Can I retire at age 35 with 912,000?

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 $912,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$75,312$74,641$73,987$73,348$72,724$71,756
2 years$37,283$36,589$35,916$35,263$34,631$33,657
3 years$24,609$23,911$23,240$22,594$21,971$21,022
4 years$18,273$17,577$16,913$16,277$15,670$14,752
5 years$14,472$13,781$13,125$12,503$11,912$11,029
6 years$11,939$11,253$10,607$9,998$9,426$8,578
7 years$10,130$9,450$8,814$8,220$7,666$6,854
8 years$8,775$8,101$7,475$6,896$6,359$5,584
9 years$7,721$7,053$6,438$5,874$5,355$4,615
10 years$6,878$6,217$5,613$5,063$4,563$3,858
11 years$6,189$5,535$4,942$4,406$3,924$3,254
12 years$5,615$4,968$4,386$3,865$3,401$2,763
13 years$5,130$4,489$3,918$3,412$2,966$2,361
14 years$4,715$4,081$3,521$3,029$2,600$2,027
15 years$4,355$3,728$3,179$2,701$2,289$1,747
16 years$4,041$3,420$2,882$2,419$2,023$1,511
17 years$3,763$3,150$2,622$2,173$1,794$1,310
18 years$3,517$2,911$2,394$1,959$1,595$1,139
19 years$3,297$2,697$2,192$1,770$1,422$992
20 years$3,100$2,507$2,011$1,603$1,270$866
21 years$2,921$2,335$1,850$1,455$1,136$757
22 years$2,759$2,179$1,705$1,323$1,019$662
23 years$2,611$2,038$1,574$1,205$914$580
24 years$2,476$1,910$1,456$1,099$822$509
25 years$2,351$1,792$1,349$1,003$739$447
26 years$2,237$1,684$1,251$917$666$393
27 years$2,131$1,585$1,161$840$601$345
28 years$2,033$1,494$1,080$769$542$304
29 years$1,941$1,409$1,005$705$489$267
30 years$1,856$1,331$936$647$442$235
31 years$1,777$1,258$872$595$400$207
32 years$1,703$1,190$814$547$362$183
33 years$1,633$1,127$760$503$327$161
34 years$1,568$1,068$710$462$296$142
35 years$1,506$1,013$664$426$268$125
36 years$1,448$962$621$392$243$110
37 years$1,394$914$581$361$220$97
38 years$1,342$868$544$333$200$86
39 years$1,293$826$510$307$181$76
40 years$1,247$785$478$283$164$67
41 years$1,203$748$448$261$149$59
42 years$1,161$712$420$241$135$52
43 years$1,121$678$395$223$123$46
44 years$1,084$647$370$205$111$41
45 years$1,048$617$348$190$101$36
46 years$1,013$588$327$175$92$32
47 years$980$561$307$162$83$28
48 years$949$536$288$150$76$25
49 years$919$512$271$138$69$22
50 years$890$489$255$128$62$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $912,000, adding $4,249 every year, while hoping to spend $25,032 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: 72/9/19 Blend
34$912,000$912,000$912,000$912,000
35$1,009,407$961,071$946,935$1,077,214
36$1,085,732$981,529$952,023$1,143,317
37$1,169,004$1,002,152$956,443$1,212,274
38$1,259,905$1,022,919$960,146$1,287,158
39$1,359,184$1,043,811$963,080$1,368,554
40$1,467,669$1,064,806$965,191$1,457,105
41$1,586,270$1,085,880$966,424$1,553,519
42$1,715,988$1,107,007$966,718$1,658,578
43$1,857,928$1,128,159$966,011$1,773,141
44$2,013,302$1,149,305$964,239$1,898,158
45$2,183,450$1,170,411$961,331$2,034,672
46$2,369,843$1,191,443$957,218$2,183,835
47$2,574,105$1,212,361$951,822$2,346,916
48$2,798,021$1,233,125$945,066$2,525,313
49$3,043,559$1,253,688$936,866$2,720,567
50$3,312,887$1,274,003$927,135$2,934,375
51$3,608,391$1,294,019$915,784$3,168,610
52$3,932,701$1,313,680$902,716$3,425,333
53$4,288,712$1,332,926$887,833$3,706,817
54$4,679,615$1,351,693$871,030$4,015,567
55$5,108,924$1,369,914$852,197$4,354,343
56$5,580,509$1,387,516$831,222$4,726,188
57$6,098,637$1,404,420$807,983$5,134,456
58$6,668,005$1,420,543$782,357$5,582,840
59$7,293,788$1,435,796$754,213$6,075,415
60$7,981,689$1,450,084$723,413$6,616,668
61$8,737,989$1,463,307$689,816$7,211,547
62$9,569,611$1,475,356$653,272$7,865,504
63$10,484,179$1,486,116$613,624$8,584,547
64$11,490,094$1,495,465$570,710$9,375,300
65$12,596,614$1,503,273$524,359$10,245,061
66$13,813,937$1,509,401$474,392$11,201,874
67$15,153,299$1,513,702$420,625$12,254,604
68$16,627,081$1,516,020$362,862$13,413,024
69$18,248,927$1,516,188$300,901$14,687,900
70$20,033,865$1,514,029$234,529$16,091,101
71$21,998,459$1,509,356$163,526$17,635,708
72$24,160,958$1,501,971$87,660$19,336,135
73$26,541,469$1,491,661$6,690$21,208,271
74$29,162,150$1,478,203$0$23,269,624
75$32,047,413$1,461,359$0$25,555,654
76$35,224,161$1,440,877$0$28,073,964
77$38,722,037$1,416,491$0$30,846,691
78$42,573,704$1,387,918$0$33,899,724
79$46,815,154$1,354,859$0$37,261,593
80$51,486,049$1,316,996$0$40,963,736
81$56,630,091$1,273,994$0$45,040,797
82$62,295,438$1,225,498$0$49,530,951
83$68,535,156$1,171,131$0$54,476,269
84$75,407,721$1,110,496$0$59,923,108
85$82,977,571$1,043,172$0$65,922,557
86$91,315,710$968,714$0$72,530,911
87$100,500,384$886,653$0$79,810,207
88$110,617,815$796,491$0$87,828,812
89$121,763,015$697,701$0$96,662,061
90$134,040,684$589,730$0$106,392,974
91$147,566,198$471,991$0$117,113,039
92$162,466,694$343,863$0$128,923,075
93$178,882,277$204,692$0$141,934,181
94$196,967,335$53,788$0$156,268,791
95$216,891,999$0$0$172,061,825
96$238,843,750$0$0$189,472,815
97$263,029,185$0$0$208,661,393
98$289,675,971$0$0$229,802,869
99$319,034,991$0$0$253,096,304
100$351,382,710$0$0$278,761,056