Can I retire at age 35 with 913,000?

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 $913,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$75,395$74,723$74,068$73,428$72,804$71,247
2 years$37,324$36,629$35,955$35,302$34,669$33,107
3 years$24,636$23,937$23,265$22,618$21,995$20,478
4 years$18,293$17,597$16,931$16,295$15,687$14,227
5 years$14,488$13,796$13,139$12,516$11,925$10,525
6 years$11,952$11,265$10,619$10,009$9,436$8,098
7 years$10,141$9,461$8,824$8,229$7,674$6,398
8 years$8,784$8,110$7,484$6,903$6,366$5,152
9 years$7,729$7,061$6,446$5,880$5,361$4,208
10 years$6,886$6,224$5,619$5,069$4,568$3,475
11 years$6,196$5,541$4,947$4,411$3,929$2,894
12 years$5,621$4,973$4,391$3,869$3,405$2,427
13 years$5,136$4,494$3,923$3,416$2,969$2,046
14 years$4,720$4,085$3,525$3,032$2,602$1,733
15 years$4,360$3,732$3,182$2,704$2,291$1,473
16 years$4,045$3,424$2,885$2,421$2,025$1,256
17 years$3,767$3,153$2,625$2,176$1,796$1,074
18 years$3,521$2,914$2,397$1,961$1,597$920
19 years$3,301$2,700$2,194$1,772$1,423$790
20 years$3,103$2,509$2,014$1,605$1,271$679
21 years$2,924$2,337$1,852$1,456$1,138$585
22 years$2,762$2,182$1,707$1,324$1,020$504
23 years$2,614$2,041$1,576$1,206$915$435
24 years$2,478$1,912$1,458$1,100$823$375
25 years$2,354$1,794$1,350$1,004$740$324
26 years$2,239$1,686$1,252$918$667$281
27 years$2,133$1,587$1,163$841$601$243
28 years$2,035$1,495$1,081$770$542$210
29 years$1,944$1,411$1,006$706$490$182
30 years$1,858$1,332$937$648$443$158
31 years$1,779$1,259$873$595$400$136
32 years$1,705$1,192$815$547$362$118
33 years$1,635$1,129$761$503$328$103
34 years$1,570$1,070$711$463$297$89
35 years$1,508$1,015$665$426$269$77
36 years$1,450$963$622$392$243$67
37 years$1,395$915$582$362$221$58
38 years$1,344$869$545$333$200$50
39 years$1,295$826$511$307$181$44
40 years$1,248$786$479$283$164$38
41 years$1,204$749$449$262$149$33
42 years$1,162$713$421$241$135$28
43 years$1,123$679$395$223$123$25
44 years$1,085$647$371$206$112$21
45 years$1,049$617$348$190$101$19
46 years$1,014$589$327$175$92$16
47 years$981$562$307$162$83$14
48 years$950$537$289$150$76$12
49 years$920$512$271$138$69$11
50 years$891$489$255$128$63$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $913,000, adding $4,640 every year, while hoping to spend $21,216 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: 28/45/27 Blend
34$913,000$913,000$913,000$913,000
35$1,010,912$962,523$948,372$1,030,639
36$1,091,452$987,113$957,568$1,071,296
37$1,179,495$1,012,197$966,362$1,112,800
38$1,275,785$1,037,776$974,717$1,156,961
39$1,381,140$1,063,853$982,595$1,204,023
40$1,496,462$1,090,426$989,957$1,254,251
41$1,622,741$1,117,497$996,761$1,307,941
42$1,761,070$1,145,064$1,002,962$1,365,416
43$1,912,652$1,173,125$1,008,514$1,427,035
44$2,078,812$1,201,678$1,013,369$1,493,191
45$2,261,009$1,230,718$1,017,475$1,564,319
46$2,460,850$1,260,241$1,020,778$1,640,896
47$2,680,105$1,290,242$1,023,223$1,723,451
48$2,920,724$1,320,712$1,024,749$1,812,566
49$3,184,854$1,351,644$1,025,295$1,908,881
50$3,474,862$1,383,027$1,024,795$2,013,104
51$3,793,353$1,414,850$1,023,180$2,126,014
52$4,143,198$1,447,100$1,020,379$2,248,472
53$4,527,558$1,479,762$1,016,317$2,381,425
54$4,949,919$1,512,821$1,010,913$2,525,918
55$5,414,118$1,546,256$1,004,086$2,683,103
56$5,924,384$1,580,048$995,748$2,854,252
57$6,485,374$1,614,174$985,809$3,040,766
58$7,102,221$1,648,608$974,173$3,244,189
59$7,780,580$1,683,322$960,740$3,466,226
60$8,526,681$1,718,286$945,407$3,708,755
61$9,347,387$1,753,467$928,062$3,973,849
62$10,250,261$1,788,827$908,593$4,263,791
63$11,243,636$1,824,328$886,879$4,581,100
64$12,336,692$1,859,925$862,794$4,928,555
65$13,539,545$1,895,572$836,209$5,309,217
66$14,863,341$1,931,217$806,984$5,726,463
67$16,320,362$1,966,807$774,978$6,184,018
68$17,924,139$2,002,280$740,040$6,685,986
69$19,689,583$2,037,574$702,013$7,236,895
70$21,633,123$2,072,618$660,733$7,841,735
71$23,772,863$2,107,338$616,029$8,506,011
72$26,128,752$2,141,654$567,723$9,235,788
73$28,722,769$2,175,479$515,626$10,037,758
74$31,579,136$2,208,722$459,544$10,919,295
75$34,724,541$2,241,283$399,272$11,888,531
76$38,188,395$2,273,057$334,598$12,954,432
77$42,003,103$2,303,928$265,299$14,126,880
78$46,204,375$2,333,776$191,142$15,416,772
79$50,831,561$2,362,471$111,886$16,836,122
80$55,928,022$2,389,874$27,275$18,398,172
81$61,541,538$2,415,836$0$20,117,523
82$67,724,763$2,440,199$0$22,028,423
83$74,535,714$2,462,795$0$24,140,027
84$82,038,328$2,483,443$0$26,464,110
85$90,303,058$2,501,952$0$29,022,321
86$99,407,540$2,518,118$0$31,838,518
87$109,437,327$2,531,723$0$34,938,996
88$120,486,693$2,542,537$0$38,352,735
89$132,659,528$2,550,313$0$42,111,673
90$146,070,313$2,554,792$0$46,251,012
91$160,845,203$2,555,694$0$50,809,545
92$177,123,216$2,552,726$0$55,830,029
93$195,057,549$2,545,574$0$61,359,584
94$214,817,018$2,533,906$0$67,450,144
95$236,587,656$2,517,370$0$74,158,944
96$260,574,467$2,495,591$0$81,549,061
97$287,003,362$2,468,174$0$89,690,016
98$316,123,288$2,434,698$0$98,658,423
99$348,208,582$2,394,717$0$108,538,722
100$383,561,560$2,347,760$0$119,423,970