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%11.7%
1 years$76,551$75,869$75,204$74,554$73,920$73,393
2 years$37,896$37,191$36,507$35,843$35,200$34,668
3 years$25,013$24,304$23,622$22,965$22,332$21,813
4 years$18,573$17,866$17,191$16,545$15,928$15,424
5 years$14,710$14,007$13,341$12,708$12,108$11,622
6 years$12,135$11,438$10,781$10,163$9,581$9,113
7 years$10,297$9,606$8,959$8,355$7,792$7,342
8 years$8,919$8,234$7,598$7,009$6,464$6,033
9 years$7,848$7,169$6,544$5,970$5,444$5,031
10 years$6,991$6,319$5,706$5,146$4,638$4,243
11 years$6,291$5,626$5,023$4,479$3,989$3,612
12 years$5,708$5,049$4,458$3,929$3,457$3,097
13 years$5,215$4,563$3,983$3,468$3,014$2,672
14 years$4,792$4,148$3,579$3,079$2,642$2,316
15 years$4,427$3,789$3,231$2,746$2,327$2,017
16 years$4,107$3,476$2,929$2,459$2,056$1,762
17 years$3,825$3,202$2,666$2,209$1,823$1,544
18 years$3,575$2,958$2,433$1,991$1,621$1,357
19 years$3,352$2,742$2,228$1,799$1,445$1,195
20 years$3,151$2,548$2,044$1,629$1,291$1,055
21 years$2,969$2,373$1,880$1,479$1,155$932
22 years$2,804$2,215$1,733$1,344$1,035$825
23 years$2,654$2,072$1,600$1,224$929$731
24 years$2,516$1,941$1,480$1,117$835$649
25 years$2,390$1,822$1,371$1,020$752$576
26 years$2,273$1,712$1,271$932$677$512
27 years$2,166$1,611$1,180$854$610$456
28 years$2,066$1,518$1,097$782$551$406
29 years$1,973$1,432$1,021$717$497$362
30 years$1,887$1,353$951$658$449$322
31 years$1,806$1,279$887$604$406$287
32 years$1,731$1,210$827$555$368$256
33 years$1,660$1,146$773$511$333$229
34 years$1,594$1,086$722$470$301$204
35 years$1,531$1,030$675$433$273$182
36 years$1,472$978$631$398$247$163
37 years$1,417$929$591$367$224$146
38 years$1,364$883$553$338$203$130
39 years$1,314$839$518$312$184$116
40 years$1,267$798$486$288$167$104
41 years$1,223$760$456$266$152$93
42 years$1,180$724$427$245$137$83
43 years$1,140$690$401$226$125$74
44 years$1,101$657$376$209$113$67
45 years$1,065$627$353$193$103$59
46 years$1,030$598$332$178$93$53
47 years$997$571$312$165$85$48
48 years$965$545$293$152$77$43
49 years$934$520$276$141$70$38
50 years$905$497$259$130$64$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $927,000, adding $2,962 every year, while hoping to spend $57,940 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: 28/48/24 Blend
34$927,000$927,000$927,000$927,000
35$1,024,609$975,478$961,110$1,045,536
36$1,067,472$961,629$931,659$1,048,374
37$1,112,764$945,159$899,280$1,046,142
38$1,160,674$925,879$863,813$1,042,540
39$1,211,403$903,589$825,092$1,037,489
40$1,265,176$878,074$782,943$1,030,908
41$1,322,236$849,111$737,183$1,022,713
42$1,382,848$816,462$687,622$1,012,818
43$1,447,303$779,873$634,063$1,001,139
44$1,515,920$739,079$576,296$987,588
45$1,589,047$693,797$514,105$972,075
46$1,667,066$643,729$447,264$954,514
47$1,750,395$588,560$375,535$934,815
48$1,839,492$527,956$298,672$912,890
49$1,934,859$461,566$216,417$888,655
50$2,037,048$389,015$128,500$862,023
51$2,146,662$309,912$34,640$832,915
52$2,264,365$223,841$0$801,253
53$2,390,884$130,363$0$783,744
54$2,527,017$29,014$0$774,100
55$2,673,643$0$0$763,464
56$2,831,723$0$0$794,496
57$3,002,318$0$0$844,638
58$3,186,588$0$0$898,921
59$3,385,811$0$0$957,737
60$3,601,393$0$0$1,021,517
61$3,834,876$0$0$1,090,734
62$4,087,957$0$0$1,165,909
63$4,362,504$0$0$1,247,616
64$4,660,568$0$0$1,336,484
65$4,984,407$0$0$1,433,208
66$5,336,504$0$0$1,538,551
67$5,719,591$0$0$1,653,352
68$6,136,674$0$0$1,778,535
69$6,591,060$0$0$1,915,118
70$7,086,390$0$0$2,064,220
71$7,626,669$0$0$2,227,075
72$8,216,307$0$0$2,405,038
73$8,860,157$0$0$2,599,603
74$9,563,563$0$0$2,812,416
75$10,332,405$0$0$3,045,287
76$11,173,160$0$0$3,300,209
77$12,092,957$0$0$3,579,380
78$13,099,649$0$0$3,885,216
79$14,201,878$0$0$4,220,380
80$15,409,167$0$0$4,587,806
81$16,731,997$0$0$4,990,723
82$18,181,916$0$0$5,432,689
83$19,771,640$0$0$5,917,622
84$21,515,172$0$0$6,449,838
85$23,427,941$0$0$7,034,092
86$25,526,935$0$0$7,675,620
87$27,830,871$0$0$8,380,192
88$30,360,365$0$0$9,154,163
89$33,138,125$0$0$10,004,533
90$36,189,169$0$0$10,939,015
91$39,541,054$0$0$11,966,106
92$43,224,140$0$0$13,095,166
93$47,271,873$0$0$14,336,509
94$51,721,098$0$0$15,701,497
95$56,612,411$0$0$17,202,647
96$61,990,534$0$0$18,853,752
97$67,904,741$0$0$20,670,007
98$74,409,319$0$0$22,668,155
99$81,564,081$0$0$24,866,644
100$89,434,925$0$0$27,285,797