Can I retire at age 35 with 926,000?

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 $926,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$76,468$75,787$75,123$74,474$73,841$71,736
2 years$37,856$37,151$36,467$35,805$35,162$33,058
3 years$24,986$24,278$23,597$22,940$22,308$20,271
4 years$18,553$17,847$17,172$16,527$15,910$13,955
5 years$14,694$13,992$13,326$12,695$12,095$10,227
6 years$12,122$11,426$10,770$10,152$9,570$7,792
7 years$10,286$9,595$8,950$8,346$7,783$6,094
8 years$8,909$8,225$7,590$7,002$6,457$4,856
9 years$7,839$7,161$6,537$5,964$5,438$3,923
10 years$6,984$6,312$5,699$5,141$4,633$3,203
11 years$6,284$5,620$5,018$4,474$3,985$2,637
12 years$5,701$5,044$4,453$3,924$3,453$2,185
13 years$5,209$4,558$3,978$3,465$3,011$1,821
14 years$4,787$4,143$3,575$3,076$2,640$1,523
15 years$4,422$3,785$3,227$2,743$2,324$1,278
16 years$4,103$3,473$2,926$2,456$2,054$1,076
17 years$3,821$3,198$2,663$2,207$1,821$908
18 years$3,571$2,955$2,431$1,989$1,619$768
19 years$3,348$2,739$2,225$1,797$1,443$650
20 years$3,147$2,545$2,042$1,627$1,289$552
21 years$2,966$2,371$1,878$1,477$1,154$468
22 years$2,801$2,213$1,731$1,343$1,034$398
23 years$2,651$2,070$1,598$1,223$928$339
24 years$2,514$1,939$1,478$1,115$834$288
25 years$2,387$1,820$1,369$1,019$751$246
26 years$2,271$1,710$1,270$931$676$209
27 years$2,164$1,610$1,179$853$610$178
28 years$2,064$1,517$1,096$781$550$152
29 years$1,971$1,431$1,020$716$497$130
30 years$1,885$1,351$950$657$449$111
31 years$1,804$1,277$886$604$406$95
32 years$1,729$1,209$827$555$367$81
33 years$1,658$1,145$772$510$332$69
34 years$1,592$1,085$721$469$301$59
35 years$1,530$1,029$674$432$272$50
36 years$1,471$977$631$398$247$43
37 years$1,415$928$590$367$224$37
38 years$1,363$882$553$338$203$31
39 years$1,313$838$518$312$184$27
40 years$1,266$798$485$287$167$23
41 years$1,221$759$455$265$151$20
42 years$1,179$723$427$245$137$17
43 years$1,139$689$401$226$125$14
44 years$1,100$657$376$209$113$12
45 years$1,064$626$353$193$103$10
46 years$1,029$597$332$178$93$9
47 years$995$570$312$164$85$8
48 years$964$544$293$152$77$7
49 years$933$520$275$140$70$6
50 years$904$496$259$130$63$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $926,000, adding $6,136 every year, while hoping to spend $52,407 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: 21/49/30 Blend
34$926,000$926,000$926,000$926,000
35$1,026,781$977,703$963,350$1,038,503
36$1,075,752$969,850$939,862$1,041,961
37$1,127,962$959,856$913,830$1,040,932
38$1,183,685$947,560$885,115$1,038,705
39$1,243,223$932,792$853,568$1,035,215
40$1,306,907$915,374$819,037$1,030,400
41$1,375,097$895,113$781,361$1,024,196
42$1,448,192$871,809$740,372$1,016,537
43$1,526,627$845,247$695,893$1,007,363
44$1,610,880$815,201$647,743$996,608
45$1,701,475$781,431$595,728$984,214
46$1,798,990$743,685$539,649$970,120
47$1,904,055$701,694$479,296$954,271
48$2,017,367$655,176$414,450$936,615
49$2,139,688$603,829$344,884$917,102
50$2,271,858$547,338$270,359$895,691
51$2,414,797$485,367$190,625$872,345
52$2,569,519$417,562$105,424$847,037
53$2,737,137$343,551$14,483$819,749
54$2,918,877$262,936$0$790,472
55$3,116,085$175,302$0$785,643
56$3,330,241$80,208$0$785,517
57$3,562,975$0$0$785,592
58$3,816,080$0$0$798,328
59$4,091,526$0$0$859,401
60$4,391,483$0$0$926,062
61$4,718,338$0$0$998,861
62$5,074,718$0$0$1,078,403
63$5,463,515$0$0$1,165,355
64$5,887,912$0$0$1,260,450
65$6,351,411$0$0$1,364,496
66$6,857,869$0$0$1,478,382
67$7,411,533$0$0$1,603,088
68$8,017,076$0$0$1,739,692
69$8,679,646$0$0$1,889,382
70$9,404,911$0$0$2,053,466
71$10,199,110$0$0$2,233,384
72$11,069,117$0$0$2,430,724
73$12,022,501$0$0$2,647,233
74$13,067,595$0$0$2,884,836
75$14,213,582$0$0$3,145,653
76$15,470,572$0$0$3,432,021
77$16,849,702$0$0$3,746,512
78$18,363,238$0$0$4,091,960
79$20,024,694$0$0$4,471,487
80$21,848,953$0$0$4,888,534
81$23,852,411$0$0$5,346,891
82$26,053,130$0$0$5,850,730
83$28,471,007$0$0$6,404,653
84$31,127,962$0$0$7,013,726
85$34,048,144$0$0$7,683,533
86$37,258,155$0$0$8,420,223
87$40,787,306$0$0$9,230,574
88$44,667,889$0$0$10,122,054
89$48,935,480$0$0$11,102,887
90$53,629,276$0$0$12,182,140
91$58,792,464$0$0$13,369,799
92$64,472,626$0$0$14,676,870
93$70,722,191$0$0$16,115,478
94$77,598,922$0$0$17,698,983
95$85,166,465$0$0$19,442,106
96$93,494,951$0$0$21,361,070
97$102,661,650$0$0$23,473,749
98$112,751,703$0$0$25,799,836
99$123,858,927$0$0$28,361,035
100$136,086,694$0$0$31,181,260