Can I retire at age 35 with 936,000?

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 $936,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$77,294$76,606$75,934$75,278$74,638$73,341
2 years$38,264$37,552$36,861$36,191$35,542$34,240
3 years$25,256$24,540$23,852$23,188$22,549$21,282
4 years$18,753$18,040$17,358$16,706$16,082$14,860
5 years$14,853$14,143$13,470$12,832$12,226$11,051
6 years$12,253$11,549$10,886$10,262$9,674$8,549
7 years$10,397$9,699$9,046$8,437$7,867$6,793
8 years$9,006$8,314$7,672$7,077$6,527$5,502
9 years$7,924$7,239$6,608$6,028$5,496$4,521
10 years$7,059$6,381$5,761$5,196$4,683$3,756
11 years$6,352$5,680$5,072$4,522$4,028$3,148
12 years$5,763$5,098$4,501$3,967$3,490$2,657
13 years$5,265$4,607$4,021$3,502$3,044$2,255
14 years$4,839$4,188$3,613$3,109$2,668$1,923
15 years$4,470$3,826$3,262$2,772$2,349$1,646
16 years$4,147$3,510$2,958$2,482$2,076$1,413
17 years$3,862$3,233$2,691$2,230$1,841$1,217
18 years$3,610$2,987$2,457$2,010$1,637$1,050
19 years$3,384$2,768$2,249$1,816$1,459$908
20 years$3,181$2,573$2,064$1,645$1,303$787
21 years$2,998$2,396$1,899$1,493$1,166$683
22 years$2,831$2,237$1,750$1,357$1,045$593
23 years$2,680$2,092$1,616$1,236$938$516
24 years$2,541$1,960$1,494$1,128$843$449
25 years$2,413$1,839$1,384$1,030$759$391
26 years$2,296$1,729$1,284$942$684$341
27 years$2,187$1,627$1,192$862$616$297
28 years$2,086$1,533$1,108$790$556$259
29 years$1,993$1,446$1,031$724$502$226
30 years$1,905$1,366$960$665$454$198
31 years$1,824$1,291$895$610$410$173
32 years$1,748$1,222$835$561$371$151
33 years$1,676$1,157$780$516$336$132
34 years$1,609$1,097$729$475$304$115
35 years$1,546$1,040$681$437$275$101
36 years$1,487$987$637$402$250$88
37 years$1,430$938$597$371$226$77
38 years$1,377$891$559$342$205$67
39 years$1,327$847$523$315$186$59
40 years$1,280$806$491$291$169$52
41 years$1,235$767$460$268$153$45
42 years$1,192$731$432$247$139$40
43 years$1,151$696$405$228$126$35
44 years$1,112$664$380$211$114$30
45 years$1,075$633$357$195$104$27
46 years$1,040$604$335$180$94$23
47 years$1,006$576$315$166$86$20
48 years$974$550$296$154$78$18
49 years$943$525$278$142$71$16
50 years$914$502$262$131$64$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $936,000, adding $3,402 every year, while hoping to spend $26,102 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: 79/12/9 Blend
34$936,000$936,000$936,000$936,000
35$1,034,981$985,373$970,865$1,115,064
36$1,112,777$1,005,884$975,617$1,188,614
37$1,197,633$1,026,525$979,653$1,265,540
38$1,290,242$1,047,275$982,922$1,349,160
39$1,391,366$1,068,112$985,369$1,440,131
40$1,501,845$1,089,009$986,939$1,539,174
41$1,622,603$1,109,939$987,570$1,647,085
42$1,754,656$1,130,874$987,201$1,764,740
43$1,899,124$1,151,780$985,766$1,893,104
44$2,057,242$1,172,625$983,196$2,033,240
45$2,230,366$1,193,369$979,419$2,186,319
46$2,419,993$1,213,973$974,359$2,353,631
47$2,627,768$1,234,394$967,936$2,536,596
48$2,855,507$1,254,585$960,068$2,736,780
49$3,105,205$1,274,496$950,667$2,955,908
50$3,379,063$1,294,074$939,641$3,195,879
51$3,679,504$1,313,260$926,896$3,458,788
52$4,009,197$1,331,994$912,331$3,746,940
53$4,371,082$1,350,208$895,841$4,062,877
54$4,768,397$1,367,833$877,316$4,409,400
55$5,204,709$1,384,793$856,642$4,789,593
56$5,683,948$1,401,006$833,698$5,206,857
57$6,210,443$1,416,387$808,359$5,664,938
58$6,788,962$1,430,844$780,493$6,167,963
59$7,424,760$1,444,279$749,963$6,720,482
60$8,123,623$1,456,587$716,624$7,327,507
61$8,891,929$1,467,656$680,328$7,994,560
62$9,736,703$1,477,368$640,916$8,727,730
63$10,665,684$1,485,596$598,224$9,533,723
64$11,687,400$1,492,207$552,081$10,419,929
65$12,811,246$1,497,057$502,307$11,394,495
66$14,047,575$1,499,994$448,715$12,466,395
67$15,407,790$1,500,856$391,110$13,645,520
68$16,904,459$1,499,473$329,287$14,942,771
69$18,551,429$1,495,662$263,033$16,370,158
70$20,363,955$1,489,230$192,125$17,940,920
71$22,358,847$1,479,971$116,330$19,669,642
72$24,554,629$1,467,668$35,406$21,572,401
73$26,971,708$1,452,091$0$23,666,912
74$29,632,573$1,432,994$0$25,977,591
75$32,562,003$1,410,119$0$28,525,005
76$35,787,303$1,383,190$0$31,329,486
77$39,338,559$1,351,917$0$34,417,191
78$43,248,923$1,315,992$0$37,816,942
79$47,554,925$1,275,088$0$41,560,502
80$52,296,820$1,228,860$0$45,682,870
81$57,518,964$1,176,943$0$50,222,617
82$63,270,235$1,118,950$0$55,222,245
83$69,604,492$1,054,471$0$60,728,593
84$76,581,085$983,075$0$66,793,275
85$84,265,414$904,304$0$73,473,168
86$92,729,545$817,674$0$80,830,953
87$102,052,894$722,675$0$88,935,701
88$112,322,970$618,767$0$97,863,528
89$123,636,204$505,378$0$107,698,315
90$136,098,862$381,906$0$118,532,497
91$149,828,042$247,715$0$130,467,938
92$164,952,781$102,133$0$143,616,890
93$181,615,275$0$0$158,103,058
94$199,972,220$0$0$174,070,097
95$220,196,286$0$0$191,676,080
96$242,477,755$0$0$211,073,176
97$267,026,309$0$0$232,443,928
98$294,073,014$0$0$255,989,497
99$323,872,498$0$0$281,931,558
100$356,705,357$0$0$310,514,390