Can I retire at age 35 with 943,000?

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 $943,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$77,872$77,178$76,502$75,841$75,196$73,171
2 years$38,551$37,833$37,137$36,462$35,808$33,781
3 years$25,445$24,724$24,030$23,362$22,718$20,754
4 years$18,894$18,175$17,488$16,831$16,203$14,317
5 years$14,964$14,249$13,571$12,928$12,317$10,514
6 years$12,345$11,636$10,967$10,338$9,746$8,028
7 years$10,475$9,772$9,114$8,500$7,926$6,293
8 years$9,073$8,376$7,729$7,130$6,575$5,026
9 years$7,983$7,293$6,657$6,073$5,537$4,071
10 years$7,112$6,428$5,804$5,235$4,718$3,332
11 years$6,399$5,723$5,110$4,556$4,058$2,750
12 years$5,806$5,136$4,535$3,996$3,516$2,285
13 years$5,305$4,642$4,052$3,528$3,066$1,909
14 years$4,875$4,219$3,640$3,132$2,688$1,601
15 years$4,503$3,854$3,287$2,793$2,367$1,348
16 years$4,178$3,536$2,980$2,501$2,092$1,138
17 years$3,891$3,257$2,712$2,247$1,855$963
18 years$3,637$3,009$2,475$2,025$1,649$817
19 years$3,409$2,789$2,266$1,830$1,470$694
20 years$3,205$2,592$2,080$1,657$1,313$590
21 years$3,020$2,414$1,913$1,504$1,175$503
22 years$2,853$2,254$1,763$1,368$1,053$429
23 years$2,700$2,108$1,628$1,245$945$366
24 years$2,560$1,975$1,505$1,136$850$312
25 years$2,431$1,853$1,394$1,037$765$267
26 years$2,313$1,742$1,293$949$689$228
27 years$2,203$1,639$1,201$868$621$195
28 years$2,102$1,545$1,116$795$560$167
29 years$2,007$1,457$1,039$729$506$143
30 years$1,920$1,376$968$669$457$122
31 years$1,837$1,301$902$615$413$105
32 years$1,761$1,231$842$565$374$90
33 years$1,689$1,166$786$520$338$77
34 years$1,621$1,105$734$478$306$66
35 years$1,558$1,048$687$440$277$56
36 years$1,498$995$642$405$251$48
37 years$1,441$945$601$373$228$42
38 years$1,388$898$563$344$207$36
39 years$1,337$854$527$317$187$30
40 years$1,289$812$494$293$170$26
41 years$1,244$773$464$270$154$22
42 years$1,201$736$435$249$140$19
43 years$1,160$702$408$230$127$16
44 years$1,120$669$383$212$115$14
45 years$1,083$638$360$196$105$12
46 years$1,048$608$338$181$95$10
47 years$1,014$581$317$167$86$9
48 years$981$554$298$155$78$8
49 years$950$529$280$143$71$7
50 years$921$506$263$132$65$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $943,000, adding $4,858 every year, while hoping to spend $28,228 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: 47/32/21 Blend
34$943,000$943,000$943,000$943,000
35$1,044,197$994,218$979,602$1,086,824
36$1,120,671$1,012,900$982,384$1,135,784
37$1,203,999$1,031,552$984,313$1,185,690
38$1,294,850$1,050,142$985,331$1,239,276
39$1,393,962$1,068,636$985,377$1,296,899
40$1,502,145$1,086,998$984,386$1,358,953
41$1,620,291$1,105,188$982,290$1,425,873
42$1,749,384$1,123,165$979,020$1,498,138
43$1,890,504$1,140,884$974,500$1,576,277
44$2,044,844$1,158,295$968,654$1,660,874
45$2,213,713$1,175,346$961,399$1,752,573
46$2,398,556$1,191,983$952,651$1,852,085
47$2,600,964$1,208,145$942,319$1,960,194
48$2,822,686$1,223,768$930,311$2,077,765
49$3,065,651$1,238,783$916,527$2,205,752
50$3,331,982$1,253,119$900,866$2,345,209
51$3,624,019$1,266,697$883,220$2,497,298
52$3,944,338$1,279,433$863,476$2,663,300
53$4,295,774$1,291,240$841,517$2,844,631
54$4,681,455$1,302,022$817,219$3,042,849
55$5,104,821$1,311,679$790,454$3,259,677
56$5,569,665$1,320,104$761,087$3,497,013
57$6,080,165$1,327,182$728,977$3,756,953
58$6,640,920$1,332,793$693,976$4,041,806
59$7,257,001$1,336,807$655,931$4,354,121
60$7,933,992$1,339,087$614,681$4,696,711
61$8,678,043$1,339,486$570,058$5,072,675
62$9,495,934$1,337,852$521,885$5,485,435
63$10,395,131$1,334,018$469,980$5,938,762
64$11,383,860$1,327,811$414,150$6,436,818
65$12,471,185$1,319,044$354,195$6,984,191
66$13,667,091$1,307,523$289,906$7,585,943
67$14,982,581$1,293,038$221,064$8,247,654
68$16,429,777$1,275,369$147,442$8,975,480
69$18,022,034$1,254,282$68,801$9,776,207
70$19,774,068$1,229,529$0$10,657,322
71$21,702,095$1,200,847$0$11,630,466
72$23,823,978$1,167,959$0$12,718,024
73$26,159,405$1,130,570$0$13,914,661
74$28,730,064$1,088,368$0$15,231,506
75$31,559,856$1,041,023$0$16,680,826
76$34,675,116$988,188$0$18,276,144
77$38,104,861$929,493$0$20,032,364
78$41,881,066$864,547$0$21,965,917
79$46,038,964$792,938$0$24,094,911
80$50,617,377$714,231$0$26,439,308
81$55,659,085$627,964$0$29,021,110
82$61,211,227$533,649$0$31,864,568
83$67,325,747$430,774$0$34,996,413
84$74,059,885$318,793$0$38,446,107
85$81,476,712$197,132$0$42,246,126
86$89,645,731$65,186$0$46,432,263
87$98,643,529$0$0$51,043,971
88$108,554,502$0$0$56,152,088
89$119,471,648$0$0$61,804,227
90$131,497,447$0$0$68,030,509
91$144,744,829$0$0$74,889,424
92$159,338,234$0$0$82,445,421
93$175,414,794$0$0$90,769,525
94$193,125,620$0$0$99,939,999
95$212,637,235$0$0$110,043,088
96$234,133,137$0$0$121,173,833
97$257,815,539$0$0$133,436,964
98$283,907,272$0$0$146,947,892
99$312,653,889$0$0$161,833,795
100$344,325,986$0$0$178,234,823