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%14%
1 years$77,294$76,606$75,934$75,278$74,638$73,401
2 years$38,264$37,552$36,861$36,191$35,542$34,300
3 years$25,256$24,540$23,852$23,188$22,549$21,340
4 years$18,753$18,040$17,358$16,706$16,082$14,916
5 years$14,853$14,143$13,470$12,832$12,226$11,104
6 years$12,253$11,549$10,886$10,262$9,674$8,600
7 years$10,397$9,699$9,046$8,437$7,867$6,840
8 years$9,006$8,314$7,672$7,077$6,527$5,547
9 years$7,924$7,239$6,608$6,028$5,496$4,563
10 years$7,059$6,381$5,761$5,196$4,683$3,796
11 years$6,352$5,680$5,072$4,522$4,028$3,185
12 years$5,763$5,098$4,501$3,967$3,490$2,692
13 years$5,265$4,607$4,021$3,502$3,044$2,287
14 years$4,839$4,188$3,613$3,109$2,668$1,953
15 years$4,470$3,826$3,262$2,772$2,349$1,674
16 years$4,147$3,510$2,958$2,482$2,076$1,440
17 years$3,862$3,233$2,691$2,230$1,841$1,242
18 years$3,610$2,987$2,457$2,010$1,637$1,073
19 years$3,384$2,768$2,249$1,816$1,459$929
20 years$3,181$2,573$2,064$1,645$1,303$806
21 years$2,998$2,396$1,899$1,493$1,166$701
22 years$2,831$2,237$1,750$1,357$1,045$609
23 years$2,680$2,092$1,616$1,236$938$531
24 years$2,541$1,960$1,494$1,128$843$463
25 years$2,413$1,839$1,384$1,030$759$404
26 years$2,296$1,729$1,284$942$684$352
27 years$2,187$1,627$1,192$862$616$308
28 years$2,086$1,533$1,108$790$556$269
29 years$1,993$1,446$1,031$724$502$235
30 years$1,905$1,366$960$665$454$206
31 years$1,824$1,291$895$610$410$180
32 years$1,748$1,222$835$561$371$158
33 years$1,676$1,157$780$516$336$138
34 years$1,609$1,097$729$475$304$121
35 years$1,546$1,040$681$437$275$106
36 years$1,487$987$637$402$250$93
37 years$1,430$938$597$371$226$81
38 years$1,377$891$559$342$205$71
39 years$1,327$847$523$315$186$62
40 years$1,280$806$491$291$169$55
41 years$1,235$767$460$268$153$48
42 years$1,192$731$432$247$139$42
43 years$1,151$696$405$228$126$37
44 years$1,112$664$380$211$114$32
45 years$1,075$633$357$195$104$28
46 years$1,040$604$335$180$94$25
47 years$1,006$576$315$166$86$22
48 years$974$550$296$154$78$19
49 years$943$525$278$142$71$17
50 years$914$502$262$131$64$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $936,000, adding $4,883 every year, while hoping to spend $38,844 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: 59/19/22 Blend
34$936,000$936,000$936,000$936,000
35$1,036,509$986,901$972,393$1,091,322
36$1,100,903$993,929$963,638$1,136,164
37$1,170,564$1,000,000$953,289$1,180,413
38$1,245,986$1,005,026$941,249$1,227,819
39$1,327,717$1,008,912$927,421$1,278,696
40$1,416,356$1,011,560$911,701$1,333,390
41$1,512,562$1,012,865$893,981$1,392,286
42$1,617,061$1,012,712$874,147$1,455,805
43$1,730,650$1,010,984$852,080$1,524,418
44$1,854,208$1,007,554$827,656$1,598,640
45$1,988,701$1,002,288$800,746$1,679,044
46$2,135,190$995,042$771,213$1,766,262
47$2,294,846$985,666$738,916$1,860,992
48$2,468,956$973,999$703,705$1,964,004
49$2,658,937$959,872$665,426$2,076,151
50$2,866,346$943,104$623,916$2,198,375
51$3,092,902$923,504$579,006$2,331,714
52$3,340,494$900,872$530,518$2,477,317
53$3,611,202$874,992$478,268$2,636,451
54$3,907,316$845,638$422,061$2,810,518
55$4,231,358$812,570$361,696$3,001,063
56$4,586,106$775,536$296,963$3,209,794
57$4,974,618$734,266$227,640$3,438,595
58$5,400,260$688,476$153,497$3,689,547
59$5,866,743$637,868$74,295$3,964,947
60$6,378,150$582,122$0$4,267,332
61$6,938,979$520,905$0$4,601,900
62$7,554,187$453,861$0$4,988,108
63$8,229,230$380,615$0$5,411,970
64$8,970,119$300,774$0$5,877,315
65$9,783,477$213,917$0$6,388,366
66$10,676,597$119,604$0$6,949,775
67$11,657,514$17,369$0$7,566,675
68$12,735,080$0$0$8,244,720
69$13,919,045$0$0$9,009,651
70$15,220,151$0$0$9,854,337
71$16,650,234$0$0$10,782,841
72$18,222,330$0$0$11,803,638
73$19,950,804$0$0$12,926,066
74$21,851,480$0$0$14,160,413
75$23,941,795$0$0$15,518,014
76$26,240,959$0$0$17,011,357
77$28,770,135$0$0$18,654,203
78$31,552,645$0$0$20,461,711
79$34,614,181$0$0$22,450,585
80$37,983,054$0$0$24,639,230
81$41,690,455$0$0$27,047,926
82$45,770,755$0$0$29,699,016
83$50,261,824$0$0$32,617,123
84$55,205,389$0$0$35,829,374
85$60,647,429$0$0$39,365,661
86$66,638,606$0$0$43,258,923
87$73,234,745$0$0$47,545,453
88$80,497,359$0$0$52,265,245
89$88,494,229$0$0$57,462,365
90$97,300,042$0$0$63,185,372
91$106,997,100$0$0$69,487,774
92$117,676,090$0$0$76,428,533
93$129,436,944$0$0$84,072,618
94$142,389,778$0$0$92,491,624
95$156,655,934$0$0$101,764,441
96$172,369,124$0$0$111,978,005
97$189,676,690$0$0$123,228,110
98$208,740,993$0$0$135,620,318
99$229,740,950$0$0$149,270,955
100$252,873,716$0$0$164,308,203