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%15.9%
1 years$74,239$73,577$72,932$72,302$71,688$69,955
2 years$36,752$36,067$35,404$34,761$34,137$32,401
3 years$24,258$23,570$22,909$22,272$21,658$19,974
4 years$18,012$17,327$16,672$16,045$15,447$13,827
5 years$14,266$13,584$12,938$12,324$11,742$10,192
6 years$11,769$11,093$10,456$9,856$9,291$7,812
7 years$9,986$9,316$8,689$8,103$7,556$6,148
8 years$8,650$7,985$7,369$6,797$6,269$4,931
9 years$7,611$6,953$6,347$5,790$5,279$4,010
10 years$6,780$6,128$5,533$4,991$4,498$3,297
11 years$6,101$5,456$4,871$4,344$3,868$2,734
12 years$5,535$4,897$4,323$3,810$3,352$2,282
13 years$5,057$4,425$3,862$3,364$2,923$1,915
14 years$4,647$4,022$3,470$2,986$2,563$1,614
15 years$4,293$3,675$3,133$2,663$2,256$1,365
16 years$3,983$3,371$2,841$2,384$1,994$1,159
17 years$3,710$3,105$2,585$2,142$1,768$986
18 years$3,467$2,869$2,360$1,931$1,572$840
19 years$3,250$2,659$2,160$1,744$1,401$717
20 years$3,055$2,471$1,983$1,580$1,252$614
21 years$2,879$2,302$1,824$1,434$1,120$525
22 years$2,719$2,148$1,681$1,304$1,004$450
23 years$2,574$2,009$1,552$1,187$901$386
24 years$2,440$1,883$1,435$1,083$810$332
25 years$2,318$1,767$1,329$989$729$285
26 years$2,205$1,660$1,233$904$657$245
27 years$2,100$1,563$1,145$828$592$211
28 years$2,004$1,473$1,064$758$534$182
29 years$1,914$1,389$990$695$482$156
30 years$1,830$1,312$923$638$436$135
31 years$1,752$1,240$860$586$394$116
32 years$1,679$1,173$802$539$356$100
33 years$1,610$1,111$749$495$323$86
34 years$1,546$1,053$700$456$292$74
35 years$1,485$999$654$420$265$64
36 years$1,428$948$612$386$240$55
37 years$1,374$901$573$356$217$48
38 years$1,323$856$537$328$197$41
39 years$1,275$814$503$303$179$35
40 years$1,229$774$471$279$162$30
41 years$1,186$737$442$258$147$26
42 years$1,145$702$415$238$133$23
43 years$1,105$669$389$219$121$20
44 years$1,068$638$365$203$110$17
45 years$1,033$608$343$187$100$15
46 years$999$580$322$173$91$13
47 years$966$553$302$160$82$11
48 years$936$528$284$148$75$9
49 years$906$505$267$136$68$8
50 years$878$482$251$126$62$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $899,000, adding $6,507 every year, while hoping to spend $30,355 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: 74/7/19 Blend
34$899,000$899,000$899,000$899,000
35$997,410$949,763$935,828$1,066,301
36$1,066,848$964,004$934,881$1,127,112
37$1,142,352$977,925$932,885$1,189,401
38$1,224,508$991,479$929,772$1,256,871
39$1,313,961$1,004,615$925,473$1,330,031
40$1,411,421$1,017,278$919,913$1,409,441
41$1,517,671$1,029,409$913,015$1,495,720
42$1,633,571$1,040,947$904,698$1,589,549
43$1,760,066$1,051,825$894,877$1,691,679
44$1,898,200$1,061,972$883,462$1,802,936
45$2,049,120$1,071,312$870,362$1,924,233
46$2,214,089$1,079,765$855,478$2,056,574
47$2,394,498$1,087,245$838,708$2,201,068
48$2,591,877$1,093,660$819,945$2,358,936
49$2,807,912$1,098,914$799,077$2,531,522
50$3,044,461$1,102,902$775,988$2,720,312
51$3,303,567$1,105,516$750,554$2,926,939
52$3,587,482$1,106,637$722,649$3,153,207
53$3,898,685$1,106,142$692,138$3,401,102
54$4,239,908$1,103,900$658,881$3,672,814
55$4,614,157$1,099,769$622,732$3,970,756
56$5,024,745$1,093,602$583,538$4,297,590
57$5,475,322$1,085,241$541,139$4,656,248
58$5,969,906$1,074,519$495,368$5,049,963
59$6,512,925$1,061,259$446,052$5,482,298
60$7,109,256$1,045,273$393,007$5,957,181
61$7,764,270$1,026,363$336,043$6,478,940
62$8,483,888$1,004,316$274,962$7,052,349
63$9,274,627$978,910$209,556$7,682,667
64$10,143,672$949,910$139,609$8,375,691
65$11,098,934$917,063$64,894$9,137,812
66$12,149,133$880,106$0$9,976,073
67$13,303,872$838,759$0$10,901,247
68$14,573,733$792,725$0$11,933,118
69$15,970,376$741,691$0$13,068,000
70$17,506,645$685,324$0$14,316,343
71$19,196,694$623,276$0$15,689,663
72$21,056,115$555,174$0$17,200,649
73$23,102,089$480,629$0$18,863,281
74$25,353,548$399,226$0$20,692,967
75$27,831,350$310,528$0$22,706,685
76$30,558,477$214,073$0$24,923,141
77$33,560,254$109,375$0$27,362,951
78$36,864,583$0$0$30,048,831
79$40,502,212$0$0$33,006,129
80$44,507,018$0$0$36,271,256
81$48,916,331$0$0$39,866,228
82$53,771,288$0$0$43,824,590
83$59,117,212$0$0$48,183,303
84$65,004,051$0$0$52,983,095
85$71,486,838$0$0$58,268,847
86$78,626,220$0$0$64,090,012
87$86,489,023$0$0$70,501,085
88$95,148,883$0$0$77,562,115
89$104,686,945$0$0$85,339,272
90$115,192,626$0$0$93,905,473
91$126,764,455$0$0$103,341,067
92$139,511,010$0$0$113,734,594
93$153,551,936$0$0$125,183,622
94$169,019,076$0$0$137,795,666
95$186,057,717$0$0$151,689,203
96$204,827,959$0$0$166,994,789
97$225,506,224$0$0$183,856,294
98$248,286,926$0$0$202,432,256
99$273,384,300$0$0$222,897,378
100$301,034,427$0$0$245,444,179