Can I retire at age 35 with 916,000?

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 $916,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$75,642$74,969$74,311$73,670$73,043$71,510
2 years$37,447$36,749$36,073$35,418$34,782$33,245
3 years$24,717$24,016$23,342$22,693$22,067$20,574
4 years$18,353$17,654$16,987$16,349$15,739$14,300
5 years$14,535$13,841$13,183$12,557$11,964$10,585
6 years$11,991$11,302$10,653$10,042$9,467$8,148
7 years$10,175$9,492$8,853$8,256$7,699$6,442
8 years$8,813$8,136$7,508$6,926$6,387$5,190
9 years$7,755$7,084$6,467$5,899$5,379$4,242
10 years$6,908$6,244$5,638$5,085$4,583$3,505
11 years$6,216$5,559$4,963$4,426$3,942$2,921
12 years$5,640$4,989$4,405$3,882$3,416$2,451
13 years$5,153$4,509$3,936$3,427$2,979$2,068
14 years$4,735$4,098$3,536$3,042$2,611$1,752
15 years$4,374$3,744$3,193$2,713$2,299$1,491
16 years$4,058$3,435$2,895$2,429$2,032$1,272
17 years$3,780$3,164$2,634$2,183$1,802$1,088
18 years$3,533$2,923$2,404$1,967$1,602$933
19 years$3,312$2,709$2,201$1,777$1,428$802
20 years$3,113$2,518$2,020$1,610$1,275$690
21 years$2,934$2,345$1,858$1,461$1,141$594
22 years$2,771$2,189$1,713$1,328$1,023$513
23 years$2,622$2,047$1,581$1,210$918$443
24 years$2,486$1,918$1,462$1,103$825$383
25 years$2,362$1,800$1,354$1,008$743$331
26 years$2,247$1,692$1,256$921$669$286
27 years$2,140$1,592$1,166$843$603$248
28 years$2,042$1,500$1,084$773$544$215
29 years$1,950$1,415$1,009$709$491$186
30 years$1,865$1,337$940$650$444$161
31 years$1,785$1,264$876$597$401$140
32 years$1,710$1,196$818$549$363$121
33 years$1,640$1,132$763$505$329$105
34 years$1,575$1,073$713$464$298$91
35 years$1,513$1,018$667$428$270$79
36 years$1,455$966$624$394$244$69
37 years$1,400$918$584$363$221$60
38 years$1,348$872$547$334$201$52
39 years$1,299$829$512$308$182$45
40 years$1,252$789$480$284$165$39
41 years$1,208$751$450$262$150$34
42 years$1,166$715$422$242$136$29
43 years$1,126$681$396$224$123$26
44 years$1,088$650$372$206$112$22
45 years$1,052$619$349$191$102$19
46 years$1,018$591$328$176$92$17
47 years$985$564$308$163$84$15
48 years$953$538$290$150$76$13
49 years$923$514$272$139$69$11
50 years$894$491$256$128$63$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $916,000, adding $4,715 every year, while hoping to spend $25,304 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: 49/24/27 Blend
34$916,000$916,000$916,000$916,000
35$1,014,296$965,748$951,550$1,056,017
36$1,090,830$986,146$956,503$1,106,112
37$1,174,324$1,006,696$960,775$1,157,622
38$1,265,459$1,027,378$964,314$1,213,090
39$1,364,987$1,048,171$967,071$1,272,901
40$1,473,736$1,069,052$968,988$1,337,481
41$1,592,618$1,089,996$970,010$1,407,301
42$1,722,635$1,110,976$970,075$1,482,878
43$1,864,893$1,131,963$969,122$1,564,784
44$2,020,607$1,152,924$967,082$1,653,649
45$2,191,117$1,173,825$963,888$1,750,169
46$2,377,898$1,194,630$959,465$1,855,110
47$2,582,574$1,215,297$953,738$1,969,318
48$2,806,934$1,235,784$946,625$2,093,726
49$3,052,949$1,256,045$938,045$2,229,362
50$3,322,788$1,276,029$927,907$2,377,362
51$3,618,841$1,295,683$916,121$2,538,976
52$3,943,741$1,314,950$902,589$2,715,586
53$4,300,388$1,333,768$887,211$2,908,713
54$4,691,976$1,352,071$869,881$3,120,037
55$5,122,024$1,369,789$850,489$3,351,408
56$5,594,408$1,386,846$828,917$3,604,869
57$6,113,398$1,403,162$805,047$3,882,672
58$6,683,698$1,418,651$778,750$4,187,300
59$7,310,491$1,433,221$749,894$4,521,490
60$7,999,487$1,446,774$718,341$4,888,264
61$8,756,975$1,459,206$683,945$5,290,950
62$9,589,885$1,470,405$646,556$5,733,222
63$10,505,852$1,480,254$606,014$6,219,127
64$11,513,288$1,488,626$562,156$6,753,130
65$12,621,463$1,495,388$514,807$7,340,155
66$13,840,586$1,500,396$463,787$7,985,629
67$15,181,909$1,503,499$408,907$8,695,536
68$16,657,829$1,504,536$349,971$9,476,476
69$18,282,005$1,503,335$286,772$10,335,723
70$20,069,487$1,499,716$219,097$11,281,299
71$22,036,858$1,493,486$146,719$12,322,047
72$24,202,390$1,484,438$69,407$13,467,717
73$26,586,215$1,472,357$0$14,729,057
74$29,210,519$1,457,013$0$16,121,693
75$32,099,746$1,438,161$0$17,676,498
76$35,280,831$1,415,542$0$19,387,934
77$38,783,455$1,388,882$0$21,271,958
78$42,640,322$1,357,892$0$23,346,157
79$46,887,469$1,322,263$0$25,629,912
80$51,564,607$1,281,670$0$28,144,583
81$56,715,494$1,235,769$0$30,913,711
82$62,388,347$1,184,194$0$33,963,240
83$68,636,299$1,126,560$0$37,321,764
84$75,517,898$1,062,458$0$41,020,793
85$83,097,663$991,458$0$45,095,057
86$91,446,687$913,102$0$49,582,829
87$100,643,313$826,908$0$54,526,290
88$110,773,871$732,366$0$59,971,928
89$121,933,491$628,938$0$65,970,974
90$134,227,004$516,052$0$72,579,892
91$147,769,929$393,109$0$79,860,905
92$162,689,563$259,473$0$87,882,592
93$179,126,183$114,471$0$96,720,530
94$197,234,370$0$0$106,458,009
95$217,184,468$0$0$117,198,074
96$239,164,190$0$0$129,064,253
97$263,380,391$0$0$142,138,009
98$290,061,020$0$0$156,542,428
99$319,457,273$0$0$172,413,147
100$351,845,958$0$0$189,899,637