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%14.1%
1 years$76,468$75,787$75,123$74,474$73,841$72,587
2 years$37,856$37,151$36,467$35,805$35,162$33,904
3 years$24,986$24,278$23,597$22,940$22,308$21,083
4 years$18,553$17,847$17,172$16,527$15,910$14,729
5 years$14,694$13,992$13,326$12,695$12,095$10,960
6 years$12,122$11,426$10,770$10,152$9,570$8,483
7 years$10,286$9,595$8,950$8,346$7,783$6,744
8 years$8,909$8,225$7,590$7,002$6,457$5,465
9 years$7,839$7,161$6,537$5,964$5,438$4,493
10 years$6,984$6,312$5,699$5,141$4,633$3,736
11 years$6,284$5,620$5,018$4,474$3,985$3,133
12 years$5,701$5,044$4,453$3,924$3,453$2,645
13 years$5,209$4,558$3,978$3,465$3,011$2,247
14 years$4,787$4,143$3,575$3,076$2,640$1,917
15 years$4,422$3,785$3,227$2,743$2,324$1,642
16 years$4,103$3,473$2,926$2,456$2,054$1,411
17 years$3,821$3,198$2,663$2,207$1,821$1,216
18 years$3,571$2,955$2,431$1,989$1,619$1,050
19 years$3,348$2,739$2,225$1,797$1,443$909
20 years$3,147$2,545$2,042$1,627$1,289$788
21 years$2,966$2,371$1,878$1,477$1,154$684
22 years$2,801$2,213$1,731$1,343$1,034$595
23 years$2,651$2,070$1,598$1,223$928$518
24 years$2,514$1,939$1,478$1,115$834$451
25 years$2,387$1,820$1,369$1,019$751$393
26 years$2,271$1,710$1,270$931$676$343
27 years$2,164$1,610$1,179$853$610$299
28 years$2,064$1,517$1,096$781$550$261
29 years$1,971$1,431$1,020$716$497$228
30 years$1,885$1,351$950$657$449$199
31 years$1,804$1,277$886$604$406$174
32 years$1,729$1,209$827$555$367$153
33 years$1,658$1,145$772$510$332$133
34 years$1,592$1,085$721$469$301$117
35 years$1,530$1,029$674$432$272$102
36 years$1,471$977$631$398$247$89
37 years$1,415$928$590$367$224$78
38 years$1,363$882$553$338$203$69
39 years$1,313$838$518$312$184$60
40 years$1,266$798$485$287$167$53
41 years$1,221$759$455$265$151$46
42 years$1,179$723$427$245$137$40
43 years$1,139$689$401$226$125$35
44 years$1,100$657$376$209$113$31
45 years$1,064$626$353$193$103$27
46 years$1,029$597$332$178$93$24
47 years$995$570$312$164$85$21
48 years$964$544$293$152$77$18
49 years$933$520$275$140$70$16
50 years$904$496$259$130$63$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $926,000, adding $5,661 every year, while hoping to spend $21,770 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: 59/25/16 Blend
34$926,000$926,000$926,000$926,000
35$1,026,291$977,213$962,860$1,082,313
36$1,107,810$1,001,934$971,953$1,145,557
37$1,196,914$1,027,136$980,621$1,211,590
38$1,294,354$1,052,820$988,826$1,283,094
39$1,400,956$1,078,986$996,530$1,360,602
40$1,517,631$1,105,634$1,003,691$1,444,696
41$1,645,381$1,132,762$1,010,267$1,536,022
42$1,785,309$1,160,367$1,016,210$1,635,289
43$1,938,631$1,188,445$1,021,474$1,743,279
44$2,106,686$1,216,993$1,026,007$1,860,851
45$2,290,947$1,246,005$1,029,757$1,988,955
46$2,493,038$1,275,473$1,032,668$2,128,635
47$2,714,747$1,305,391$1,034,682$2,281,043
48$2,958,044$1,335,748$1,035,737$2,447,445
49$3,225,099$1,366,535$1,035,769$2,629,240
50$3,518,302$1,397,737$1,034,710$2,827,968
51$3,840,285$1,429,343$1,032,489$3,045,323
52$4,193,949$1,461,335$1,029,032$3,283,177
53$4,582,487$1,493,696$1,024,260$3,543,588
54$5,009,421$1,526,407$1,018,093$3,828,826
55$5,478,626$1,559,446$1,010,443$4,141,393
56$5,994,376$1,592,788$1,001,223$4,484,044
57$6,561,375$1,626,407$990,336$4,859,818
58$7,184,808$1,660,274$977,686$5,272,060
59$7,870,388$1,694,357$963,168$5,724,461
60$8,624,408$1,728,621$946,674$6,221,084
61$9,453,802$1,763,028$928,093$6,766,409
62$10,366,211$1,797,537$907,304$7,365,374
63$11,370,050$1,832,103$884,185$8,023,420
64$12,474,596$1,866,676$858,606$8,746,542
65$13,690,066$1,901,205$830,431$9,541,348
66$15,027,721$1,935,632$799,518$10,415,120
67$16,499,967$1,969,896$765,720$11,375,886
68$18,120,473$2,003,931$728,881$12,432,489
69$19,904,303$2,037,665$688,840$13,594,678
70$21,868,053$2,071,021$645,427$14,873,196
71$24,030,010$2,103,918$598,466$16,279,882
72$26,410,327$2,136,266$547,770$17,827,785
73$29,031,208$2,167,970$493,148$19,531,285
74$31,917,121$2,198,930$434,398$21,406,230
75$35,095,025$2,229,035$371,308$23,470,087
76$38,594,630$2,258,170$303,659$25,742,105
77$42,448,672$2,286,210$231,221$28,243,497
78$46,693,223$2,313,022$153,754$30,997,643
79$51,368,035$2,338,463$71,008$34,030,310
80$56,516,909$2,362,382$0$37,369,894
81$62,188,112$2,384,617$0$41,050,643
82$68,434,832$2,404,995$0$45,117,221
83$75,315,678$2,423,334$0$49,595,553
84$82,895,237$2,439,436$0$54,527,579
85$91,244,677$2,453,095$0$59,959,517
86$100,442,425$2,464,087$0$65,942,299
87$110,574,903$2,472,178$0$72,532,054
88$121,737,345$2,477,118$0$79,790,636
89$134,034,697$2,478,639$0$87,786,206
90$147,582,603$2,476,459$0$96,593,881
91$162,508,500$2,470,277$0$106,296,439
92$178,952,823$2,459,776$0$116,985,103
93$197,070,322$2,444,616$0$128,760,400
94$217,031,532$2,424,440$0$141,733,114
95$239,024,377$2,398,866$0$156,025,329
96$263,255,944$2,367,491$0$171,771,583
97$289,954,440$2,329,888$0$189,120,139
98$319,371,344$2,285,604$0$208,234,385
99$351,783,781$2,234,158$0$229,294,374
100$387,497,138$2,175,043$0$252,498,531