Can I retire at age 35 with 936,000?

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 $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%14.7%
1 years$77,294$76,606$75,934$75,278$74,638$73,191
2 years$38,264$37,552$36,861$36,191$35,542$34,090
3 years$25,256$24,540$23,852$23,188$22,549$21,137
4 years$18,753$18,040$17,358$16,706$16,082$14,722
5 years$14,853$14,143$13,470$12,832$12,226$10,920
6 years$12,253$11,549$10,886$10,262$9,674$8,425
7 years$10,397$9,699$9,046$8,437$7,867$6,675
8 years$9,006$8,314$7,672$7,077$6,527$5,391
9 years$7,924$7,239$6,608$6,028$5,496$4,416
10 years$7,059$6,381$5,761$5,196$4,683$3,658
11 years$6,352$5,680$5,072$4,522$4,028$3,056
12 years$5,763$5,098$4,501$3,967$3,490$2,571
13 years$5,265$4,607$4,021$3,502$3,044$2,175
14 years$4,839$4,188$3,613$3,109$2,668$1,848
15 years$4,470$3,826$3,262$2,772$2,349$1,577
16 years$4,147$3,510$2,958$2,482$2,076$1,349
17 years$3,862$3,233$2,691$2,230$1,841$1,158
18 years$3,610$2,987$2,457$2,010$1,637$996
19 years$3,384$2,768$2,249$1,816$1,459$858
20 years$3,181$2,573$2,064$1,645$1,303$740
21 years$2,998$2,396$1,899$1,493$1,166$640
22 years$2,831$2,237$1,750$1,357$1,045$554
23 years$2,680$2,092$1,616$1,236$938$479
24 years$2,541$1,960$1,494$1,128$843$416
25 years$2,413$1,839$1,384$1,030$759$361
26 years$2,296$1,729$1,284$942$684$313
27 years$2,187$1,627$1,192$862$616$272
28 years$2,086$1,533$1,108$790$556$236
29 years$1,993$1,446$1,031$724$502$205
30 years$1,905$1,366$960$665$454$179
31 years$1,824$1,291$895$610$410$155
32 years$1,748$1,222$835$561$371$135
33 years$1,676$1,157$780$516$336$118
34 years$1,609$1,097$729$475$304$103
35 years$1,546$1,040$681$437$275$89
36 years$1,487$987$637$402$250$78
37 years$1,430$938$597$371$226$68
38 years$1,377$891$559$342$205$59
39 years$1,327$847$523$315$186$51
40 years$1,280$806$491$291$169$45
41 years$1,235$767$460$268$153$39
42 years$1,192$731$432$247$139$34
43 years$1,151$696$405$228$126$30
44 years$1,112$664$380$211$114$26
45 years$1,075$633$357$195$104$23
46 years$1,040$604$335$180$94$20
47 years$1,006$576$315$166$86$17
48 years$974$550$296$154$78$15
49 years$943$525$278$142$71$13
50 years$914$502$262$131$64$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $936,000, adding $4,446 every year, while hoping to spend $35,501 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: 37/47/16 Blend
34$936,000$936,000$936,000$936,000
35$1,036,058$986,450$971,942$1,069,209
36$1,103,963$997,013$966,729$1,104,044
37$1,177,605$1,006,904$960,152$1,137,938
38$1,257,531$1,016,053$952,127$1,173,791
39$1,344,343$1,024,383$942,568$1,211,798
40$1,438,704$1,031,816$931,382$1,252,175
41$1,541,343$1,038,267$918,474$1,295,160
42$1,653,062$1,043,643$903,745$1,341,019
43$1,774,742$1,047,850$887,089$1,390,048
44$1,907,356$1,050,785$868,397$1,442,574
45$2,051,972$1,052,339$847,553$1,498,960
46$2,209,766$1,052,396$824,439$1,559,608
47$2,382,032$1,050,834$798,927$1,624,966
48$2,570,195$1,047,521$770,888$1,695,529
49$2,775,825$1,042,319$740,182$1,771,844
50$3,000,649$1,035,082$706,668$1,854,522
51$3,246,567$1,025,654$670,194$1,944,234
52$3,515,675$1,013,869$630,603$2,041,728
53$3,810,277$999,552$587,732$2,147,831
54$4,132,913$982,517$541,409$2,263,457
55$4,486,379$962,569$491,454$2,389,621
56$4,873,753$939,498$437,681$2,527,444
57$5,298,426$913,084$379,894$2,678,169
58$5,764,135$883,094$317,889$2,843,168
59$6,274,991$849,281$251,454$3,023,964
60$6,835,527$811,382$180,364$3,222,237
61$7,450,732$769,122$104,388$3,439,847
62$8,126,105$722,207$23,283$3,678,853
63$8,867,701$670,328$0$3,941,528
64$9,682,191$613,159$0$4,241,190
65$10,576,924$550,353$0$4,574,762
66$11,559,994$481,544$0$4,941,384
67$12,640,321$406,347$0$5,344,502
68$13,827,729$324,353$0$5,787,922
69$15,133,042$235,132$0$6,275,843
70$16,568,187$138,227$0$6,812,904
71$18,146,301$33,159$0$7,404,223
72$19,881,859$0$0$8,055,453
73$21,790,810$0$0$8,814,507
74$23,890,726$0$0$9,668,507
75$26,200,967$0$0$10,608,194
76$28,742,864$0$0$11,642,265
77$31,539,921$0$0$12,780,301
78$34,618,034$0$0$14,032,857
79$38,005,737$0$0$15,411,567
80$41,734,471$0$0$16,929,247
81$45,838,878$0$0$18,600,019
82$50,357,131$0$0$20,439,447
83$55,331,290$0$0$22,464,675
84$60,807,702$0$0$24,694,600
85$66,837,436$0$0$27,150,041
86$73,476,764$0$0$29,853,940
87$80,787,694$0$0$32,831,576
88$88,838,552$0$0$36,110,806
89$97,704,628$0$0$39,722,325
90$107,468,888$0$0$43,699,957
91$118,222,751$0$0$48,080,976
92$130,066,957$0$0$52,906,453
93$143,112,516$0$0$58,221,647
94$157,481,751$0$0$64,076,431
95$173,309,458$0$0$70,525,762
96$190,744,176$0$0$77,630,202
97$209,949,585$0$0$85,456,485
98$231,106,055$0$0$94,078,150
99$254,412,346$0$0$103,576,237
100$280,087,483$0$0$114,040,045