Can I retire at age 35 with 952,000?

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 $952,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$78,615$77,915$77,232$76,565$75,914$74,381
2 years$38,918$38,194$37,491$36,810$36,149$34,612
3 years$25,688$24,960$24,259$23,585$22,935$21,440
4 years$19,074$18,348$17,655$16,991$16,357$14,918
5 years$15,107$14,385$13,701$13,051$12,434$11,054
6 years$12,463$11,747$11,072$10,437$9,839$8,519
7 years$10,575$9,865$9,201$8,581$8,002$6,742
8 years$9,159$8,456$7,803$7,198$6,638$5,439
9 years$8,059$7,362$6,721$6,131$5,590$4,450
10 years$7,180$6,490$5,859$5,285$4,763$3,681
11 years$6,460$5,777$5,159$4,600$4,097$3,072
12 years$5,862$5,185$4,578$4,035$3,550$2,581
13 years$5,355$4,686$4,090$3,562$3,096$2,180
14 years$4,921$4,260$3,675$3,162$2,714$1,850
15 years$4,546$3,891$3,318$2,820$2,389$1,576
16 years$4,218$3,570$3,008$2,525$2,112$1,347
17 years$3,928$3,288$2,737$2,269$1,872$1,154
18 years$3,671$3,038$2,499$2,044$1,665$991
19 years$3,442$2,816$2,288$1,847$1,484$853
20 years$3,236$2,617$2,100$1,673$1,325$735
21 years$3,049$2,437$1,931$1,518$1,186$634
22 years$2,880$2,275$1,780$1,381$1,063$548
23 years$2,725$2,128$1,643$1,257$954$474
24 years$2,584$1,994$1,520$1,147$858$410
25 years$2,454$1,871$1,408$1,047$772$355
26 years$2,335$1,758$1,306$958$695$308
27 years$2,224$1,655$1,212$877$627$267
28 years$2,122$1,559$1,127$803$566$232
29 years$2,027$1,471$1,049$736$511$201
30 years$1,938$1,389$977$676$461$175
31 years$1,855$1,313$911$621$417$152
32 years$1,778$1,243$850$570$377$132
33 years$1,705$1,177$793$525$342$114
34 years$1,637$1,115$741$483$309$99
35 years$1,572$1,058$693$444$280$86
36 years$1,512$1,004$648$409$254$75
37 years$1,455$954$607$377$230$65
38 years$1,401$906$568$348$209$57
39 years$1,350$862$532$320$189$49
40 years$1,302$820$499$296$172$43
41 years$1,256$781$468$273$156$37
42 years$1,212$743$439$252$141$33
43 years$1,171$708$412$232$128$28
44 years$1,131$675$387$214$116$25
45 years$1,094$644$363$198$106$21
46 years$1,058$614$341$183$96$19
47 years$1,023$586$320$169$87$16
48 years$991$559$301$156$79$14
49 years$959$534$283$144$72$12
50 years$929$510$266$133$65$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $952,000, adding $6,542 every year, while hoping to spend $46,737 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: 38/37/25 Blend
34$952,000$952,000$952,000$952,000
35$1,055,852$1,005,396$990,640$1,087,889
36$1,113,821$1,004,933$974,099$1,111,397
37$1,176,137$1,002,880$955,437$1,131,976
38$1,243,193$999,111$934,534$1,153,298
39$1,315,422$993,491$911,264$1,175,459
40$1,393,299$985,876$885,496$1,198,570
41$1,477,346$976,115$857,091$1,222,754
42$1,568,137$964,046$825,905$1,248,151
43$1,666,302$949,500$791,788$1,274,920
44$1,772,533$932,294$754,581$1,303,242
45$1,887,593$912,237$714,121$1,333,316
46$2,012,318$889,127$670,234$1,365,372
47$2,147,629$862,749$622,741$1,399,665
48$2,294,538$832,874$571,454$1,436,482
49$2,454,159$799,264$516,176$1,476,146
50$2,627,717$761,662$456,702$1,519,017
51$2,816,560$719,799$392,817$1,565,500
52$3,022,171$673,391$324,299$1,616,049
53$3,246,181$622,136$250,911$1,671,168
54$3,490,387$565,715$172,412$1,731,424
55$3,756,763$503,793$88,545$1,797,447
56$4,047,487$436,012$0$1,869,943
57$4,364,951$361,997$0$1,949,950
58$4,711,793$281,352$0$2,063,313
59$5,090,913$193,655$0$2,187,437
60$5,505,507$98,465$0$2,323,489
61$5,959,092$0$0$2,472,759
62$6,455,541$0$0$2,638,585
63$6,999,120$0$0$2,864,175
64$7,594,525$0$0$3,111,403
65$8,246,928$0$0$3,382,434
66$8,962,026$0$0$3,679,650
67$9,746,092$0$0$4,005,677
68$10,606,036$0$0$4,363,406
69$11,549,469$0$0$4,756,022
70$12,584,772$0$0$5,187,032
71$13,721,180$0$0$5,660,300
72$14,968,863$0$0$6,180,084
73$16,339,027$0$0$6,751,073
74$17,844,011$0$0$7,378,432
75$19,497,414$0$0$8,067,853
76$21,314,214$0$0$8,825,604
77$23,310,911$0$0$9,658,593
78$25,505,685$0$0$10,574,429
79$27,918,563$0$0$11,581,496
80$30,571,610$0$0$12,689,031
81$33,489,137$0$0$13,907,211
82$36,697,927$0$0$15,247,248
83$40,227,490$0$0$16,721,496
84$44,110,339$0$0$18,343,567
85$48,382,298$0$0$20,128,458
86$53,082,837$0$0$22,092,694
87$58,255,445$0$0$24,254,482
88$63,948,041$0$0$26,633,886
89$70,213,424$0$0$29,253,011
90$77,109,771$0$0$32,136,214
91$84,701,184$0$0$35,310,334
92$93,058,298$0$0$38,804,946
93$102,258,941$0$0$42,652,637
94$112,388,873$0$0$46,889,314
95$123,542,594$0$0$51,554,544
96$135,824,230$0$0$56,691,928
97$149,348,523$0$0$62,349,507
98$164,241,906$0$0$68,580,222
99$180,643,698$0$0$75,442,409
100$198,707,421$0$0$83,000,349