Can I retire at age 35 with 922,000?

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 $922,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$76,138$75,460$74,798$74,152$73,522$72,754
2 years$37,692$36,990$36,310$35,650$35,010$34,237
3 years$24,878$24,173$23,495$22,841$22,212$21,457
4 years$18,473$17,770$17,098$16,456$15,842$15,112
5 years$14,631$13,932$13,269$12,640$12,043$11,339
6 years$12,070$11,376$10,723$10,108$9,529$8,853
7 years$10,241$9,554$8,911$8,310$7,750$7,101
8 years$8,871$8,189$7,557$6,971$6,429$5,808
9 years$7,805$7,130$6,509$5,938$5,414$4,821
10 years$6,953$6,285$5,675$5,119$4,613$4,047
11 years$6,257$5,595$4,996$4,455$3,967$3,428
12 years$5,677$5,022$4,434$3,907$3,438$2,924
13 years$5,186$4,538$3,961$3,450$2,998$2,510
14 years$4,766$4,125$3,559$3,062$2,628$2,164
15 years$4,403$3,769$3,214$2,731$2,314$1,874
16 years$4,085$3,458$2,914$2,445$2,045$1,629
17 years$3,805$3,184$2,651$2,197$1,813$1,420
18 years$3,556$2,942$2,420$1,980$1,612$1,240
19 years$3,333$2,727$2,216$1,789$1,437$1,086
20 years$3,134$2,534$2,033$1,620$1,284$953
21 years$2,953$2,360$1,870$1,471$1,149$837
22 years$2,789$2,203$1,724$1,337$1,030$737
23 years$2,640$2,061$1,592$1,218$924$649
24 years$2,503$1,931$1,472$1,111$831$572
25 years$2,377$1,812$1,363$1,014$748$505
26 years$2,261$1,703$1,264$927$673$446
27 years$2,154$1,603$1,174$849$607$395
28 years$2,055$1,510$1,091$778$548$349
29 years$1,963$1,425$1,016$713$495$309
30 years$1,877$1,345$946$655$447$274
31 years$1,797$1,272$882$601$404$242
32 years$1,722$1,203$823$552$366$215
33 years$1,651$1,140$768$508$331$190
34 years$1,585$1,080$718$467$300$169
35 years$1,523$1,025$671$430$271$150
36 years$1,464$972$628$396$246$133
37 years$1,409$924$588$365$223$118
38 years$1,357$878$550$337$202$105
39 years$1,307$835$516$310$183$93
40 years$1,261$794$483$286$166$83
41 years$1,216$756$453$264$151$73
42 years$1,174$720$425$244$137$65
43 years$1,134$686$399$225$124$58
44 years$1,095$654$374$208$113$51
45 years$1,059$623$352$192$102$46
46 years$1,024$595$330$177$93$41
47 years$991$568$310$164$84$36
48 years$959$542$292$151$77$32
49 years$929$517$274$140$70$28
50 years$900$494$258$129$63$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $922,000, adding $6,665 every year, while hoping to spend $42,893 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: 40/46/14 Blend
34$922,000$922,000$922,000$922,000
35$1,022,919$974,053$959,762$1,059,322
36$1,081,619$976,144$946,276$1,087,827
37$1,144,869$976,899$930,901$1,113,946
38$1,213,087$976,209$913,528$1,141,270
39$1,286,734$973,956$894,043$1,169,931
40$1,366,315$970,014$872,328$1,200,074
41$1,452,386$964,251$848,258$1,231,862
42$1,545,558$956,528$821,703$1,265,477
43$1,646,501$946,694$792,526$1,301,124
44$1,755,955$934,593$760,586$1,339,031
45$1,874,730$920,056$725,734$1,379,455
46$2,003,720$902,906$687,813$1,422,681
47$2,143,906$882,955$646,662$1,469,028
48$2,296,370$860,005$602,111$1,518,851
49$2,462,299$833,845$553,981$1,572,547
50$2,643,002$804,251$502,087$1,630,558
51$2,839,916$770,988$446,236$1,693,377
52$3,054,627$733,806$386,224$1,761,553
53$3,288,877$692,441$321,841$1,835,695
54$3,544,586$646,613$252,865$1,916,483
55$3,823,863$596,027$179,066$2,004,672
56$4,129,036$540,371$100,204$2,101,101
57$4,462,664$479,315$16,026$2,206,704
58$4,827,564$412,510$0$2,322,517
59$5,226,839$339,587$0$2,460,715
60$5,663,907$260,157$0$2,614,821
61$6,142,530$173,808$0$2,783,900
62$6,666,850$80,108$0$2,969,567
63$7,241,432$0$0$3,173,612
64$7,871,299$0$0$3,408,851
65$8,561,987$0$0$3,711,390
66$9,319,592$0$0$4,043,366
67$10,150,827$0$0$4,407,736
68$11,063,088$0$0$4,807,758
69$12,064,521$0$0$5,247,021
70$13,164,100$0$0$5,729,479
71$14,371,709$0$0$6,259,485
72$15,698,238$0$0$6,841,839
73$17,155,682$0$0$7,481,825
74$18,757,257$0$0$8,185,267
75$20,517,520$0$0$8,958,578
76$22,452,512$0$0$9,808,828
77$24,579,902$0$0$10,743,802
78$26,919,159$0$0$11,772,080
79$29,491,732$0$0$12,903,112
80$32,321,252$0$0$14,147,314
81$35,433,756$0$0$15,516,159
82$38,857,930$0$0$17,022,290
83$42,625,384$0$0$18,679,635
84$46,770,942$0$0$20,503,544
85$51,332,976$0$0$22,510,926
86$56,353,768$0$0$24,720,416
87$61,879,902$0$0$27,152,546
88$67,962,710$0$0$29,829,938
89$74,658,753$0$0$32,777,521
90$82,030,354$0$0$36,022,763
91$90,146,184$0$0$39,595,930
92$99,081,915$0$0$43,530,374
93$108,920,926$0$0$47,862,845
94$119,755,094$0$0$52,633,837
95$131,685,662$0$0$57,887,974
96$144,824,186$0$0$63,674,425
97$159,293,598$0$0$70,047,373
98$175,229,357$0$0$77,066,524
99$192,780,728$0$0$84,797,670
100$212,112,196$0$0$93,313,309