Can I retire at age 35 with 932,000?

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 $932,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$76,964$76,278$75,609$74,956$74,319$71,625
2 years$38,101$37,391$36,704$36,037$35,390$32,706
3 years$25,148$24,436$23,750$23,089$22,453$19,862
4 years$18,673$17,963$17,284$16,634$16,014$13,536
5 years$14,789$14,083$13,413$12,777$12,173$9,816
6 years$12,201$11,500$10,840$10,218$9,632$7,397
7 years$10,353$9,658$9,008$8,401$7,834$5,720
8 years$8,967$8,278$7,639$7,047$6,499$4,504
9 years$7,890$7,208$6,580$6,002$5,473$3,595
10 years$7,029$6,353$5,736$5,174$4,663$2,899
11 years$6,325$5,656$5,050$4,503$4,010$2,356
12 years$5,738$5,076$4,482$3,950$3,475$1,926
13 years$5,243$4,588$4,004$3,487$3,031$1,583
14 years$4,818$4,170$3,598$3,095$2,657$1,306
15 years$4,450$3,809$3,248$2,761$2,339$1,081
16 years$4,129$3,495$2,945$2,472$2,067$897
17 years$3,846$3,219$2,680$2,221$1,833$746
18 years$3,594$2,974$2,446$2,001$1,630$621
19 years$3,370$2,757$2,240$1,809$1,453$518
20 years$3,168$2,562$2,055$1,638$1,298$433
21 years$2,985$2,386$1,891$1,487$1,161$362
22 years$2,819$2,227$1,742$1,352$1,041$303
23 years$2,668$2,083$1,609$1,231$934$254
24 years$2,530$1,952$1,488$1,123$840$213
25 years$2,403$1,832$1,378$1,025$756$178
26 years$2,286$1,721$1,278$937$681$149
27 years$2,178$1,620$1,187$858$614$125
28 years$2,077$1,527$1,103$786$554$105
29 years$1,984$1,440$1,027$721$500$88
30 years$1,897$1,360$956$662$452$74
31 years$1,816$1,286$892$608$408$62
32 years$1,740$1,217$832$558$369$52
33 years$1,669$1,152$777$514$334$44
34 years$1,602$1,092$726$473$303$37
35 years$1,539$1,036$679$435$274$31
36 years$1,480$983$635$401$248$26
37 years$1,424$934$594$369$225$22
38 years$1,372$887$556$340$204$18
39 years$1,322$844$521$314$185$15
40 years$1,274$803$489$289$168$13
41 years$1,229$764$458$267$152$11
42 years$1,187$728$430$246$138$9
43 years$1,146$693$403$227$125$8
44 years$1,107$661$379$210$114$6
45 years$1,071$630$355$194$103$5
46 years$1,035$601$334$179$94$5
47 years$1,002$574$314$166$85$4
48 years$970$548$295$153$77$3
49 years$939$523$277$141$70$3
50 years$910$500$260$131$64$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $932,000, adding $6,079 every year, while hoping to spend $44,729 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: 73/7/20 Blend
34$932,000$932,000$932,000$932,000
35$1,033,334$983,938$969,492$1,103,391
36$1,091,143$984,560$954,379$1,151,373
37$1,153,349$983,713$937,260$1,197,942
38$1,220,354$981,278$918,022$1,247,820
39$1,292,599$977,129$896,544$1,301,328
40$1,370,567$971,131$872,701$1,358,821
41$1,454,790$963,142$846,362$1,420,688
42$1,545,854$953,012$817,390$1,487,361
43$1,644,400$940,579$785,642$1,559,315
44$1,751,136$925,674$750,968$1,637,076
45$1,866,837$908,117$713,211$1,721,222
46$1,992,358$887,719$672,207$1,812,393
47$2,128,638$864,276$627,786$1,911,294
48$2,276,710$837,577$579,767$2,018,704
49$2,437,711$807,394$527,965$2,135,483
50$2,612,889$773,488$472,184$2,262,577
51$2,803,622$735,607$412,221$2,401,034
52$3,011,422$693,483$347,861$2,552,006
53$3,237,956$646,832$278,883$2,716,768
54$3,485,056$595,355$205,054$2,896,725
55$3,754,740$538,736$126,132$3,093,426
56$4,049,230$476,641$41,864$3,308,582
57$4,370,970$408,715$0$3,544,080
58$4,722,653$334,585$0$3,812,256
59$5,107,241$253,858$0$4,115,352
60$5,527,998$166,115$0$4,447,018
61$5,988,516$70,917$0$4,810,110
62$6,492,752$0$0$5,207,778
63$7,045,062$0$0$5,645,971
64$7,650,244$0$0$6,132,139
65$8,313,583$0$0$6,665,069
66$9,040,897$0$0$7,249,444
67$9,838,595$0$0$7,890,417
68$10,713,739$0$0$8,593,668
69$11,674,102$0$0$9,365,451
70$12,728,251$0$0$10,212,656
71$13,885,620$0$0$11,142,871
72$15,156,601$0$0$12,164,457
73$16,552,644$0$0$13,286,623
74$18,086,361$0$0$14,519,513
75$19,771,645$0$0$15,874,304
76$21,623,803$0$0$17,363,309
77$23,659,698$0$0$19,000,091
78$25,897,908$0$0$20,799,596
79$28,358,900$0$0$22,778,287
80$31,065,224$0$0$24,954,305
81$34,041,726$0$0$27,347,634
82$37,315,778$0$0$29,980,294
83$40,917,540$0$0$32,876,547
84$44,880,242$0$0$36,063,122
85$49,240,496$0$0$39,569,473
86$54,038,644$0$0$43,428,052
87$59,319,135$0$0$47,674,613
88$65,130,945$0$0$52,348,557
89$71,528,040$0$0$57,493,293
90$78,569,881$0$0$63,156,655
91$86,321,988$0$0$69,391,351
92$94,856,557$0$0$76,255,456
93$104,253,137$0$0$83,812,965
94$114,599,388$0$0$92,134,392
95$125,991,897$0$0$101,297,439
96$138,537,099$0$0$111,387,725
97$152,352,273$0$0$122,499,595
98$167,566,653$0$0$134,737,011
99$184,322,645$0$0$148,214,531
100$202,777,170$0$0$163,058,390