Can I retire at age 35 with 899,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%12.2%
1 years$74,239$73,577$72,932$72,302$71,688$71,028
2 years$36,752$36,067$35,404$34,761$34,137$33,472
3 years$24,258$23,570$22,909$22,272$21,658$21,009
4 years$18,012$17,327$16,672$16,045$15,447$14,818
5 years$14,266$13,584$12,938$12,324$11,742$11,136
6 years$11,769$11,093$10,456$9,856$9,291$8,708
7 years$9,986$9,316$8,689$8,103$7,556$6,997
8 years$8,650$7,985$7,369$6,797$6,269$5,733
9 years$7,611$6,953$6,347$5,790$5,279$4,767
10 years$6,780$6,128$5,533$4,991$4,498$4,008
11 years$6,101$5,456$4,871$4,344$3,868$3,402
12 years$5,535$4,897$4,323$3,810$3,352$2,908
13 years$5,057$4,425$3,862$3,364$2,923$2,500
14 years$4,647$4,022$3,470$2,986$2,563$2,161
15 years$4,293$3,675$3,133$2,663$2,256$1,875
16 years$3,983$3,371$2,841$2,384$1,994$1,633
17 years$3,710$3,105$2,585$2,142$1,768$1,426
18 years$3,467$2,869$2,360$1,931$1,572$1,248
19 years$3,250$2,659$2,160$1,744$1,401$1,096
20 years$3,055$2,471$1,983$1,580$1,252$963
21 years$2,879$2,302$1,824$1,434$1,120$848
22 years$2,719$2,148$1,681$1,304$1,004$748
23 years$2,574$2,009$1,552$1,187$901$660
24 years$2,440$1,883$1,435$1,083$810$584
25 years$2,318$1,767$1,329$989$729$517
26 years$2,205$1,660$1,233$904$657$457
27 years$2,100$1,563$1,145$828$592$405
28 years$2,004$1,473$1,064$758$534$359
29 years$1,914$1,389$990$695$482$319
30 years$1,830$1,312$923$638$436$283
31 years$1,752$1,240$860$586$394$251
32 years$1,679$1,173$802$539$356$223
33 years$1,610$1,111$749$495$323$199
34 years$1,546$1,053$700$456$292$177
35 years$1,485$999$654$420$265$157
36 years$1,428$948$612$386$240$140
37 years$1,374$901$573$356$217$124
38 years$1,323$856$537$328$197$111
39 years$1,275$814$503$303$179$98
40 years$1,229$774$471$279$162$88
41 years$1,186$737$442$258$147$78
42 years$1,145$702$415$238$133$69
43 years$1,105$669$389$219$121$62
44 years$1,068$638$365$203$110$55
45 years$1,033$608$343$187$100$49
46 years$999$580$322$173$91$44
47 years$966$553$302$160$82$39
48 years$936$528$284$148$75$35
49 years$906$505$267$136$68$31
50 years$878$482$251$126$62$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $899,000, adding $2,988 every year, while hoping to spend $36,311 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: 53/24/23 Blend
34$899,000$899,000$899,000$899,000
35$993,780$946,133$932,199$1,039,987
36$1,056,511$953,859$924,793$1,079,878
37$1,124,424$960,747$915,922$1,119,258
38$1,198,008$966,716$905,498$1,161,353
39$1,277,803$971,683$893,430$1,206,435
40$1,364,401$975,558$879,623$1,254,805
41$1,458,455$978,246$863,975$1,306,797
42$1,560,681$979,643$846,382$1,362,777
43$1,671,868$979,644$826,733$1,423,155
44$1,792,885$978,132$804,915$1,488,379
45$1,924,685$974,986$780,805$1,558,951
46$2,068,320$970,078$754,280$1,635,419
47$2,224,946$963,269$725,206$1,718,395
48$2,395,837$954,415$693,446$1,808,553
49$2,582,392$943,362$658,856$1,906,637
50$2,786,155$929,946$621,287$2,013,473
51$3,008,823$913,993$580,580$2,129,970
52$3,252,265$895,321$536,572$2,257,136
53$3,518,540$873,735$489,091$2,396,082
54$3,809,912$849,030$437,957$2,548,038
55$4,128,878$820,987$382,983$2,714,362
56$4,478,184$789,376$323,974$2,896,554
57$4,860,857$753,953$260,725$3,096,271
58$5,280,228$714,461$193,023$3,315,345
59$5,739,967$670,625$120,645$3,555,797
60$6,244,116$622,158$43,359$3,819,859
61$6,797,127$568,754$0$4,109,998
62$7,403,902$510,091$0$4,438,537
63$8,069,842$445,828$0$4,810,859
64$8,800,896$375,604$0$5,219,698
65$9,603,618$299,039$0$5,668,783
66$10,485,226$215,731$0$6,162,230
67$11,453,672$125,255$0$6,704,576
68$12,517,717$27,163$0$7,300,824
69$13,687,011$0$0$7,956,490
70$14,972,186$0$0$8,698,527
71$16,384,956$0$0$9,522,217
72$17,938,225$0$0$10,427,920
73$19,646,211$0$0$11,423,940
74$21,524,577$0$0$12,519,424
75$23,590,582$0$0$13,724,450
76$25,863,240$0$0$15,050,122
77$28,363,501$0$0$16,508,674
78$31,114,449$0$0$18,113,587
79$34,141,516$0$0$19,879,714
80$37,472,726$0$0$21,823,420
81$41,138,955$0$0$23,962,736
82$45,174,227$0$0$26,317,533
83$49,616,027$0$0$28,909,703
84$54,505,664$0$0$31,763,370
85$59,888,650$0$0$34,905,114
86$65,815,139$0$0$38,364,225
87$72,340,391$0$0$42,172,977
88$79,525,301$0$0$46,366,934
89$87,436,966$0$0$50,985,282
90$96,149,324$0$0$56,071,202
91$105,743,847$0$0$61,672,277
92$116,310,311$0$0$67,840,939
93$127,947,643$0$0$74,634,965
94$140,764,853$0$0$82,118,019
95$154,882,065$0$0$90,360,260
96$170,431,648$0$0$99,438,994
97$187,559,464$0$0$109,439,412
98$206,426,246$0$0$120,455,388
99$227,209,116$0$0$132,590,368
100$250,103,251$0$0$145,958,344