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%17.8%
1 years$77,377$76,687$76,015$75,359$74,718$72,355
2 years$38,305$37,592$36,900$36,230$35,580$33,221
3 years$25,283$24,567$23,877$23,213$22,573$20,292
4 years$18,773$18,059$17,376$16,724$16,099$13,913
5 years$14,869$14,159$13,485$12,845$12,239$10,154
6 years$12,266$11,562$10,898$10,273$9,684$7,702
7 years$10,408$9,709$9,056$8,446$7,876$5,996
8 years$9,015$8,323$7,680$7,085$6,534$4,756
9 years$7,932$7,246$6,615$6,035$5,502$3,824
10 years$7,067$6,387$5,767$5,202$4,688$3,107
11 years$6,359$5,686$5,077$4,527$4,032$2,544
12 years$5,769$5,104$4,506$3,971$3,494$2,097
13 years$5,271$4,612$4,026$3,506$3,047$1,738
14 years$4,844$4,192$3,617$3,112$2,671$1,446
15 years$4,474$3,830$3,266$2,775$2,352$1,207
16 years$4,151$3,514$2,961$2,485$2,078$1,010
17 years$3,866$3,236$2,694$2,233$1,843$847
18 years$3,614$2,990$2,460$2,012$1,639$712
19 years$3,388$2,771$2,252$1,818$1,460$600
20 years$3,185$2,575$2,066$1,647$1,305$505
21 years$3,001$2,399$1,901$1,495$1,167$427
22 years$2,834$2,239$1,752$1,359$1,046$360
23 years$2,682$2,094$1,617$1,238$939$305
24 years$2,543$1,962$1,496$1,129$844$258
25 years$2,416$1,841$1,386$1,031$760$218
26 years$2,298$1,731$1,285$943$684$185
27 years$2,189$1,629$1,193$863$617$156
28 years$2,088$1,535$1,109$790$557$133
29 years$1,995$1,448$1,032$725$503$112
30 years$1,907$1,367$962$665$454$95
31 years$1,826$1,293$896$611$411$81
32 years$1,750$1,223$836$561$371$68
33 years$1,678$1,158$781$516$336$58
34 years$1,611$1,098$730$475$304$49
35 years$1,548$1,041$682$437$276$42
36 years$1,488$988$638$403$250$35
37 years$1,432$939$597$371$226$30
38 years$1,379$892$559$342$205$26
39 years$1,329$848$524$315$186$22
40 years$1,281$807$491$291$169$18
41 years$1,236$768$461$268$153$16
42 years$1,193$732$432$248$139$13
43 years$1,152$697$405$229$126$11
44 years$1,113$664$381$211$114$10
45 years$1,076$634$357$195$104$8
46 years$1,041$604$336$180$94$7
47 years$1,007$577$315$166$86$6
48 years$975$551$296$154$78$5
49 years$944$526$278$142$71$4
50 years$915$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 $937,000, adding $6,815 every year, while hoping to spend $35,183 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: 67/27/6 Blend
34$937,000$937,000$937,000$937,000
35$1,039,604$989,943$975,419$1,107,861
36$1,108,209$1,001,015$970,661$1,165,072
37$1,182,632$1,011,452$964,565$1,222,698
38$1,263,431$1,021,183$957,048$1,284,747
39$1,351,216$1,030,136$948,024$1,351,643
40$1,446,662$1,038,234$937,404$1,423,858
41$1,550,508$1,045,394$925,094$1,501,907
42$1,663,569$1,051,527$910,994$1,586,363
43$1,786,742$1,056,541$895,001$1,677,853
44$1,921,013$1,060,336$877,007$1,777,073
45$2,067,469$1,062,805$856,900$1,884,786
46$2,227,305$1,063,836$834,560$2,001,836
47$2,401,836$1,063,310$809,863$2,129,153
48$2,592,510$1,061,099$782,681$2,267,762
49$2,800,922$1,057,069$752,877$2,418,795
50$3,028,828$1,051,077$720,310$2,583,498
51$3,278,160$1,042,971$684,832$2,763,246
52$3,551,046$1,032,590$646,287$2,959,555
53$3,849,829$1,019,764$604,514$3,174,098
54$4,177,091$1,004,312$559,345$3,408,717
55$4,535,672$986,041$510,601$3,665,447
56$4,928,703$964,750$458,098$3,946,529
57$5,359,631$940,222$401,645$4,254,436
58$5,832,251$912,231$341,038$4,591,894
59$6,350,746$880,536$276,068$4,961,908
60$6,919,721$844,881$206,515$5,367,795
61$7,544,249$804,997$132,150$5,813,208
62$8,229,919$760,597$52,733$6,302,180
63$8,982,885$711,382$0$6,839,153
64$9,809,931$657,030$0$7,431,079
65$10,718,524$597,205$0$8,085,046
66$11,716,896$531,551$0$8,803,651
67$12,814,111$459,689$0$9,593,480
68$14,020,159$381,221$0$10,461,796
69$15,346,041$295,728$0$11,416,602
70$16,803,883$202,764$0$12,466,726
71$18,407,040$101,860$0$13,621,894
72$20,170,227$0$0$14,892,833
73$22,109,658$0$0$16,293,586
74$24,243,195$0$0$17,867,891
75$26,590,522$0$0$19,600,013
76$29,173,324$0$0$21,505,965
77$32,015,494$0$0$23,603,386
78$35,143,360$0$0$25,911,714
79$38,585,931$0$0$28,452,367
80$42,375,169$0$0$31,248,942
81$46,546,293$0$0$34,327,442
82$51,138,111$0$0$37,716,520
83$56,193,384$0$0$41,447,745
84$61,759,229$0$0$45,555,905
85$67,887,565$0$0$50,079,334
86$74,635,602$0$0$55,060,269
87$82,066,378$0$0$60,545,253
88$90,249,359$0$0$66,585,575
89$99,261,089$0$0$73,237,748
90$109,185,914$0$0$80,564,046
91$120,116,776$0$0$88,633,092
92$132,156,095$0$0$97,520,504
93$145,416,727$0$0$107,309,607
94$160,023,036$0$0$118,092,222
95$176,112,064$0$0$129,969,530
96$193,834,822$0$0$143,053,029
97$213,357,721$0$0$157,465,582
98$234,864,136$0$0$173,342,582
99$258,556,139$0$0$190,833,225
100$284,656,405$0$0$210,101,918