Can I retire at age 35 with 929,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%15.4%
1 years$76,716$76,033$75,366$74,715$74,080$72,436
2 years$37,978$37,271$36,585$35,921$35,276$33,629
3 years$25,067$24,357$23,673$23,015$22,381$20,781
4 years$18,613$17,905$17,228$16,581$15,962$14,422
5 years$14,742$14,038$13,370$12,736$12,134$10,659
6 years$12,161$11,463$10,805$10,185$9,601$8,192
7 years$10,319$9,626$8,979$8,374$7,808$6,465
8 years$8,938$8,252$7,615$7,024$6,478$5,200
9 years$7,865$7,185$6,559$5,983$5,455$4,242
10 years$7,006$6,333$5,718$5,158$4,648$3,499
11 years$6,304$5,638$5,034$4,489$3,998$2,910
12 years$5,720$5,060$4,467$3,937$3,464$2,437
13 years$5,226$4,573$3,991$3,476$3,021$2,052
14 years$4,803$4,157$3,586$3,086$2,648$1,735
15 years$4,436$3,797$3,238$2,752$2,332$1,473
16 years$4,116$3,484$2,936$2,464$2,061$1,254
17 years$3,833$3,208$2,671$2,214$1,827$1,071
18 years$3,583$2,965$2,439$1,995$1,625$916
19 years$3,359$2,748$2,232$1,803$1,448$785
20 years$3,157$2,553$2,049$1,633$1,293$674
21 years$2,975$2,378$1,884$1,482$1,157$580
22 years$2,810$2,220$1,737$1,347$1,037$499
23 years$2,660$2,076$1,604$1,227$931$430
24 years$2,522$1,945$1,483$1,119$837$370
25 years$2,395$1,826$1,374$1,022$753$320
26 years$2,278$1,716$1,274$934$678$276
27 years$2,171$1,615$1,183$855$612$238
28 years$2,071$1,522$1,100$784$552$206
29 years$1,978$1,435$1,023$719$498$178
30 years$1,891$1,356$953$660$450$154
31 years$1,810$1,282$889$606$407$133
32 years$1,735$1,213$829$557$368$115
33 years$1,664$1,148$774$512$333$100
34 years$1,597$1,088$723$471$302$86
35 years$1,534$1,032$676$434$273$75
36 years$1,475$980$633$399$248$65
37 years$1,420$931$592$368$224$56
38 years$1,367$884$555$339$203$48
39 years$1,317$841$520$313$185$42
40 years$1,270$800$487$288$167$36
41 years$1,225$762$457$266$152$31
42 years$1,183$725$428$246$138$27
43 years$1,142$691$402$227$125$24
44 years$1,104$659$377$209$114$20
45 years$1,067$628$354$193$103$18
46 years$1,032$599$333$179$94$15
47 years$999$572$313$165$85$13
48 years$967$546$294$152$77$12
49 years$936$521$276$141$70$10
50 years$907$498$260$130$64$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $929,000, adding $6,684 every year, while hoping to spend $42,769 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: 58/15/27 Blend
34$929,000$929,000$929,000$929,000
35$1,030,653$981,416$967,016$1,082,498
36$1,090,273$983,999$953,905$1,121,312
37$1,154,542$985,276$938,922$1,158,518
38$1,223,887$985,136$921,958$1,198,197
39$1,298,781$983,465$902,900$1,240,600
40$1,379,740$980,138$881,631$1,286,006
41$1,467,334$975,026$858,027$1,334,725
42$1,562,189$967,989$831,958$1,387,097
43$1,664,993$958,881$803,289$1,443,503
44$1,776,502$947,546$771,878$1,504,361
45$1,897,548$933,818$737,579$1,570,136
46$2,029,045$917,523$700,235$1,641,342
47$2,172,000$898,474$659,686$1,718,549
48$2,327,521$876,476$615,762$1,802,385
49$2,496,825$851,320$568,286$1,893,549
50$2,681,252$822,786$517,075$1,992,810
51$2,882,279$790,641$461,936$2,101,021
52$3,101,527$754,639$402,667$2,219,124
53$3,340,785$714,518$339,058$2,348,163
54$3,602,018$670,003$270,890$2,489,290
55$3,887,392$620,801$197,933$2,643,779
56$4,199,290$566,604$119,948$2,813,037
57$4,540,336$507,086$36,685$2,998,623
58$4,913,420$441,903$0$3,202,254
59$5,321,722$370,689$0$3,440,863
60$5,768,746$293,061$0$3,713,772
61$6,258,349$208,612$0$4,012,804
62$6,794,778$116,912$0$4,340,606
63$7,382,713$17,508$0$4,700,096
64$8,027,306$0$0$5,094,492
65$8,734,231$0$0$5,542,207
66$9,509,739$0$0$6,036,610
67$10,360,714$0$0$6,579,207
68$11,294,739$0$0$7,174,846
69$12,320,168$0$0$7,828,864
70$13,446,202$0$0$8,547,140
71$14,682,976$0$0$9,336,152
72$16,041,657$0$0$10,203,035
73$17,534,546$0$0$11,155,650
74$19,175,193$0$0$12,202,657
75$20,978,529$0$0$13,353,596
76$22,960,999$0$0$14,618,978
77$25,140,726$0$0$16,010,384
78$27,537,672$0$0$17,540,571
79$30,173,834$0$0$19,223,597
80$33,073,444$0$0$21,074,950
81$36,263,205$0$0$23,111,692
82$39,772,533$0$0$25,352,626
83$43,633,842$0$0$27,818,467
84$47,882,848$0$0$30,532,039
85$52,558,900$0$0$33,518,492
86$57,705,357$0$0$36,805,538
87$63,369,995$0$0$40,423,709
88$69,605,455$0$0$44,406,650
89$76,469,740$0$0$48,791,432
90$84,026,766$0$0$53,618,904
91$92,346,957$0$0$58,934,077
92$101,507,916$0$0$64,786,547
93$111,595,152$0$0$71,230,967
94$122,702,889$0$0$78,327,559
95$134,934,953$0$0$86,142,680
96$148,405,754$0$0$94,749,453
97$163,241,361$0$0$104,228,454
98$179,580,693$0$0$114,668,471
99$197,576,832$0$0$126,167,345
100$217,398,463$0$0$138,832,889