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%17.3%
1 years$76,881$76,196$75,528$74,876$74,239$72,036
2 years$38,060$37,351$36,664$35,998$35,352$33,150
3 years$25,121$24,409$23,724$23,064$22,429$20,298
4 years$18,653$17,943$17,265$16,617$15,996$13,953
5 years$14,773$14,068$13,398$12,763$12,160$10,209
6 years$12,188$11,487$10,828$10,207$9,622$7,765
7 years$10,341$9,647$8,998$8,392$7,825$6,063
8 years$8,957$8,269$7,631$7,039$6,492$4,823
9 years$7,882$7,200$6,573$5,996$5,467$3,889
10 years$7,021$6,346$5,730$5,169$4,658$3,170
11 years$6,318$5,650$5,045$4,498$4,006$2,605
12 years$5,732$5,071$4,477$3,946$3,472$2,154
13 years$5,237$4,583$4,000$3,483$3,027$1,791
14 years$4,813$4,166$3,594$3,092$2,654$1,495
15 years$4,446$3,805$3,245$2,758$2,337$1,252
16 years$4,125$3,491$2,942$2,469$2,065$1,052
17 years$3,842$3,215$2,677$2,219$1,831$886
18 years$3,591$2,971$2,444$1,999$1,628$747
19 years$3,366$2,754$2,237$1,807$1,451$632
20 years$3,164$2,559$2,053$1,636$1,296$534
21 years$2,982$2,383$1,889$1,485$1,160$453
22 years$2,816$2,225$1,741$1,350$1,040$384
23 years$2,665$2,081$1,607$1,230$933$326
24 years$2,527$1,950$1,486$1,121$839$277
25 years$2,400$1,830$1,377$1,024$755$235
26 years$2,283$1,720$1,277$936$680$200
27 years$2,175$1,618$1,186$857$613$170
28 years$2,075$1,525$1,102$785$553$145
29 years$1,982$1,439$1,026$720$499$123
30 years$1,895$1,359$955$661$451$105
31 years$1,814$1,284$891$607$408$89
32 years$1,738$1,215$831$558$369$76
33 years$1,667$1,151$776$513$334$65
34 years$1,601$1,091$725$472$302$55
35 years$1,538$1,035$678$435$274$47
36 years$1,479$982$634$400$248$40
37 years$1,423$933$593$369$225$34
38 years$1,370$886$556$340$204$29
39 years$1,320$843$521$313$185$25
40 years$1,273$802$488$289$168$21
41 years$1,228$763$458$267$152$18
42 years$1,185$727$429$246$138$15
43 years$1,145$693$403$227$125$13
44 years$1,106$660$378$210$114$11
45 years$1,069$630$355$194$103$9
46 years$1,034$601$333$179$94$8
47 years$1,001$573$313$165$85$7
48 years$969$547$294$153$77$6
49 years$938$522$277$141$70$5
50 years$909$499$260$130$64$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $931,000, adding $3,823 every year, while hoping to spend $48,748 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: 47/40/13 Blend
34$931,000$931,000$931,000$931,000
35$1,029,905$980,562$966,132$1,074,394
36$1,083,088$976,742$946,630$1,101,729
37$1,140,062$971,102$924,841$1,126,061
38$1,201,162$963,499$900,636$1,151,386
39$1,266,755$953,785$873,883$1,177,815
40$1,337,246$941,803$844,439$1,205,470
41$1,413,077$927,383$812,160$1,234,492
42$1,494,736$910,349$776,892$1,265,037
43$1,582,755$890,513$738,474$1,297,282
44$1,677,723$867,675$696,740$1,331,425
45$1,780,283$841,623$651,513$1,367,688
46$1,891,144$812,135$602,611$1,406,320
47$2,011,086$778,975$549,843$1,447,599
48$2,140,963$741,891$493,010$1,491,836
49$2,281,717$700,620$431,902$1,539,382
50$2,434,383$654,881$366,302$1,590,624
51$2,600,099$604,379$295,981$1,645,997
52$2,780,117$548,801$220,704$1,705,988
53$2,975,812$487,816$140,221$1,771,137
54$3,188,701$421,074$54,274$1,842,047
55$3,420,448$348,207$0$1,919,391
56$3,672,889$268,824$0$2,009,111
57$3,948,040$182,513$0$2,115,217
58$4,248,124$88,840$0$2,231,141
59$4,575,583$0$0$2,357,956
60$4,933,109$0$0$2,502,422
61$5,323,664$0$0$2,703,047
62$5,750,507$0$0$2,922,417
63$6,217,229$0$0$3,162,387
64$6,727,782$0$0$3,425,003
65$7,286,518$0$0$3,712,517
66$7,898,229$0$0$4,027,411
67$8,568,191$0$0$4,372,414
68$9,302,217$0$0$4,750,536
69$10,106,705$0$0$5,165,087
70$10,988,705$0$0$5,619,719
71$11,955,978$0$0$6,118,447
72$13,017,076$0$0$6,665,701
73$14,181,416$0$0$7,266,353
74$15,459,372$0$0$7,925,776
75$16,862,369$0$0$8,649,886
76$18,402,996$0$0$9,445,198
77$20,095,118$0$0$10,318,892
78$21,954,009$0$0$11,278,877
79$23,996,497$0$0$12,333,866
80$26,241,118$0$0$13,493,456
81$28,708,296$0$0$14,768,224
82$31,420,529$0$0$16,169,818
83$34,402,606$0$0$17,711,074
84$37,681,835$0$0$19,406,135
85$41,288,307$0$0$21,270,581
86$45,255,170$0$0$23,321,578
87$49,618,950$0$0$25,578,041
88$54,419,890$0$0$28,060,809
89$59,702,330$0$0$30,792,845
90$65,515,125$0$0$33,799,449
91$71,912,104$0$0$37,108,496
92$78,952,579$0$0$40,750,704
93$86,701,905$0$0$44,759,917
94$95,232,091$0$0$49,173,427
95$104,622,483$0$0$54,032,328
96$114,960,512$0$0$59,381,898
97$126,342,516$0$0$65,272,029
98$138,874,649$0$0$71,757,699
99$152,673,884$0$0$78,899,487
100$167,869,112$0$0$86,764,146