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%14.2%
1 years$76,551$75,869$75,204$74,554$73,920$72,636
2 years$37,896$37,191$36,507$35,843$35,200$33,910
3 years$25,013$24,304$23,622$22,965$22,332$21,077
4 years$18,573$17,866$17,191$16,545$15,928$14,717
5 years$14,710$14,007$13,341$12,708$12,108$10,945
6 years$12,135$11,438$10,781$10,163$9,581$8,467
7 years$10,297$9,606$8,959$8,355$7,792$6,727
8 years$8,919$8,234$7,598$7,009$6,464$5,449
9 years$7,848$7,169$6,544$5,970$5,444$4,477
10 years$6,991$6,319$5,706$5,146$4,638$3,720
11 years$6,291$5,626$5,023$4,479$3,989$3,118
12 years$5,708$5,049$4,458$3,929$3,457$2,631
13 years$5,215$4,563$3,983$3,468$3,014$2,233
14 years$4,792$4,148$3,579$3,079$2,642$1,904
15 years$4,427$3,789$3,231$2,746$2,327$1,630
16 years$4,107$3,476$2,929$2,459$2,056$1,400
17 years$3,825$3,202$2,666$2,209$1,823$1,205
18 years$3,575$2,958$2,433$1,991$1,621$1,040
19 years$3,352$2,742$2,228$1,799$1,445$900
20 years$3,151$2,548$2,044$1,629$1,291$779
21 years$2,969$2,373$1,880$1,479$1,155$676
22 years$2,804$2,215$1,733$1,344$1,035$587
23 years$2,654$2,072$1,600$1,224$929$511
24 years$2,516$1,941$1,480$1,117$835$444
25 years$2,390$1,822$1,371$1,020$752$387
26 years$2,273$1,712$1,271$932$677$337
27 years$2,166$1,611$1,180$854$610$294
28 years$2,066$1,518$1,097$782$551$257
29 years$1,973$1,432$1,021$717$497$224
30 years$1,887$1,353$951$658$449$196
31 years$1,806$1,279$887$604$406$171
32 years$1,731$1,210$827$555$368$149
33 years$1,660$1,146$773$511$333$131
34 years$1,594$1,086$722$470$301$114
35 years$1,531$1,030$675$433$273$100
36 years$1,472$978$631$398$247$87
37 years$1,417$929$591$367$224$76
38 years$1,364$883$553$338$203$67
39 years$1,314$839$518$312$184$58
40 years$1,267$798$486$288$167$51
41 years$1,223$760$456$266$152$45
42 years$1,180$724$427$245$137$39
43 years$1,140$690$401$226$125$34
44 years$1,101$657$376$209$113$30
45 years$1,065$627$353$193$103$26
46 years$1,030$598$332$178$93$23
47 years$997$571$312$165$85$20
48 years$965$545$293$152$77$18
49 years$934$520$276$141$70$15
50 years$905$497$259$130$64$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $927,000, adding $2,672 every year, while hoping to spend $26,501 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: 25/45/30 Blend
34$927,000$927,000$927,000$927,000
35$1,024,310$975,179$960,811$1,040,271
36$1,100,593$994,766$964,801$1,073,553
37$1,183,768$1,014,425$968,037$1,106,802
38$1,274,512$1,034,130$970,465$1,141,910
39$1,373,565$1,053,856$972,029$1,179,050
40$1,481,748$1,073,574$972,671$1,218,417
41$1,599,960$1,093,253$972,329$1,260,226
42$1,729,192$1,112,858$970,938$1,304,713
43$1,870,536$1,132,355$968,431$1,352,140
44$2,025,193$1,151,703$964,736$1,402,800
45$2,194,487$1,170,861$959,779$1,457,013
46$2,379,875$1,189,783$953,482$1,515,135
47$2,582,962$1,208,422$945,763$1,577,560
48$2,805,514$1,226,724$936,536$1,644,723
49$3,049,477$1,244,635$925,711$1,717,108
50$3,316,996$1,262,094$913,194$1,795,247
51$3,610,430$1,279,037$898,887$1,879,729
52$3,932,380$1,295,396$882,686$1,971,207
53$4,285,711$1,311,098$864,483$2,070,402
54$4,673,576$1,326,065$844,166$2,178,111
55$5,099,451$1,340,212$821,616$2,295,216
56$5,567,164$1,353,452$796,710$2,422,691
57$6,080,933$1,365,689$769,317$2,561,612
58$6,645,402$1,376,822$739,304$2,713,171
59$7,265,690$1,386,743$706,527$2,878,683
60$7,947,435$1,395,338$670,840$3,059,600
61$8,696,848$1,402,484$632,088$3,257,530
62$9,520,772$1,408,052$590,109$3,474,244
63$10,426,748$1,411,903$544,734$3,711,705
64$11,423,080$1,413,891$495,787$3,972,075
65$12,518,923$1,413,860$443,084$4,257,746
66$13,724,357$1,411,643$386,432$4,571,358
67$15,050,494$1,407,066$325,630$4,915,826
68$16,509,574$1,399,942$260,468$5,294,370
69$18,115,084$1,390,073$190,727$5,710,544
70$19,881,884$1,377,248$116,178$6,168,272
71$21,826,349$1,361,245$36,582$6,671,886
72$23,966,518$1,341,828$0$7,226,168
73$26,322,273$1,318,747$0$7,851,876
74$28,915,516$1,291,737$0$8,552,857
75$31,770,383$1,260,517$0$9,323,908
76$34,913,470$1,224,790$0$10,172,211
77$38,374,081$1,184,242$0$11,105,694
78$42,184,506$1,138,539$0$12,133,092
79$46,380,327$1,087,329$0$13,264,042
80$51,000,752$1,030,239$0$14,509,169
81$56,088,983$966,875$0$15,880,188
82$61,692,628$896,820$0$17,390,017
83$67,864,145$819,633$0$19,052,900
84$74,661,341$734,849$0$20,884,542
85$82,147,916$641,974$0$22,902,258
86$90,394,061$540,489$0$25,125,140
87$99,477,126$429,843$0$27,574,237
88$109,482,343$309,456$0$30,272,756
89$120,503,637$178,715$0$33,246,281
90$132,644,507$36,971$0$36,523,020
91$146,019,005$0$0$40,134,071
92$160,752,812$0$0$44,171,384
93$176,984,422$0$0$48,639,538
94$194,866,455$0$0$53,562,269
95$214,567,087$0$0$58,985,904
96$236,271,648$0$0$64,961,500
97$260,184,363$0$0$71,545,316
98$286,530,286$0$0$78,799,350
99$315,557,417$0$0$86,791,923
100$347,539,047$0$0$95,598,322