Can I retire at age 35 with 925,000?

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 $925,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$76,386$75,705$75,041$74,393$73,761$71,229
2 years$37,815$37,110$36,428$35,766$35,124$32,599
3 years$24,959$24,252$23,571$22,916$22,284$19,845
4 years$18,533$17,828$17,154$16,509$15,893$13,559
5 years$14,678$13,977$13,312$12,681$12,082$9,859
6 years$12,109$11,413$10,758$10,141$9,560$7,449
7 years$10,275$9,585$8,940$8,337$7,775$5,777
8 years$8,900$8,216$7,582$6,994$6,450$4,562
9 years$7,831$7,154$6,530$5,957$5,432$3,653
10 years$6,976$6,306$5,693$5,135$4,628$2,955
11 years$6,277$5,613$5,012$4,469$3,980$2,409
12 years$5,695$5,038$4,448$3,920$3,449$1,977
13 years$5,203$4,553$3,974$3,461$3,008$1,630
14 years$4,782$4,139$3,571$3,072$2,637$1,349
15 years$4,417$3,781$3,224$2,740$2,322$1,121
16 years$4,098$3,469$2,923$2,453$2,052$933
17 years$3,817$3,195$2,660$2,204$1,819$779
18 years$3,567$2,952$2,428$1,986$1,618$651
19 years$3,344$2,736$2,223$1,795$1,442$545
20 years$3,144$2,542$2,040$1,626$1,288$457
21 years$2,963$2,368$1,876$1,475$1,152$384
22 years$2,798$2,211$1,729$1,341$1,033$322
23 years$2,648$2,067$1,597$1,222$927$271
24 years$2,511$1,937$1,477$1,114$833$228
25 years$2,385$1,818$1,368$1,018$750$192
26 years$2,269$1,708$1,269$930$676$162
27 years$2,161$1,608$1,178$852$609$136
28 years$2,062$1,515$1,095$780$550$115
29 years$1,969$1,429$1,019$716$496$97
30 years$1,883$1,350$949$657$448$81
31 years$1,802$1,276$885$603$405$69
32 years$1,727$1,207$826$554$367$58
33 years$1,657$1,143$771$510$332$49
34 years$1,590$1,084$720$469$300$41
35 years$1,528$1,028$673$432$272$35
36 years$1,469$976$630$398$247$29
37 years$1,414$927$590$366$223$25
38 years$1,361$881$552$338$203$21
39 years$1,312$837$517$311$184$18
40 years$1,265$797$485$287$167$15
41 years$1,220$758$455$265$151$13
42 years$1,178$722$426$245$137$11
43 years$1,137$688$400$226$125$9
44 years$1,099$656$376$208$113$8
45 years$1,062$626$353$192$103$6
46 years$1,028$597$331$178$93$5
47 years$994$569$311$164$85$5
48 years$963$544$292$152$77$4
49 years$932$519$275$140$70$3
50 years$903$496$258$130$63$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $925,000, adding $4,093 every year, while hoping to spend $40,769 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: 34/37/29 Blend
34$925,000$925,000$925,000$925,000
35$1,023,572$974,547$960,209$1,049,288
36$1,084,598$978,922$948,999$1,073,468
37$1,150,483$982,145$936,046$1,095,607
38$1,221,679$984,116$921,249$1,118,702
39$1,298,682$984,730$904,504$1,142,864
40$1,382,041$983,875$885,697$1,168,221
41$1,472,355$981,430$864,714$1,194,919
42$1,570,285$977,271$841,432$1,223,119
43$1,676,559$971,261$815,725$1,253,003
44$1,791,974$963,260$787,458$1,284,776
45$1,917,411$953,115$756,494$1,318,666
46$2,053,836$940,667$722,685$1,354,931
47$2,202,314$925,746$685,881$1,393,856
48$2,364,013$908,171$645,922$1,435,765
49$2,540,224$887,753$602,642$1,481,015
50$2,732,364$864,290$555,867$1,530,007
51$2,941,992$837,567$505,416$1,583,190
52$3,170,827$807,359$451,099$1,641,062
53$3,420,758$773,427$392,718$1,704,178
54$3,693,867$735,517$330,066$1,773,160
55$3,992,446$693,361$262,927$1,848,696
56$4,319,017$646,677$191,076$1,931,555
57$4,676,356$595,164$114,277$2,022,591
58$5,067,524$538,507$32,285$2,122,753
59$5,495,888$476,369$0$2,233,096
60$5,965,156$408,399$0$2,371,878
61$6,479,413$334,222$0$2,535,087
62$7,043,157$253,443$0$2,714,255
63$7,661,343$165,646$0$2,911,074
64$8,339,427$70,389$0$3,127,418
65$9,083,419$0$0$3,365,357
66$9,899,940$0$0$3,640,532
67$10,796,281$0$0$3,974,206
68$11,780,475$0$0$4,340,730
69$12,861,371$0$0$4,743,414
70$14,048,716$0$0$5,185,911
71$15,353,247$0$0$5,672,240
72$16,786,795$0$0$6,206,832
73$18,362,392$0$0$6,794,567
74$20,094,395$0$0$7,440,822
75$21,998,622$0$0$8,151,521
76$24,092,500$0$0$8,933,191
77$26,395,229$0$0$9,793,024
78$28,927,963$0$0$10,738,941
79$31,714,009$0$0$11,779,673
80$34,779,047$0$0$12,924,840
81$38,151,370$0$0$14,185,037
82$41,862,154$0$0$15,571,944
83$45,945,746$0$0$17,098,426
84$50,439,995$0$0$18,778,660
85$55,386,603$0$0$20,628,269
86$60,831,519$0$0$22,664,465
87$66,825,375$0$0$24,906,214
88$73,423,958$0$0$27,374,416
89$80,688,742$0$0$30,092,099
90$88,687,464$0$0$33,084,639
91$97,494,762$0$0$36,379,997
92$107,192,882$0$0$40,008,984
93$117,872,450$0$0$44,005,552
94$129,633,330$0$0$48,407,113
95$142,585,563$0$0$53,254,893
96$156,850,407$0$0$58,594,319
97$172,561,480$0$0$64,475,451
98$189,866,022$0$0$70,953,450
99$208,926,279$0$0$78,089,102
100$229,921,042$0$0$85,949,391