Can I retire at age 35 with 932,000?

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 $932,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$76,964$76,278$75,609$74,956$74,319$71,625
2 years$38,101$37,391$36,704$36,037$35,390$32,706
3 years$25,148$24,436$23,750$23,089$22,453$19,862
4 years$18,673$17,963$17,284$16,634$16,014$13,536
5 years$14,789$14,083$13,413$12,777$12,173$9,816
6 years$12,201$11,500$10,840$10,218$9,632$7,397
7 years$10,353$9,658$9,008$8,401$7,834$5,720
8 years$8,967$8,278$7,639$7,047$6,499$4,504
9 years$7,890$7,208$6,580$6,002$5,473$3,595
10 years$7,029$6,353$5,736$5,174$4,663$2,899
11 years$6,325$5,656$5,050$4,503$4,010$2,356
12 years$5,738$5,076$4,482$3,950$3,475$1,926
13 years$5,243$4,588$4,004$3,487$3,031$1,583
14 years$4,818$4,170$3,598$3,095$2,657$1,306
15 years$4,450$3,809$3,248$2,761$2,339$1,081
16 years$4,129$3,495$2,945$2,472$2,067$897
17 years$3,846$3,219$2,680$2,221$1,833$746
18 years$3,594$2,974$2,446$2,001$1,630$621
19 years$3,370$2,757$2,240$1,809$1,453$518
20 years$3,168$2,562$2,055$1,638$1,298$433
21 years$2,985$2,386$1,891$1,487$1,161$362
22 years$2,819$2,227$1,742$1,352$1,041$303
23 years$2,668$2,083$1,609$1,231$934$254
24 years$2,530$1,952$1,488$1,123$840$213
25 years$2,403$1,832$1,378$1,025$756$178
26 years$2,286$1,721$1,278$937$681$149
27 years$2,178$1,620$1,187$858$614$125
28 years$2,077$1,527$1,103$786$554$105
29 years$1,984$1,440$1,027$721$500$88
30 years$1,897$1,360$956$662$452$74
31 years$1,816$1,286$892$608$408$62
32 years$1,740$1,217$832$558$369$52
33 years$1,669$1,152$777$514$334$44
34 years$1,602$1,092$726$473$303$37
35 years$1,539$1,036$679$435$274$31
36 years$1,480$983$635$401$248$26
37 years$1,424$934$594$369$225$22
38 years$1,372$887$556$340$204$18
39 years$1,322$844$521$314$185$15
40 years$1,274$803$489$289$168$13
41 years$1,229$764$458$267$152$11
42 years$1,187$728$430$246$138$9
43 years$1,146$693$403$227$125$8
44 years$1,107$661$379$210$114$6
45 years$1,071$630$355$194$103$5
46 years$1,035$601$334$179$94$5
47 years$1,002$574$314$166$85$4
48 years$970$548$295$153$77$3
49 years$939$523$277$141$70$3
50 years$910$500$260$131$64$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $932,000, adding $3,906 every year, while hoping to spend $28,986 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: 55/31/14 Blend
34$932,000$932,000$932,000$932,000
35$1,031,093$981,697$967,251$1,083,829
36$1,105,424$998,959$968,813$1,137,370
37$1,186,364$1,016,096$969,456$1,192,167
38$1,274,559$1,033,070$969,118$1,251,169
39$1,370,716$1,049,843$967,736$1,314,783
40$1,475,615$1,066,370$965,240$1,383,457
41$1,590,113$1,082,609$961,562$1,457,686
42$1,715,156$1,098,508$956,626$1,538,017
43$1,851,784$1,114,016$950,354$1,625,051
44$2,001,140$1,129,077$942,665$1,719,453
45$2,164,485$1,143,631$933,473$1,821,954
46$2,343,208$1,157,614$922,689$1,933,362
47$2,538,835$1,170,957$910,220$2,054,567
48$2,753,050$1,183,587$895,966$2,186,551
49$2,987,705$1,195,427$879,825$2,330,398
50$3,244,841$1,206,393$861,689$2,487,300
51$3,526,705$1,216,397$841,446$2,658,576
52$3,835,773$1,225,344$818,978$2,845,678
53$4,174,770$1,233,134$794,162$3,050,208
54$4,546,698$1,239,660$766,868$3,273,932
55$4,954,865$1,244,807$736,963$3,518,798
56$5,402,915$1,248,455$704,304$3,786,955
57$5,894,858$1,250,476$668,744$4,080,771
58$6,435,117$1,250,733$630,130$4,402,860
59$7,028,560$1,249,080$588,301$4,756,102
60$7,680,552$1,245,363$543,088$5,143,674
61$8,397,002$1,239,419$494,314$5,569,080
62$9,184,420$1,231,075$441,798$6,036,182
63$10,049,979$1,220,146$385,346$6,549,241
64$11,001,580$1,206,437$324,759$7,112,953
65$12,047,930$1,189,741$259,827$7,732,497
66$13,198,619$1,169,839$190,332$8,413,584
67$14,464,216$1,146,498$116,046$9,162,510
68$15,856,362$1,119,473$36,729$9,986,219
69$17,387,887$1,088,502$0$10,892,364
70$19,072,923$1,053,311$0$11,896,542
71$20,927,045$1,013,607$0$13,007,222
72$22,967,410$969,080$0$14,229,211
73$25,212,926$919,405$0$15,573,860
74$27,684,424$864,235$0$17,053,684
75$30,404,857$803,205$0$18,682,475
76$33,399,518$735,928$0$20,475,438
77$36,696,276$661,995$0$22,449,330
78$40,325,839$580,975$0$24,622,622
79$44,322,042$492,411$0$27,015,676
80$48,722,172$395,821$0$29,650,931
81$53,567,313$290,696$0$32,553,124
82$58,902,736$176,496$0$35,749,518
83$64,778,326$52,655$0$39,270,163
84$71,249,052$0$0$43,148,181
85$78,375,488$0$0$47,447,856
86$86,224,380$0$0$52,203,320
87$94,869,278$0$0$57,441,189
88$104,391,231$0$0$63,210,584
89$114,879,551$0$0$69,565,634
90$126,432,651$0$0$76,565,989
91$139,158,983$0$0$84,277,376
92$153,178,052$0$0$92,772,227
93$168,621,548$0$0$102,130,357
94$185,634,591$0$0$112,439,720
95$204,377,093$0$0$123,797,239
96$225,025,276$0$0$136,309,717
97$247,773,328$0$0$150,094,851
98$272,835,238$0$0$165,282,337
99$300,446,817$0$0$182,015,098
100$330,867,923$0$0$200,450,630