Can I retire at age 35 with 926,000?

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 $926,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$76,468$75,787$75,123$74,474$73,841$72,737
2 years$37,856$37,151$36,467$35,805$35,162$34,053
3 years$24,986$24,278$23,597$22,940$22,308$21,228
4 years$18,553$17,847$17,172$16,527$15,910$14,867
5 years$14,694$13,992$13,326$12,695$12,095$11,092
6 years$12,122$11,426$10,770$10,152$9,570$8,608
7 years$10,286$9,595$8,950$8,346$7,783$6,863
8 years$8,909$8,225$7,590$7,002$6,457$5,578
9 years$7,839$7,161$6,537$5,964$5,438$4,600
10 years$6,984$6,312$5,699$5,141$4,633$3,835
11 years$6,284$5,620$5,018$4,474$3,985$3,226
12 years$5,701$5,044$4,453$3,924$3,453$2,733
13 years$5,209$4,558$3,978$3,465$3,011$2,329
14 years$4,787$4,143$3,575$3,076$2,640$1,994
15 years$4,422$3,785$3,227$2,743$2,324$1,714
16 years$4,103$3,473$2,926$2,456$2,054$1,478
17 years$3,821$3,198$2,663$2,207$1,821$1,278
18 years$3,571$2,955$2,431$1,989$1,619$1,108
19 years$3,348$2,739$2,225$1,797$1,443$963
20 years$3,147$2,545$2,042$1,627$1,289$838
21 years$2,966$2,371$1,878$1,477$1,154$730
22 years$2,801$2,213$1,731$1,343$1,034$637
23 years$2,651$2,070$1,598$1,223$928$556
24 years$2,514$1,939$1,478$1,115$834$486
25 years$2,387$1,820$1,369$1,019$751$426
26 years$2,271$1,710$1,270$931$676$373
27 years$2,164$1,610$1,179$853$610$327
28 years$2,064$1,517$1,096$781$550$286
29 years$1,971$1,431$1,020$716$497$251
30 years$1,885$1,351$950$657$449$221
31 years$1,804$1,277$886$604$406$194
32 years$1,729$1,209$827$555$367$170
33 years$1,658$1,145$772$510$332$149
34 years$1,592$1,085$721$469$301$131
35 years$1,530$1,029$674$432$272$115
36 years$1,471$977$631$398$247$101
37 years$1,415$928$590$367$224$89
38 years$1,363$882$553$338$203$78
39 years$1,313$838$518$312$184$69
40 years$1,266$798$485$287$167$61
41 years$1,221$759$455$265$151$53
42 years$1,179$723$427$245$137$47
43 years$1,139$689$401$226$125$41
44 years$1,100$657$376$209$113$36
45 years$1,064$626$353$193$103$32
46 years$1,029$597$332$178$93$28
47 years$995$570$312$164$85$25
48 years$964$544$293$152$77$22
49 years$933$520$275$140$70$19
50 years$904$496$259$130$63$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $926,000, adding $3,550 every year, while hoping to spend $42,998 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: 43/45/12 Blend
34$926,000$926,000$926,000$926,000
35$1,024,114$975,036$960,683$1,064,440
36$1,082,824$977,063$947,116$1,094,990
37$1,146,081$977,748$931,654$1,123,472
38$1,214,304$976,981$914,187$1,153,376
39$1,287,953$974,643$894,602$1,184,849
40$1,367,532$970,608$872,779$1,218,058
41$1,453,597$964,744$848,594$1,253,187
42$1,546,757$956,910$821,915$1,290,443
43$1,647,684$946,957$792,607$1,330,057
44$1,757,115$934,725$760,526$1,372,284
45$1,875,861$920,046$725,524$1,417,412
46$2,004,814$902,744$687,445$1,465,761
47$2,144,955$882,628$646,124$1,517,686
48$2,297,364$859,500$601,392$1,573,582
49$2,463,227$833,148$553,071$1,633,892
50$2,643,852$803,347$500,974$1,699,105
51$2,840,675$769,862$444,908$1,769,768
52$3,055,280$732,441$384,668$1,846,485
53$3,289,408$690,820$320,043$1,929,932
54$3,544,975$644,718$250,812$2,020,857
55$3,824,091$593,838$176,743$2,120,092
56$4,129,079$537,867$97,595$2,228,558
57$4,462,496$476,473$13,116$2,347,281
58$4,827,158$409,308$0$2,477,396
59$5,226,164$336,000$0$2,630,029
60$5,662,928$256,159$0$2,799,146
61$6,141,209$169,372$0$2,984,652
62$6,665,144$75,204$0$3,188,303
63$7,239,294$0$0$3,412,041
64$7,868,677$0$0$3,671,289
65$8,558,823$0$0$3,996,514
66$9,315,821$0$0$4,353,362
67$10,146,379$0$0$4,745,008
68$11,057,885$0$0$5,174,951
69$12,058,477$0$0$5,647,046
70$13,157,118$0$0$6,165,538
71$14,363,685$0$0$6,735,105
72$15,689,054$0$0$7,360,899
73$17,145,210$0$0$8,048,598
74$18,745,353$0$0$8,804,453
75$20,504,028$0$0$9,635,355
76$22,437,257$0$0$10,548,893
77$24,562,693$0$0$11,553,431
78$26,899,784$0$0$12,658,180
79$29,469,956$0$0$13,873,293
80$32,296,818$0$0$15,209,952
81$35,406,378$0$0$16,680,480
82$38,827,295$0$0$18,298,455
83$42,591,144$0$0$20,078,834
84$46,732,714$0$0$22,038,102
85$51,290,339$0$0$24,194,418
86$56,306,255$0$0$26,567,794
87$61,826,999$0$0$29,180,279
88$67,903,851$0$0$32,056,168
89$74,593,312$0$0$35,222,233
90$81,957,641$0$0$38,707,971
91$90,065,440$0$0$42,545,885
92$98,992,301$0$0$46,771,793
93$108,821,516$0$0$51,425,159
94$119,644,870$0$0$56,549,472
95$131,563,498$0$0$62,192,651
96$144,688,844$0$0$68,407,502
97$159,143,710$0$0$75,252,210
98$175,063,416$0$0$82,790,893
99$192,597,073$0$0$91,094,205
100$211,908,995$0$0$100,240,003