Can I retire at age 35 with 976,000?

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 $976,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$80,597$79,879$79,179$78,495$77,828$76,319
2 years$39,900$39,156$38,436$37,738$37,061$35,547
3 years$26,336$25,589$24,871$24,179$23,513$22,041
4 years$19,555$18,811$18,100$17,420$16,770$15,351
5 years$15,487$14,748$14,046$13,380$12,748$11,387
6 years$12,777$12,043$11,351$10,700$10,087$8,785
7 years$10,841$10,113$9,433$8,797$8,203$6,960
8 years$9,390$8,669$8,000$7,380$6,806$5,621
9 years$8,262$7,548$6,890$6,286$5,731$4,605
10 years$7,361$6,653$6,007$5,418$4,883$3,814
11 years$6,623$5,923$5,289$4,716$4,200$3,187
12 years$6,009$5,316$4,693$4,136$3,639$2,681
13 years$5,490$4,804$4,193$3,652$3,174$2,268
14 years$5,046$4,367$3,768$3,242$2,782$1,927
15 years$4,661$3,989$3,402$2,891$2,450$1,644
16 years$4,324$3,660$3,084$2,589$2,165$1,407
17 years$4,027$3,371$2,806$2,326$1,920$1,207
18 years$3,764$3,115$2,562$2,096$1,707$1,038
19 years$3,529$2,887$2,345$1,894$1,521$894
20 years$3,317$2,682$2,152$1,715$1,359$772
21 years$3,126$2,499$1,980$1,557$1,216$667
22 years$2,952$2,332$1,825$1,415$1,090$577
23 years$2,794$2,181$1,685$1,289$978$500
24 years$2,649$2,044$1,558$1,176$879$433
25 years$2,516$1,918$1,443$1,074$791$376
26 years$2,394$1,803$1,338$982$713$326
27 years$2,280$1,697$1,243$899$643$284
28 years$2,175$1,599$1,155$823$580$246
29 years$2,078$1,508$1,075$755$524$214
30 years$1,987$1,424$1,002$693$473$186
31 years$1,902$1,346$934$636$428$162
32 years$1,822$1,274$871$585$387$141
33 years$1,748$1,206$813$538$350$123
34 years$1,678$1,143$760$495$317$107
35 years$1,612$1,085$711$456$287$93
36 years$1,550$1,029$665$420$260$81
37 years$1,492$978$622$387$236$71
38 years$1,436$929$583$356$214$62
39 years$1,384$884$546$329$194$54
40 years$1,334$841$512$303$176$47
41 years$1,287$800$480$280$160$41
42 years$1,243$762$450$258$145$35
43 years$1,200$726$422$238$131$31
44 years$1,160$692$396$220$119$27
45 years$1,121$660$372$203$108$23
46 years$1,084$630$350$188$98$20
47 years$1,049$601$328$173$89$18
48 years$1,016$574$309$160$81$16
49 years$984$548$290$148$74$14
50 years$953$523$273$137$67$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $976,000, adding $3,270 every year, while hoping to spend $24,890 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: 50/40/10 Blend
34$976,000$976,000$976,000$976,000
35$1,078,925$1,027,197$1,012,069$1,129,847
36$1,162,493$1,051,047$1,019,491$1,188,875
37$1,253,750$1,075,231$1,026,327$1,250,074
38$1,353,455$1,099,740$1,032,531$1,316,000
39$1,462,442$1,124,562$1,038,056$1,387,104
40$1,581,631$1,149,685$1,042,850$1,463,882
41$1,712,032$1,175,095$1,046,860$1,546,879
42$1,854,760$1,200,775$1,050,031$1,636,698
43$2,011,042$1,226,709$1,052,303$1,734,000
44$2,182,228$1,252,878$1,053,615$1,839,516
45$2,369,805$1,279,259$1,053,902$1,954,050
46$2,575,413$1,305,831$1,053,095$2,078,487
47$2,800,855$1,332,566$1,051,124$2,213,804
48$3,048,119$1,359,439$1,047,913$2,361,078
49$3,319,394$1,386,418$1,043,385$2,521,492
50$3,617,090$1,413,470$1,037,456$2,696,353
51$3,943,864$1,440,560$1,030,041$2,887,101
52$4,302,639$1,467,650$1,021,049$3,095,322
53$4,696,640$1,494,696$1,010,386$3,322,765
54$5,129,416$1,521,655$997,952$3,571,355
55$5,604,877$1,548,476$983,644$3,843,218
56$6,127,331$1,575,108$967,353$4,140,692
57$6,701,524$1,601,494$948,964$4,466,358
58$7,332,685$1,627,572$928,360$4,823,059
59$8,026,574$1,653,278$905,415$5,213,929
60$8,789,537$1,678,542$879,999$5,642,421
61$9,628,566$1,703,287$851,975$6,112,343
62$10,551,365$1,727,433$821,202$6,627,890
63$11,566,421$1,750,894$787,529$7,193,688
64$12,683,085$1,773,577$750,801$7,814,835
65$13,911,661$1,795,384$710,854$8,496,949
66$15,263,502$1,816,208$667,518$9,246,224
67$16,751,114$1,835,938$620,616$10,069,486
68$18,388,282$1,854,453$569,960$10,974,261
69$20,190,190$1,871,625$515,357$11,968,840
70$22,173,571$1,887,316$456,604$13,062,367
71$24,356,863$1,901,382$393,487$14,264,917
72$26,760,380$1,913,667$325,786$15,587,595
73$29,406,508$1,924,006$253,270$17,042,644
74$32,319,914$1,932,224$175,695$18,643,556
75$35,527,775$1,938,133$92,812$20,405,202
76$39,060,043$1,941,536$4,355$22,343,974
77$42,949,717$1,942,221$0$24,477,939
78$47,233,163$1,939,965$0$26,836,618
79$51,950,452$1,934,529$0$29,433,473
80$57,145,738$1,925,662$0$32,292,262
81$62,867,678$1,913,094$0$35,439,682
82$69,169,889$1,896,543$0$38,905,155
83$76,111,450$1,875,706$0$42,721,111
84$83,757,467$1,850,265$0$46,923,285
85$92,179,681$1,819,880$0$51,551,067
86$101,457,148$1,784,194$0$56,647,866
87$111,676,984$1,742,826$0$62,261,521
88$122,935,185$1,695,374$0$68,444,760
89$135,337,539$1,641,412$0$75,255,692
90$149,000,616$1,580,489$0$82,758,357
91$164,052,874$1,512,128$0$91,023,336
92$180,635,870$1,435,825$0$100,128,415
93$198,905,594$1,351,046$0$110,159,320
94$219,033,943$1,257,225$0$121,210,530
95$241,210,342$1,153,767$0$133,386,167
96$265,643,536$1,040,040$0$146,800,983
97$292,563,551$915,377$0$161,581,445
98$322,223,876$779,073$0$177,866,929
99$354,903,848$630,384$0$195,811,035
100$390,911,290$468,523$0$215,583,046