Can I retire at age 35 with 991,000?

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 $991,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$81,836$81,107$80,396$79,702$79,024$77,460
2 years$40,513$39,758$39,027$38,318$37,630$36,061
3 years$26,740$25,982$25,253$24,551$23,874$22,349
4 years$19,855$19,100$18,378$17,687$17,027$15,558
5 years$15,725$14,975$14,262$13,586$12,944$11,534
6 years$12,973$12,228$11,526$10,865$10,242$8,894
7 years$11,008$10,269$9,578$8,932$8,330$7,043
8 years$9,535$8,802$8,123$7,493$6,910$5,685
9 years$8,389$7,664$6,996$6,382$5,819$4,654
10 years$7,474$6,755$6,099$5,502$4,958$3,852
11 years$6,725$6,014$5,370$4,788$4,264$3,216
12 years$6,102$5,398$4,766$4,200$3,695$2,704
13 years$5,575$4,878$4,258$3,708$3,222$2,286
14 years$5,123$4,434$3,826$3,291$2,825$1,941
15 years$4,732$4,051$3,454$2,935$2,487$1,655
16 years$4,391$3,716$3,132$2,628$2,198$1,415
17 years$4,089$3,423$2,850$2,362$1,949$1,213
18 years$3,822$3,163$2,601$2,128$1,733$1,043
19 years$3,583$2,931$2,381$1,923$1,545$898
20 years$3,368$2,724$2,186$1,742$1,380$774
21 years$3,174$2,537$2,010$1,581$1,235$669
22 years$2,998$2,368$1,853$1,437$1,107$578
23 years$2,837$2,215$1,711$1,309$993$500
24 years$2,690$2,075$1,582$1,194$893$433
25 years$2,555$1,948$1,465$1,090$804$376
26 years$2,430$1,830$1,359$997$724$326
27 years$2,315$1,723$1,262$912$653$283
28 years$2,209$1,623$1,173$836$589$246
29 years$2,110$1,531$1,092$767$532$213
30 years$2,017$1,446$1,017$704$480$185
31 years$1,931$1,367$948$646$434$161
32 years$1,850$1,294$885$594$393$140
33 years$1,775$1,225$826$546$356$122
34 years$1,704$1,161$772$502$322$106
35 years$1,637$1,101$721$463$292$92
36 years$1,574$1,045$675$426$264$80
37 years$1,515$993$632$392$239$70
38 years$1,458$943$592$362$217$61
39 years$1,405$897$554$334$197$53
40 years$1,355$854$519$308$179$46
41 years$1,307$812$487$284$162$40
42 years$1,262$774$457$262$147$35
43 years$1,219$737$429$242$133$30
44 years$1,177$703$402$223$121$26
45 years$1,138$670$378$206$110$23
46 years$1,101$639$355$190$100$20
47 years$1,065$610$333$176$91$17
48 years$1,031$582$313$163$82$15
49 years$999$556$295$150$75$13
50 years$968$531$277$139$68$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $991,000, adding $4,707 every year, while hoping to spend $54,700 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: 67/10/23 Blend
34$991,000$991,000$991,000$991,000
35$1,096,937$1,044,414$1,029,054$1,163,690
36$1,150,624$1,037,390$1,005,327$1,202,057
37$1,207,955$1,028,189$978,971$1,237,304
38$1,269,241$1,016,645$949,842$1,274,572
39$1,334,828$1,002,585$917,787$1,314,061
40$1,405,093$985,825$882,645$1,355,992
41$1,480,450$966,167$844,251$1,400,610
42$1,561,352$943,406$802,429$1,448,188
43$1,648,298$917,320$756,999$1,499,027
44$1,741,835$887,679$707,768$1,553,461
45$1,842,562$854,236$654,539$1,611,862
46$1,951,141$816,731$597,103$1,674,639
47$2,068,294$774,888$535,243$1,742,246
48$2,194,818$728,415$468,732$1,815,188
49$2,331,588$677,006$397,333$1,894,021
50$2,479,565$620,334$320,799$1,979,363
51$2,639,805$558,055$238,870$2,071,896
52$2,813,471$489,805$151,278$2,172,376
53$3,001,839$415,200$57,740$2,281,639
54$3,206,315$333,833$0$2,400,610
55$3,428,443$245,275$0$2,540,639
56$3,669,924$149,073$0$2,708,324
57$3,932,626$44,747$0$2,890,810
58$4,218,608$0$0$3,089,562
59$4,530,133$0$0$3,313,700
60$4,869,692$0$0$3,563,431
61$5,240,027$0$0$3,835,854
62$5,644,155$0$0$4,133,197
63$6,085,398$0$0$4,457,910
64$6,567,413$0$0$4,812,692
65$7,094,224$0$0$5,200,515
66$7,670,263$0$0$5,624,649
67$8,300,410$0$0$6,088,695
68$8,990,037$0$0$6,596,619
69$9,745,059$0$0$7,152,788
70$10,571,993$0$0$7,762,011
71$11,478,011$0$0$8,429,584
72$12,471,014$0$0$9,161,338
73$13,559,705$0$0$9,963,697
74$14,753,667$0$0$10,843,735
75$16,063,455$0$0$11,809,245
76$17,500,696$0$0$12,868,810
77$19,078,197$0$0$14,031,883
78$20,810,065$0$0$15,308,880
79$22,711,839$0$0$16,711,271
80$24,800,637$0$0$18,251,694
81$27,095,316$0$0$19,944,069
82$29,616,651$0$0$21,803,735
83$32,387,526$0$0$23,847,585
84$35,433,156$0$0$26,094,234
85$38,781,315$0$0$28,564,189
86$42,462,607$0$0$31,280,041
87$46,510,747$0$0$34,266,683
88$50,962,882$0$0$37,551,539
89$55,859,937$0$0$41,164,825
90$61,247,006$0$0$45,139,831
91$67,173,770$0$0$49,513,238
92$73,694,971$0$0$54,325,460
93$80,870,923$0$0$59,621,028
94$88,768,082$0$0$65,449,006
95$97,459,674$0$0$71,863,458
96$107,026,381$0$0$78,923,950
97$117,557,106$0$0$86,696,122
98$129,149,807$0$0$95,252,295
99$141,912,422$0$0$104,672,163
100$155,963,889$0$0$115,043,538