Can I retire at age 35 with 900,000?

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 $900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$74,321$73,659$73,013$72,383$71,767$69,414
2 years$36,793$36,107$35,443$34,799$34,175$31,827
3 years$24,285$23,597$22,934$22,296$21,682$19,412
4 years$18,032$17,346$16,690$16,063$15,464$13,290
5 years$14,281$13,599$12,952$12,338$11,755$9,683
6 years$11,782$11,105$10,467$9,867$9,302$7,333
7 years$9,997$9,326$8,698$8,112$7,565$5,699
8 years$8,659$7,994$7,377$6,805$6,276$4,512
9 years$7,619$6,960$6,354$5,796$5,285$3,621
10 years$6,787$6,135$5,539$4,997$4,503$2,937
11 years$6,108$5,462$4,877$4,348$3,873$2,401
12 years$5,541$4,902$4,328$3,814$3,356$1,975
13 years$5,063$4,430$3,867$3,367$2,927$1,633
14 years$4,653$4,027$3,474$2,989$2,565$1,356
15 years$4,298$3,679$3,137$2,666$2,259$1,129
16 years$3,987$3,375$2,844$2,387$1,996$943
17 years$3,714$3,108$2,588$2,145$1,770$789
18 years$3,471$2,872$2,362$1,933$1,574$662
19 years$3,254$2,662$2,163$1,746$1,403$556
20 years$3,059$2,474$1,985$1,582$1,253$468
21 years$2,883$2,304$1,826$1,436$1,121$394
22 years$2,722$2,151$1,683$1,305$1,005$332
23 years$2,577$2,012$1,554$1,189$902$280
24 years$2,443$1,885$1,437$1,084$811$236
25 years$2,320$1,769$1,331$990$730$199
26 years$2,207$1,662$1,234$905$657$168
27 years$2,103$1,564$1,146$829$593$142
28 years$2,006$1,474$1,065$759$535$120
29 years$1,916$1,391$991$696$483$102
30 years$1,832$1,313$924$639$436$86
31 years$1,754$1,242$861$587$394$73
32 years$1,680$1,175$803$539$357$62
33 years$1,612$1,113$750$496$323$52
34 years$1,547$1,054$701$456$292$44
35 years$1,487$1,000$655$420$265$37
36 years$1,429$949$613$387$240$32
37 years$1,375$902$574$356$217$27
38 years$1,324$857$537$329$197$23
39 years$1,276$815$503$303$179$19
40 years$1,230$775$472$279$162$16
41 years$1,187$738$442$258$147$14
42 years$1,146$703$415$238$133$12
43 years$1,107$670$389$220$121$10
44 years$1,069$638$366$203$110$8
45 years$1,034$609$343$187$100$7
46 years$1,000$581$322$173$91$6
47 years$968$554$303$160$82$5
48 years$937$529$285$148$75$4
49 years$907$505$267$136$68$4
50 years$879$482$251$126$62$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $900,000, adding $6,398 every year, while hoping to spend $59,621 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: 73/15/12 Blend
34$900,000$900,000$900,000$900,000
35$998,400$950,700$936,750$1,068,374
36$1,036,800$933,848$904,694$1,098,650
37$1,077,119$914,172$869,567$1,123,804
38$1,119,490$891,470$831,202$1,149,736
39$1,164,056$865,530$789,425$1,176,508
40$1,210,974$836,127$744,056$1,204,187
41$1,260,417$803,020$694,905$1,232,850
42$1,312,569$765,957$641,774$1,262,583
43$1,367,633$724,672$584,456$1,293,482
44$1,425,832$678,880$522,735$1,325,654
45$1,487,405$628,284$456,385$1,359,217
46$1,552,618$572,567$385,171$1,394,306
47$1,621,757$511,396$308,847$1,431,069
48$1,695,138$444,416$227,155$1,469,671
49$1,773,105$371,255$139,827$1,510,299
50$1,856,034$291,518$46,584$1,553,158
51$1,944,336$204,790$0$1,598,477
52$2,038,464$110,630$0$1,653,291
53$2,138,910$8,574$0$1,717,912
54$2,246,217$0$0$1,786,729
55$2,360,977$0$0$1,876,950
56$2,483,840$0$0$1,975,084
57$2,615,519$0$0$2,080,289
58$2,756,797$0$0$2,193,192
59$2,908,532$0$0$2,314,483
60$3,071,666$0$0$2,444,921
61$3,247,233$0$0$2,585,335
62$3,436,369$0$0$2,736,639
63$3,640,322$0$0$2,899,835
64$3,860,461$0$0$3,076,026
65$4,098,292$0$0$3,266,420
66$4,355,470$0$0$3,472,350
67$4,633,814$0$0$3,695,275
68$4,935,322$0$0$3,936,805
69$5,262,194$0$0$4,198,705
70$5,616,845$0$0$4,482,921
71$6,001,935$0$0$4,791,589
72$6,420,388$0$0$5,127,060
73$6,875,419$0$0$5,491,922
74$7,370,569$0$0$5,889,019
75$7,909,731$0$0$6,321,483
76$8,497,189$0$0$6,792,760
77$9,137,659$0$0$7,306,641
78$9,836,329$0$0$7,867,300
79$10,598,914$0$0$8,479,331
80$11,431,699$0$0$9,147,791
81$12,341,606$0$0$9,878,246
82$13,336,256$0$0$10,676,824
83$14,424,039$0$0$11,550,275
84$15,614,191$0$0$12,506,026
85$16,916,884$0$0$13,552,258
86$18,343,317$0$0$14,697,981
87$19,905,826$0$0$15,953,115
88$21,617,993$0$0$17,328,584
89$23,494,777$0$0$18,836,422
90$25,552,652$0$0$20,489,878
91$27,809,765$0$0$22,303,550
92$30,286,102$0$0$24,293,513
93$33,003,678$0$0$26,477,475
94$35,986,740$0$0$28,874,940
95$39,262,001$0$0$31,507,395
96$42,858,883$0$0$34,398,508
97$46,809,800$0$0$37,574,351
98$51,150,460$0$0$41,063,646
99$55,920,197$0$0$44,898,036
100$61,162,348$0$0$49,112,380