Can I retire at age 35 with 952,000?

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 $952,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$78,615$77,915$77,232$76,565$75,914$73,425
2 years$38,918$38,194$37,491$36,810$36,149$33,666
3 years$25,688$24,960$24,259$23,585$22,935$20,534
4 years$19,074$18,348$17,655$16,991$16,357$14,058
5 years$15,107$14,385$13,701$13,051$12,434$10,243
6 years$12,463$11,747$11,072$10,437$9,839$7,757
7 years$10,575$9,865$9,201$8,581$8,002$6,029
8 years$9,159$8,456$7,803$7,198$6,638$4,773
9 years$8,059$7,362$6,721$6,131$5,590$3,831
10 years$7,180$6,490$5,859$5,285$4,763$3,106
11 years$6,460$5,777$5,159$4,600$4,097$2,539
12 years$5,862$5,185$4,578$4,035$3,550$2,089
13 years$5,355$4,686$4,090$3,562$3,096$1,727
14 years$4,921$4,260$3,675$3,162$2,714$1,434
15 years$4,546$3,891$3,318$2,820$2,389$1,194
16 years$4,218$3,570$3,008$2,525$2,112$998
17 years$3,928$3,288$2,737$2,269$1,872$835
18 years$3,671$3,038$2,499$2,044$1,665$700
19 years$3,442$2,816$2,288$1,847$1,484$588
20 years$3,236$2,617$2,100$1,673$1,325$495
21 years$3,049$2,437$1,931$1,518$1,186$417
22 years$2,880$2,275$1,780$1,381$1,063$351
23 years$2,725$2,128$1,643$1,257$954$296
24 years$2,584$1,994$1,520$1,147$858$250
25 years$2,454$1,871$1,408$1,047$772$211
26 years$2,335$1,758$1,306$958$695$178
27 years$2,224$1,655$1,212$877$627$151
28 years$2,122$1,559$1,127$803$566$127
29 years$2,027$1,471$1,049$736$511$108
30 years$1,938$1,389$977$676$461$91
31 years$1,855$1,313$911$621$417$77
32 years$1,778$1,243$850$570$377$65
33 years$1,705$1,177$793$525$342$55
34 years$1,637$1,115$741$483$309$47
35 years$1,572$1,058$693$444$280$39
36 years$1,512$1,004$648$409$254$33
37 years$1,455$954$607$377$230$28
38 years$1,401$906$568$348$209$24
39 years$1,350$862$532$320$189$20
40 years$1,302$820$499$296$172$17
41 years$1,256$781$468$273$156$15
42 years$1,212$743$439$252$141$12
43 years$1,171$708$412$232$128$10
44 years$1,131$675$387$214$116$9
45 years$1,094$644$363$198$106$7
46 years$1,058$614$341$183$96$6
47 years$1,023$586$320$169$87$5
48 years$991$559$301$156$79$5
49 years$959$534$283$144$72$4
50 years$929$510$266$133$65$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $952,000, adding $2,056 every year, while hoping to spend $33,143 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: 45/29/26 Blend
34$952,000$952,000$952,000$952,000
35$1,051,225$1,000,769$986,013$1,090,552
36$1,123,186$1,014,543$983,780$1,132,400
37$1,201,376$1,027,880$980,362$1,174,390
38$1,286,396$1,040,726$975,684$1,219,281
39$1,378,906$1,053,019$969,667$1,267,361
40$1,479,633$1,064,696$962,229$1,318,949
41$1,589,376$1,075,687$953,285$1,374,397
42$1,709,016$1,085,919$942,744$1,434,097
43$1,839,522$1,095,315$930,511$1,498,478
44$1,981,959$1,103,791$916,489$1,568,018
45$2,137,501$1,111,259$900,574$1,643,244
46$2,307,439$1,117,624$882,656$1,724,739
47$2,493,197$1,122,786$862,624$1,813,148
48$2,696,339$1,126,639$840,358$1,909,183
49$2,918,591$1,129,069$815,735$2,013,631
50$3,161,849$1,129,956$788,625$2,127,363
51$3,428,205$1,129,172$758,891$2,251,338
52$3,719,961$1,126,580$726,393$2,386,621
53$4,039,651$1,122,036$690,981$2,534,383
54$4,390,068$1,115,388$652,501$2,695,922
55$4,774,286$1,106,473$610,791$2,872,669
56$5,195,691$1,095,119$565,681$3,066,206
57$5,658,015$1,081,143$516,994$3,278,280
58$6,165,365$1,064,351$464,546$3,510,820
59$6,722,267$1,044,539$408,143$3,765,956
60$7,333,706$1,021,490$347,584$4,046,040
61$8,005,174$994,972$282,657$4,353,669
62$8,742,719$964,744$213,144$4,691,709
63$9,553,006$930,546$138,814$5,063,325
64$10,443,376$892,106$59,428$5,472,010
65$11,421,917$849,135$0$5,921,620
66$12,497,538$801,328$0$6,423,428
67$13,680,056$748,363$0$6,993,163
68$14,980,285$689,896$0$7,619,580
69$16,410,141$625,568$0$8,308,477
70$17,982,752$554,997$0$9,066,248
71$19,712,580$477,779$0$9,899,942
72$21,615,561$393,488$0$10,817,331
73$23,709,254$301,675$0$11,826,985
74$26,013,004$201,863$0$12,938,351
75$28,548,127$93,551$0$14,161,848
76$31,338,109$0$0$15,508,958
77$34,408,828$0$0$16,999,938
78$37,788,799$0$0$18,674,069
79$41,509,441$0$0$20,517,075
80$45,605,373$0$0$22,546,123
81$50,114,742$0$0$24,780,128
82$55,079,582$0$0$27,239,931
83$60,546,210$0$0$29,948,499
84$66,565,661$0$0$32,931,140
85$73,194,174$0$0$36,215,738
86$80,493,718$0$0$39,833,022
87$88,532,579$0$0$43,816,853
88$97,386,001$0$0$48,204,542
89$107,136,899$0$0$53,037,204
90$117,876,642$0$0$58,360,144
91$129,705,909$0$0$64,223,289
92$142,735,646$0$0$70,681,653
93$157,088,107$0$0$77,795,858
94$172,898,013$0$0$85,632,710
95$190,313,816$0$0$94,265,824
96$209,499,108$0$0$103,776,320
97$230,634,159$0$0$114,253,591
98$253,917,618$0$0$125,796,145
99$279,568,391$0$0$138,512,533
100$307,827,705$0$0$152,522,376