Can I retire at age 35 with 933,000?

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 $933,000?

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$77,046$76,360$75,690$75,037$74,399$73,287
2 years$38,142$37,431$36,743$36,075$35,428$34,310
3 years$25,175$24,462$23,775$23,114$22,477$21,388
4 years$18,693$17,982$17,302$16,652$16,031$14,979
5 years$14,805$14,098$13,427$12,791$12,186$11,175
6 years$12,214$11,512$10,851$10,229$9,643$8,673
7 years$10,364$9,668$9,017$8,410$7,842$6,915
8 years$8,977$8,287$7,647$7,055$6,506$5,620
9 years$7,898$7,215$6,587$6,009$5,479$4,634
10 years$7,036$6,360$5,742$5,180$4,668$3,864
11 years$6,332$5,662$5,056$4,508$4,015$3,251
12 years$5,745$5,082$4,487$3,954$3,479$2,754
13 years$5,248$4,593$4,009$3,491$3,034$2,347
14 years$4,823$4,175$3,602$3,099$2,659$2,009
15 years$4,455$3,814$3,252$2,764$2,342$1,727
16 years$4,134$3,499$2,948$2,474$2,070$1,489
17 years$3,850$3,222$2,683$2,223$1,835$1,288
18 years$3,598$2,978$2,449$2,004$1,632$1,117
19 years$3,373$2,760$2,242$1,810$1,454$970
20 years$3,171$2,564$2,058$1,640$1,299$844
21 years$2,988$2,389$1,893$1,488$1,162$735
22 years$2,822$2,230$1,744$1,353$1,042$642
23 years$2,671$2,085$1,611$1,232$935$561
24 years$2,533$1,954$1,490$1,124$841$490
25 years$2,405$1,834$1,380$1,026$756$429
26 years$2,288$1,723$1,279$938$681$376
27 years$2,180$1,622$1,188$859$614$329
28 years$2,079$1,528$1,105$787$554$289
29 years$1,986$1,442$1,028$722$501$253
30 years$1,899$1,362$957$662$452$222
31 years$1,818$1,287$893$608$409$195
32 years$1,742$1,218$833$559$370$171
33 years$1,671$1,153$778$514$335$151
34 years$1,604$1,093$727$473$303$132
35 years$1,541$1,037$679$435$275$116
36 years$1,482$984$635$401$249$102
37 years$1,426$935$595$370$225$90
38 years$1,373$888$557$341$204$79
39 years$1,323$845$522$314$185$69
40 years$1,276$804$489$290$168$61
41 years$1,231$765$459$267$153$54
42 years$1,188$728$430$247$138$47
43 years$1,147$694$404$228$126$42
44 years$1,109$662$379$210$114$37
45 years$1,072$631$356$194$103$32
46 years$1,037$602$334$179$94$28
47 years$1,003$574$314$166$85$25
48 years$971$548$295$153$77$22
49 years$940$524$277$141$70$19
50 years$911$500$261$131$64$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $933,000, adding $4,648 every year, while hoping to spend $22,348 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: 54/19/27 Blend
34$933,000$933,000$933,000$933,000
35$1,032,960$983,511$969,050$1,080,774
36$1,114,544$1,007,925$977,735$1,138,711
37$1,203,701$1,032,787$985,962$1,199,072
38$1,301,178$1,058,093$993,692$1,264,337
39$1,407,802$1,083,843$1,000,884$1,334,984
40$1,524,479$1,110,033$1,007,495$1,411,541
41$1,652,209$1,136,658$1,013,479$1,494,589
42$1,792,093$1,163,713$1,018,790$1,584,770
43$1,945,343$1,191,191$1,023,376$1,682,789
44$2,113,294$1,219,086$1,027,185$1,789,424
45$2,297,416$1,247,387$1,030,161$1,905,533
46$2,499,329$1,276,085$1,032,247$2,032,061
47$2,720,815$1,305,167$1,033,382$2,170,051
48$2,963,838$1,334,621$1,033,501$2,320,651
49$3,230,564$1,364,432$1,032,538$2,485,127
50$3,523,375$1,394,582$1,030,421$2,664,874
51$3,844,896$1,425,054$1,027,077$2,861,429
52$4,198,020$1,455,826$1,022,428$3,076,490
53$4,585,932$1,486,875$1,016,394$3,311,923
54$5,012,142$1,518,177$1,008,888$3,569,790
55$5,480,516$1,549,704$999,822$3,852,360
56$5,995,315$1,581,425$989,102$4,162,136
57$6,561,230$1,613,308$976,630$4,501,878
58$7,183,432$1,645,316$962,303$4,874,625
59$7,867,616$1,677,411$946,015$5,283,730
60$8,620,059$1,709,550$927,652$5,732,888
61$9,447,675$1,741,688$907,098$6,226,171
62$10,358,081$1,773,773$884,229$6,768,068
63$11,359,670$1,805,754$858,916$7,363,527
64$12,461,691$1,837,570$831,024$8,018,004
65$13,674,334$1,869,161$800,414$8,737,509
66$15,008,825$1,900,459$766,936$9,528,669
67$16,477,534$1,931,391$730,438$10,398,789
68$18,094,093$1,961,880$690,758$11,355,919
69$19,873,521$1,991,842$647,729$12,408,933
70$21,832,366$2,021,188$601,173$13,567,614
71$23,988,862$2,049,821$550,908$14,842,740
72$26,363,104$2,077,640$496,741$16,246,197
73$28,977,231$2,104,535$438,472$17,791,080
74$31,855,639$2,130,388$375,892$19,491,826
75$35,025,211$2,155,073$308,780$21,364,347
76$38,515,568$2,178,458$236,910$23,426,179
77$42,359,352$2,200,398$160,043$25,696,651
78$46,592,531$2,220,743$77,929$28,197,069
79$51,254,738$2,239,328$0$30,950,912
80$56,389,649$2,255,982$0$33,986,855
81$62,045,388$2,270,521$0$37,354,768
82$68,274,989$2,282,747$0$41,063,693
83$75,136,889$2,292,454$0$45,148,366
84$82,695,486$2,299,418$0$49,647,063
85$91,021,741$2,303,405$0$54,601,962
86$100,193,850$2,304,163$0$60,059,548
87$110,297,983$2,301,427$0$66,071,044
88$121,429,094$2,294,914$0$72,692,899
89$133,691,822$2,284,325$0$79,987,320
90$147,201,472$2,269,341$0$88,022,859
91$162,085,108$2,249,625$0$96,875,062
92$178,482,752$2,224,819$0$106,627,180
93$196,548,702$2,194,544$0$117,370,956
94$216,452,990$2,158,398$0$129,207,494
95$238,382,991$2,115,955$0$142,248,209
96$262,545,183$2,066,764$0$156,615,882
97$289,167,103$2,010,347$0$172,445,819
98$318,499,491$1,946,198$0$189,887,130
99$350,818,660$1,873,782$0$209,104,135
100$386,429,099$1,792,533$0$230,277,914