Can I retire at age 35 with 933,000?

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 $933,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$77,046$76,360$75,690$75,037$74,399$73,469
2 years$38,142$37,431$36,743$36,075$35,428$34,493
3 years$25,175$24,462$23,775$23,114$22,477$21,565
4 years$18,693$17,982$17,302$16,652$16,031$15,149
5 years$14,805$14,098$13,427$12,791$12,186$11,337
6 years$12,214$11,512$10,851$10,229$9,643$8,828
7 years$10,364$9,668$9,017$8,410$7,842$7,061
8 years$8,977$8,287$7,647$7,055$6,506$5,759
9 years$7,898$7,215$6,587$6,009$5,479$4,766
10 years$7,036$6,360$5,742$5,180$4,668$3,989
11 years$6,332$5,662$5,056$4,508$4,015$3,368
12 years$5,745$5,082$4,487$3,954$3,479$2,864
13 years$5,248$4,593$4,009$3,491$3,034$2,450
14 years$4,823$4,175$3,602$3,099$2,659$2,106
15 years$4,455$3,814$3,252$2,764$2,342$1,818
16 years$4,134$3,499$2,948$2,474$2,070$1,574
17 years$3,850$3,222$2,683$2,223$1,835$1,367
18 years$3,598$2,978$2,449$2,004$1,632$1,190
19 years$3,373$2,760$2,242$1,810$1,454$1,038
20 years$3,171$2,564$2,058$1,640$1,299$908
21 years$2,988$2,389$1,893$1,488$1,162$795
22 years$2,822$2,230$1,744$1,353$1,042$696
23 years$2,671$2,085$1,611$1,232$935$611
24 years$2,533$1,954$1,490$1,124$841$537
25 years$2,405$1,834$1,380$1,026$756$472
26 years$2,288$1,723$1,279$938$681$415
27 years$2,180$1,622$1,188$859$614$366
28 years$2,079$1,528$1,105$787$554$322
29 years$1,986$1,442$1,028$722$501$284
30 years$1,899$1,362$957$662$452$251
31 years$1,818$1,287$893$608$409$221
32 years$1,742$1,218$833$559$370$195
33 years$1,671$1,153$778$514$335$172
34 years$1,604$1,093$727$473$303$152
35 years$1,541$1,037$679$435$275$134
36 years$1,482$984$635$401$249$119
37 years$1,426$935$595$370$225$105
38 years$1,373$888$557$341$204$93
39 years$1,323$845$522$314$185$82
40 years$1,276$804$489$290$168$72
41 years$1,231$765$459$267$153$64
42 years$1,188$728$430$247$138$57
43 years$1,147$694$404$228$126$50
44 years$1,109$662$379$210$114$44
45 years$1,072$631$356$194$103$39
46 years$1,037$602$334$179$94$35
47 years$1,003$574$314$166$85$31
48 years$971$548$295$153$77$27
49 years$940$524$277$141$70$24
50 years$911$500$261$131$64$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $933,000, adding $5,740 every year, while hoping to spend $47,185 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: 42/39/19 Blend
34$933,000$933,000$933,000$933,000
35$1,034,087$984,638$970,176$1,071,546
36$1,089,359$982,681$952,473$1,096,685
37$1,148,688$979,046$932,595$1,118,863
38$1,212,437$973,602$910,419$1,141,898
39$1,281,006$966,209$885,819$1,165,894
40$1,354,833$956,718$858,658$1,190,967
41$1,434,400$944,971$828,797$1,217,247
42$1,520,236$930,802$796,090$1,244,882
43$1,612,923$914,034$760,381$1,274,039
44$1,713,099$894,479$721,512$1,304,906
45$1,821,466$871,940$679,313$1,337,694
46$1,938,796$846,205$633,611$1,372,639
47$2,065,937$817,053$584,221$1,410,007
48$2,203,822$784,248$530,951$1,450,097
49$2,353,477$747,541$473,603$1,493,242
50$2,516,029$706,669$411,967$1,539,815
51$2,692,721$661,353$345,825$1,590,234
52$2,884,918$611,298$274,949$1,644,967
53$3,094,120$556,193$199,101$1,704,534
54$3,321,983$495,708$118,032$1,769,517
55$3,570,323$429,496$31,485$1,840,564
56$3,841,143$357,188$0$1,918,400
57$4,136,646$278,397$0$2,016,170
58$4,459,258$192,712$0$2,130,044
59$4,811,647$99,699$0$2,254,691
60$5,196,752$0$0$2,391,283
61$5,617,809$0$0$2,541,590
62$6,078,380$0$0$2,752,916
63$6,582,387$0$0$2,984,288
64$7,134,149$0$0$3,237,703
65$7,738,422$0$0$3,515,360
66$8,400,444$0$0$3,819,682
67$9,125,982$0$0$4,153,336
68$9,921,389$0$0$4,519,261
69$10,793,660$0$0$4,920,691
70$11,750,503$0$0$5,361,192
71$12,800,404$0$0$5,844,690
72$13,952,712$0$0$6,375,509
73$15,217,726$0$0$6,958,414
74$16,606,790$0$0$7,598,652
75$18,132,398$0$0$8,302,004
76$19,808,318$0$0$9,074,839
77$21,649,714$0$0$9,924,174
78$23,673,292$0$0$10,857,737
79$25,897,457$0$0$11,884,044
80$28,342,486$0$0$13,012,478
81$31,030,717$0$0$14,253,374
82$33,986,764$0$0$15,618,120
83$37,237,740$0$0$17,119,265
84$40,813,523$0$0$18,770,631
85$44,747,027$0$0$20,587,450
86$49,074,521$0$0$22,586,504
87$53,835,963$0$0$24,786,284
88$59,075,381$0$0$27,207,165
89$64,841,286$0$0$29,871,595
90$71,187,130$0$0$32,804,310
91$78,171,810$0$0$36,032,565
92$85,860,220$0$0$39,586,392
93$94,323,867$0$0$43,498,882
94$103,641,541$0$0$47,806,498
95$113,900,063$0$0$52,549,420
96$125,195,097$0$0$57,771,918
97$137,632,057$0$0$63,522,780
98$151,327,100$0$0$69,855,760
99$166,408,219$0$0$76,830,094
100$183,016,453$0$0$84,511,055