Can I retire at age 35 with 937,000?

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 $937,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$77,377$76,687$76,015$75,359$74,718$73,359
2 years$38,305$37,592$36,900$36,230$35,580$34,216
3 years$25,283$24,567$23,877$23,213$22,573$21,247
4 years$18,773$18,059$17,376$16,724$16,099$14,820
5 years$14,869$14,159$13,485$12,845$12,239$11,010
6 years$12,266$11,562$10,898$10,273$9,684$8,508
7 years$10,408$9,709$9,056$8,446$7,876$6,753
8 years$9,015$8,323$7,680$7,085$6,534$5,463
9 years$7,932$7,246$6,615$6,035$5,502$4,484
10 years$7,067$6,387$5,767$5,202$4,688$3,720
11 years$6,359$5,686$5,077$4,527$4,032$3,114
12 years$5,769$5,104$4,506$3,971$3,494$2,625
13 years$5,271$4,612$4,026$3,506$3,047$2,225
14 years$4,844$4,192$3,617$3,112$2,671$1,894
15 years$4,474$3,830$3,266$2,775$2,352$1,619
16 years$4,151$3,514$2,961$2,485$2,078$1,389
17 years$3,866$3,236$2,694$2,233$1,843$1,194
18 years$3,614$2,990$2,460$2,012$1,639$1,029
19 years$3,388$2,771$2,252$1,818$1,460$889
20 years$3,185$2,575$2,066$1,647$1,305$769
21 years$3,001$2,399$1,901$1,495$1,167$666
22 years$2,834$2,239$1,752$1,359$1,046$578
23 years$2,682$2,094$1,617$1,238$939$501
24 years$2,543$1,962$1,496$1,129$844$436
25 years$2,416$1,841$1,386$1,031$760$379
26 years$2,298$1,731$1,285$943$684$330
27 years$2,189$1,629$1,193$863$617$287
28 years$2,088$1,535$1,109$790$557$250
29 years$1,995$1,448$1,032$725$503$218
30 years$1,907$1,367$962$665$454$190
31 years$1,826$1,293$896$611$411$166
32 years$1,750$1,223$836$561$371$145
33 years$1,678$1,158$781$516$336$126
34 years$1,611$1,098$730$475$304$110
35 years$1,548$1,041$682$437$276$96
36 years$1,488$988$638$403$250$84
37 years$1,432$939$597$371$226$73
38 years$1,379$892$559$342$205$64
39 years$1,329$848$524$315$186$56
40 years$1,281$807$491$291$169$49
41 years$1,236$768$461$268$153$43
42 years$1,193$732$432$248$139$37
43 years$1,152$697$405$229$126$33
44 years$1,113$664$381$211$114$28
45 years$1,076$634$357$195$104$25
46 years$1,041$604$336$180$94$22
47 years$1,007$577$315$166$86$19
48 years$975$551$296$154$78$17
49 years$944$526$278$142$71$15
50 years$915$502$262$131$64$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $937,000, adding $3,881 every year, while hoping to spend $38,313 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: 64/31/5 Blend
34$937,000$937,000$937,000$937,000
35$1,036,577$986,916$972,393$1,101,932
36$1,101,543$994,510$964,203$1,153,475
37$1,171,852$1,001,193$954,455$1,204,837
38$1,248,008$1,006,878$943,056$1,259,917
39$1,330,565$1,011,475$929,909$1,319,070
40$1,420,133$1,014,888$914,912$1,382,692
41$1,517,384$1,017,015$897,959$1,451,216
42$1,623,055$1,017,747$878,938$1,525,122
43$1,737,958$1,016,968$857,734$1,604,939
44$1,862,986$1,014,555$834,224$1,691,250
45$1,999,120$1,010,378$808,280$1,784,699
46$2,147,443$1,004,299$779,770$1,885,998
47$2,309,144$996,171$748,554$1,995,930
48$2,485,532$985,839$714,486$2,115,361
49$2,678,049$973,138$677,414$2,245,246
50$2,888,280$957,892$637,177$2,386,639
51$3,117,973$939,917$593,611$2,540,703
52$3,369,050$919,016$546,541$2,708,721
53$3,643,627$894,983$495,784$2,892,110
54$3,944,036$867,596$441,152$3,092,432
55$4,272,843$836,623$382,445$3,311,411
56$4,632,872$801,817$319,457$3,550,950
57$5,027,238$762,918$251,971$3,813,147
58$5,459,365$719,651$179,762$4,100,319
59$5,933,030$671,723$102,593$4,415,020
60$6,452,387$618,825$20,218$4,760,069
61$7,022,016$560,633$0$5,138,576
62$7,646,958$496,801$0$5,557,584
63$8,332,769$426,966$0$6,018,650
64$9,085,566$350,741$0$6,524,886
65$9,912,088$267,722$0$7,080,911
66$10,819,759$177,478$0$7,691,823
67$11,816,756$79,556$0$8,363,241
68$12,912,089$0$0$9,101,364
69$14,115,681$0$0$9,922,074
70$15,438,466$0$0$10,853,955
71$16,892,490$0$0$11,878,362
72$18,491,021$0$0$13,004,654
73$20,248,682$0$0$14,243,141
74$22,181,578$0$0$15,605,182
75$24,307,456$0$0$17,103,292
76$26,645,871$0$0$18,751,260
77$29,218,363$0$0$20,564,279
78$32,048,670$0$0$22,559,088
79$35,162,945$0$0$24,754,132
80$38,590,003$0$0$27,169,731
81$42,361,595$0$0$29,828,278
82$46,512,704$0$0$32,754,444
83$51,081,879$0$0$35,975,416
84$56,111,593$0$0$39,521,147
85$61,648,648$0$0$43,424,644
86$67,744,613$0$0$47,722,276
87$74,456,312$0$0$52,454,120
88$81,846,360$0$0$57,664,332
89$89,983,752$0$0$63,401,573
90$98,944,512$0$0$69,719,460
91$108,812,416$0$0$76,677,075
92$119,679,777$0$0$84,339,524
93$131,648,316$0$0$92,778,546
94$144,830,124$0$0$102,073,195
95$159,348,718$0$0$112,310,581
96$175,340,204$0$0$123,586,698
97$192,954,567$0$0$136,007,323
98$212,357,078$0$0$149,689,016
99$233,729,862$0$0$164,760,225
100$257,273,610$0$0$181,362,488