Can I retire at age 35 with 917,000?

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 $917,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$75,725$75,050$74,392$73,750$73,123$71,355
2 years$37,488$36,789$36,113$35,457$34,820$33,050
3 years$24,743$24,042$23,367$22,717$22,092$20,374
4 years$18,373$17,674$17,005$16,367$15,756$14,104
5 years$14,551$13,856$13,197$12,571$11,977$10,396
6 years$12,004$11,315$10,665$10,053$9,477$7,968
7 years$10,186$9,502$8,863$8,265$7,708$6,271
8 years$8,823$8,145$7,516$6,934$6,394$5,029
9 years$7,763$7,092$6,474$5,906$5,385$4,091
10 years$6,916$6,251$5,644$5,091$4,588$3,363
11 years$6,223$5,565$4,969$4,431$3,946$2,788
12 years$5,646$4,995$4,410$3,886$3,419$2,327
13 years$5,158$4,514$3,940$3,431$2,982$1,953
14 years$4,741$4,103$3,540$3,046$2,614$1,646
15 years$4,379$3,748$3,196$2,716$2,301$1,393
16 years$4,063$3,439$2,898$2,432$2,034$1,182
17 years$3,784$3,167$2,637$2,185$1,804$1,005
18 years$3,537$2,926$2,407$1,969$1,604$857
19 years$3,315$2,712$2,204$1,779$1,429$732
20 years$3,117$2,520$2,022$1,612$1,277$626
21 years$2,937$2,348$1,860$1,463$1,143$536
22 years$2,774$2,191$1,714$1,330$1,024$459
23 years$2,625$2,050$1,583$1,211$919$394
24 years$2,489$1,920$1,464$1,105$826$339
25 years$2,364$1,802$1,356$1,009$744$291
26 years$2,249$1,694$1,258$922$670$250
27 years$2,142$1,594$1,168$844$604$215
28 years$2,044$1,502$1,086$774$545$185
29 years$1,952$1,417$1,010$709$492$159
30 years$1,867$1,338$941$651$445$137
31 years$1,787$1,265$877$598$402$118
32 years$1,712$1,197$818$549$364$102
33 years$1,642$1,134$764$505$329$88
34 years$1,576$1,074$714$465$298$76
35 years$1,515$1,019$668$428$270$65
36 years$1,456$967$625$394$244$56
37 years$1,401$919$585$363$222$48
38 years$1,349$873$547$335$201$42
39 years$1,300$830$513$309$182$36
40 years$1,254$790$481$285$165$31
41 years$1,209$752$451$263$150$27
42 years$1,167$716$423$242$136$23
43 years$1,128$682$397$224$123$20
44 years$1,090$650$372$207$112$17
45 years$1,053$620$350$191$102$15
46 years$1,019$592$328$176$92$13
47 years$986$565$309$163$84$11
48 years$954$539$290$150$76$10
49 years$924$515$273$139$69$8
50 years$895$492$256$129$63$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $917,000, adding $3,474 every year, while hoping to spend $20,609 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: 69/20/11 Blend
34$917,000$917,000$917,000$917,000
35$1,014,117$965,516$951,303$1,081,528
36$1,095,630$990,899$961,244$1,152,103
37$1,184,765$1,016,834$970,827$1,226,469
38$1,282,280$1,043,328$980,019$1,307,281
39$1,389,007$1,070,385$988,783$1,395,168
40$1,505,862$1,098,010$997,083$1,490,825
41$1,633,854$1,126,207$1,004,880$1,595,015
42$1,774,094$1,154,978$1,012,131$1,708,579
43$1,927,807$1,184,328$1,018,792$1,832,444
44$2,096,341$1,214,257$1,024,819$1,967,630
45$2,281,179$1,244,768$1,030,163$2,115,260
46$2,483,958$1,275,860$1,034,772$2,276,573
47$2,706,479$1,307,534$1,038,594$2,452,932
48$2,950,725$1,339,789$1,041,572$2,645,840
49$3,218,883$1,372,622$1,043,648$2,856,949
50$3,513,358$1,406,030$1,044,760$3,088,085
51$3,836,804$1,440,008$1,044,842$3,341,254
52$4,192,141$1,474,552$1,043,828$3,618,670
53$4,582,589$1,509,654$1,041,645$3,922,769
54$5,011,691$1,545,306$1,038,219$4,256,239
55$5,483,355$1,581,497$1,033,471$4,622,037
56$6,001,884$1,618,217$1,027,318$5,023,424
57$6,572,018$1,655,451$1,019,675$5,463,994
58$7,198,981$1,693,186$1,010,452$5,947,703
59$7,888,527$1,731,402$999,552$6,478,914
60$8,646,998$1,770,082$986,878$7,062,432
61$9,481,379$1,809,203$972,325$7,703,554
62$10,399,367$1,848,741$955,786$8,408,114
63$11,409,442$1,888,669$937,144$9,182,542
64$12,520,950$1,928,958$916,283$10,033,925
65$13,744,185$1,969,575$893,077$10,970,070
66$15,090,492$2,010,485$867,395$11,999,581
67$16,572,371$2,051,648$839,102$13,131,938
68$18,203,595$2,093,021$808,054$14,377,590
69$19,999,341$2,134,558$774,103$15,748,050
70$21,976,330$2,176,208$737,092$17,256,005
71$24,152,990$2,217,916$696,858$18,915,437
72$26,549,624$2,259,623$653,232$20,741,751
73$29,188,605$2,301,263$606,035$22,751,927
74$32,094,585$2,342,769$555,080$24,964,674
75$35,294,732$2,384,063$500,174$27,400,611
76$38,818,978$2,425,065$441,113$30,082,459
77$42,700,309$2,465,689$377,685$33,035,258
78$46,975,072$2,505,839$309,669$36,286,600
79$51,683,320$2,545,416$236,834$39,866,894
80$56,869,188$2,584,310$158,937$43,809,648
81$62,581,311$2,622,408$75,728$48,151,792
82$68,873,282$2,659,583$0$52,934,020
83$75,804,157$2,695,702$0$58,202,714
84$83,439,014$2,730,625$0$64,015,345
85$91,849,565$2,764,198$0$70,417,512
86$101,114,836$2,796,259$0$77,469,271
87$111,321,908$2,826,634$0$85,236,800
88$122,566,742$2,855,138$0$93,793,027
89$134,955,084$2,881,574$0$103,218,317
90$148,603,462$2,905,731$0$113,601,233
91$163,640,289$2,927,386$0$125,039,368
92$180,207,069$2,946,298$0$137,640,271
93$198,459,738$2,962,214$0$151,522,457
94$218,570,132$2,974,864$0$166,816,533
95$240,727,614$2,983,961$0$183,666,422
96$265,140,853$2,989,197$0$202,230,731
97$292,039,802$2,990,250$0$222,684,243
98$321,677,863$2,986,773$0$245,219,565
99$354,334,281$2,978,401$0$270,048,955
100$390,316,780$2,964,746$0$297,406,318