Can I retire at age 35 with 923,000?

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 $923,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$76,220$75,542$74,879$74,233$73,601$71,446
2 years$37,733$37,030$36,349$35,689$35,048$32,894
3 years$24,905$24,200$23,520$22,866$22,236$20,151
4 years$18,493$17,789$17,117$16,474$15,859$13,858
5 years$14,646$13,947$13,283$12,653$12,056$10,145
6 years$12,083$11,389$10,735$10,119$9,539$7,721
7 years$10,253$9,564$8,921$8,319$7,758$6,032
8 years$8,880$8,198$7,565$6,979$6,436$4,801
9 years$7,814$7,138$6,516$5,945$5,420$3,874
10 years$6,961$6,292$5,681$5,124$4,618$3,159
11 years$6,264$5,601$5,001$4,460$3,972$2,598
12 years$5,683$5,027$4,439$3,912$3,442$2,150
13 years$5,192$4,543$3,966$3,453$3,001$1,788
14 years$4,772$4,130$3,563$3,066$2,631$1,494
15 years$4,407$3,773$3,217$2,734$2,317$1,252
16 years$4,089$3,461$2,917$2,448$2,047$1,053
17 years$3,809$3,188$2,654$2,199$1,815$887
18 years$3,560$2,946$2,423$1,982$1,614$749
19 years$3,337$2,730$2,218$1,791$1,439$633
20 years$3,137$2,537$2,036$1,622$1,285$536
21 years$2,956$2,363$1,872$1,472$1,150$455
22 years$2,792$2,206$1,726$1,339$1,031$386
23 years$2,642$2,063$1,593$1,219$925$328
24 years$2,505$1,933$1,474$1,112$832$279
25 years$2,380$1,814$1,365$1,015$748$237
26 years$2,264$1,705$1,266$928$674$202
27 years$2,157$1,604$1,175$850$608$172
28 years$2,057$1,512$1,093$779$548$146
29 years$1,965$1,426$1,017$714$495$124
30 years$1,879$1,347$947$655$447$106
31 years$1,799$1,273$883$602$405$90
32 years$1,723$1,205$824$553$366$77
33 years$1,653$1,141$769$509$331$66
34 years$1,587$1,081$719$468$300$56
35 years$1,525$1,026$672$431$272$48
36 years$1,466$973$629$397$246$41
37 years$1,411$925$588$366$223$35
38 years$1,358$879$551$337$202$30
39 years$1,309$836$516$311$183$25
40 years$1,262$795$484$287$166$22
41 years$1,217$757$454$264$151$18
42 years$1,175$721$426$244$137$16
43 years$1,135$687$399$225$124$13
44 years$1,097$655$375$208$113$11
45 years$1,060$624$352$192$102$10
46 years$1,025$595$331$177$93$8
47 years$992$568$311$164$84$7
48 years$961$542$292$151$77$6
49 years$930$518$274$140$70$5
50 years$901$495$258$129$63$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $923,000, adding $4,518 every year, while hoping to spend $23,259 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: 52/33/15 Blend
34$923,000$923,000$923,000$923,000
35$1,021,806$972,887$958,581$1,070,578
36$1,101,283$995,811$965,946$1,127,382
37$1,188,087$1,019,079$972,778$1,186,296
38$1,282,941$1,042,683$979,035$1,249,852
39$1,386,640$1,066,614$984,672$1,318,495
40$1,500,062$1,090,862$989,643$1,392,718
41$1,624,170$1,115,416$993,897$1,473,062
42$1,760,026$1,140,262$997,384$1,560,122
43$1,908,801$1,165,387$1,000,049$1,654,557
44$2,071,782$1,190,775$1,001,834$1,757,088
45$2,250,389$1,216,408$1,002,680$1,868,516
46$2,446,182$1,242,266$1,002,524$1,989,717
47$2,660,884$1,268,328$1,001,299$2,121,660
48$2,896,389$1,294,570$998,937$2,265,414
49$3,154,784$1,320,968$995,365$2,422,153
50$3,438,369$1,347,492$990,507$2,593,173
51$3,749,676$1,374,113$984,282$2,779,904
52$4,091,495$1,400,796$976,608$2,983,920
53$4,466,899$1,427,507$967,396$3,206,955
54$4,879,274$1,454,206$956,555$3,450,922
55$5,332,348$1,480,851$943,988$3,717,929
56$5,830,231$1,507,396$929,595$4,010,298
57$6,377,449$1,533,792$913,271$4,330,590
58$6,978,987$1,559,987$894,904$4,681,627
59$7,640,340$1,585,923$874,380$5,066,519
60$8,367,561$1,611,539$851,577$5,488,696
61$9,167,317$1,636,769$826,370$5,951,936
62$10,046,955$1,661,542$798,625$6,460,405
63$11,014,570$1,685,784$768,205$7,018,692
64$12,079,081$1,709,412$734,965$7,631,860
65$13,250,315$1,732,341$698,753$8,305,485
66$14,539,098$1,754,476$659,413$9,045,716
67$15,957,361$1,775,720$616,777$9,859,328
68$17,518,247$1,795,966$570,675$10,753,791
69$19,236,241$1,815,101$520,925$11,737,338
70$21,127,301$1,833,004$467,339$12,819,042
71$23,209,011$1,849,547$409,721$14,008,906
72$25,500,747$1,864,592$347,864$15,317,952
73$28,023,860$1,877,993$281,554$16,758,333
74$30,801,874$1,889,596$210,567$18,343,440
75$33,860,713$1,899,234$134,668$20,088,036
76$37,228,940$1,906,730$53,614$22,008,388
77$40,938,031$1,911,899$0$24,122,431
78$45,022,669$1,914,541$0$26,455,192
79$49,521,073$1,914,445$0$29,032,692
80$54,475,355$1,911,386$0$31,870,396
81$59,931,923$1,905,126$0$34,994,814
82$65,941,914$1,895,411$0$38,435,162
83$72,561,677$1,881,974$0$42,223,637
84$79,853,307$1,864,530$0$46,395,723
85$87,885,228$1,842,776$0$50,990,527
86$96,732,843$1,816,393$0$56,051,143
87$106,479,239$1,785,043$0$61,625,068
88$117,215,977$1,748,365$0$67,764,645
89$129,043,951$1,705,979$0$74,527,559
90$142,074,344$1,657,483$0$81,977,381
91$156,429,677$1,602,449$0$90,184,174
92$172,244,962$1,540,427$0$99,225,148
93$189,668,979$1,470,939$0$109,185,394
94$208,865,679$1,393,479$0$120,158,688
95$230,015,732$1,307,513$0$132,248,375
96$253,318,232$1,212,476$0$145,568,348
97$278,992,575$1,107,771$0$160,244,123
98$307,280,531$992,766$0$176,414,024
99$338,448,526$866,792$0$194,230,494
100$372,790,157$729,146$0$213,861,528