Can I retire at age 35 with 929,000?

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 $929,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$76,716$76,033$75,366$74,715$74,080$73,398
2 years$37,978$37,271$36,585$35,921$35,276$34,589
3 years$25,067$24,357$23,673$23,015$22,381$21,710
4 years$18,613$17,905$17,228$16,581$15,962$15,312
5 years$14,742$14,038$13,370$12,736$12,134$11,508
6 years$12,161$11,463$10,805$10,185$9,601$8,999
7 years$10,319$9,626$8,979$8,374$7,808$7,230
8 years$8,938$8,252$7,615$7,024$6,478$5,924
9 years$7,865$7,185$6,559$5,983$5,455$4,926
10 years$7,006$6,333$5,718$5,158$4,648$4,142
11 years$6,304$5,638$5,034$4,489$3,998$3,515
12 years$5,720$5,060$4,467$3,937$3,464$3,005
13 years$5,226$4,573$3,991$3,476$3,021$2,584
14 years$4,803$4,157$3,586$3,086$2,648$2,233
15 years$4,436$3,797$3,238$2,752$2,332$1,937
16 years$4,116$3,484$2,936$2,464$2,061$1,687
17 years$3,833$3,208$2,671$2,214$1,827$1,473
18 years$3,583$2,965$2,439$1,995$1,625$1,290
19 years$3,359$2,748$2,232$1,803$1,448$1,132
20 years$3,157$2,553$2,049$1,633$1,293$995
21 years$2,975$2,378$1,884$1,482$1,157$876
22 years$2,810$2,220$1,737$1,347$1,037$773
23 years$2,660$2,076$1,604$1,227$931$683
24 years$2,522$1,945$1,483$1,119$837$603
25 years$2,395$1,826$1,374$1,022$753$534
26 years$2,278$1,716$1,274$934$678$473
27 years$2,171$1,615$1,183$855$612$419
28 years$2,071$1,522$1,100$784$552$371
29 years$1,978$1,435$1,023$719$498$330
30 years$1,891$1,356$953$660$450$293
31 years$1,810$1,282$889$606$407$260
32 years$1,735$1,213$829$557$368$231
33 years$1,664$1,148$774$512$333$205
34 years$1,597$1,088$723$471$302$182
35 years$1,534$1,032$676$434$273$162
36 years$1,475$980$633$399$248$144
37 years$1,420$931$592$368$224$128
38 years$1,367$884$555$339$203$114
39 years$1,317$841$520$313$185$102
40 years$1,270$800$487$288$167$91
41 years$1,225$762$457$266$152$81
42 years$1,183$725$428$246$138$72
43 years$1,142$691$402$227$125$64
44 years$1,104$659$377$209$114$57
45 years$1,067$628$354$193$103$51
46 years$1,032$599$333$179$94$45
47 years$999$572$313$165$85$40
48 years$967$546$294$152$77$36
49 years$936$521$276$141$70$32
50 years$907$498$260$130$64$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $929,000, adding $3,385 every year, while hoping to spend $55,408 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: 55/23/22 Blend
34$929,000$929,000$929,000$929,000
35$1,027,250$978,013$963,613$1,077,417
36$1,073,075$966,982$936,940$1,101,133
37$1,121,718$953,553$907,517$1,120,824
38$1,173,407$937,551$875,193$1,141,086
39$1,228,393$918,789$839,810$1,161,988
40$1,286,949$897,069$801,203$1,183,613
41$1,349,375$872,183$759,201$1,206,052
42$1,416,000$843,909$713,623$1,229,411
43$1,487,184$812,012$664,281$1,253,809
44$1,563,321$776,246$610,979$1,279,379
45$1,644,845$736,346$553,512$1,306,276
46$1,732,229$692,037$491,664$1,334,670
47$1,825,994$643,024$425,213$1,364,755
48$1,926,711$588,998$353,923$1,396,751
49$2,035,006$529,630$277,550$1,430,902
50$2,151,569$464,574$195,840$1,467,483
51$2,277,154$393,463$108,526$1,506,805
52$2,412,591$315,911$15,329$1,549,214
53$2,558,794$231,508$0$1,595,098
54$2,716,762$139,824$0$1,664,639
55$2,887,598$40,401$0$1,743,700
56$3,072,511$0$0$1,829,295
57$3,272,833$0$0$1,939,124
58$3,490,026$0$0$2,069,361
59$3,725,698$0$0$2,210,755
60$3,981,619$0$0$2,364,376
61$4,259,735$0$0$2,531,402
62$4,562,186$0$0$2,713,130
63$4,891,328$0$0$2,910,984
64$5,249,752$0$0$3,126,535
65$5,640,310$0$0$3,361,509
66$6,066,140$0$0$3,617,807
67$6,530,696$0$0$3,897,519
68$7,037,779$0$0$4,202,949
69$7,591,576$0$0$4,536,632
70$8,196,691$0$0$4,901,357
71$8,858,198$0$0$5,300,196
72$9,581,680$0$0$5,736,533
73$10,373,285$0$0$6,214,091
74$11,239,784$0$0$6,736,971
75$12,188,631$0$0$7,309,691
76$13,228,036$0$0$7,937,222
77$14,367,039$0$0$8,625,042
78$15,615,598$0$0$9,379,185
79$16,984,677$0$0$10,206,293
80$18,486,356$0$0$11,113,685
81$20,133,937$0$0$12,109,421
82$21,942,074$0$0$13,202,379
83$23,926,907$0$0$14,402,339
84$26,106,214$0$0$15,720,075
85$28,499,583$0$0$17,167,455
86$31,128,586$0$0$18,757,550
87$34,016,993$0$0$20,504,765
88$37,190,986$0$0$22,424,964
89$40,679,410$0$0$24,535,628
90$44,514,044$0$0$26,856,015
91$48,729,898$0$0$29,407,340
92$53,365,546$0$0$32,212,979
93$58,463,484$0$0$35,298,685
94$64,070,532$0$0$38,692,832
95$70,238,279$0$0$42,426,683
96$77,023,561$0$0$46,534,683
97$84,489,002$0$0$51,054,785
98$92,703,604$0$0$56,028,803
99$101,743,391$0$0$61,502,815
100$111,692,133$0$0$67,527,586