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%15.3%
1 years$74,239$73,577$72,932$72,302$71,688$70,125
2 years$36,752$36,067$35,404$34,761$34,137$32,571
3 years$24,258$23,570$22,909$22,272$21,658$20,137
4 years$18,012$17,327$16,672$16,045$15,447$13,983
5 years$14,266$13,584$12,938$12,324$11,742$10,339
6 years$11,769$11,093$10,456$9,856$9,291$7,950
7 years$9,986$9,316$8,689$8,103$7,556$6,278
8 years$8,650$7,985$7,369$6,797$6,269$5,053
9 years$7,611$6,953$6,347$5,790$5,279$4,124
10 years$6,780$6,128$5,533$4,991$4,498$3,404
11 years$6,101$5,456$4,871$4,344$3,868$2,833
12 years$5,535$4,897$4,323$3,810$3,352$2,374
13 years$5,057$4,425$3,862$3,364$2,923$2,000
14 years$4,647$4,022$3,470$2,986$2,563$1,693
15 years$4,293$3,675$3,133$2,663$2,256$1,438
16 years$3,983$3,371$2,841$2,384$1,994$1,225
17 years$3,710$3,105$2,585$2,142$1,768$1,047
18 years$3,467$2,869$2,360$1,931$1,572$896
19 years$3,250$2,659$2,160$1,744$1,401$769
20 years$3,055$2,471$1,983$1,580$1,252$661
21 years$2,879$2,302$1,824$1,434$1,120$568
22 years$2,719$2,148$1,681$1,304$1,004$489
23 years$2,574$2,009$1,552$1,187$901$422
24 years$2,440$1,883$1,435$1,083$810$364
25 years$2,318$1,767$1,329$989$729$314
26 years$2,205$1,660$1,233$904$657$272
27 years$2,100$1,563$1,145$828$592$235
28 years$2,004$1,473$1,064$758$534$203
29 years$1,914$1,389$990$695$482$176
30 years$1,830$1,312$923$638$436$152
31 years$1,752$1,240$860$586$394$132
32 years$1,679$1,173$802$539$356$114
33 years$1,610$1,111$749$495$323$99
34 years$1,546$1,053$700$456$292$85
35 years$1,485$999$654$420$265$74
36 years$1,428$948$612$386$240$64
37 years$1,374$901$573$356$217$56
38 years$1,323$856$537$328$197$48
39 years$1,275$814$503$303$179$42
40 years$1,229$774$471$279$162$36
41 years$1,186$737$442$258$147$31
42 years$1,145$702$415$238$133$27
43 years$1,105$669$389$219$121$24
44 years$1,068$638$365$203$110$20
45 years$1,033$608$343$187$100$18
46 years$999$580$322$173$91$15
47 years$966$553$302$160$82$13
48 years$936$528$284$148$75$12
49 years$906$505$267$136$68$10
50 years$878$482$251$126$62$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $899,000, adding $2,502 every year, while hoping to spend $36,013 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: 77/15/8 Blend
34$899,000$899,000$899,000$899,000
35$993,279$945,632$931,697$1,068,436
36$1,056,276$953,650$924,592$1,126,188
37$1,124,491$960,855$916,041$1,184,605
38$1,198,420$967,167$905,959$1,247,606
39$1,278,605$972,504$894,254$1,315,633
40$1,365,644$976,778$880,833$1,389,169
41$1,460,195$979,896$865,596$1,468,751
42$1,562,980$981,756$848,440$1,554,967
43$1,674,796$982,254$829,254$1,648,468
44$1,796,517$981,276$807,926$1,749,969
45$1,929,107$978,704$784,337$1,860,259
46$2,073,625$974,410$758,362$1,980,207
47$2,231,239$968,260$729,870$2,110,770
48$2,403,231$960,110$698,727$2,253,006
49$2,591,016$949,811$664,789$2,408,077
50$2,796,147$937,200$627,908$2,577,266
51$3,020,340$922,107$587,928$2,761,986
52$3,265,477$904,354$544,686$2,963,797
53$3,533,637$883,748$498,014$3,184,415
54$3,827,103$860,087$447,733$3,425,734
55$4,148,394$833,157$393,658$3,689,841
56$4,500,280$802,733$335,596$3,979,036
57$4,885,815$768,573$273,345$4,295,854
58$5,308,359$730,424$206,693$4,643,091
59$5,771,615$688,017$135,420$5,023,828
60$6,279,659$641,070$59,296$5,441,461
61$6,836,983$589,281$0$5,899,734
62$7,448,534$532,334$0$6,404,647
63$8,119,759$469,893$0$6,964,400
64$8,856,661$401,604$0$7,578,961
65$9,665,850$327,093$0$8,253,883
66$10,554,610$245,963$0$8,995,283
67$11,530,962$157,798$0$9,809,902
68$12,603,746$62,156$0$10,705,172
69$13,782,697$0$0$11,689,279
70$15,078,543$0$0$12,778,088
71$16,503,100$0$0$13,986,357
72$18,069,388$0$0$15,314,873
73$19,791,751$0$0$16,775,809
74$21,685,993$0$0$18,382,573
75$23,769,525$0$0$20,149,939
76$26,061,531$0$0$22,094,185
77$28,583,149$0$0$24,233,247
78$31,357,667$0$0$26,586,884
79$34,410,745$0$0$29,176,871
80$37,770,658$0$0$32,027,197
81$41,468,557$0$0$35,164,297
82$45,538,768$0$0$38,617,296
83$50,019,114$0$0$42,418,287
84$54,951,270$0$0$46,602,634
85$60,381,158$0$0$51,209,301
86$66,359,377$0$0$56,281,223
87$72,941,684$0$0$61,865,712
88$80,189,516$0$0$68,014,898
89$88,170,572$0$0$74,786,226
90$96,959,450$0$0$82,242,995
91$106,638,351$0$0$90,454,954
92$117,297,855$0$0$99,498,963
93$129,037,774$0$0$109,459,715
94$141,968,094$0$0$120,430,538
95$156,210,013$0$0$132,514,271
96$171,897,084$0$0$145,824,240
97$189,176,478$0$0$160,485,321
98$208,210,364$0$0$176,635,123
99$229,177,451$0$0$194,425,284
100$252,274,664$0$0$214,022,903