Can I retire at age 35 with 929,000?

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 $929,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$76,716$76,033$75,366$74,715$74,080$73,367
2 years$37,978$37,271$36,585$35,921$35,276$34,558
3 years$25,067$24,357$23,673$23,015$22,381$21,680
4 years$18,613$17,905$17,228$16,581$15,962$15,284
5 years$14,742$14,038$13,370$12,736$12,134$11,480
6 years$12,161$11,463$10,805$10,185$9,601$8,973
7 years$10,319$9,626$8,979$8,374$7,808$7,205
8 years$8,938$8,252$7,615$7,024$6,478$5,900
9 years$7,865$7,185$6,559$5,983$5,455$4,903
10 years$7,006$6,333$5,718$5,158$4,648$4,121
11 years$6,304$5,638$5,034$4,489$3,998$3,494
12 years$5,720$5,060$4,467$3,937$3,464$2,985
13 years$5,226$4,573$3,991$3,476$3,021$2,565
14 years$4,803$4,157$3,586$3,086$2,648$2,215
15 years$4,436$3,797$3,238$2,752$2,332$1,921
16 years$4,116$3,484$2,936$2,464$2,061$1,672
17 years$3,833$3,208$2,671$2,214$1,827$1,459
18 years$3,583$2,965$2,439$1,995$1,625$1,277
19 years$3,359$2,748$2,232$1,803$1,448$1,119
20 years$3,157$2,553$2,049$1,633$1,293$983
21 years$2,975$2,378$1,884$1,482$1,157$865
22 years$2,810$2,220$1,737$1,347$1,037$763
23 years$2,660$2,076$1,604$1,227$931$673
24 years$2,522$1,945$1,483$1,119$837$594
25 years$2,395$1,826$1,374$1,022$753$525
26 years$2,278$1,716$1,274$934$678$465
27 years$2,171$1,615$1,183$855$612$412
28 years$2,071$1,522$1,100$784$552$365
29 years$1,978$1,435$1,023$719$498$323
30 years$1,891$1,356$953$660$450$287
31 years$1,810$1,282$889$606$407$255
32 years$1,735$1,213$829$557$368$226
33 years$1,664$1,148$774$512$333$201
34 years$1,597$1,088$723$471$302$178
35 years$1,534$1,032$676$434$273$158
36 years$1,475$980$633$399$248$141
37 years$1,420$931$592$368$224$125
38 years$1,367$884$555$339$203$111
39 years$1,317$841$520$313$185$99
40 years$1,270$800$487$288$167$88
41 years$1,225$762$457$266$152$78
42 years$1,183$725$428$246$138$70
43 years$1,142$691$402$227$125$62
44 years$1,104$659$377$209$114$55
45 years$1,067$628$354$193$103$49
46 years$1,032$599$333$179$94$44
47 years$999$572$313$165$85$39
48 years$967$546$294$152$77$35
49 years$936$521$276$141$70$31
50 years$907$498$260$130$64$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $929,000, adding $5,242 every year, while hoping to spend $32,617 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: 73/12/15 Blend
34$929,000$929,000$929,000$929,000
35$1,029,165$979,928$965,529$1,100,495
36$1,099,436$993,240$963,170$1,161,759
37$1,175,781$1,006,112$959,638$1,224,342
38$1,258,785$1,018,486$954,861$1,292,029
39$1,349,093$1,030,304$948,761$1,365,319
40$1,447,413$1,041,501$941,256$1,444,762
41$1,554,523$1,052,009$932,263$1,530,962
42$1,671,283$1,061,755$921,692$1,624,588
43$1,798,635$1,070,662$909,450$1,726,373
44$1,937,618$1,078,648$895,439$1,837,129
45$2,089,377$1,085,623$879,558$1,957,749
46$2,255,171$1,091,496$861,700$2,089,217
47$2,436,384$1,096,165$841,753$2,232,618
48$2,634,544$1,099,525$819,600$2,389,150
49$2,851,329$1,101,464$795,119$2,560,130
50$3,088,591$1,101,862$768,182$2,747,011
51$3,348,366$1,100,592$738,655$2,951,397
52$3,632,898$1,097,519$706,398$3,175,052
53$3,944,656$1,092,500$671,264$3,419,924
54$4,286,361$1,085,383$633,102$3,688,158
55$4,661,009$1,076,007$591,751$3,982,120
56$5,071,902$1,064,200$547,044$4,304,418
57$5,522,672$1,049,782$498,806$4,657,925
58$6,017,324$1,032,562$446,856$5,045,810
59$6,560,268$1,012,334$391,002$5,471,567
60$7,156,362$988,884$331,047$5,939,044
61$7,810,955$961,984$266,782$6,452,486
62$8,529,944$931,393$197,990$7,016,571
63$9,319,821$896,854$124,445$7,636,455
64$10,187,739$858,097$45,911$8,317,823
65$11,141,581$814,835$0$9,066,941
66$12,190,027$766,767$0$9,896,780
67$13,342,642$713,571$0$10,817,124
68$14,609,965$654,910$0$11,829,051
69$16,003,606$590,425$0$12,941,856
70$17,536,357$519,738$0$14,165,783
71$19,222,309$442,450$0$15,512,117
72$21,076,992$358,137$0$16,993,296
73$23,117,515$266,355$0$18,623,028
74$25,362,726$166,631$0$20,416,418
75$27,833,396$58,469$0$22,390,111
76$30,552,411$0$0$24,562,450
77$33,544,985$0$0$26,961,397
78$36,838,903$0$0$29,610,460
79$40,464,779$0$0$32,526,545
80$44,456,347$0$0$35,736,790
81$48,850,775$0$0$39,271,095
82$53,689,021$0$0$43,162,408
83$59,016,215$0$0$47,447,032
84$64,882,087$0$0$52,164,973
85$71,341,434$0$0$57,360,312
86$78,454,637$0$0$63,081,622
87$86,288,233$0$0$69,382,429
88$94,915,539$0$0$76,321,712
89$104,417,347$0$0$83,964,464
90$114,882,682$0$0$92,382,302
91$126,409,646$0$0$101,654,142
92$139,106,343$0$0$111,866,950
93$153,091,894$0$0$123,116,552
94$168,497,567$0$0$135,508,548
95$185,468,014$0$0$149,159,302
96$204,162,632$0$0$164,197,042
97$224,757,073$0$0$180,763,072
98$247,444,898$0$0$199,013,102
99$272,439,403$0$0$219,118,719
100$299,975,633$0$0$241,269,007