Can I retire at age 35 with 928,000?

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 $928,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$76,633$75,951$75,285$74,635$74,000$73,349
2 years$37,937$37,231$36,546$35,882$35,238$34,582
3 years$25,040$24,331$23,648$22,990$22,357$21,716
4 years$18,593$17,886$17,209$16,563$15,945$15,325
5 years$14,726$14,023$13,355$12,722$12,121$11,523
6 years$12,148$11,450$10,793$10,174$9,591$9,016
7 years$10,308$9,616$8,969$8,364$7,800$7,248
8 years$8,929$8,243$7,606$7,017$6,471$5,942
9 years$7,856$7,177$6,551$5,977$5,449$4,943
10 years$6,999$6,326$5,712$5,152$4,643$4,160
11 years$6,298$5,632$5,028$4,484$3,993$3,532
12 years$5,714$5,055$4,463$3,933$3,460$3,021
13 years$5,220$4,568$3,987$3,472$3,018$2,599
14 years$4,797$4,152$3,582$3,082$2,645$2,248
15 years$4,431$3,793$3,234$2,749$2,329$1,952
16 years$4,111$3,480$2,933$2,461$2,058$1,701
17 years$3,829$3,205$2,668$2,211$1,825$1,486
18 years$3,579$2,962$2,436$1,993$1,623$1,302
19 years$3,355$2,745$2,230$1,801$1,446$1,144
20 years$3,154$2,551$2,047$1,631$1,292$1,006
21 years$2,972$2,376$1,882$1,480$1,156$887
22 years$2,807$2,218$1,735$1,346$1,036$783
23 years$2,657$2,074$1,602$1,226$930$692
24 years$2,519$1,943$1,482$1,118$836$612
25 years$2,393$1,824$1,372$1,021$752$542
26 years$2,276$1,714$1,273$933$678$480
27 years$2,168$1,613$1,182$854$611$426
28 years$2,068$1,520$1,099$783$551$378
29 years$1,975$1,434$1,022$718$498$336
30 years$1,889$1,354$952$659$450$298
31 years$1,808$1,280$888$605$407$265
32 years$1,733$1,211$828$556$368$236
33 years$1,662$1,147$773$511$333$210
34 years$1,595$1,087$723$471$301$186
35 years$1,533$1,031$676$433$273$166
36 years$1,474$979$632$399$247$148
37 years$1,418$930$592$368$224$132
38 years$1,366$883$554$339$203$117
39 years$1,316$840$519$312$184$104
40 years$1,269$799$486$288$167$93
41 years$1,224$761$456$266$152$83
42 years$1,181$725$428$245$138$74
43 years$1,141$690$402$226$125$66
44 years$1,103$658$377$209$113$59
45 years$1,066$628$354$193$103$52
46 years$1,031$599$332$178$93$47
47 years$998$571$312$165$85$42
48 years$966$545$293$152$77$37
49 years$935$521$276$141$70$33
50 years$906$497$259$130$64$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $928,000, adding $5,627 every year, while hoping to spend $36,207 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: 79/16/5 Blend
34$928,000$928,000$928,000$928,000
35$1,028,460$979,276$964,892$1,109,057
36$1,094,839$988,737$958,692$1,172,106
37$1,166,775$997,447$951,071$1,235,910
38$1,244,797$1,005,333$941,943$1,304,799
39$1,329,486$1,012,314$931,217$1,379,261
40$1,421,482$1,018,305$918,801$1,459,834
41$1,521,487$1,023,216$904,595$1,547,110
42$1,630,275$1,026,951$888,496$1,641,742
43$1,748,699$1,029,407$870,395$1,744,448
44$1,877,694$1,030,475$850,181$1,856,019
45$2,018,291$1,030,041$827,735$1,977,327
46$2,171,624$1,027,981$802,932$2,109,333
47$2,338,943$1,024,165$775,643$2,253,096
48$2,521,622$1,018,456$745,734$2,409,783
49$2,721,173$1,010,706$713,062$2,580,678
50$2,939,262$1,000,760$677,479$2,767,197
51$3,177,724$988,454$638,831$2,970,903
52$3,438,575$973,612$596,956$3,193,515
53$3,724,041$956,050$551,685$3,436,928
54$4,036,568$935,571$502,841$3,703,232
55$4,378,852$911,968$450,240$3,994,729
56$4,753,862$885,021$393,690$4,313,957
57$5,164,866$854,498$332,989$4,663,712
58$5,615,464$820,151$267,926$5,047,077
59$6,109,624$781,720$198,284$5,467,449
60$6,651,711$738,929$123,831$5,928,573
61$7,246,536$691,488$44,331$6,434,576
62$7,899,398$639,086$0$6,990,005
63$8,616,135$581,399$0$7,602,036
64$9,403,175$518,082$0$8,276,698
65$10,267,601$448,771$0$9,017,728
66$11,217,216$373,080$0$9,831,854
67$12,260,615$290,603$0$10,726,492
68$13,407,266$200,912$0$11,709,812
69$14,667,602$103,551$0$12,790,820
70$16,053,115$0$0$13,979,441
71$17,576,467$0$0$15,286,959
72$19,251,609$0$0$16,744,838
73$21,093,908$0$0$18,348,227
74$23,120,299$0$0$20,111,868
75$25,349,438$0$0$22,052,002
76$27,801,882$0$0$24,186,524
77$30,500,279$0$0$26,535,152
78$33,469,585$0$0$29,119,610
79$36,737,296$0$0$31,963,836
80$40,333,709$0$0$35,094,205
81$44,292,206$0$0$38,539,778
82$48,649,569$0$0$42,332,578
83$53,446,331$0$0$46,507,888
84$58,727,148$0$0$51,104,588
85$64,541,232$0$0$56,165,517
86$70,942,805$0$0$61,737,881
87$77,991,618$0$0$67,873,695
88$85,753,508$0$0$74,630,278
89$94,301,023$0$0$82,070,786
90$103,714,105$0$0$90,264,814
91$114,080,845$0$0$99,289,052
92$125,498,311$0$0$109,228,005
93$138,073,467$0$0$120,174,792
94$151,924,180$0$0$132,232,026
95$167,180,333$0$0$145,512,779
96$183,985,051$0$0$160,141,651
97$202,496,048$0$0$176,255,945
98$222,887,119$0$0$194,006,962
99$245,349,778$0$0$213,561,430
100$270,095,065$0$0$235,103,074