Can I retire at age 35 with 899,000?

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 $899,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$74,239$73,577$72,932$72,302$71,688$70,355
2 years$36,752$36,067$35,404$34,761$34,137$32,800
3 years$24,258$23,570$22,909$22,272$21,658$20,357
4 years$18,012$17,327$16,672$16,045$15,447$14,193
5 years$14,266$13,584$12,938$12,324$11,742$10,539
6 years$11,769$11,093$10,456$9,856$9,291$8,139
7 years$9,986$9,316$8,689$8,103$7,556$6,456
8 years$8,650$7,985$7,369$6,797$6,269$5,220
9 years$7,611$6,953$6,347$5,790$5,279$4,282
10 years$6,780$6,128$5,533$4,991$4,498$3,551
11 years$6,101$5,456$4,871$4,344$3,868$2,970
12 years$5,535$4,897$4,323$3,810$3,352$2,502
13 years$5,057$4,425$3,862$3,364$2,923$2,119
14 years$4,647$4,022$3,470$2,986$2,563$1,803
15 years$4,293$3,675$3,133$2,663$2,256$1,540
16 years$3,983$3,371$2,841$2,384$1,994$1,320
17 years$3,710$3,105$2,585$2,142$1,768$1,134
18 years$3,467$2,869$2,360$1,931$1,572$977
19 years$3,250$2,659$2,160$1,744$1,401$843
20 years$3,055$2,471$1,983$1,580$1,252$729
21 years$2,879$2,302$1,824$1,434$1,120$631
22 years$2,719$2,148$1,681$1,304$1,004$547
23 years$2,574$2,009$1,552$1,187$901$474
24 years$2,440$1,883$1,435$1,083$810$412
25 years$2,318$1,767$1,329$989$729$358
26 years$2,205$1,660$1,233$904$657$311
27 years$2,100$1,563$1,145$828$592$271
28 years$2,004$1,473$1,064$758$534$236
29 years$1,914$1,389$990$695$482$205
30 years$1,830$1,312$923$638$436$179
31 years$1,752$1,240$860$586$394$156
32 years$1,679$1,173$802$539$356$136
33 years$1,610$1,111$749$495$323$118
34 years$1,546$1,053$700$456$292$103
35 years$1,485$999$654$420$265$90
36 years$1,428$948$612$386$240$79
37 years$1,374$901$573$356$217$69
38 years$1,323$856$537$328$197$60
39 years$1,275$814$503$303$179$52
40 years$1,229$774$471$279$162$46
41 years$1,186$737$442$258$147$40
42 years$1,145$702$415$238$133$35
43 years$1,105$669$389$219$121$30
44 years$1,068$638$365$203$110$26
45 years$1,033$608$343$187$100$23
46 years$999$580$322$173$91$20
47 years$966$553$302$160$82$18
48 years$936$528$284$148$75$15
49 years$906$505$267$136$68$13
50 years$878$482$251$126$62$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $899,000, adding $4,327 every year, while hoping to spend $42,663 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: 47/46/7 Blend
34$899,000$899,000$899,000$899,000
35$995,161$947,514$933,580$1,039,862
36$1,051,275$948,549$919,462$1,072,034
37$1,111,682$948,205$903,441$1,102,101
38$1,176,775$946,369$885,408$1,133,732
39$1,246,987$942,922$865,250$1,167,087
40$1,322,791$937,737$842,847$1,202,340
41$1,404,709$930,679$818,075$1,239,688
42$1,493,312$921,605$790,804$1,279,350
43$1,589,230$910,364$760,896$1,321,567
44$1,693,156$896,796$728,210$1,366,612
45$1,805,849$880,730$692,597$1,414,785
46$1,928,147$861,987$653,900$1,466,422
47$2,060,969$840,376$611,957$1,521,895
48$2,205,328$815,695$566,598$1,581,620
49$2,362,337$787,729$517,644$1,646,056
50$2,533,221$756,254$464,911$1,715,716
51$2,719,328$721,029$408,204$1,791,169
52$2,922,141$681,800$347,320$1,873,046
53$3,143,292$638,301$282,048$1,962,048
54$3,384,578$590,248$212,167$2,058,953
55$3,647,977$537,342$137,446$2,164,625
56$3,935,664$479,266$57,644$2,280,020
57$4,250,037$415,685$0$2,406,200
58$4,593,733$346,245$0$2,546,398
59$4,969,657$270,575$0$2,704,592
60$5,381,008$188,279$0$2,877,937
61$5,831,306$98,940$0$3,068,056
62$6,324,430$2,118$0$3,276,746
63$6,864,650$0$0$3,505,994
64$7,456,669$0$0$3,809,960
65$8,105,666$0$0$4,144,459
66$8,817,346$0$0$4,511,372
67$9,597,992$0$0$4,913,952
68$10,454,524$0$0$5,355,782
69$11,394,565$0$0$5,840,807
70$12,426,511$0$0$6,373,375
71$13,559,611$0$0$6,958,274
72$14,804,053$0$0$7,600,779
73$16,171,061$0$0$8,306,702
74$17,673,000$0$0$9,082,445
75$19,323,490$0$0$9,935,060
76$21,137,536$0$0$10,872,317
77$23,131,672$0$0$11,902,776
78$25,324,110$0$0$13,035,869
79$27,734,916$0$0$14,281,986
80$30,386,198$0$0$15,652,576
81$33,302,315$0$0$17,160,251
82$36,510,102$0$0$18,818,909
83$40,039,128$0$0$20,643,862
84$43,921,972$0$0$22,651,981
85$48,194,530$0$0$24,861,856
86$52,896,354$0$0$27,293,968
87$58,071,022$0$0$29,970,885
88$63,766,552$0$0$32,917,476
89$70,035,853$0$0$36,161,140
90$76,937,224$0$0$39,732,069
91$84,534,903$0$0$43,663,532
92$92,899,673$0$0$47,992,186
93$102,109,528$0$0$52,758,424
94$112,250,413$0$0$58,006,756
95$123,417,028$0$0$63,786,228
96$135,713,726$0$0$70,150,883
97$149,255,494$0$0$77,160,275
98$164,169,039$0$0$84,880,025
99$180,593,985$0$0$93,382,447
100$198,684,186$0$0$102,747,222