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%11.3%
1 years$76,881$76,196$75,528$74,876$74,239$73,833
2 years$38,060$37,351$36,664$35,998$35,352$34,942
3 years$25,121$24,409$23,724$23,064$22,429$22,028
4 years$18,653$17,943$17,265$16,617$15,996$15,608
5 years$14,773$14,068$13,398$12,763$12,160$11,785
6 years$12,188$11,487$10,828$10,207$9,622$9,260
7 years$10,341$9,647$8,998$8,392$7,825$7,478
8 years$8,957$8,269$7,631$7,039$6,492$6,158
9 years$7,882$7,200$6,573$5,996$5,467$5,147
10 years$7,021$6,346$5,730$5,169$4,658$4,352
11 years$6,318$5,650$5,045$4,498$4,006$3,713
12 years$5,732$5,071$4,477$3,946$3,472$3,192
13 years$5,237$4,583$4,000$3,483$3,027$2,761
14 years$4,813$4,166$3,594$3,092$2,654$2,400
15 years$4,446$3,805$3,245$2,758$2,337$2,095
16 years$4,125$3,491$2,942$2,469$2,065$1,836
17 years$3,842$3,215$2,677$2,219$1,831$1,613
18 years$3,591$2,971$2,444$1,999$1,628$1,421
19 years$3,366$2,754$2,237$1,807$1,451$1,255
20 years$3,164$2,559$2,053$1,636$1,296$1,111
21 years$2,982$2,383$1,889$1,485$1,160$985
22 years$2,816$2,225$1,741$1,350$1,040$874
23 years$2,665$2,081$1,607$1,230$933$777
24 years$2,527$1,950$1,486$1,121$839$692
25 years$2,400$1,830$1,377$1,024$755$616
26 years$2,283$1,720$1,277$936$680$550
27 years$2,175$1,618$1,186$857$613$491
28 years$2,075$1,525$1,102$785$553$438
29 years$1,982$1,439$1,026$720$499$392
30 years$1,895$1,359$955$661$451$350
31 years$1,814$1,284$891$607$408$313
32 years$1,738$1,215$831$558$369$280
33 years$1,667$1,151$776$513$334$251
34 years$1,601$1,091$725$472$302$225
35 years$1,538$1,035$678$435$274$202
36 years$1,479$982$634$400$248$181
37 years$1,423$933$593$369$225$162
38 years$1,370$886$556$340$204$145
39 years$1,320$843$521$313$185$130
40 years$1,273$802$488$289$168$117
41 years$1,228$763$458$267$152$105
42 years$1,185$727$429$246$138$94
43 years$1,145$693$403$227$125$84
44 years$1,106$660$378$210$114$76
45 years$1,069$630$355$194$103$68
46 years$1,034$601$333$179$94$61
47 years$1,001$573$313$165$85$55
48 years$969$547$294$153$77$49
49 years$938$522$277$141$70$44
50 years$909$499$260$130$64$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $931,000, adding $3,318 every year, while hoping to spend $27,372 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: 82/13/5 Blend
34$931,000$931,000$931,000$931,000
35$1,029,385$980,042$965,611$1,113,425
36$1,105,258$998,940$968,835$1,187,716
37$1,187,953$1,017,847$971,250$1,265,230
38$1,278,137$1,036,734$972,800$1,349,466
39$1,376,544$1,055,571$973,425$1,441,081
40$1,483,981$1,074,324$973,065$1,540,796
41$1,601,339$1,092,957$971,654$1,649,408
42$1,729,595$1,111,431$969,124$1,767,793
43$1,869,829$1,129,707$965,405$1,896,915
44$2,023,226$1,147,737$960,421$2,037,837
45$2,191,095$1,165,476$954,094$2,191,730
46$2,374,873$1,182,871$946,343$2,359,882
47$2,576,146$1,199,867$937,081$2,543,714
48$2,796,658$1,216,406$926,219$2,744,790
49$3,038,331$1,232,424$913,661$2,964,833
50$3,303,282$1,247,854$899,310$3,205,742
51$3,593,842$1,262,624$883,062$3,469,607
52$3,912,578$1,276,656$864,809$3,758,735
53$4,262,318$1,289,870$844,437$4,075,661
54$4,646,178$1,302,177$821,829$4,423,185
55$5,067,588$1,313,483$796,860$4,804,386
56$5,530,328$1,323,690$769,401$5,222,661
57$6,038,562$1,332,691$739,316$5,681,751
58$6,596,876$1,340,374$706,464$6,185,777
59$7,210,323$1,346,617$670,696$6,739,282
60$7,884,469$1,351,295$631,858$7,347,270
61$8,625,448$1,354,271$589,788$8,015,257
62$9,440,014$1,355,401$544,316$8,749,318
63$10,335,611$1,354,531$495,266$9,556,150
64$11,320,439$1,351,499$442,454$10,443,133
65$12,403,534$1,346,133$385,686$11,418,396
66$13,594,849$1,338,248$324,761$12,490,899
67$14,905,353$1,327,651$259,469$13,670,516
68$16,347,128$1,314,135$189,591$14,968,128
69$17,933,489$1,297,482$114,897$16,395,724
70$19,679,107$1,277,460$35,147$17,966,516
71$21,600,144$1,253,824$0$19,695,065
72$23,714,410$1,226,313$0$21,600,080
73$26,041,530$1,194,652$0$23,698,753
74$28,603,125$1,158,550$0$26,008,706
75$31,423,023$1,117,697$0$28,551,426
76$34,527,475$1,071,768$0$31,350,593
77$37,945,409$1,020,416$0$34,432,299
78$41,708,700$963,276$0$37,825,298
79$45,852,472$899,961$0$41,561,277
80$50,415,428$830,063$0$45,675,154
81$55,440,214$753,149$0$50,205,407
82$60,973,825$668,762$0$55,194,439
83$67,068,043$576,419$0$60,688,978
84$73,779,930$475,611$0$66,740,519
85$81,172,365$365,798$0$73,405,806
86$89,314,635$246,410$0$80,747,373
87$98,283,091$116,848$0$88,834,134
88$108,161,868$0$0$97,742,028
89$119,043,678$0$0$107,558,108
90$131,030,686$0$0$118,389,590
91$144,235,472$0$0$130,321,491
92$158,782,095$0$0$143,465,915
93$174,807,264$0$0$157,946,397
94$192,461,626$0$0$173,899,066
95$211,911,190$0$0$191,473,936
96$233,338,891$0$0$210,836,313
97$256,946,320$0$0$232,168,362
98$282,955,622$0$0$255,670,821
99$311,611,598$0$0$281,564,903
100$343,184,010$0$0$310,094,374