Can I retire at age 35 with 937,000?

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 $937,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$77,377$76,687$76,015$75,359$74,718$71,924
2 years$38,305$37,592$36,900$36,230$35,580$32,797
3 years$25,283$24,567$23,877$23,213$22,573$19,889
4 years$18,773$18,059$17,376$16,724$16,099$13,534
5 years$14,869$14,159$13,485$12,845$12,239$9,799
6 years$12,266$11,562$10,898$10,273$9,684$7,372
7 years$10,408$9,709$9,056$8,446$7,876$5,690
8 years$9,015$8,323$7,680$7,085$6,534$4,473
9 years$7,932$7,246$6,615$6,035$5,502$3,564
10 years$7,067$6,387$5,767$5,202$4,688$2,868
11 years$6,359$5,686$5,077$4,527$4,032$2,326
12 years$5,769$5,104$4,506$3,971$3,494$1,899
13 years$5,271$4,612$4,026$3,506$3,047$1,557
14 years$4,844$4,192$3,617$3,112$2,671$1,282
15 years$4,474$3,830$3,266$2,775$2,352$1,059
16 years$4,151$3,514$2,961$2,485$2,078$877
17 years$3,866$3,236$2,694$2,233$1,843$727
18 years$3,614$2,990$2,460$2,012$1,639$605
19 years$3,388$2,771$2,252$1,818$1,460$503
20 years$3,185$2,575$2,066$1,647$1,305$419
21 years$3,001$2,399$1,901$1,495$1,167$350
22 years$2,834$2,239$1,752$1,359$1,046$292
23 years$2,682$2,094$1,617$1,238$939$244
24 years$2,543$1,962$1,496$1,129$844$204
25 years$2,416$1,841$1,386$1,031$760$170
26 years$2,298$1,731$1,285$943$684$143
27 years$2,189$1,629$1,193$863$617$119
28 years$2,088$1,535$1,109$790$557$100
29 years$1,995$1,448$1,032$725$503$84
30 years$1,907$1,367$962$665$454$70
31 years$1,826$1,293$896$611$411$59
32 years$1,750$1,223$836$561$371$49
33 years$1,678$1,158$781$516$336$41
34 years$1,611$1,098$730$475$304$34
35 years$1,548$1,041$682$437$276$29
36 years$1,488$988$638$403$250$24
37 years$1,432$939$597$371$226$20
38 years$1,379$892$559$342$205$17
39 years$1,329$848$524$315$186$14
40 years$1,281$807$491$291$169$12
41 years$1,236$768$461$268$153$10
42 years$1,193$732$432$248$139$8
43 years$1,152$697$405$229$126$7
44 years$1,113$664$381$211$114$6
45 years$1,076$634$357$195$104$5
46 years$1,041$604$336$180$94$4
47 years$1,007$577$315$166$86$3
48 years$975$551$296$154$78$3
49 years$944$526$278$142$71$2
50 years$915$502$262$131$64$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $937,000, adding $2,871 every year, while hoping to spend $30,757 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: 72/20/8 Blend
34$937,000$937,000$937,000$937,000
35$1,035,535$985,874$971,351$1,108,529
36$1,108,435$1,001,457$971,166$1,172,690
37$1,187,739$1,016,772$969,944$1,238,814
38$1,274,069$1,031,775$967,618$1,310,358
39$1,368,108$1,046,416$964,117$1,387,849
40$1,470,608$1,060,643$959,367$1,471,865
41$1,582,395$1,074,399$953,291$1,563,046
42$1,704,381$1,087,627$945,808$1,662,094
43$1,837,568$1,100,260$936,833$1,769,785
44$1,983,059$1,112,232$926,276$1,886,973
45$2,142,069$1,123,470$914,044$2,014,598
46$2,315,936$1,133,895$900,040$2,153,697
47$2,506,131$1,143,426$884,161$2,305,412
48$2,714,276$1,151,974$866,300$2,471,004
49$2,942,156$1,159,444$846,346$2,651,859
50$3,191,737$1,165,738$824,180$2,849,508
51$3,465,184$1,170,750$799,680$3,065,634
52$3,764,882$1,174,365$772,717$3,302,096
53$4,093,455$1,176,464$743,159$3,560,941
54$4,453,796$1,176,920$710,864$3,844,426
55$4,849,091$1,175,596$675,685$4,155,037
56$5,282,847$1,172,350$637,469$4,495,516
57$5,758,930$1,167,027$596,057$4,868,883
58$6,281,596$1,159,466$551,280$5,278,468
59$6,855,534$1,149,496$502,963$5,727,943
60$7,485,911$1,136,933$450,925$6,221,351
61$8,178,416$1,121,585$394,973$6,763,152
62$8,939,318$1,103,246$334,908$7,358,261
63$9,775,523$1,081,700$270,522$8,012,094
64$10,694,639$1,056,716$201,598$8,730,622
65$11,705,049$1,028,052$127,908$9,520,427
66$12,815,987$995,449$49,215$10,388,760
67$14,037,626$958,635$0$11,343,619
68$15,381,177$917,321$0$12,396,781
69$16,858,989$871,202$0$13,559,669
70$18,484,669$819,954$0$14,838,806
71$20,273,209$763,235$0$16,246,016
72$22,241,128$700,686$0$17,794,329
73$24,406,627$631,923$0$19,498,106
74$26,789,759$556,543$0$21,373,174
75$29,412,620$474,120$0$23,436,975
76$32,299,558$384,202$0$25,708,734
77$35,477,400$286,315$0$28,209,635
78$38,975,705$179,954$0$30,963,028
79$42,827,044$64,590$0$33,994,643
80$47,067,309$0$0$37,332,841
81$51,736,045$0$0$41,022,155
82$56,876,831$0$0$45,100,201
83$62,537,684$0$0$49,590,861
84$68,771,515$0$0$54,536,117
85$75,636,629$0$0$59,982,230
86$83,197,273$0$0$65,980,174
87$91,524,242$0$0$72,586,120
88$100,695,549$0$0$79,861,967
89$110,797,158$0$0$87,875,919
90$121,923,797$0$0$96,703,138
91$134,179,852$0$0$106,426,445
92$147,680,348$0$0$117,137,106
93$162,552,040$0$0$128,935,693
94$178,934,607$0$0$141,933,029
95$196,981,966$0$0$156,251,239
96$216,863,732$0$0$172,024,900
97$238,766,809$0$0$189,402,309
98$262,897,165$0$0$208,546,886
99$289,481,765$0$0$229,638,715
100$318,770,720$0$0$252,876,241