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%19.8%
1 years$76,468$75,787$75,123$74,474$73,841$70,939
2 years$37,856$37,151$36,467$35,805$35,162$32,274
3 years$24,986$24,278$23,597$22,940$22,308$19,525
4 years$18,553$17,847$17,172$16,527$15,910$13,253
5 years$14,694$13,992$13,326$12,695$12,095$9,570
6 years$12,122$11,426$10,770$10,152$9,570$7,180
7 years$10,286$9,595$8,950$8,346$7,783$5,526
8 years$8,909$8,225$7,590$7,002$6,457$4,331
9 years$7,839$7,161$6,537$5,964$5,438$3,440
10 years$6,984$6,312$5,699$5,141$4,633$2,760
11 years$6,284$5,620$5,018$4,474$3,985$2,231
12 years$5,701$5,044$4,453$3,924$3,453$1,815
13 years$5,209$4,558$3,978$3,465$3,011$1,483
14 years$4,787$4,143$3,575$3,076$2,640$1,217
15 years$4,422$3,785$3,227$2,743$2,324$1,001
16 years$4,103$3,473$2,926$2,456$2,054$826
17 years$3,821$3,198$2,663$2,207$1,821$683
18 years$3,571$2,955$2,431$1,989$1,619$566
19 years$3,348$2,739$2,225$1,797$1,443$469
20 years$3,147$2,545$2,042$1,627$1,289$389
21 years$2,966$2,371$1,878$1,477$1,154$323
22 years$2,801$2,213$1,731$1,343$1,034$269
23 years$2,651$2,070$1,598$1,223$928$224
24 years$2,514$1,939$1,478$1,115$834$186
25 years$2,387$1,820$1,369$1,019$751$155
26 years$2,271$1,710$1,270$931$676$129
27 years$2,164$1,610$1,179$853$610$108
28 years$2,064$1,517$1,096$781$550$90
29 years$1,971$1,431$1,020$716$497$75
30 years$1,885$1,351$950$657$449$62
31 years$1,804$1,277$886$604$406$52
32 years$1,729$1,209$827$555$367$43
33 years$1,658$1,145$772$510$332$36
34 years$1,592$1,085$721$469$301$30
35 years$1,530$1,029$674$432$272$25
36 years$1,471$977$631$398$247$21
37 years$1,415$928$590$367$224$18
38 years$1,363$882$553$338$203$15
39 years$1,313$838$518$312$184$12
40 years$1,266$798$485$287$167$10
41 years$1,221$759$455$265$151$9
42 years$1,179$723$427$245$137$7
43 years$1,139$689$401$226$125$6
44 years$1,100$657$376$209$113$5
45 years$1,064$626$353$193$103$4
46 years$1,029$597$332$178$93$3
47 years$995$570$312$164$85$3
48 years$964$544$293$152$77$2
49 years$933$520$275$140$70$2
50 years$904$496$259$130$63$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $926,000, adding $5,040 every year, while hoping to spend $58,646 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: 37/50/13 Blend
34$926,000$926,000$926,000$926,000
35$1,025,651$976,573$962,220$1,059,344
36$1,067,868$962,026$932,055$1,069,377
37$1,112,426$944,801$898,915$1,074,189
38$1,159,502$924,704$862,636$1,078,103
39$1,209,288$901,531$823,051$1,081,070
40$1,261,995$875,066$779,983$1,083,037
41$1,317,852$845,078$733,247$1,083,953
42$1,377,112$811,326$682,650$1,083,767
43$1,440,049$773,553$627,990$1,082,431
44$1,506,964$731,486$569,057$1,079,895
45$1,578,184$684,839$505,631$1,076,114
46$1,654,071$633,308$437,481$1,071,045
47$1,735,018$576,572$364,368$1,064,648
48$1,821,456$514,291$286,041$1,056,886
49$1,913,860$446,106$202,239$1,047,731
50$2,012,747$371,639$112,687$1,037,157
51$2,118,687$290,488$17,101$1,025,149
52$2,232,302$202,231$0$1,011,699
53$2,354,277$106,421$0$1,008,588
54$2,485,364$2,587$0$1,007,350
55$2,626,387$0$0$1,005,686
56$2,778,251$0$0$1,064,086
57$2,941,950$0$0$1,128,668
58$3,118,576$0$0$1,198,452
59$3,309,330$0$0$1,273,927
60$3,515,529$0$0$1,355,627
61$3,738,623$0$0$1,444,141
62$3,980,204$0$0$1,540,115
63$4,242,025$0$0$1,644,263
64$4,526,010$0$0$1,757,365
65$4,834,277$0$0$1,880,284
66$5,169,156$0$0$2,013,966
67$5,533,209$0$0$2,159,453
68$5,929,255$0$0$2,317,892
69$6,360,394$0$0$2,490,544
70$6,830,039$0$0$2,678,798
71$7,341,947$0$0$2,884,181
72$7,900,249$0$0$3,108,377
73$8,509,495$0$0$3,353,235
74$9,174,691$0$0$3,620,795
75$9,901,351$0$0$3,913,300
76$10,695,541$0$0$4,233,221
77$11,563,942$0$0$4,583,278
78$12,513,910$0$0$4,966,466
79$13,553,545$0$0$5,386,084
80$14,691,763$0$0$5,845,764
81$15,938,385$0$0$6,349,505
82$17,304,227$0$0$6,901,713
83$18,801,199$0$0$7,507,240
84$20,442,418$0$0$8,171,430
85$22,242,332$0$0$8,900,168
86$24,216,853$0$0$9,699,938
87$26,383,507$0$0$10,577,881
88$28,761,602$0$0$11,541,864
89$31,372,401$0$0$12,600,552
90$34,239,332$0$0$13,763,490
91$37,388,198$0$0$15,041,195
92$40,847,426$0$0$16,445,252
93$44,648,334$0$0$17,988,423
94$48,825,419$0$0$19,684,768
95$53,416,691$0$0$21,549,779
96$58,464,021$0$0$23,600,522
97$64,013,542$0$0$25,855,799
98$70,116,080$0$0$28,336,328
99$76,827,630$0$0$31,064,932
100$84,209,890$0$0$34,066,760