Can I retire at age 35 with 935,000?

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 $935,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$77,211$76,524$75,853$75,198$74,558$73,414
2 years$38,223$37,512$36,822$36,153$35,504$34,354
3 years$25,229$24,514$23,826$23,163$22,525$21,405
4 years$18,733$18,021$17,339$16,688$16,065$14,983
5 years$14,837$14,128$13,456$12,818$12,212$11,173
6 years$12,240$11,537$10,874$10,251$9,663$8,666
7 years$10,386$9,689$9,037$8,428$7,859$6,905
8 years$8,996$8,305$7,664$7,070$6,520$5,609
9 years$7,915$7,231$6,601$6,022$5,491$4,623
10 years$7,051$6,374$5,755$5,191$4,678$3,852
11 years$6,345$5,674$5,066$4,518$4,023$3,239
12 years$5,757$5,093$4,496$3,963$3,487$2,742
13 years$5,260$4,602$4,017$3,498$3,040$2,335
14 years$4,834$4,183$3,609$3,105$2,665$1,998
15 years$4,465$3,822$3,259$2,769$2,347$1,716
16 years$4,142$3,506$2,955$2,480$2,074$1,479
17 years$3,858$3,229$2,689$2,228$1,839$1,278
18 years$3,606$2,984$2,454$2,008$1,635$1,107
19 years$3,380$2,765$2,247$1,814$1,457$961
20 years$3,178$2,570$2,062$1,643$1,302$835
21 years$2,995$2,394$1,897$1,491$1,165$728
22 years$2,828$2,234$1,748$1,356$1,044$634
23 years$2,677$2,090$1,614$1,235$937$554
24 years$2,538$1,958$1,493$1,126$842$484
25 years$2,411$1,837$1,383$1,029$758$423
26 years$2,293$1,727$1,282$941$683$370
27 years$2,185$1,625$1,191$861$616$324
28 years$2,084$1,531$1,107$789$556$284
29 years$1,990$1,445$1,030$723$502$249
30 years$1,903$1,364$959$664$453$218
31 years$1,822$1,290$894$610$410$191
32 years$1,746$1,220$835$560$371$168
33 years$1,674$1,156$779$515$335$147
34 years$1,607$1,095$728$474$304$129
35 years$1,544$1,039$681$436$275$114
36 years$1,485$986$637$402$249$100
37 years$1,429$937$596$370$226$88
38 years$1,376$890$558$341$205$77
39 years$1,326$846$523$315$186$68
40 years$1,278$805$490$290$168$60
41 years$1,233$767$460$268$153$52
42 years$1,190$730$431$247$139$46
43 years$1,150$696$405$228$126$40
44 years$1,111$663$380$211$114$36
45 years$1,074$632$357$195$104$31
46 years$1,039$603$335$180$94$27
47 years$1,005$576$315$166$86$24
48 years$973$549$296$153$78$21
49 years$942$525$278$142$71$19
50 years$913$501$261$131$64$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $935,000, adding $4,989 every year, while hoping to spend $47,021 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: 41/46/13 Blend
34$935,000$935,000$935,000$935,000
35$1,035,516$985,961$971,469$1,073,801
36$1,091,109$984,243$953,983$1,099,532
37$1,150,796$980,865$934,335$1,122,338
38$1,214,946$975,696$912,404$1,145,993
39$1,283,962$968,597$888,061$1,170,595
40$1,358,288$959,420$861,173$1,196,255
41$1,438,411$948,010$831,601$1,223,100
42$1,524,867$934,200$799,197$1,251,271
43$1,618,243$917,815$763,810$1,280,930
44$1,719,185$898,670$725,279$1,312,257
45$1,828,404$876,566$683,437$1,345,455
46$1,946,679$851,296$638,111$1,380,754
47$2,074,870$822,639$589,117$1,418,410
48$2,213,919$790,361$536,265$1,458,711
49$2,364,865$754,215$479,356$1,501,981
50$2,528,849$713,939$418,182$1,548,580
51$2,707,126$669,257$352,525$1,598,914
52$2,901,078$619,875$282,160$1,653,436
53$3,112,225$565,486$206,850$1,712,651
54$3,342,239$505,762$126,346$1,777,124
55$3,592,960$440,357$40,391$1,847,485
56$3,866,413$368,906$0$1,924,437
57$4,164,829$291,024$0$2,015,885
58$4,490,660$206,302$0$2,122,022
59$4,846,608$114,312$0$2,238,253
60$5,235,646$14,598$0$2,365,701
61$5,661,049$0$0$2,505,614
62$6,126,422$0$0$2,706,614
63$6,635,732$0$0$2,934,795
64$7,193,352$0$0$3,184,743
65$7,804,092$0$0$3,458,629
66$8,473,255$0$0$3,758,847
67$9,206,676$0$0$4,088,031
68$10,010,784$0$0$4,449,083
69$10,892,660$0$0$4,845,202
70$11,860,102$0$0$5,279,907
71$12,921,698$0$0$5,757,078
72$14,086,912$0$0$6,280,987
73$15,366,164$0$0$6,856,340
74$16,770,935$0$0$7,488,322
75$18,313,871$0$0$8,182,644
76$20,008,904$0$0$8,945,598
77$21,871,382$0$0$9,784,116
78$23,918,212$0$0$10,705,834
79$26,168,021$0$0$11,719,164
80$28,641,331$0$0$12,833,377
81$31,360,749$0$0$14,058,683
82$34,351,185$0$0$15,406,334
83$37,640,083$0$0$16,888,725
84$41,257,677$0$0$18,519,516
85$45,237,283$0$0$20,313,753
86$49,615,606$0$0$22,288,018
87$54,433,087$0$0$24,460,579
88$59,734,287$0$0$26,851,566
89$65,568,303$0$0$29,483,158
90$71,989,235$0$0$32,379,793
91$79,056,690$0$0$35,568,399
92$86,836,348$0$0$39,078,648
93$95,400,582$0$0$42,943,234
94$104,829,136$0$0$47,198,183
95$115,209,880$0$0$51,883,190
96$126,639,638$0$0$57,041,999
97$139,225,098$0$0$62,722,807
98$153,083,824$0$0$68,978,728
99$168,345,361$0$0$75,868,286
100$185,152,453$0$0$83,455,971