Can I retire at age 35 with 930,000?

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 $930,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$76,799$76,114$75,447$74,796$74,160$72,191
2 years$38,019$37,311$36,625$35,959$35,314$33,345
3 years$25,094$24,383$23,699$23,040$22,405$20,496
4 years$18,633$17,924$17,247$16,599$15,979$14,146
5 years$14,757$14,053$13,384$12,749$12,147$10,394
6 years$12,175$11,475$10,816$10,196$9,612$7,941
7 years$10,330$9,637$8,988$8,383$7,817$6,228
8 years$8,948$8,261$7,623$7,032$6,485$4,977
9 years$7,873$7,192$6,566$5,990$5,461$4,034
10 years$7,014$6,340$5,724$5,163$4,653$3,304
11 years$6,311$5,644$5,039$4,493$4,002$2,729
12 years$5,726$5,066$4,472$3,941$3,468$2,269
13 years$5,231$4,578$3,996$3,480$3,024$1,896
14 years$4,808$4,161$3,590$3,089$2,651$1,592
15 years$4,441$3,801$3,241$2,755$2,334$1,341
16 years$4,120$3,488$2,939$2,467$2,063$1,133
17 years$3,838$3,212$2,674$2,216$1,829$960
18 years$3,587$2,968$2,441$1,997$1,626$814
19 years$3,362$2,751$2,235$1,805$1,450$692
20 years$3,161$2,556$2,051$1,634$1,295$589
21 years$2,979$2,381$1,887$1,483$1,159$502
22 years$2,813$2,222$1,739$1,349$1,039$429
23 years$2,662$2,079$1,605$1,228$932$366
24 years$2,524$1,948$1,485$1,120$838$313
25 years$2,398$1,828$1,375$1,023$754$268
26 years$2,281$1,718$1,275$935$679$229
27 years$2,173$1,617$1,184$856$612$196
28 years$2,073$1,523$1,101$785$553$168
29 years$1,980$1,437$1,025$719$499$144
30 years$1,893$1,357$954$660$451$123
31 years$1,812$1,283$890$606$408$106
32 years$1,736$1,214$830$557$369$91
33 years$1,665$1,150$775$512$334$78
34 years$1,599$1,090$724$472$302$67
35 years$1,536$1,033$677$434$274$57
36 years$1,477$981$633$400$248$49
37 years$1,421$932$593$368$225$42
38 years$1,369$885$555$339$204$36
39 years$1,319$842$520$313$185$31
40 years$1,271$801$488$289$168$27
41 years$1,227$762$457$266$152$23
42 years$1,184$726$429$246$138$20
43 years$1,144$692$402$227$125$17
44 years$1,105$659$378$210$114$14
45 years$1,068$629$355$194$103$12
46 years$1,033$600$333$179$94$11
47 years$1,000$573$313$165$85$9
48 years$968$547$294$153$77$8
49 years$937$522$276$141$70$7
50 years$908$499$260$130$64$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $930,000, adding $4,015 every year, while hoping to spend $47,335 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: 28/48/24 Blend
34$930,000$930,000$930,000$930,000
35$1,029,001$979,711$965,296$1,049,996
36$1,083,596$977,353$947,270$1,064,460
37$1,142,172$973,293$927,053$1,075,570
38$1,205,086$967,397$904,522$1,086,525
39$1,272,730$959,525$879,549$1,097,340
40$1,345,532$949,525$851,997$1,108,040
41$1,423,965$937,240$821,727$1,118,655
42$1,508,544$922,500$788,590$1,129,223
43$1,599,840$905,127$752,432$1,139,792
44$1,698,477$884,931$713,092$1,150,419
45$1,805,142$861,713$670,401$1,161,173
46$1,920,589$835,260$624,182$1,172,138
47$2,045,648$805,347$574,251$1,183,410
48$2,181,232$771,737$520,417$1,195,103
49$2,328,344$734,178$462,477$1,207,351
50$2,488,087$692,404$400,221$1,220,309
51$2,661,675$646,135$333,432$1,234,154
52$2,850,442$595,072$261,878$1,249,093
53$3,055,858$538,901$185,322$1,265,360
54$3,279,538$477,291$103,513$1,283,227
55$3,523,262$409,888$16,191$1,302,999
56$3,788,985$336,323$0$1,325,027
57$4,078,862$256,204$0$1,369,424
58$4,395,263$169,115$0$1,422,631
59$4,740,799$74,621$0$1,481,079
60$5,118,342$0$0$1,545,424
61$5,531,055$0$0$1,631,048
62$5,982,419$0$0$1,767,939
63$6,476,269$0$0$1,917,864
64$7,016,827$0$0$2,082,125
65$7,608,741$0$0$2,262,151
66$8,257,131$0$0$2,459,522
67$8,967,634$0$0$2,675,973
68$9,746,458$0$0$2,913,419
69$10,600,443$0$0$3,173,965
70$11,537,120$0$0$3,459,933
71$12,564,783$0$0$3,773,880
72$13,692,571$0$0$4,118,622
73$14,930,547$0$0$4,497,262
74$16,289,800$0$0$4,913,217
75$17,782,541$0$0$5,370,253
76$19,422,223$0$0$5,872,516
77$21,223,668$0$0$6,424,577
78$23,203,202$0$0$7,031,470
79$25,378,812$0$0$7,698,741
80$27,770,315$0$0$8,432,500
81$30,399,540$0$0$9,239,480
82$33,290,542$0$0$10,127,099
83$36,469,818$0$0$11,103,528
84$39,966,565$0$0$12,177,772
85$43,812,951$0$0$13,359,752
86$48,044,416$0$0$14,660,399
87$52,700,011$0$0$16,091,757
88$57,822,761$0$0$17,667,098
89$63,460,074$0$0$19,401,044
90$69,664,182$0$0$21,309,708
91$76,492,643$0$0$23,410,843
92$84,008,871$0$0$25,724,011
93$92,282,745$0$0$28,270,768
94$101,391,261$0$0$31,074,866
95$111,419,260$0$0$34,162,477
96$122,460,226$0$0$37,562,440
97$134,617,171$0$0$41,306,535
98$148,003,603$0$0$45,429,777
99$162,744,599$0$0$49,970,755
100$178,977,983$0$0$54,971,988