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%11.6%
1 years$76,964$76,278$75,609$74,956$74,319$73,820
2 years$38,101$37,391$36,704$36,037$35,390$34,886
3 years$25,148$24,436$23,750$23,089$22,453$21,961
4 years$18,673$17,963$17,284$16,634$16,014$15,536
5 years$14,789$14,083$13,413$12,777$12,173$11,713
6 years$12,201$11,500$10,840$10,218$9,632$9,189
7 years$10,353$9,658$9,008$8,401$7,834$7,407
8 years$8,967$8,278$7,639$7,047$6,499$6,090
9 years$7,890$7,208$6,580$6,002$5,473$5,081
10 years$7,029$6,353$5,736$5,174$4,663$4,289
11 years$6,325$5,656$5,050$4,503$4,010$3,653
12 years$5,738$5,076$4,482$3,950$3,475$3,134
13 years$5,243$4,588$4,004$3,487$3,031$2,705
14 years$4,818$4,170$3,598$3,095$2,657$2,347
15 years$4,450$3,809$3,248$2,761$2,339$2,045
16 years$4,129$3,495$2,945$2,472$2,067$1,788
17 years$3,846$3,219$2,680$2,221$1,833$1,568
18 years$3,594$2,974$2,446$2,001$1,630$1,379
19 years$3,370$2,757$2,240$1,809$1,453$1,215
20 years$3,168$2,562$2,055$1,638$1,298$1,073
21 years$2,985$2,386$1,891$1,487$1,161$949
22 years$2,819$2,227$1,742$1,352$1,041$841
23 years$2,668$2,083$1,609$1,231$934$746
24 years$2,530$1,952$1,488$1,123$840$662
25 years$2,403$1,832$1,378$1,025$756$589
26 years$2,286$1,721$1,278$937$681$524
27 years$2,178$1,620$1,187$858$614$466
28 years$2,077$1,527$1,103$786$554$416
29 years$1,984$1,440$1,027$721$500$370
30 years$1,897$1,360$956$662$452$330
31 years$1,816$1,286$892$608$408$295
32 years$1,740$1,217$832$558$369$263
33 years$1,669$1,152$777$514$334$235
34 years$1,602$1,092$726$473$303$210
35 years$1,539$1,036$679$435$274$188
36 years$1,480$983$635$401$248$168
37 years$1,424$934$594$369$225$150
38 years$1,372$887$556$340$204$134
39 years$1,322$844$521$314$185$120
40 years$1,274$803$489$289$168$108
41 years$1,229$764$458$267$152$96
42 years$1,187$728$430$246$138$86
43 years$1,146$693$403$227$125$77
44 years$1,107$661$379$210$114$69
45 years$1,071$630$355$194$103$62
46 years$1,035$601$334$179$94$55
47 years$1,002$574$314$166$85$50
48 years$970$548$295$153$77$44
49 years$939$523$277$141$70$40
50 years$910$500$260$131$64$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $932,000, adding $5,482 every year, while hoping to spend $26,377 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: 81/8/11 Blend
34$932,000$932,000$932,000$932,000
35$1,032,719$983,323$968,877$1,113,982
36$1,109,991$1,003,441$973,269$1,188,187
37$1,194,261$1,023,660$976,925$1,265,601
38$1,286,215$1,043,959$979,791$1,349,792
39$1,386,607$1,064,311$981,812$1,441,427
40$1,496,270$1,084,691$982,931$1,541,239
41$1,616,117$1,105,068$983,087$1,650,034
42$1,747,156$1,125,411$982,215$1,768,704
43$1,890,496$1,145,687$980,250$1,898,226
44$2,047,358$1,165,857$977,120$2,039,681
45$2,219,088$1,185,883$972,753$2,194,256
46$2,407,165$1,205,722$967,070$2,363,262
47$2,613,220$1,225,327$959,992$2,548,140
48$2,839,050$1,244,649$951,433$2,750,481
49$3,086,632$1,263,636$941,304$2,972,035
50$3,358,144$1,282,229$929,513$3,214,732
51$3,655,985$1,300,369$915,963$3,480,696
52$3,982,799$1,317,991$900,551$3,772,270
53$4,341,495$1,335,023$883,170$4,092,034
54$4,735,281$1,351,393$863,710$4,442,832
55$5,167,688$1,367,019$842,052$4,827,795
56$5,642,607$1,381,818$818,076$5,250,377
57$6,164,324$1,395,698$791,652$5,714,381
58$6,737,560$1,408,562$762,648$6,223,999
59$7,367,517$1,420,308$730,923$6,783,848
60$8,059,926$1,430,825$696,331$7,399,019
61$8,821,100$1,439,996$658,719$8,075,119
62$9,657,993$1,447,698$617,927$8,818,329
63$10,578,270$1,453,796$573,789$9,635,459
64$11,590,373$1,458,151$526,130$10,534,014
65$12,703,603$1,460,613$474,768$11,522,263
66$13,928,210$1,461,022$419,512$12,609,320
67$15,275,485$1,459,210$360,163$13,805,228
68$16,757,869$1,454,997$296,514$15,121,053
69$18,389,073$1,448,192$228,348$16,568,992
70$20,184,198$1,438,594$155,438$18,162,485
71$22,159,889$1,425,988$77,548$19,916,343
72$24,334,483$1,410,146$0$21,846,886
73$26,728,185$1,390,828$0$23,972,757
74$29,363,260$1,367,779$0$26,322,878
75$32,264,240$1,340,727$0$28,910,013
76$35,458,157$1,309,387$0$31,758,267
77$38,974,796$1,273,454$0$34,894,202
78$42,846,979$1,232,608$0$38,347,089
79$47,110,873$1,186,508$0$42,149,181
80$51,806,330$1,134,794$0$46,336,021
81$56,977,263$1,077,086$0$50,946,775
82$62,672,061$1,012,981$0$56,024,603
83$68,944,047$942,053$0$61,617,064
84$75,851,978$863,852$0$67,776,570
85$83,460,601$777,901$0$74,560,874
86$91,841,262$683,699$0$82,033,619
87$101,072,583$580,712$0$90,264,940
88$111,241,199$468,379$0$99,332,123
89$122,442,579$346,107$0$109,320,333
90$134,781,925$213,270$0$120,323,426
91$148,375,167$69,205$0$132,444,824
92$163,350,051$0$0$145,798,500
93$179,847,353$0$0$160,517,691
94$198,022,201$0$0$176,740,368
95$218,045,542$0$0$194,613,028
96$240,105,754$0$0$214,303,823
97$264,410,423$0$0$235,998,046
98$291,188,306$0$0$259,899,891
99$320,691,486$0$0$286,234,370
100$353,197,752$0$0$315,249,443