Can I retire at age 35 with 927,000?

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 $927,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$76,551$75,869$75,204$74,554$73,920$71,525
2 years$37,896$37,191$36,507$35,843$35,200$32,810
3 years$25,013$24,304$23,622$22,965$22,332$20,022
4 years$18,573$17,866$17,191$16,545$15,928$13,714
5 years$14,710$14,007$13,341$12,708$12,108$9,998
6 years$12,135$11,438$10,781$10,163$9,581$7,575
7 years$10,297$9,606$8,959$8,355$7,792$5,891
8 years$8,919$8,234$7,598$7,009$6,464$4,667
9 years$7,848$7,169$6,544$5,970$5,444$3,748
10 years$6,991$6,319$5,706$5,146$4,638$3,041
11 years$6,291$5,626$5,023$4,479$3,989$2,487
12 years$5,708$5,049$4,458$3,929$3,457$2,048
13 years$5,215$4,563$3,983$3,468$3,014$1,694
14 years$4,792$4,148$3,579$3,079$2,642$1,407
15 years$4,427$3,789$3,231$2,746$2,327$1,173
16 years$4,107$3,476$2,929$2,459$2,056$981
17 years$3,825$3,202$2,666$2,209$1,823$821
18 years$3,575$2,958$2,433$1,991$1,621$689
19 years$3,352$2,742$2,228$1,799$1,445$580
20 years$3,151$2,548$2,044$1,629$1,291$488
21 years$2,969$2,373$1,880$1,479$1,155$411
22 years$2,804$2,215$1,733$1,344$1,035$347
23 years$2,654$2,072$1,600$1,224$929$293
24 years$2,516$1,941$1,480$1,117$835$247
25 years$2,390$1,822$1,371$1,020$752$209
26 years$2,273$1,712$1,271$932$677$176
27 years$2,166$1,611$1,180$854$610$149
28 years$2,066$1,518$1,097$782$551$126
29 years$1,973$1,432$1,021$717$497$107
30 years$1,887$1,353$951$658$449$90
31 years$1,806$1,279$887$604$406$77
32 years$1,731$1,210$827$555$368$65
33 years$1,660$1,146$773$511$333$55
34 years$1,594$1,086$722$470$301$46
35 years$1,531$1,030$675$433$273$39
36 years$1,472$978$631$398$247$33
37 years$1,417$929$591$367$224$28
38 years$1,364$883$553$338$203$24
39 years$1,314$839$518$312$184$20
40 years$1,267$798$486$288$167$17
41 years$1,223$760$456$266$152$15
42 years$1,180$724$427$245$137$12
43 years$1,140$690$401$226$125$10
44 years$1,101$657$376$209$113$9
45 years$1,065$627$353$193$103$8
46 years$1,030$598$332$178$93$6
47 years$997$571$312$165$85$5
48 years$965$545$293$152$77$5
49 years$934$520$276$141$70$4
50 years$905$497$259$130$64$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $927,000, adding $6,544 every year, while hoping to spend $42,524 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: 62/12/26 Blend
34$927,000$927,000$927,000$927,000
35$1,028,304$979,173$964,805$1,084,564
36$1,087,946$981,907$951,880$1,126,232
37$1,152,246$983,350$937,098$1,166,485
38$1,221,635$983,394$920,350$1,209,513
39$1,296,584$981,923$901,525$1,255,596
40$1,377,615$978,816$880,505$1,305,042
41$1,465,297$973,944$857,167$1,358,191
42$1,560,258$967,168$831,383$1,415,421
43$1,663,189$958,344$803,019$1,477,148
44$1,774,848$947,316$771,934$1,543,834
45$1,896,069$933,922$737,980$1,615,990
46$2,027,771$917,987$701,006$1,694,180
47$2,170,963$899,327$660,849$1,779,026
48$2,326,756$877,749$617,342$1,871,219
49$2,496,372$853,046$570,310$1,971,521
50$2,681,156$824,999$519,569$2,080,773
51$2,882,588$793,378$464,929$2,199,908
52$3,102,296$757,938$406,188$2,329,953
53$3,342,074$718,420$343,139$2,472,044
54$3,603,894$674,551$275,563$2,627,437
55$3,889,929$626,042$203,232$2,797,520
56$4,202,571$572,587$125,909$2,983,822
57$4,544,451$513,863$43,346$3,188,038
58$4,918,470$449,527$0$3,412,033
59$5,327,820$379,219$0$3,670,291
60$5,776,014$302,558$0$3,966,310
61$6,266,924$219,139$0$4,290,646
62$6,804,812$128,539$0$4,646,157
63$7,394,373$30,307$0$5,035,994
64$8,040,776$0$0$5,463,628
65$8,749,716$0$0$5,942,926
66$9,527,464$0$0$6,473,205
67$10,380,929$0$0$7,055,182
68$11,317,720$0$0$7,694,054
69$12,346,218$0$0$8,395,547
70$13,475,657$0$0$9,165,968
71$14,716,207$0$0$10,012,266
72$16,079,074$0$0$10,942,095
73$17,576,601$0$0$11,963,886
74$19,222,385$0$0$13,086,929
75$21,031,408$0$0$14,321,459
76$23,020,173$0$0$15,678,750
77$25,206,865$0$0$17,171,225
78$27,611,517$0$0$18,812,569
79$30,256,200$0$0$20,617,861
80$33,165,232$0$0$22,603,715
81$36,365,407$0$0$24,788,435
82$39,886,246$0$0$27,192,190
83$43,760,274$0$0$29,837,201
84$48,023,330$0$0$32,747,953
85$52,714,903$0$0$35,951,422
86$57,878,502$0$0$39,477,336
87$63,562,068$0$0$43,358,447
88$69,818,427$0$0$47,630,846
89$76,705,785$0$0$52,334,300
90$84,288,278$0$0$57,512,627
91$92,636,579$0$0$63,214,110
92$101,828,559$0$0$69,491,953
93$111,950,028$0$0$76,404,782
94$123,095,537$0$0$84,017,195
95$135,369,277$0$0$92,400,377
96$148,886,055$0$0$101,632,766
97$163,772,381$0$0$111,800,797
98$180,167,660$0$0$122,999,714
99$198,225,509$0$0$135,334,471
100$218,115,202$0$0$148,920,719