Can I retire at age 35 with 931,000?

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 $931,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$76,881$76,196$75,528$74,876$74,239$72,979
2 years$38,060$37,351$36,664$35,998$35,352$34,087
3 years$25,121$24,409$23,724$23,064$22,429$21,197
4 years$18,653$17,943$17,265$16,617$15,996$14,808
5 years$14,773$14,068$13,398$12,763$12,160$11,019
6 years$12,188$11,487$10,828$10,207$9,622$8,529
7 years$10,341$9,647$8,998$8,392$7,825$6,780
8 years$8,957$8,269$7,631$7,039$6,492$5,495
9 years$7,882$7,200$6,573$5,996$5,467$4,518
10 years$7,021$6,346$5,730$5,169$4,658$3,756
11 years$6,318$5,650$5,045$4,498$4,006$3,150
12 years$5,732$5,071$4,477$3,946$3,472$2,660
13 years$5,237$4,583$4,000$3,483$3,027$2,259
14 years$4,813$4,166$3,594$3,092$2,654$1,927
15 years$4,446$3,805$3,245$2,758$2,337$1,651
16 years$4,125$3,491$2,942$2,469$2,065$1,419
17 years$3,842$3,215$2,677$2,219$1,831$1,223
18 years$3,591$2,971$2,444$1,999$1,628$1,056
19 years$3,366$2,754$2,237$1,807$1,451$914
20 years$3,164$2,559$2,053$1,636$1,296$792
21 years$2,982$2,383$1,889$1,485$1,160$688
22 years$2,816$2,225$1,741$1,350$1,040$598
23 years$2,665$2,081$1,607$1,230$933$520
24 years$2,527$1,950$1,486$1,121$839$453
25 years$2,400$1,830$1,377$1,024$755$395
26 years$2,283$1,720$1,277$936$680$345
27 years$2,175$1,618$1,186$857$613$301
28 years$2,075$1,525$1,102$785$553$263
29 years$1,982$1,439$1,026$720$499$229
30 years$1,895$1,359$955$661$451$201
31 years$1,814$1,284$891$607$408$175
32 years$1,738$1,215$831$558$369$153
33 years$1,667$1,151$776$513$334$134
34 years$1,601$1,091$725$472$302$117
35 years$1,538$1,035$678$435$274$103
36 years$1,479$982$634$400$248$90
37 years$1,423$933$593$369$225$79
38 years$1,370$886$556$340$204$69
39 years$1,320$843$521$313$185$60
40 years$1,273$802$488$289$168$53
41 years$1,228$763$458$267$152$46
42 years$1,185$727$429$246$138$41
43 years$1,145$693$403$227$125$36
44 years$1,106$660$378$210$114$31
45 years$1,069$630$355$194$103$27
46 years$1,034$601$333$179$94$24
47 years$1,001$573$313$165$85$21
48 years$969$547$294$153$77$18
49 years$938$522$277$141$70$16
50 years$909$499$260$130$64$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $931,000, adding $4,807 every year, while hoping to spend $47,756 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: 70/14/16 Blend
34$931,000$931,000$931,000$931,000
35$1,030,920$981,577$967,147$1,098,919
36$1,085,262$978,863$948,734$1,142,059
37$1,143,546$974,414$928,104$1,183,088
38$1,206,125$968,097$905,132$1,226,773
39$1,273,383$959,767$879,688$1,273,367
40$1,345,745$949,273$851,634$1,323,154
41$1,423,675$936,452$820,828$1,376,444
42$1,507,686$921,134$787,122$1,433,583
43$1,598,338$903,137$750,358$1,494,951
44$1,696,247$882,270$710,374$1,560,968
45$1,802,092$858,329$667,000$1,632,100
46$1,916,617$831,099$620,056$1,708,860
47$2,040,642$800,352$569,357$1,791,816
48$2,175,065$765,847$514,709$1,881,594
49$2,320,878$727,329$455,907$1,978,888
50$2,479,167$684,529$392,740$2,084,462
51$2,651,132$637,160$324,987$2,199,162
52$2,838,088$584,922$252,415$2,323,921
53$3,041,485$527,495$174,782$2,459,770
54$3,262,917$464,542$91,838$2,607,848
55$3,504,137$395,708$3,317$2,769,413
56$3,767,077$320,615$0$2,945,852
57$4,053,860$238,867$0$3,154,261
58$4,366,825$150,042$0$3,382,387
59$4,708,546$53,699$0$3,631,582
60$5,081,856$0$0$3,903,965
61$5,489,874$0$0$4,209,667
62$5,936,035$0$0$4,553,041
63$6,424,119$0$0$4,928,730
64$6,958,290$0$0$5,339,944
65$7,543,133$0$0$5,790,220
66$8,183,694$0$0$6,283,450
67$8,885,535$0$0$6,823,922
68$9,654,777$0$0$7,416,358
69$10,498,164$0$0$8,065,960
70$11,423,122$0$0$8,778,454
71$12,437,831$0$0$9,560,150
72$13,551,302$0$0$10,417,998
73$14,773,458$0$0$11,359,652
74$16,115,232$0$0$12,393,544
75$17,588,665$0$0$13,528,961
76$19,207,024$0$0$14,776,136
77$20,984,920$0$0$16,146,341
78$22,938,454$0$0$17,651,992
79$25,085,361$0$0$19,306,769
80$27,445,178$0$0$21,125,744
81$30,039,431$0$0$23,125,518
82$32,891,835$0$0$25,324,386
83$36,028,519$0$0$27,742,500
84$39,478,269$0$0$30,402,066
85$43,272,801$0$0$33,327,546
86$47,447,059$0$0$36,545,896
87$52,039,545$0$0$40,086,815
88$57,092,681$0$0$43,983,024
89$62,653,207$0$0$48,270,579
90$68,772,625$0$0$52,989,204
91$75,507,680$0$0$58,182,673
92$82,920,898$0$0$63,899,215
93$91,081,175$0$0$70,191,975
94$100,064,424$0$0$77,119,510
95$109,954,293$0$0$84,746,344
96$120,842,953$0$0$93,143,575
97$132,831,966$0$0$102,389,547
98$146,033,243$0$0$112,570,586
99$160,570,101$0$0$123,781,816
100$176,578,426$0$0$136,128,056