Can I retire at age 35 with 921,000?

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 $921,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$76,055$75,378$74,717$74,072$73,442$71,464
2 years$37,651$36,950$36,270$35,611$34,972$32,993
3 years$24,851$24,147$23,469$22,817$22,188$20,270
4 years$18,453$17,751$17,080$16,438$15,825$13,983
5 years$14,615$13,917$13,255$12,626$12,030$10,269
6 years$12,057$11,364$10,712$10,097$9,519$7,841
7 years$10,230$9,544$8,901$8,301$7,741$6,146
8 years$8,861$8,181$7,549$6,964$6,422$4,909
9 years$7,797$7,123$6,502$5,932$5,408$3,976
10 years$6,946$6,278$5,669$5,113$4,608$3,255
11 years$6,250$5,589$4,991$4,450$3,963$2,686
12 years$5,671$5,017$4,429$3,903$3,434$2,232
13 years$5,181$4,534$3,957$3,446$2,995$1,864
14 years$4,761$4,121$3,555$3,059$2,625$1,564
15 years$4,398$3,764$3,210$2,728$2,311$1,316
16 years$4,080$3,454$2,910$2,443$2,043$1,112
17 years$3,800$3,181$2,648$2,195$1,811$941
18 years$3,552$2,939$2,418$1,978$1,611$798
19 years$3,330$2,724$2,213$1,787$1,436$678
20 years$3,130$2,531$2,031$1,619$1,282$577
21 years$2,950$2,358$1,868$1,469$1,147$491
22 years$2,786$2,201$1,722$1,336$1,029$419
23 years$2,637$2,058$1,590$1,216$923$357
24 years$2,500$1,929$1,470$1,109$830$305
25 years$2,374$1,810$1,362$1,013$747$261
26 years$2,259$1,701$1,263$926$673$223
27 years$2,152$1,601$1,173$848$606$191
28 years$2,053$1,509$1,090$777$547$163
29 years$1,961$1,423$1,015$712$494$140
30 years$1,875$1,344$945$654$446$120
31 years$1,795$1,271$881$601$404$102
32 years$1,720$1,202$822$552$365$88
33 years$1,649$1,138$768$508$330$75
34 years$1,583$1,079$717$467$299$64
35 years$1,521$1,023$670$430$271$55
36 years$1,463$971$627$396$246$47
37 years$1,408$923$587$365$223$41
38 years$1,355$877$550$336$202$35
39 years$1,306$834$515$310$183$30
40 years$1,259$793$483$286$166$26
41 years$1,215$755$453$264$151$22
42 years$1,173$719$425$243$137$19
43 years$1,132$685$398$225$124$16
44 years$1,094$653$374$208$113$14
45 years$1,058$623$351$192$102$12
46 years$1,023$594$330$177$93$10
47 years$990$567$310$164$84$9
48 years$958$541$291$151$76$7
49 years$928$517$274$140$69$6
50 years$899$494$257$129$63$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $921,000, adding $6,421 every year, while hoping to spend $27,283 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: 64/29/7 Blend
34$921,000$921,000$921,000$921,000
35$1,021,565$972,752$958,477$1,085,209
36$1,096,736$991,388$961,557$1,147,036
37$1,178,660$1,010,023$963,826$1,210,723
38$1,267,997$1,028,628$965,227$1,279,568
39$1,365,473$1,047,171$965,703$1,354,071
40$1,471,888$1,065,619$965,191$1,434,781
41$1,588,122$1,083,936$963,627$1,522,303
42$1,715,145$1,102,083$960,942$1,617,303
43$1,854,022$1,120,018$957,066$1,720,516
44$2,005,929$1,137,695$951,924$1,832,751
45$2,172,158$1,155,067$945,438$1,954,901
46$2,354,134$1,172,081$937,526$2,087,947
47$2,553,424$1,188,681$928,102$2,232,973
48$2,771,756$1,204,809$917,076$2,391,172
49$3,011,031$1,220,401$904,354$2,563,859
50$3,273,344$1,235,388$889,838$2,752,484
51$3,561,001$1,249,698$873,423$2,958,644
52$3,876,543$1,263,253$855,002$3,184,099
53$4,222,768$1,275,970$834,463$3,430,791
54$4,602,759$1,287,761$811,686$3,700,857
55$5,019,911$1,298,532$786,548$3,996,654
56$5,477,964$1,308,183$758,920$4,320,782
57$5,981,038$1,316,605$728,665$4,676,103
58$6,533,672$1,323,687$695,644$5,065,773
59$7,140,866$1,329,307$659,707$5,493,273
60$7,808,127$1,333,336$620,700$5,962,435
61$8,541,524$1,335,637$578,461$6,477,487
62$9,347,742$1,336,066$532,822$7,043,087
63$10,234,146$1,334,467$483,606$7,664,371
64$11,208,850$1,330,678$430,628$8,346,998
65$12,280,796$1,324,524$373,697$9,097,208
66$13,459,832$1,315,820$312,611$9,921,875
67$14,756,811$1,304,372$247,160$10,828,581
68$16,183,691$1,289,971$177,125$11,825,678
69$17,753,645$1,272,398$102,276$12,922,377
70$19,481,190$1,251,418$22,376$14,128,825
71$21,382,320$1,226,786$0$15,456,212
72$23,474,657$1,198,240$0$16,921,564
73$25,777,620$1,165,502$0$18,535,865
74$28,312,605$1,128,279$0$20,312,443
75$31,103,187$1,086,260$0$22,267,830
76$34,175,343$1,039,118$0$24,420,249
77$37,557,697$986,504$0$26,789,780
78$41,281,791$928,051$0$29,398,557
79$45,382,377$863,370$0$32,270,974
80$49,897,754$792,049$0$35,433,915
81$54,870,120$713,654$0$38,917,011
82$60,345,975$627,727$0$42,752,917
83$66,376,560$533,780$0$46,977,625
84$73,018,335$431,302$0$51,630,799
85$80,333,520$319,750$0$56,756,155
86$88,390,674$198,553$0$62,401,875
87$97,265,347$67,106$0$68,621,058
88$107,040,789$0$0$75,472,224
89$117,808,739$0$0$83,043,877
90$129,670,288$0$0$91,408,197
91$142,736,835$0$0$100,622,332
92$157,131,135$0$0$110,772,860
93$172,988,461$0$0$121,955,185
94$190,457,877$0$0$134,274,436
95$209,703,649$0$0$147,846,465
96$230,906,790$0$0$162,798,937
97$254,266,772$0$0$179,272,532
98$280,003,409$0$0$197,422,280
99$308,358,927$0$0$217,419,017
100$339,600,256$0$0$239,451,000