Can I retire at age 35 with 911,000?

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 $911,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$75,230$74,559$73,906$73,268$72,644$70,659
2 years$37,242$36,549$35,877$35,225$34,593$32,607
3 years$24,582$23,885$23,214$22,569$21,947$20,023
4 years$18,252$17,558$16,894$16,260$15,653$13,805
5 years$14,456$13,766$13,111$12,489$11,899$10,133
6 years$11,926$11,241$10,595$9,987$9,415$7,733
7 years$10,119$9,440$8,805$8,211$7,657$6,058
8 years$8,765$8,092$7,467$6,888$6,352$4,836
9 years$7,712$7,045$6,431$5,867$5,350$3,914
10 years$6,870$6,210$5,607$5,058$4,558$3,202
11 years$6,182$5,529$4,936$4,402$3,920$2,641
12 years$5,609$4,962$4,381$3,861$3,397$2,193
13 years$5,125$4,484$3,914$3,409$2,962$1,831
14 years$4,710$4,076$3,517$3,026$2,597$1,535
15 years$4,350$3,724$3,175$2,698$2,286$1,291
16 years$4,036$3,416$2,879$2,416$2,021$1,089
17 years$3,759$3,146$2,620$2,171$1,792$921
18 years$3,513$2,907$2,391$1,956$1,593$781
19 years$3,294$2,694$2,189$1,768$1,420$663
20 years$3,096$2,504$2,009$1,601$1,268$563
21 years$2,918$2,332$1,848$1,453$1,135$479
22 years$2,756$2,177$1,703$1,321$1,017$408
23 years$2,608$2,036$1,573$1,203$913$348
24 years$2,473$1,908$1,454$1,097$821$297
25 years$2,349$1,790$1,347$1,002$739$254
26 years$2,234$1,683$1,249$916$665$217
27 years$2,128$1,584$1,160$839$600$185
28 years$2,030$1,492$1,078$768$541$158
29 years$1,939$1,408$1,004$705$489$135
30 years$1,854$1,329$935$647$442$116
31 years$1,775$1,257$872$594$399$99
32 years$1,701$1,189$813$546$361$85
33 years$1,631$1,126$759$502$327$73
34 years$1,566$1,067$709$462$296$62
35 years$1,505$1,012$663$425$268$53
36 years$1,447$961$620$392$243$46
37 years$1,392$913$581$361$220$39
38 years$1,341$867$544$333$200$33
39 years$1,292$825$509$307$181$29
40 years$1,245$785$478$283$164$25
41 years$1,202$747$448$261$149$21
42 years$1,160$711$420$241$135$18
43 years$1,120$678$394$222$123$15
44 years$1,082$646$370$205$111$13
45 years$1,046$616$347$190$101$11
46 years$1,012$588$326$175$92$10
47 years$979$561$307$162$83$8
48 years$948$535$288$149$76$7
49 years$918$511$271$138$69$6
50 years$889$488$255$128$62$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $911,000, adding $3,033 every year, while hoping to spend $29,976 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: 44/29/27 Blend
34$911,000$911,000$911,000$911,000
35$1,007,051$958,768$944,647$1,043,351
36$1,077,875$973,853$944,398$1,084,599
37$1,154,920$988,673$943,137$1,126,181
38$1,238,786$1,003,183$940,797$1,170,678
39$1,330,139$1,017,334$937,309$1,218,377
40$1,429,706$1,031,077$932,602$1,269,598
41$1,538,292$1,044,356$926,600$1,324,691
42$1,656,780$1,057,112$919,224$1,384,046
43$1,786,144$1,069,283$910,391$1,448,092
44$1,927,455$1,080,802$900,013$1,517,304
45$2,081,892$1,091,598$888,000$1,592,207
46$2,250,754$1,101,594$874,257$1,673,382
47$2,435,469$1,110,711$858,683$1,761,467
48$2,637,612$1,118,861$841,174$1,857,172
49$2,858,916$1,125,953$821,621$1,961,279
50$3,101,290$1,131,889$799,909$2,074,651
51$3,366,835$1,136,565$775,920$2,198,242
52$3,657,865$1,139,870$749,526$2,333,106
53$3,976,931$1,141,687$720,599$2,480,408
54$4,326,839$1,141,890$689,000$2,641,432
55$4,710,682$1,140,348$654,587$2,817,597
56$5,131,866$1,136,920$617,210$3,010,471
57$5,594,142$1,131,455$576,712$3,221,784
58$6,101,644$1,123,795$532,931$3,453,446
59$6,658,923$1,113,773$485,696$3,707,565
60$7,270,994$1,101,209$434,828$3,986,469
61$7,943,382$1,085,914$380,141$4,292,728
62$8,682,171$1,067,689$321,440$4,629,177
63$9,494,068$1,046,320$258,523$4,998,945
64$10,386,456$1,021,584$191,177$5,405,486
65$11,367,474$993,240$119,181$5,852,613
66$12,446,086$961,039$42,303$6,344,530
67$13,632,169$924,712$0$6,885,879
68$14,936,605$883,978$0$7,493,228
69$16,371,383$838,537$0$8,174,528
70$17,949,712$788,073$0$8,923,887
71$19,686,147$732,253$0$9,748,260
72$21,596,724$670,724$0$10,655,315
73$23,699,111$603,110$0$11,653,505
74$26,012,777$529,019$0$12,752,149
75$28,559,171$448,033$0$13,961,519
76$31,361,931$359,710$0$15,292,942
77$34,447,098$263,586$0$16,758,903
78$37,843,369$159,169$0$18,373,167
79$41,582,364$45,939$0$20,150,905
80$45,698,923$0$0$22,108,846
81$50,231,440$0$0$24,289,887
82$55,222,216$0$0$26,707,725
83$60,717,868$0$0$29,370,301
84$66,769,760$0$0$32,302,519
85$73,434,494$0$0$35,531,822
86$80,774,438$0$0$39,088,449
87$88,858,319$0$0$43,005,721
88$97,761,871$0$0$47,320,358
89$107,568,544$0$0$52,072,822
90$118,370,300$0$0$57,307,699
91$130,268,473$0$0$63,074,123
92$143,374,727$0$0$69,426,234
93$157,812,114$0$0$76,423,696
94$173,716,230$0$0$84,132,251
95$191,236,494$0$0$92,624,350
96$210,537,564$0$0$101,979,827
97$231,800,883$0$0$112,286,658
98$255,226,398$0$0$123,641,790
99$281,034,443$0$0$136,152,055
100$309,467,820$0$0$149,935,179