Can I retire at age 35 with 964,000?

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 $964,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$79,606$78,897$78,205$77,530$76,871$76,515
2 years$39,409$38,675$37,964$37,274$36,605$36,246
3 years$26,012$25,275$24,565$23,882$23,224$22,872
4 years$19,314$18,579$17,877$17,206$16,563$16,222
5 years$15,297$14,567$13,873$13,215$12,591$12,262
6 years$12,620$11,895$11,212$10,569$9,963$9,645
7 years$10,708$9,989$9,317$8,689$8,103$7,797
8 years$9,275$8,563$7,902$7,289$6,722$6,428
9 years$8,161$7,455$6,806$6,209$5,661$5,379
10 years$7,270$6,571$5,933$5,352$4,823$4,554
11 years$6,542$5,850$5,224$4,658$4,148$3,890
12 years$5,935$5,251$4,636$4,085$3,595$3,348
13 years$5,423$4,745$4,142$3,607$3,135$2,900
14 years$4,984$4,313$3,721$3,202$2,748$2,524
15 years$4,603$3,940$3,360$2,855$2,419$2,206
16 years$4,271$3,615$3,046$2,557$2,138$1,936
17 years$3,978$3,329$2,772$2,297$1,896$1,703
18 years$3,718$3,076$2,530$2,070$1,686$1,503
19 years$3,485$2,851$2,317$1,871$1,503$1,329
20 years$3,276$2,650$2,126$1,694$1,342$1,178
21 years$3,088$2,468$1,955$1,538$1,201$1,046
22 years$2,916$2,304$1,802$1,398$1,077$930
23 years$2,760$2,155$1,664$1,273$966$828
24 years$2,617$2,019$1,539$1,161$869$738
25 years$2,485$1,894$1,425$1,061$782$659
26 years$2,364$1,781$1,322$970$704$588
27 years$2,252$1,676$1,228$888$635$526
28 years$2,149$1,579$1,141$813$573$470
29 years$2,052$1,490$1,062$746$517$421
30 years$1,962$1,407$989$684$467$377
31 years$1,878$1,330$922$629$422$338
32 years$1,800$1,258$860$578$382$303
33 years$1,726$1,192$803$531$346$272
34 years$1,657$1,129$751$489$313$244
35 years$1,592$1,071$702$450$284$219
36 years$1,531$1,017$657$414$257$196
37 years$1,473$966$614$382$233$176
38 years$1,419$918$575$352$211$158
39 years$1,367$873$539$324$191$142
40 years$1,318$830$505$299$174$128
41 years$1,271$790$474$276$158$115
42 years$1,227$753$444$255$143$103
43 years$1,185$717$417$235$130$93
44 years$1,145$684$392$217$118$84
45 years$1,107$652$368$201$107$75
46 years$1,071$622$345$185$97$68
47 years$1,036$593$324$171$88$61
48 years$1,003$567$305$158$80$55
49 years$972$541$287$146$73$49
50 years$941$517$269$135$66$44

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $964,000, adding $4,471 every year, while hoping to spend $59,351 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: 69/15/16 Blend
34$964,000$964,000$964,000$964,000
35$1,066,940$1,015,848$1,000,906$1,136,250
36$1,112,619$1,002,475$971,287$1,169,612
37$1,160,968$986,458$938,687$1,198,629
38$1,212,196$967,605$902,943$1,228,876
39$1,266,534$945,711$863,885$1,260,465
40$1,324,230$920,561$821,336$1,293,525
41$1,385,560$891,927$775,109$1,328,196
42$1,450,823$859,567$725,010$1,364,638
43$1,520,346$823,225$670,838$1,403,025
44$1,594,490$782,631$612,379$1,443,553
45$1,673,646$737,499$549,412$1,486,440
46$1,758,247$687,525$481,706$1,531,928
47$1,848,765$632,390$409,020$1,580,286
48$1,945,718$571,756$331,101$1,631,814
49$2,049,673$505,265$247,685$1,686,844
50$2,161,255$432,538$158,498$1,745,744
51$2,281,148$353,177$63,252$1,808,926
52$2,410,102$266,760$0$1,876,845
53$2,548,943$172,841$0$1,956,560
54$2,698,575$70,950$0$2,054,027
55$2,859,993$0$0$2,159,115
56$3,034,289$0$0$2,279,076
57$3,222,666$0$0$2,421,427
58$3,426,441$0$0$2,575,460
59$3,647,066$0$0$2,742,276
60$3,886,135$0$0$2,923,086
61$4,145,402$0$0$3,119,224
62$4,426,795$0$0$3,332,155
63$4,732,434$0$0$3,563,489
64$5,064,654$0$0$3,815,001
65$5,426,019$0$0$4,088,640
66$5,819,353$0$0$4,386,552
67$6,247,764$0$0$4,711,099
68$6,714,671$0$0$5,064,878
69$7,223,835$0$0$5,450,751
70$7,779,399$0$0$5,871,864
71$8,385,920$0$0$6,331,682
72$9,048,416$0$0$6,834,020
73$9,772,412$0$0$7,383,076
74$10,563,988$0$0$7,983,473
75$11,429,842$0$0$8,640,302
76$12,377,344$0$0$9,359,166
77$13,414,614$0$0$10,146,237
78$14,550,591$0$0$11,008,312
79$15,795,121$0$0$11,952,873
80$17,159,043$0$0$12,988,164
81$18,654,300$0$0$14,123,262
82$20,294,041$0$0$15,368,164
83$22,092,752$0$0$16,733,882
84$24,066,385$0$0$18,232,546
85$26,232,515$0$0$19,877,515
86$28,610,498$0$0$21,683,507
87$31,221,656$0$0$23,666,733
88$34,089,479$0$0$25,845,049
89$37,239,840$0$0$28,238,130
90$40,701,246$0$0$30,867,647
91$44,505,097$0$0$33,757,476
92$48,685,989$0$0$36,933,918
93$53,282,036$0$0$40,425,953
94$58,335,227$0$0$44,265,507
95$63,891,824$0$0$48,487,751
96$70,002,795$0$0$53,131,441
97$76,724,296$0$0$58,239,272
98$84,118,199$0$0$63,858,287
99$92,252,673$0$0$70,040,317
100$101,202,828$0$0$76,842,472