Can I retire at age 35 with 937,000?

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 $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%13.8%
1 years$77,377$76,687$76,015$75,359$74,718$73,540
2 years$38,305$37,592$36,900$36,230$35,580$34,397
3 years$25,283$24,567$23,877$23,213$22,573$21,421
4 years$18,773$18,059$17,376$16,724$16,099$14,987
5 years$14,869$14,159$13,485$12,845$12,239$11,170
6 years$12,266$11,562$10,898$10,273$9,684$8,659
7 years$10,408$9,709$9,056$8,446$7,876$6,896
8 years$9,015$8,323$7,680$7,085$6,534$5,598
9 years$7,932$7,246$6,615$6,035$5,502$4,611
10 years$7,067$6,387$5,767$5,202$4,688$3,840
11 years$6,359$5,686$5,077$4,527$4,032$3,226
12 years$5,769$5,104$4,506$3,971$3,494$2,730
13 years$5,271$4,612$4,026$3,506$3,047$2,323
14 years$4,844$4,192$3,617$3,112$2,671$1,986
15 years$4,474$3,830$3,266$2,775$2,352$1,705
16 years$4,151$3,514$2,961$2,485$2,078$1,468
17 years$3,866$3,236$2,694$2,233$1,843$1,268
18 years$3,614$2,990$2,460$2,012$1,639$1,098
19 years$3,388$2,771$2,252$1,818$1,460$952
20 years$3,185$2,575$2,066$1,647$1,305$827
21 years$3,001$2,399$1,901$1,495$1,167$720
22 years$2,834$2,239$1,752$1,359$1,046$627
23 years$2,682$2,094$1,617$1,238$939$547
24 years$2,543$1,962$1,496$1,129$844$477
25 years$2,416$1,841$1,386$1,031$760$417
26 years$2,298$1,731$1,285$943$684$365
27 years$2,189$1,629$1,193$863$617$319
28 years$2,088$1,535$1,109$790$557$279
29 years$1,995$1,448$1,032$725$503$245
30 years$1,907$1,367$962$665$454$214
31 years$1,826$1,293$896$611$411$188
32 years$1,750$1,223$836$561$371$165
33 years$1,678$1,158$781$516$336$144
34 years$1,611$1,098$730$475$304$127
35 years$1,548$1,041$682$437$276$111
36 years$1,488$988$638$403$250$98
37 years$1,432$939$597$371$226$86
38 years$1,379$892$559$342$205$75
39 years$1,329$848$524$315$186$66
40 years$1,281$807$491$291$169$58
41 years$1,236$768$461$268$153$51
42 years$1,193$732$432$248$139$45
43 years$1,152$697$405$229$126$39
44 years$1,113$664$381$211$114$34
45 years$1,076$634$357$195$104$30
46 years$1,041$604$336$180$94$27
47 years$1,007$577$315$166$86$23
48 years$975$551$296$154$78$21
49 years$944$526$278$142$71$18
50 years$915$502$262$131$64$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $937,000, adding $3,902 every year, while hoping to spend $30,427 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: 35/39/26 Blend
34$937,000$937,000$937,000$937,000
35$1,036,599$986,938$972,414$1,064,624
36$1,109,958$1,002,924$972,616$1,101,825
37$1,189,780$1,018,673$971,805$1,138,902
38$1,276,691$1,034,142$969,915$1,178,312
39$1,371,383$1,049,285$966,876$1,220,281
40$1,474,614$1,064,049$962,616$1,265,065
41$1,587,220$1,078,383$957,059$1,312,941
42$1,710,121$1,092,229$950,126$1,364,221
43$1,844,330$1,105,524$941,731$1,419,247
44$1,990,961$1,118,204$931,788$1,478,398
45$2,151,241$1,130,198$920,205$1,542,096
46$2,326,522$1,141,432$906,886$1,610,805
47$2,518,291$1,151,826$891,731$1,685,038
48$2,728,186$1,161,295$874,633$1,765,365
49$2,958,010$1,169,748$855,483$1,852,414
50$3,209,751$1,177,089$834,165$1,946,882
51$3,485,594$1,183,215$810,558$2,049,539
52$3,787,950$1,188,018$784,537$2,161,233
53$4,119,472$1,191,381$755,969$2,282,907
54$4,483,080$1,193,181$724,717$2,415,599
55$4,881,995$1,193,287$690,635$2,560,459
56$5,319,760$1,191,561$653,574$2,718,756
57$5,800,281$1,187,853$613,374$2,891,895
58$6,327,860$1,182,007$569,872$3,081,425
59$6,907,234$1,173,858$522,895$3,289,061
60$7,543,622$1,163,228$472,263$3,516,694
61$8,242,776$1,149,930$417,788$3,766,416
62$9,011,030$1,133,767$359,274$4,040,536
63$9,855,361$1,114,528$296,515$4,341,605
64$10,783,457$1,091,989$229,299$4,672,439
65$11,803,790$1,065,917$157,400$5,036,149
66$12,925,689$1,036,060$80,586$5,436,169
67$14,159,437$1,002,154$0$5,876,291
68$15,516,359$963,919$0$6,361,087
69$17,008,937$921,060$0$6,918,676
70$18,650,919$873,263$0$7,531,852
71$20,457,457$820,197$0$8,206,323
72$22,445,241$761,510$0$8,948,383
73$24,632,666$696,834$0$9,764,974
74$27,039,994$625,776$0$10,663,750
75$29,689,557$547,922$0$11,653,156
76$32,605,956$462,835$0$12,742,500
77$35,816,303$370,052$0$13,942,049
78$39,350,467$269,087$0$15,263,124
79$43,241,365$159,422$0$16,718,208
80$47,525,265$40,514$0$18,321,068
81$52,242,131$0$0$20,086,881
82$57,435,999$0$0$22,070,240
83$63,155,396$0$0$24,273,602
84$69,453,789$0$0$26,700,201
85$76,390,100$0$0$29,372,760
86$84,029,254$0$0$32,316,318
87$92,442,793$0$0$35,558,467
88$101,709,553$0$0$39,129,610
89$111,916,407$0$0$43,063,251
90$123,159,084$0$0$47,396,310
91$135,543,070$0$0$52,169,469
92$149,184,609$0$0$57,427,562
93$164,211,793$0$0$63,219,989
94$180,765,776$0$0$69,601,191
95$199,002,103$0$0$76,631,157
96$219,092,180$0$0$84,375,995
97$241,224,888$0$0$92,908,552
98$265,608,369$0$0$102,309,107
99$292,471,989$0$0$112,666,120
100$322,068,503$0$0$124,077,075