Can I retire at age 35 with 934,000?

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 $934,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$77,129$76,442$75,772$75,117$74,478$72,678
2 years$38,183$37,471$36,782$36,114$35,466$33,663
3 years$25,202$24,488$23,801$23,139$22,501$20,752
4 years$18,713$18,001$17,321$16,670$16,048$14,366
5 years$14,821$14,113$13,442$12,804$12,199$10,589
6 years$12,227$11,525$10,863$10,240$9,653$8,116
7 years$10,375$9,678$9,027$8,419$7,850$6,387
8 years$8,986$8,296$7,656$7,062$6,513$5,123
9 years$7,907$7,223$6,594$6,015$5,485$4,166
10 years$7,044$6,367$5,749$5,185$4,673$3,425
11 years$6,338$5,668$5,061$4,513$4,019$2,840
12 years$5,751$5,087$4,492$3,958$3,483$2,370
13 years$5,254$4,597$4,013$3,495$3,037$1,989
14 years$4,828$4,179$3,606$3,102$2,662$1,677
15 years$4,460$3,818$3,255$2,767$2,344$1,419
16 years$4,138$3,503$2,951$2,477$2,072$1,204
17 years$3,854$3,226$2,686$2,226$1,837$1,024
18 years$3,602$2,981$2,452$2,006$1,633$873
19 years$3,377$2,763$2,244$1,812$1,456$745
20 years$3,174$2,567$2,060$1,641$1,300$637
21 years$2,991$2,391$1,895$1,490$1,164$546
22 years$2,825$2,232$1,746$1,355$1,043$468
23 years$2,674$2,088$1,612$1,234$936$402
24 years$2,535$1,956$1,491$1,125$842$345
25 years$2,408$1,836$1,381$1,028$757$296
26 years$2,291$1,725$1,281$940$682$255
27 years$2,182$1,624$1,189$860$615$219
28 years$2,082$1,530$1,106$788$555$189
29 years$1,988$1,443$1,029$723$501$162
30 years$1,901$1,363$958$663$453$140
31 years$1,820$1,288$894$609$409$120
32 years$1,744$1,219$834$560$370$104
33 years$1,673$1,155$778$515$335$89
34 years$1,606$1,094$727$474$303$77
35 years$1,543$1,038$680$436$275$66
36 years$1,483$985$636$401$249$57
37 years$1,427$936$595$370$226$49
38 years$1,374$889$558$341$205$43
39 years$1,324$846$522$314$186$37
40 years$1,277$804$490$290$168$32
41 years$1,232$766$459$268$153$27
42 years$1,189$729$431$247$139$24
43 years$1,148$695$404$228$126$20
44 years$1,110$662$379$210$114$18
45 years$1,073$632$356$194$104$15
46 years$1,038$603$335$180$94$13
47 years$1,004$575$314$166$85$11
48 years$972$549$295$153$78$10
49 years$941$524$278$142$70$8
50 years$912$501$261$131$64$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $934,000, adding $5,187 every year, while hoping to spend $44,680 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: 32/39/29 Blend
34$934,000$934,000$934,000$934,000
35$1,034,618$985,116$970,639$1,058,455
36$1,092,610$985,848$955,617$1,077,953
37$1,155,020$985,118$938,593$1,094,652
38$1,222,251$982,807$919,455$1,111,774
39$1,294,746$978,790$898,082$1,129,387
40$1,372,991$972,933$874,349$1,147,572
41$1,457,523$965,093$848,127$1,166,419
42$1,548,928$955,121$819,277$1,186,033
43$1,647,853$942,856$787,657$1,206,534
44$1,755,008$928,129$753,117$1,228,058
45$1,871,173$910,762$715,501$1,250,762
46$1,997,208$890,564$674,645$1,274,820
47$2,134,056$867,335$630,378$1,300,432
48$2,282,756$840,860$582,522$1,327,826
49$2,444,451$810,916$530,891$1,357,254
50$2,620,397$777,264$475,288$1,389,005
51$2,811,979$739,651$415,511$1,423,403
52$3,020,717$697,810$351,348$1,460,810
53$3,248,287$651,460$282,575$1,501,637
54$3,496,532$600,301$208,961$1,546,342
55$3,767,481$544,019$130,263$1,595,437
56$4,063,368$482,279$46,231$1,649,500
57$4,386,650$414,729$0$1,709,174
58$4,740,035$340,997$0$1,788,623
59$5,126,502$260,690$0$1,891,347
60$5,549,333$173,392$0$2,004,011
61$6,012,141$78,664$0$2,127,710
62$6,518,903$0$0$2,263,657
63$7,074,002$0$0$2,423,476
64$7,682,260$0$0$2,635,733
65$8,348,992$0$0$2,868,539
66$9,080,050$0$0$3,123,957
67$9,881,879$0$0$3,404,256
68$10,761,578$0$0$3,711,937
69$11,726,966$0$0$4,049,756
70$12,786,657$0$0$4,420,748
71$13,950,137$0$0$4,828,255
72$15,227,859$0$0$5,275,960
73$16,631,334$0$0$5,767,921
74$18,173,247$0$0$6,308,607
75$19,867,568$0$0$6,902,943
76$21,729,691$0$0$7,556,352
77$23,776,572$0$0$8,274,812
78$26,026,895$0$0$9,064,909
79$28,501,241$0$0$9,933,896
80$31,222,289$0$0$10,889,768
81$34,215,022$0$0$11,941,330
82$37,506,967$0$0$13,098,288
83$41,128,454$0$0$14,371,332
84$45,112,900$0$0$15,772,243
85$49,497,124$0$0$17,313,999
86$54,321,693$0$0$19,010,905
87$59,631,309$0$0$20,878,717
88$65,475,223$0$0$22,934,800
89$71,907,703$0$0$25,198,287
90$78,988,548$0$0$27,690,260
91$86,783,647$0$0$30,433,949
92$95,365,601$0$0$33,454,952
93$104,814,410$0$0$36,781,475
94$115,218,225$0$0$40,444,598
95$126,674,180$0$0$44,478,568
96$139,289,310$0$0$48,921,125
97$153,181,555$0$0$53,813,854
98$168,480,879$0$0$59,202,579
99$185,330,490$0$0$65,137,794
100$203,888,194$0$0$71,675,143