559,890$595,050$0$19,373,335
76$32,465,160$514,369$0$21,240,021
77$35,663,308$426,275$0$23,295,099
78$39,184,098$330,296$0$25,557,794
79$43,060,328$225,932$0$28,049,293
80$47,328,136$112,656$0$30,792,949
81$52,027,343$0$0$33,814,501
82$57,201,829$0$0$37,145,203
83$62,899,945$0$0$40,848,546
84$69,174,970$0$0$44,926,938
85$76,085,614$0$0$49,418,549
86$83,696,569$0$0$54,365,440
87$92,079,124$0$0$59,813,959
88$101,311,832$0$0$65,815,179
89$111,481,258$0$0$72,425,380
90$122,682,786$0$0$79,706,578
91$135,021,529$0$0$87,727,114
92$148,613,315$0$0$96,562,294
93$163,585,779$0$0$106,295,103
94$180,079,573$0$0$117,016,987
95$198,249,688$0$0$128,828,717
96$218,266,917$0$0$141,841,337
97$240,319,470$0$0$156,177,216
98$264,614,748$0$0$171,971,198
99$291,381,298$0$0$189,371,879
100$320,870,976$0$0$208,543,007