Can I retire at age 35 with 936,000?

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 $936,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$77,294$76,606$75,934$75,278$74,638$72,452
2 years$38,264$37,552$36,861$36,191$35,542$33,357
3 years$25,256$24,540$23,852$23,188$22,549$20,434
4 years$18,753$18,040$17,358$16,706$16,082$14,054
5 years$14,853$14,143$13,470$12,832$12,226$10,288
6 years$12,253$11,549$10,886$10,262$9,674$7,830
7 years$10,397$9,699$9,046$8,437$7,867$6,117
8 years$9,006$8,314$7,672$7,077$6,527$4,868
9 years$7,924$7,239$6,608$6,028$5,496$3,929
10 years$7,059$6,381$5,761$5,196$4,683$3,204
11 years$6,352$5,680$5,072$4,522$4,028$2,634
12 years$5,763$5,098$4,501$3,967$3,490$2,180
13 years$5,265$4,607$4,021$3,502$3,044$1,814
14 years$4,839$4,188$3,613$3,109$2,668$1,515
15 years$4,470$3,826$3,262$2,772$2,349$1,270
16 years$4,147$3,510$2,958$2,482$2,076$1,068
17 years$3,862$3,233$2,691$2,230$1,841$900
18 years$3,610$2,987$2,457$2,010$1,637$760
19 years$3,384$2,768$2,249$1,816$1,459$642
20 years$3,181$2,573$2,064$1,645$1,303$544
21 years$2,998$2,396$1,899$1,493$1,166$461
22 years$2,831$2,237$1,750$1,357$1,045$391
23 years$2,680$2,092$1,616$1,236$938$332
24 years$2,541$1,960$1,494$1,128$843$283
25 years$2,413$1,839$1,384$1,030$759$240
26 years$2,296$1,729$1,284$942$684$204
27 years$2,187$1,627$1,192$862$616$174
28 years$2,086$1,533$1,108$790$556$148
29 years$1,993$1,446$1,031$724$502$126
30 years$1,905$1,366$960$665$454$108
31 years$1,824$1,291$895$610$410$92
32 years$1,748$1,222$835$561$371$78
33 years$1,676$1,157$780$516$336$67
34 years$1,609$1,097$729$475$304$57
35 years$1,546$1,040$681$437$275$48
36 years$1,487$987$637$402$250$41
37 years$1,430$938$597$371$226$35
38 years$1,377$891$559$342$205$30
39 years$1,327$847$523$315$186$26
40 years$1,280$806$491$291$169$22
41 years$1,235$767$460$268$153$19
42 years$1,192$731$432$247$139$16
43 years$1,151$696$405$228$126$14
44 years$1,112$664$380$211$114$12
45 years$1,075$633$357$195$104$10
46 years$1,040$604$335$180$94$8
47 years$1,006$576$315$166$86$7
48 years$974$550$296$154$78$6
49 years$943$525$278$142$71$5
50 years$914$502$262$131$64$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $936,000, adding $4,913 every year, while hoping to spend $28,134 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: 37/42/21 Blend
34$936,000$936,000$936,000$936,000
35$1,036,540$986,932$972,424$1,068,180
36$1,112,332$1,005,357$975,066$1,110,062
37$1,194,913$1,023,742$976,853$1,152,284
38$1,284,944$1,042,056$977,728$1,197,315
39$1,383,155$1,060,263$977,628$1,245,425
40$1,490,349$1,078,328$976,491$1,296,912
41$1,607,409$1,096,211$974,248$1,352,104
42$1,735,308$1,113,868$970,828$1,411,363
43$1,875,117$1,131,255$966,159$1,475,090
44$2,028,015$1,148,323$960,161$1,543,727
45$2,195,300$1,165,018$952,754$1,617,763
46$2,378,402$1,181,285$943,852$1,697,737
47$2,578,894$1,197,063$933,366$1,784,245
48$2,798,510$1,212,288$921,203$1,877,946
49$3,039,159$1,226,891$907,264$1,979,567
50$3,302,943$1,240,799$891,447$2,089,909
51$3,592,178$1,253,932$873,645$2,209,858
52$3,909,412$1,266,207$853,744$2,340,395
53$4,257,456$1,277,535$831,629$2,482,599
54$4,639,403$1,287,820$807,174$2,637,662
55$5,058,660$1,296,962$780,253$2,806,902
56$5,518,982$1,304,852$750,730$2,991,774
57$6,024,503$1,311,375$718,465$3,193,881
58$6,579,779$1,316,409$683,310$3,414,995
59$7,189,828$1,319,824$645,112$3,657,073
60$7,860,177$1,321,482$603,710$3,922,272
61$8,596,917$1,321,236$558,936$4,212,974
62$9,406,757$1,318,931$510,615$4,531,809
63$10,297,089$1,314,401$458,563$4,881,678
64$11,276,056$1,307,471$402,589$5,265,783
65$12,352,631$1,297,954$342,493$5,687,656
66$13,536,698$1,285,653$278,065$6,151,197
67$14,839,150$1,270,358$209,089$6,660,706
68$16,271,985$1,251,848$135,335$7,220,929
69$17,848,425$1,229,887$56,567$7,837,102
70$19,583,039$1,204,225$0$8,515,001
71$21,491,877$1,174,600$0$9,267,159
72$23,592,623$1,140,731$0$10,108,372
73$25,904,767$1,102,322$0$11,033,767
74$28,449,778$1,059,061$0$12,051,959
75$31,251,316$1,010,616$0$13,172,449
76$34,335,451$956,636$0$14,405,713
77$37,730,907$896,752$0$15,763,297
78$41,469,337$830,570$0$17,257,936
79$45,585,617$757,676$0$18,903,667
80$50,118,180$677,632$0$20,715,965
81$55,109,374$589,975$0$22,711,895
82$60,605,862$494,216$0$24,910,266
83$66,659,065$389,838$0$27,331,816
84$73,325,644$276,294$0$29,999,408
85$80,668,035$153,008$0$32,938,244
86$88,755,041$19,372$0$36,176,108
87$97,662,476$0$0$39,743,630
88$107,473,883$0$0$43,732,464
89$118,281,323$0$0$48,136,288
90$130,186,243$0$0$52,987,510
91$143,300,432$0$0$58,331,709
92$157,747,077$0$0$64,219,109
93$173,661,925$0$0$70,705,058
94$191,194,563$0$0$77,850,544
95$210,509,833$0$0$85,722,778
96$231,789,383$0$0$94,395,821
97$255,233,385$0$0$103,951,288
98$281,062,423$0$0$114,479,116
99$309,519,571$0$0$126,078,414
100$340,872,696$0$0$138,858,396