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%16.6%
1 years$77,046$76,360$75,690$75,037$74,399$72,395
2 years$38,142$37,431$36,743$36,075$35,428$33,423
3 years$25,175$24,462$23,775$23,114$22,477$20,534
4 years$18,693$17,982$17,302$16,652$16,031$14,165
5 years$14,805$14,098$13,427$12,791$12,186$10,403
6 years$12,214$11,512$10,851$10,229$9,643$7,943
7 years$10,364$9,668$9,017$8,410$7,842$6,226
8 years$8,977$8,287$7,647$7,055$6,506$4,973
9 years$7,898$7,215$6,587$6,009$5,479$4,028
10 years$7,036$6,360$5,742$5,180$4,668$3,297
11 years$6,332$5,662$5,056$4,508$4,015$2,721
12 years$5,745$5,082$4,487$3,954$3,479$2,261
13 years$5,248$4,593$4,009$3,491$3,034$1,889
14 years$4,823$4,175$3,602$3,099$2,659$1,584
15 years$4,455$3,814$3,252$2,764$2,342$1,334
16 years$4,134$3,499$2,948$2,474$2,070$1,126
17 years$3,850$3,222$2,683$2,223$1,835$953
18 years$3,598$2,978$2,449$2,004$1,632$808
19 years$3,373$2,760$2,242$1,810$1,454$687
20 years$3,171$2,564$2,058$1,640$1,299$584
21 years$2,988$2,389$1,893$1,488$1,162$497
22 years$2,822$2,230$1,744$1,353$1,042$424
23 years$2,671$2,085$1,611$1,232$935$362
24 years$2,533$1,954$1,490$1,124$841$309
25 years$2,405$1,834$1,380$1,026$756$264
26 years$2,288$1,723$1,279$938$681$226
27 years$2,180$1,622$1,188$859$614$193
28 years$2,079$1,528$1,105$787$554$165
29 years$1,986$1,442$1,028$722$501$141
30 years$1,899$1,362$957$662$452$121
31 years$1,818$1,287$893$608$409$104
32 years$1,742$1,218$833$559$370$89
33 years$1,671$1,153$778$514$335$76
34 years$1,604$1,093$727$473$303$65
35 years$1,541$1,037$679$435$275$56
36 years$1,482$984$635$401$249$48
37 years$1,426$935$595$370$225$41
38 years$1,373$888$557$341$204$35
39 years$1,323$845$522$314$185$30
40 years$1,276$804$489$290$168$26
41 years$1,231$765$459$267$153$22
42 years$1,188$728$430$247$138$19
43 years$1,147$694$404$228$126$16
44 years$1,109$662$379$210$114$14
45 years$1,072$631$356$194$103$12
46 years$1,037$602$334$179$94$10
47 years$1,003$574$314$166$85$9
48 years$971$548$295$153$77$8
49 years$940$524$277$141$70$6
50 years$911$500$261$131$64$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $933,000, adding $4,999 every year, while hoping to spend $41,284 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: 71/8/21 Blend
34$933,000$933,000$933,000$933,000
35$1,033,322$983,873$969,412$1,101,025
36$1,094,796$988,157$957,961$1,151,090
37$1,161,155$991,268$944,744$1,200,518
38$1,232,856$993,103$929,656$1,253,617
39$1,310,399$993,556$912,590$1,310,745
40$1,394,332$992,513$893,434$1,372,297
41$1,485,259$989,852$872,071$1,438,712
42$1,583,846$985,445$848,375$1,510,470
43$1,690,822$979,155$822,219$1,588,104
44$1,806,990$970,838$793,468$1,672,202
45$1,933,235$960,341$761,980$1,763,411
46$2,070,526$947,499$727,609$1,862,446
47$2,219,935$932,142$690,199$1,970,096
48$2,382,638$914,086$649,589$2,087,231
49$2,559,928$893,137$605,612$2,214,811
50$2,753,232$869,092$558,091$2,353,896
51$2,964,116$841,732$506,841$2,505,656
52$3,194,307$810,828$451,672$2,671,378
53$3,445,705$776,137$392,382$2,852,487
54$3,720,401$737,403$328,761$3,050,552
55$4,020,699$694,352$260,591$3,267,304
56$4,349,132$646,697$187,643$3,504,654
57$4,708,493$594,134$109,678$3,764,707
58$5,101,854$536,342$26,447$4,049,788
59$5,532,601$472,981$0$4,362,461
60$6,004,460$403,691$0$4,719,529
61$6,521,537$328,093$0$5,117,366
62$7,088,350$245,787$0$5,553,544
63$7,709,880$156,348$0$6,031,921
64$8,391,609$59,330$0$6,556,750
65$9,139,577$0$0$7,132,717
66$9,960,436$0$0$7,769,011
67$10,861,515$0$0$8,473,270
68$11,850,885$0$0$9,246,585
69$12,937,437$0$0$10,095,913
70$14,130,968$0$0$11,028,918
71$15,442,267$0$0$12,054,040
72$16,883,221$0$0$13,180,580
73$18,466,927$0$0$14,418,784
74$20,207,812$0$0$15,779,938
75$22,121,771$0$0$17,276,480
76$24,226,315$0$0$18,922,108
77$26,540,739$0$0$20,731,919
78$29,086,299$0$0$22,722,542
79$31,886,417$0$0$24,912,303
80$34,966,895$0$0$27,321,388
81$38,356,167$0$0$29,972,044
82$42,085,557$0$0$32,888,778
83$46,189,583$0$0$36,098,596
84$50,706,276$0$0$39,631,253
85$55,677,539$0$0$43,519,535
86$61,149,548$0$0$47,799,568
87$67,173,177$0$0$52,511,157
88$73,804,487$0$0$57,698,162
89$81,105,250$0$0$63,408,915
90$89,143,531$0$0$69,696,669
91$97,994,331$0$0$76,620,105
92$107,740,295$0$0$84,243,885
93$118,472,489$0$0$92,639,258
94$130,291,262$0$0$101,884,739
95$143,307,189$0$0$112,066,841
96$157,642,116$0$0$123,280,898
97$173,430,310$0$0$135,631,961
98$190,819,723$0$0$149,235,790
99$209,973,392$0$0$164,219,944
100$231,070,972$0$0$180,724,988