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%15.7%
1 years$77,211$76,524$75,853$75,198$74,558$72,815
2 years$38,223$37,512$36,822$36,153$35,504$33,758
3 years$25,229$24,514$23,826$23,163$22,525$20,830
4 years$18,733$18,021$17,339$16,688$16,065$14,435
5 years$14,837$14,128$13,456$12,818$12,212$10,651
6 years$12,240$11,537$10,874$10,251$9,663$8,172
7 years$10,386$9,689$9,037$8,428$7,859$6,439
8 years$8,996$8,305$7,664$7,070$6,520$5,170
9 years$7,915$7,231$6,601$6,022$5,491$4,210
10 years$7,051$6,374$5,755$5,191$4,678$3,466
11 years$6,345$5,674$5,066$4,518$4,023$2,877
12 years$5,757$5,093$4,496$3,963$3,487$2,404
13 years$5,260$4,602$4,017$3,498$3,040$2,021
14 years$4,834$4,183$3,609$3,105$2,665$1,705
15 years$4,465$3,822$3,259$2,769$2,347$1,445
16 years$4,142$3,506$2,955$2,480$2,074$1,228
17 years$3,858$3,229$2,689$2,228$1,839$1,046
18 years$3,606$2,984$2,454$2,008$1,635$893
19 years$3,380$2,765$2,247$1,814$1,457$764
20 years$3,178$2,570$2,062$1,643$1,302$654
21 years$2,995$2,394$1,897$1,491$1,165$561
22 years$2,828$2,234$1,748$1,356$1,044$482
23 years$2,677$2,090$1,614$1,235$937$414
24 years$2,538$1,958$1,493$1,126$842$356
25 years$2,411$1,837$1,383$1,029$758$306
26 years$2,293$1,727$1,282$941$683$264
27 years$2,185$1,625$1,191$861$616$227
28 years$2,084$1,531$1,107$789$556$196
29 years$1,990$1,445$1,030$723$502$169
30 years$1,903$1,364$959$664$453$146
31 years$1,822$1,290$894$610$410$126
32 years$1,746$1,220$835$560$371$109
33 years$1,674$1,156$779$515$335$94
34 years$1,607$1,095$728$474$304$81
35 years$1,544$1,039$681$436$275$70
36 years$1,485$986$637$402$249$60
37 years$1,429$937$596$370$226$52
38 years$1,376$890$558$341$205$45
39 years$1,326$846$523$315$186$39
40 years$1,278$805$490$290$168$34
41 years$1,233$767$460$268$153$29
42 years$1,190$730$431$247$139$25
43 years$1,150$696$405$228$126$22
44 years$1,111$663$380$211$114$19
45 years$1,074$632$357$195$104$16
46 years$1,039$603$335$180$94$14
47 years$1,005$576$315$166$86$12
48 years$973$549$296$153$78$10
49 years$942$525$278$142$71$9
50 years$913$501$261$131$64$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $935,000, adding $6,117 every year, while hoping to spend $42,499 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: 66/15/19 Blend
34$935,000$935,000$935,000$935,000
35$1,036,680$987,125$972,632$1,099,802
36$1,097,202$990,275$959,997$1,146,011
37$1,162,474$992,156$945,514$1,191,052
38$1,232,934$992,659$929,076$1,239,269
39$1,309,066$991,672$910,572$1,290,975
40$1,391,399$989,072$889,886$1,346,514
41$1,480,518$984,733$866,893$1,406,265
42$1,577,064$978,518$841,467$1,470,649
43$1,681,742$970,283$813,474$1,540,129
44$1,795,328$959,875$782,773$1,615,219
45$1,918,673$947,131$749,218$1,696,485
46$2,052,717$931,879$712,656$1,784,551
47$2,198,491$913,938$672,926$1,880,108
48$2,357,131$893,115$629,863$1,983,919
49$2,529,885$869,204$583,290$2,096,827
50$2,718,128$841,990$533,025$2,219,760
51$2,923,373$811,244$478,878$2,353,747
52$3,147,285$776,723$420,648$2,499,920
53$3,391,697$738,170$358,128$2,659,532
54$3,658,625$695,316$291,101$2,833,965
55$3,950,291$647,872$219,339$3,024,744
56$4,269,139$595,536$142,605$3,233,554
57$4,617,861$537,987$60,652$3,462,253
58$4,999,420$474,886$0$3,712,893
59$5,417,080$405,875$0$3,993,173
60$5,874,435$330,576$0$4,313,633
61$6,375,442$248,589$0$4,664,778
62$6,924,459$159,491$0$5,049,713
63$7,526,285$62,837$0$5,471,857
64$8,186,206$0$0$5,934,980
65$8,910,045$0$0$6,450,145
66$9,704,215$0$0$7,026,805
67$10,575,778$0$0$7,659,726
68$11,532,515$0$0$8,354,564
69$12,582,996$0$0$9,117,552
70$13,736,663$0$0$9,955,556
71$15,003,915$0$0$10,876,139
72$16,396,209$0$0$11,887,632
73$17,926,167$0$0$12,999,215
74$19,607,693$0$0$14,220,999
75$21,456,107$0$0$15,564,125
76$23,488,284$0$0$17,040,866
77$25,722,818$0$0$18,664,745
78$28,180,195$0$0$20,450,659
79$30,882,984$0$0$22,415,022
80$33,856,052$0$0$24,575,920
81$37,126,798$0$0$26,953,279
82$40,725,409$0$0$29,569,053
83$44,685,146$0$0$32,447,431
84$49,042,657$0$0$35,615,068
85$53,838,323$0$0$39,101,330
86$59,116,636$0$0$42,938,578
87$64,926,622$0$0$47,162,465
88$71,322,298$0$0$51,812,280
89$78,363,189$0$0$56,931,312
90$86,114,879$0$0$62,567,261
91$94,649,639$0$0$68,772,690
92$104,047,103$0$0$75,605,515
93$114,395,019$0$0$83,129,555
94$125,790,078$0$0$91,415,135
95$138,338,827$0$0$100,539,743
96$152,158,670$0$0$110,588,771
97$167,378,979$0$0$121,656,309
98$184,142,314$0$0$133,846,042
99$202,605,765$0$0$147,272,222
100$222,942,437$0$0$162,060,750