Can I retire at age 35 with 932,000?

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 $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%13.6%
1 years$76,964$76,278$75,609$74,956$74,319$73,208
2 years$38,101$37,391$36,704$36,037$35,390$34,274
3 years$25,148$24,436$23,750$23,089$22,453$21,365
4 years$18,673$17,963$17,284$16,634$16,014$14,963
5 years$14,789$14,083$13,413$12,777$12,173$11,163
6 years$12,201$11,500$10,840$10,218$9,632$8,664
7 years$10,353$9,658$9,008$8,401$7,834$6,907
8 years$8,967$8,278$7,639$7,047$6,499$5,614
9 years$7,890$7,208$6,580$6,002$5,473$4,629
10 years$7,029$6,353$5,736$5,174$4,663$3,860
11 years$6,325$5,656$5,050$4,503$4,010$3,247
12 years$5,738$5,076$4,482$3,950$3,475$2,751
13 years$5,243$4,588$4,004$3,487$3,031$2,344
14 years$4,818$4,170$3,598$3,095$2,657$2,007
15 years$4,450$3,809$3,248$2,761$2,339$1,725
16 years$4,129$3,495$2,945$2,472$2,067$1,488
17 years$3,846$3,219$2,680$2,221$1,833$1,287
18 years$3,594$2,974$2,446$2,001$1,630$1,115
19 years$3,370$2,757$2,240$1,809$1,453$969
20 years$3,168$2,562$2,055$1,638$1,298$843
21 years$2,985$2,386$1,891$1,487$1,161$735
22 years$2,819$2,227$1,742$1,352$1,041$641
23 years$2,668$2,083$1,609$1,231$934$560
24 years$2,530$1,952$1,488$1,123$840$490
25 years$2,403$1,832$1,378$1,025$756$428
26 years$2,286$1,721$1,278$937$681$375
27 years$2,178$1,620$1,187$858$614$329
28 years$2,077$1,527$1,103$786$554$288
29 years$1,984$1,440$1,027$721$500$253
30 years$1,897$1,360$956$662$452$222
31 years$1,816$1,286$892$608$408$195
32 years$1,740$1,217$832$558$369$171
33 years$1,669$1,152$777$514$334$150
34 years$1,602$1,092$726$473$303$132
35 years$1,539$1,036$679$435$274$116
36 years$1,480$983$635$401$248$102
37 years$1,424$934$594$369$225$90
38 years$1,372$887$556$340$204$79
39 years$1,322$844$521$314$185$69
40 years$1,274$803$489$289$168$61
41 years$1,229$764$458$267$152$54
42 years$1,187$728$430$246$138$47
43 years$1,146$693$403$227$125$42
44 years$1,107$661$379$210$114$37
45 years$1,071$630$355$194$103$32
46 years$1,035$601$334$179$94$28
47 years$1,002$574$314$166$85$25
48 years$970$548$295$153$77$22
49 years$939$523$277$141$70$19
50 years$910$500$260$131$64$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $932,000, adding $6,785 every year, while hoping to spend $39,839 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: 57/20/23 Blend
34$932,000$932,000$932,000$932,000
35$1,034,063$984,667$970,221$1,086,216
36$1,097,149$990,527$960,335$1,128,458
37$1,165,334$995,339$948,782$1,169,653
38$1,239,097$999,010$935,466$1,213,695
39$1,318,964$1,001,440$920,282$1,260,871
40$1,405,511$1,002,523$903,125$1,311,494
41$1,499,375$1,002,148$883,881$1,365,915
42$1,601,253$1,000,196$862,433$1,424,519
43$1,711,915$996,539$838,658$1,487,733
44$1,832,205$991,045$812,428$1,556,030
45$1,963,053$983,569$783,608$1,629,932
46$2,105,483$973,963$752,057$1,710,016
47$2,260,620$962,065$717,629$1,796,921
48$2,429,703$947,705$680,169$1,891,354
49$2,614,095$930,705$639,517$1,994,095
50$2,815,297$910,874$595,505$2,106,007
51$3,034,960$888,010$547,958$2,228,042
52$3,274,903$861,899$496,691$2,361,256
53$3,537,127$832,316$441,513$2,506,813
54$3,823,835$799,020$382,226$2,665,999
55$4,137,454$761,760$318,618$2,840,235
56$4,480,655$720,267$250,473$3,031,092
57$4,856,380$674,259$177,561$3,240,303
58$5,267,868$623,434$99,647$3,469,785
59$5,718,686$567,478$16,480$3,721,653
60$6,212,762$506,055$0$3,998,243
61$6,754,424$438,811$0$4,319,870
62$7,348,436$365,374$0$4,677,116
63$8,000,046$285,347$0$5,069,144
64$8,715,036$198,314$0$5,499,498
65$9,499,772$103,834$0$5,972,085
66$10,361,270$1,443$0$6,491,213
67$11,307,255$0$0$7,061,631
68$12,346,238$0$0$7,712,641
69$13,487,595$0$0$8,428,234
70$14,741,655$0$0$9,214,577
71$16,119,796$0$0$10,078,818
72$17,634,555$0$0$11,028,828
73$19,299,740$0$0$12,073,281
74$21,130,568$0$0$13,221,733
75$23,143,801$0$0$14,484,712
76$25,357,909$0$0$15,873,817
77$27,793,238$0$0$17,401,828
78$30,472,210$0$0$19,082,826
79$33,419,524$0$0$20,932,326
80$36,662,398$0$0$22,967,420
81$40,230,818$0$0$25,206,944
82$44,157,826$0$0$27,671,651
83$48,479,828$0$0$30,384,405
84$53,236,939$0$0$33,370,403
85$58,473,358$0$0$36,657,407
86$64,237,788$0$0$40,276,007
87$70,583,895$0$0$44,259,910
88$77,570,811$0$0$48,646,257
89$85,263,695$0$0$53,475,974
90$93,734,343$0$0$58,794,158
91$103,061,871$0$0$64,650,501
92$113,333,456$0$0$71,099,760
93$124,645,159$0$0$78,202,274
94$137,102,834$0$0$86,024,529
95$150,823,124$0$0$94,639,792
96$165,934,561$0$0$104,128,795
97$182,578,780$0$0$114,580,503
98$200,911,855$0$0$126,092,948
99$221,105,769$0$0$138,774,157
100$243,350,042$0$0$152,743,170