Can I retire at age 35 with 930,000?

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 $930,000?

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 years$76,799$76,114$75,447$74,796$74,160$73,538
2 years$38,019$37,311$36,625$35,959$35,314$34,688
3 years$25,094$24,383$23,699$23,040$22,405$21,793
4 years$18,633$17,924$17,247$16,599$15,979$15,387
5 years$14,757$14,053$13,384$12,749$12,147$11,576
6 years$12,175$11,475$10,816$10,196$9,612$9,062
7 years$10,330$9,637$8,988$8,383$7,817$7,289
8 years$8,948$8,261$7,623$7,032$6,485$5,979
9 years$7,873$7,192$6,566$5,990$5,461$4,977
10 years$7,014$6,340$5,724$5,163$4,653$4,191
11 years$6,311$5,644$5,039$4,493$4,002$3,560
12 years$5,726$5,066$4,472$3,941$3,468$3,047
13 years$5,231$4,578$3,996$3,480$3,024$2,624
14 years$4,808$4,161$3,590$3,089$2,651$2,270
15 years$4,441$3,801$3,241$2,755$2,334$1,973
16 years$4,120$3,488$2,939$2,467$2,063$1,720
17 years$3,838$3,212$2,674$2,216$1,829$1,504
18 years$3,587$2,968$2,441$1,997$1,626$1,319
19 years$3,362$2,751$2,235$1,805$1,450$1,159
20 years$3,161$2,556$2,051$1,634$1,295$1,021
21 years$2,979$2,381$1,887$1,483$1,159$900
22 years$2,813$2,222$1,739$1,349$1,039$795
23 years$2,662$2,079$1,605$1,228$932$703
24 years$2,524$1,948$1,485$1,120$838$622
25 years$2,398$1,828$1,375$1,023$754$552
26 years$2,281$1,718$1,275$935$679$489
27 years$2,173$1,617$1,184$856$612$434
28 years$2,073$1,523$1,101$785$553$386
29 years$1,980$1,437$1,025$719$499$343
30 years$1,893$1,357$954$660$451$305
31 years$1,812$1,283$890$606$408$271
32 years$1,736$1,214$830$557$369$241
33 years$1,665$1,150$775$512$334$215
34 years$1,599$1,090$724$472$302$191
35 years$1,536$1,033$677$434$274$170
36 years$1,477$981$633$400$248$152
37 years$1,421$932$593$368$225$135
38 years$1,369$885$555$339$204$121
39 years$1,319$842$520$313$185$108
40 years$1,271$801$488$289$168$96
41 years$1,227$762$457$266$152$85
42 years$1,184$726$429$246$138$76
43 years$1,144$692$402$227$125$68
44 years$1,105$659$378$210$114$61
45 years$1,068$629$355$194$103$54
46 years$1,033$600$333$179$94$48
47 years$1,000$573$313$165$85$43
48 years$968$547$294$153$77$38
49 years$937$522$276$141$70$34
50 years$908$499$260$130$64$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $930,000, adding $5,233 every year, while hoping to spend $35,144 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: 61/12/27 Blend
34$930,000$930,000$930,000$930,000
35$1,030,258$980,968$966,553$1,085,339
36$1,097,951$991,642$961,539$1,134,090
37$1,171,371$1,001,662$955,180$1,183,022
38$1,251,065$1,010,958$947,393$1,235,685
39$1,337,635$1,019,455$938,092$1,292,450
40$1,431,742$1,027,077$927,186$1,353,726
41$1,534,115$1,033,739$914,581$1,419,967
42$1,645,554$1,039,351$900,179$1,491,673
43$1,766,941$1,043,820$883,876$1,569,394
44$1,899,246$1,047,044$865,562$1,653,741
45$2,043,536$1,048,917$845,126$1,745,385
46$2,200,987$1,049,324$822,448$1,845,070
47$2,372,892$1,048,145$797,405$1,953,615
48$2,560,674$1,045,251$769,865$2,071,925
49$2,765,902$1,040,507$739,694$2,200,998
50$2,990,299$1,033,768$706,749$2,341,938
51$3,235,767$1,024,880$670,883$2,495,959
52$3,504,397$1,013,681$631,939$2,664,406
53$3,798,493$999,998$589,756$2,848,758
54$4,120,590$983,649$544,165$3,050,653
55$4,473,484$964,441$494,987$3,271,893
56$4,860,249$942,169$442,039$3,514,469
57$5,284,273$916,614$385,127$3,780,578
58$5,749,290$887,549$324,049$4,072,643
59$6,259,407$854,728$258,594$4,393,338
60$6,819,153$817,896$188,543$4,745,612
61$7,433,513$776,780$113,666$5,132,719
62$8,107,980$731,091$33,723$5,558,247
63$8,848,605$680,525$0$6,026,157
64$9,662,052$624,761$0$6,555,678
65$10,555,665$563,457$0$7,148,099
66$11,537,530$496,253$0$7,799,084
67$12,616,558$422,771$0$8,514,575
68$13,802,567$342,606$0$9,301,121
69$15,106,371$255,336$0$10,165,937
70$16,539,886$160,512$0$11,116,976
71$18,116,237$57,661$0$12,163,002
72$19,849,889$0$0$13,313,673
73$21,756,777$0$0$14,586,727
74$23,854,455$0$0$15,995,613
75$26,162,270$0$0$17,545,717
76$28,701,533$0$0$19,251,367
77$31,495,729$0$0$21,128,346
78$34,570,731$0$0$23,194,047
79$37,955,051$0$0$25,467,634
80$41,680,102$0$0$27,970,223
81$45,780,497$0$0$30,725,079
82$50,294,377$0$0$33,757,841
83$55,263,767$0$0$37,096,756
84$60,734,975$0$0$40,772,953
85$66,759,027$0$0$44,820,730
86$73,392,148$0$0$49,277,882
87$80,696,294$0$0$54,186,055
88$88,739,735$0$0$59,591,139
89$97,597,698$0$0$65,543,702
90$107,353,078$0$0$72,099,466
91$118,097,220$0$0$79,319,832
92$129,930,779$0$0$87,272,462
93$142,964,672$0$0$96,031,913
94$157,321,123$0$0$105,680,344
95$173,134,813$0$0$116,308,291
96$190,554,159$0$0$128,015,517
97$209,742,706$0$0$140,911,960
98$230,880,673$0$0$155,118,763
99$254,166,655$0$0$170,769,425
100$279,819,496$0$0$188,011,054