Can I retire at age 35 with 910,000?

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 $910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$75,147$74,478$73,825$73,187$72,565$71,187
2 years$37,201$36,509$35,837$35,186$34,555$33,172
3 years$24,555$23,859$23,189$22,544$21,923$20,578
4 years$18,232$17,539$16,876$16,242$15,636$14,340
5 years$14,440$13,751$13,096$12,475$11,886$10,642
6 years$11,913$11,228$10,584$9,977$9,405$8,215
7 years$10,108$9,430$8,795$8,202$7,649$6,512
8 years$8,755$8,083$7,459$6,881$6,345$5,263
9 years$7,704$7,038$6,424$5,861$5,344$4,314
10 years$6,863$6,203$5,601$5,052$4,553$3,575
11 years$6,175$5,522$4,931$4,397$3,916$2,989
12 years$5,603$4,957$4,376$3,857$3,393$2,516
13 years$5,119$4,479$3,910$3,405$2,959$2,130
14 years$4,704$4,072$3,513$3,022$2,594$1,811
15 years$4,345$3,719$3,172$2,695$2,284$1,546
16 years$4,032$3,413$2,876$2,413$2,019$1,324
17 years$3,755$3,143$2,617$2,168$1,790$1,137
18 years$3,510$2,904$2,389$1,954$1,591$978
19 years$3,290$2,692$2,187$1,766$1,418$844
20 years$3,093$2,501$2,007$1,599$1,267$729
21 years$2,915$2,330$1,846$1,451$1,134$630
22 years$2,753$2,175$1,701$1,320$1,016$546
23 years$2,605$2,034$1,571$1,202$912$473
24 years$2,470$1,906$1,453$1,096$820$410
25 years$2,346$1,788$1,346$1,001$738$356
26 years$2,232$1,681$1,248$915$665$310
27 years$2,126$1,582$1,159$838$599$269
28 years$2,028$1,491$1,077$768$541$234
29 years$1,937$1,406$1,003$704$488$204
30 years$1,852$1,328$934$646$441$177
31 years$1,773$1,255$871$593$399$154
32 years$1,699$1,188$812$545$361$134
33 years$1,630$1,125$758$501$326$117
34 years$1,564$1,066$709$461$296$102
35 years$1,503$1,011$662$425$268$89
36 years$1,445$960$620$391$243$78
37 years$1,391$912$580$360$220$68
38 years$1,339$866$543$332$199$59
39 years$1,290$824$509$306$181$51
40 years$1,244$784$477$283$164$45
41 years$1,200$746$447$261$149$39
42 years$1,159$711$420$241$135$34
43 years$1,119$677$394$222$122$30
44 years$1,081$645$370$205$111$26
45 years$1,045$615$347$189$101$23
46 years$1,011$587$326$175$92$20
47 years$978$560$306$162$83$17
48 years$947$535$288$149$76$15
49 years$917$511$270$138$69$13
50 years$888$488$254$128$62$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $910,000, adding $3,310 every year, while hoping to spend $27,439 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: 70/13/17 Blend
34$910,000$910,000$910,000$910,000
35$1,006,234$958,004$943,899$1,072,406
36$1,079,675$975,752$946,325$1,134,626
37$1,159,688$993,449$947,912$1,199,117
38$1,246,913$1,011,065$948,604$1,269,005
39$1,342,056$1,028,565$948,341$1,344,821
40$1,445,895$1,045,914$947,059$1,427,147
41$1,559,284$1,063,072$944,694$1,516,626
42$1,683,165$1,079,996$941,175$1,613,968
43$1,818,574$1,096,643$936,431$1,719,951
44$1,966,653$1,112,962$930,385$1,835,437
45$2,128,656$1,128,902$922,958$1,961,374
46$2,305,969$1,144,408$914,067$2,098,807
47$2,500,113$1,159,419$903,623$2,248,887
48$2,712,766$1,173,872$891,536$2,412,883
49$2,945,776$1,187,699$877,710$2,592,194
50$3,201,176$1,200,828$862,045$2,788,363
51$3,481,208$1,213,180$844,435$3,003,088
52$3,788,338$1,224,673$824,770$3,238,243
53$4,125,285$1,235,219$802,937$3,495,892
54$4,495,043$1,244,723$778,814$3,778,311
55$4,900,908$1,253,086$752,275$4,088,008
56$5,346,515$1,260,200$723,190$4,427,747
57$5,835,863$1,265,954$691,421$4,800,575
58$6,373,360$1,270,225$656,823$5,209,852
59$6,963,863$1,272,886$619,247$5,659,279
60$7,612,721$1,273,801$578,535$6,152,936
61$8,325,826$1,272,825$534,523$6,695,321
62$9,109,671$1,269,804$487,041$7,291,391
63$9,971,408$1,264,576$435,907$7,946,611
64$10,918,918$1,256,966$380,936$8,667,001
65$11,960,882$1,246,792$321,933$9,459,201
66$13,106,866$1,233,859$258,691$10,330,527
67$14,367,409$1,217,960$191,000$11,289,043
68$15,754,122$1,198,877$118,635$12,343,638
69$17,279,798$1,176,378$41,366$13,504,108
70$18,958,534$1,150,218$0$14,781,251
71$20,805,862$1,120,135$0$16,194,422
72$22,838,894$1,085,856$0$17,757,777
73$25,076,486$1,047,088$0$19,478,310
74$27,539,416$1,003,524$0$21,372,006
75$30,250,576$954,836$0$23,456,480
76$33,235,192$900,680$0$25,751,143
77$36,521,059$840,691$0$28,277,386
78$40,138,804$774,482$0$31,058,784
79$44,122,176$701,646$0$34,121,313
80$48,508,363$621,751$0$37,493,600
81$53,338,341$534,342$0$41,207,193
82$58,657,263$438,936$0$45,296,857
83$64,514,886$335,026$0$49,800,903
84$70,966,035$222,073$0$54,761,552
85$78,071,127$99,511$0$60,225,330
86$85,896,735$0$0$66,243,510
87$94,516,218$0$0$72,877,353
88$104,010,416$0$0$80,200,155
89$114,468,410$0$0$88,266,397
90$125,988,359$0$0$97,151,798
91$138,678,436$0$0$106,939,801
92$152,657,836$0$0$117,722,353
93$168,057,913$0$0$129,600,779
94$185,023,411$0$0$142,686,732
95$203,713,832$0$0$157,103,253
96$224,304,945$0$0$172,985,926
97$246,990,438$0$0$190,484,164
98$271,983,753$0$0$209,762,614
99$299,520,095$0$0$231,002,710
100$329,858,656$0$0$254,404,392