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%14.7%
1 years$76,633$75,951$75,285$74,635$74,000$72,565
2 years$37,937$37,231$36,546$35,882$35,238$33,798
3 years$25,040$24,331$23,648$22,990$22,357$20,957
4 years$18,593$17,886$17,209$16,563$15,945$14,596
5 years$14,726$14,023$13,355$12,722$12,121$10,827
6 years$12,148$11,450$10,793$10,174$9,591$8,353
7 years$10,308$9,616$8,969$8,364$7,800$6,618
8 years$8,929$8,243$7,606$7,017$6,471$5,345
9 years$7,856$7,177$6,551$5,977$5,449$4,379
10 years$6,999$6,326$5,712$5,152$4,643$3,627
11 years$6,298$5,632$5,028$4,484$3,993$3,030
12 years$5,714$5,055$4,463$3,933$3,460$2,549
13 years$5,220$4,568$3,987$3,472$3,018$2,156
14 years$4,797$4,152$3,582$3,082$2,645$1,832
15 years$4,431$3,793$3,234$2,749$2,329$1,563
16 years$4,111$3,480$2,933$2,461$2,058$1,338
17 years$3,829$3,205$2,668$2,211$1,825$1,148
18 years$3,579$2,962$2,436$1,993$1,623$987
19 years$3,355$2,745$2,230$1,801$1,446$850
20 years$3,154$2,551$2,047$1,631$1,292$734
21 years$2,972$2,376$1,882$1,480$1,156$634
22 years$2,807$2,218$1,735$1,346$1,036$549
23 years$2,657$2,074$1,602$1,226$930$475
24 years$2,519$1,943$1,482$1,118$836$412
25 years$2,393$1,824$1,372$1,021$752$358
26 years$2,276$1,714$1,273$933$678$310
27 years$2,168$1,613$1,182$854$611$270
28 years$2,068$1,520$1,099$783$551$234
29 years$1,975$1,434$1,022$718$498$204
30 years$1,889$1,354$952$659$450$177
31 years$1,808$1,280$888$605$407$154
32 years$1,733$1,211$828$556$368$134
33 years$1,662$1,147$773$511$333$117
34 years$1,595$1,087$723$471$301$102
35 years$1,533$1,031$676$433$273$88
36 years$1,474$979$632$399$247$77
37 years$1,418$930$592$368$224$67
38 years$1,366$883$554$339$203$58
39 years$1,316$840$519$312$184$51
40 years$1,269$799$486$288$167$44
41 years$1,224$761$456$266$152$39
42 years$1,181$725$428$245$138$34
43 years$1,141$690$402$226$125$29
44 years$1,103$658$377$209$113$26
45 years$1,066$628$354$193$103$22
46 years$1,031$599$332$178$93$19
47 years$998$571$312$165$85$17
48 years$966$545$293$152$77$15
49 years$935$521$276$141$70$13
50 years$906$497$259$130$64$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $928,000, adding $4,799 every year, while hoping to spend $21,035 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: 42/48/10 Blend
34$928,000$928,000$928,000$928,000
35$1,027,606$978,422$964,038$1,067,561
36$1,110,041$1,003,984$973,952$1,121,515
37$1,200,179$1,030,093$983,494$1,177,417
38$1,298,784$1,056,754$992,627$1,237,474
39$1,406,697$1,083,972$1,001,317$1,302,075
40$1,524,842$1,111,749$1,009,524$1,371,647
41$1,654,241$1,140,090$1,017,208$1,446,657
42$1,796,015$1,168,995$1,024,326$1,527,624
43$1,951,401$1,198,468$1,030,833$1,615,114
44$2,121,760$1,228,510$1,036,682$1,709,755
45$2,308,592$1,259,120$1,041,824$1,812,236
46$2,513,550$1,290,297$1,046,206$1,923,315
47$2,738,451$1,322,041$1,049,773$2,043,827
48$2,985,301$1,354,349$1,052,468$2,174,695
49$3,256,307$1,387,217$1,054,231$2,316,930
50$3,553,900$1,420,640$1,054,997$2,471,650
51$3,880,759$1,454,613$1,054,701$2,640,085
52$4,239,835$1,489,128$1,053,273$2,823,590
53$4,634,379$1,524,176$1,050,638$3,023,656
54$5,067,973$1,559,748$1,046,721$3,241,930
55$5,544,560$1,595,830$1,041,440$3,480,222
56$6,068,489$1,632,409$1,034,712$3,740,528
57$6,644,547$1,669,469$1,026,448$4,025,049
58$7,278,011$1,706,994$1,016,554$4,336,208
59$7,974,694$1,744,962$1,004,934$4,676,675
60$8,741,000$1,783,352$991,486$5,049,392
61$9,583,984$1,822,139$976,104$5,457,603
62$10,511,423$1,861,296$958,675$5,904,880
63$11,531,881$1,900,792$939,084$6,395,161
64$12,654,797$1,940,595$917,207$6,932,786
65$13,890,570$1,980,668$892,918$7,522,536
66$15,250,659$2,020,972$866,081$8,169,680
67$16,747,690$2,061,463$836,559$8,880,027
68$18,395,574$2,102,094$804,203$9,659,977
69$20,209,640$2,142,814$768,861$10,516,583
70$22,206,779$2,183,568$730,374$11,457,618
71$24,405,602$2,224,295$688,573$12,491,649
72$26,826,618$2,264,930$643,285$13,628,118
73$29,492,424$2,305,402$594,326$14,877,429
74$32,427,922$2,345,637$541,506$16,251,049
75$35,660,549$2,385,553$484,626$17,761,618
76$39,220,542$2,425,061$423,477$19,423,063
77$43,141,215$2,464,068$357,842$21,250,735
78$47,459,284$2,502,471$287,494$23,261,551
79$52,215,201$2,540,163$212,196$25,474,157
80$57,453,547$2,577,026$131,700$27,909,102
81$63,223,445$2,612,936$45,748$30,589,032
82$69,579,025$2,647,760$0$33,538,907
83$76,579,939$2,681,353$0$36,791,139
84$84,291,917$2,713,564$0$40,376,668
85$92,787,393$2,744,229$0$44,324,050
86$102,146,186$2,773,174$0$48,670,140
87$112,456,251$2,800,214$0$53,455,553
88$123,814,514$2,825,150$0$58,725,052
89$136,327,783$2,847,771$0$64,527,965
90$150,113,758$2,867,853$0$70,918,654
91$165,302,139$2,885,156$0$77,957,030
92$182,035,854$2,899,425$0$85,709,117
93$200,472,403$2,910,389$0$94,247,676
94$220,785,351$2,917,761$0$103,652,893
95$243,165,960$2,921,234$0$114,013,140
96$267,824,996$2,920,483$0$125,425,802
97$294,994,722$2,915,163$0$137,998,207
98$324,931,084$2,904,906$0$151,848,631
99$357,916,132$2,889,325$0$167,107,423
100$394,260,681$2,868,005$0$183,918,232