Can I retire at age 35 with 927,000?

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 $927,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$76,551$75,869$75,204$74,554$73,920$71,072
2 years$37,896$37,191$36,507$35,843$35,200$32,364
3 years$25,013$24,304$23,622$22,965$22,332$19,598
4 years$18,573$17,866$17,191$16,545$15,928$13,316
5 years$14,710$14,007$13,341$12,708$12,108$9,626
6 years$12,135$11,438$10,781$10,163$9,581$7,230
7 years$10,297$9,606$8,959$8,355$7,792$5,571
8 years$8,919$8,234$7,598$7,009$6,464$4,372
9 years$7,848$7,169$6,544$5,970$5,444$3,476
10 years$6,991$6,319$5,706$5,146$4,638$2,792
11 years$6,291$5,626$5,023$4,479$3,989$2,261
12 years$5,708$5,049$4,458$3,929$3,457$1,841
13 years$5,215$4,563$3,983$3,468$3,014$1,507
14 years$4,792$4,148$3,579$3,079$2,642$1,238
15 years$4,427$3,789$3,231$2,746$2,327$1,020
16 years$4,107$3,476$2,929$2,459$2,056$843
17 years$3,825$3,202$2,666$2,209$1,823$698
18 years$3,575$2,958$2,433$1,991$1,621$579
19 years$3,352$2,742$2,228$1,799$1,445$481
20 years$3,151$2,548$2,044$1,629$1,291$400
21 years$2,969$2,373$1,880$1,479$1,155$333
22 years$2,804$2,215$1,733$1,344$1,035$277
23 years$2,654$2,072$1,600$1,224$929$231
24 years$2,516$1,941$1,480$1,117$835$192
25 years$2,390$1,822$1,371$1,020$752$161
26 years$2,273$1,712$1,271$932$677$134
27 years$2,166$1,611$1,180$854$610$112
28 years$2,066$1,518$1,097$782$551$93
29 years$1,973$1,432$1,021$717$497$78
30 years$1,887$1,353$951$658$449$65
31 years$1,806$1,279$887$604$406$54
32 years$1,731$1,210$827$555$368$45
33 years$1,660$1,146$773$511$333$38
34 years$1,594$1,086$722$470$301$32
35 years$1,531$1,030$675$433$273$27
36 years$1,472$978$631$398$247$22
37 years$1,417$929$591$367$224$19
38 years$1,364$883$553$338$203$16
39 years$1,314$839$518$312$184$13
40 years$1,267$798$486$288$167$11
41 years$1,223$760$456$266$152$9
42 years$1,180$724$427$245$137$8
43 years$1,140$690$401$226$125$6
44 years$1,101$657$376$209$113$5
45 years$1,065$627$353$193$103$4
46 years$1,030$598$332$178$93$4
47 years$997$571$312$165$85$3
48 years$965$545$293$152$77$3
49 years$934$520$276$141$70$2
50 years$905$497$259$130$64$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $927,000, adding $2,325 every year, while hoping to spend $53,550 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: 47/43/10 Blend
34$927,000$927,000$927,000$927,000
35$1,023,952$974,821$960,453$1,069,148
36$1,071,419$965,611$935,651$1,091,311
37$1,121,932$954,154$908,224$1,109,601
38$1,175,746$940,285$878,027$1,128,231
39$1,233,140$923,826$844,908$1,147,249
40$1,294,417$904,591$808,710$1,166,712
41$1,359,914$882,382$769,268$1,186,688
42$1,429,995$856,989$726,408$1,207,254
43$1,505,063$828,190$679,951$1,228,499
44$1,585,558$795,750$629,708$1,250,527
45$1,671,963$759,419$575,481$1,273,454
46$1,764,809$718,937$517,066$1,297,416
47$1,864,677$674,023$454,245$1,322,568
48$1,972,208$624,383$386,796$1,349,083
49$2,088,103$569,708$314,484$1,377,162
50$2,213,133$509,667$237,062$1,407,031
51$2,348,146$443,914$154,277$1,438,944
52$2,494,072$372,081$65,860$1,473,192
53$2,651,934$293,780$0$1,510,101
54$2,822,858$208,601$0$1,553,079
55$3,008,079$116,113$0$1,607,197
56$3,208,958$15,857$0$1,665,917
57$3,426,989$0$0$1,729,797
58$3,663,816$0$0$1,843,297
59$3,921,249$0$0$1,974,920
60$4,201,278$0$0$2,118,192
61$4,506,092$0$0$2,274,246
62$4,838,099$0$0$2,444,327
63$5,199,951$0$0$2,629,807
64$5,594,566$0$0$2,832,195
65$6,025,155$0$0$3,053,153
66$6,495,251$0$0$3,294,508
67$7,008,747$0$0$3,558,274
68$7,569,925$0$0$3,846,668
69$8,183,502$0$0$4,162,129
70$8,854,669$0$0$4,507,346
71$9,589,142$0$0$4,885,276
72$10,393,219$0$0$5,299,177
73$11,273,829$0$0$5,752,638
74$12,238,607$0$0$6,249,610
75$13,295,961$0$0$6,794,444
76$14,455,148$0$0$7,391,933
77$15,726,368$0$0$8,047,357
78$17,120,850$0$0$8,766,530
79$18,650,967$0$0$9,555,856
80$20,330,346$0$0$10,422,390
81$22,173,996$0$0$11,373,904
82$24,198,451$0$0$12,418,957
83$26,421,927$0$0$13,566,981
84$28,864,487$0$0$14,828,364
85$31,548,235$0$0$16,214,550
86$34,497,522$0$0$17,738,149
87$37,739,174$0$0$19,413,051
88$41,302,746$0$0$21,254,560
89$45,220,799$0$0$23,279,537
90$49,529,207$0$0$25,506,556
91$54,267,492$0$0$27,956,086
92$59,479,202$0$0$30,650,675
93$65,212,313$0$0$33,615,169
94$71,519,687$0$0$36,876,943
95$78,459,569$0$0$40,466,157
96$86,096,132$0$0$44,416,046
97$94,500,087$0$0$48,763,228
98$103,749,342$0$0$53,548,049
99$113,929,743$0$0$58,814,968
100$125,135,882$0$0$64,612,971