Can I retire at age 35 with 900,000?

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 $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%15.4%
1 years$74,321$73,659$73,013$72,383$71,767$70,175
2 years$36,793$36,107$35,443$34,799$34,175$32,579
3 years$24,285$23,597$22,934$22,296$21,682$20,132
4 years$18,032$17,346$16,690$16,063$15,464$13,972
5 years$14,281$13,599$12,952$12,338$11,755$10,326
6 years$11,782$11,105$10,467$9,867$9,302$7,936
7 years$9,997$9,326$8,698$8,112$7,565$6,263
8 years$8,659$7,994$7,377$6,805$6,276$5,038
9 years$7,619$6,960$6,354$5,796$5,285$4,110
10 years$6,787$6,135$5,539$4,997$4,503$3,389
11 years$6,108$5,462$4,877$4,348$3,873$2,819
12 years$5,541$4,902$4,328$3,814$3,356$2,361
13 years$5,063$4,430$3,867$3,367$2,927$1,988
14 years$4,653$4,027$3,474$2,989$2,565$1,681
15 years$4,298$3,679$3,137$2,666$2,259$1,427
16 years$3,987$3,375$2,844$2,387$1,996$1,215
17 years$3,714$3,108$2,588$2,145$1,770$1,038
18 years$3,471$2,872$2,362$1,933$1,574$888
19 years$3,254$2,662$2,163$1,746$1,403$761
20 years$3,059$2,474$1,985$1,582$1,253$653
21 years$2,883$2,304$1,826$1,436$1,121$562
22 years$2,722$2,151$1,683$1,305$1,005$483
23 years$2,577$2,012$1,554$1,189$902$416
24 years$2,443$1,885$1,437$1,084$811$359
25 years$2,320$1,769$1,331$990$730$310
26 years$2,207$1,662$1,234$905$657$267
27 years$2,103$1,564$1,146$829$593$231
28 years$2,006$1,474$1,065$759$535$199
29 years$1,916$1,391$991$696$483$172
30 years$1,832$1,313$924$639$436$149
31 years$1,754$1,242$861$587$394$129
32 years$1,680$1,175$803$539$357$112
33 years$1,612$1,113$750$496$323$97
34 years$1,547$1,054$701$456$292$84
35 years$1,487$1,000$655$420$265$72
36 years$1,429$949$613$387$240$63
37 years$1,375$902$574$356$217$54
38 years$1,324$857$537$329$197$47
39 years$1,276$815$503$303$179$41
40 years$1,230$775$472$279$162$35
41 years$1,187$738$442$258$147$31
42 years$1,146$703$415$238$133$26
43 years$1,107$670$389$220$121$23
44 years$1,069$638$366$203$110$20
45 years$1,034$609$343$187$100$17
46 years$1,000$581$322$173$91$15
47 years$968$554$303$160$82$13
48 years$937$529$285$148$75$11
49 years$907$505$267$136$68$10
50 years$879$482$251$126$62$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $900,000, adding $3,890 every year, while hoping to spend $51,007 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: 65/6/29 Blend
34$900,000$900,000$900,000$900,000
35$995,813$948,113$934,163$1,052,640
36$1,043,114$940,299$911,186$1,083,746
37$1,093,531$930,393$885,730$1,111,742
38$1,147,328$918,238$857,658$1,141,237
39$1,204,792$903,669$826,827$1,172,385
40$1,266,242$886,510$793,086$1,205,357
41$1,332,024$866,574$756,280$1,240,343
42$1,402,520$843,666$716,245$1,277,556
43$1,478,147$817,575$672,809$1,317,230
44$1,559,364$788,082$625,794$1,359,626
45$1,646,674$754,954$575,013$1,405,034
46$1,740,630$717,941$520,271$1,453,776
47$1,841,838$676,784$461,364$1,506,210
48$1,950,965$631,206$398,079$1,562,731
49$2,068,742$580,914$330,194$1,623,780
50$2,195,974$525,600$257,476$1,689,842
51$2,333,545$464,936$179,683$1,761,458
52$2,482,426$398,577$96,562$1,839,227
53$2,643,685$326,158$7,848$1,923,812
54$2,818,496$247,295$0$2,015,946
55$3,008,150$161,580$0$2,143,310
56$3,214,067$68,583$0$2,284,275
57$3,437,808$0$0$2,437,499
58$3,681,093$0$0$2,606,305
59$3,945,810$0$0$2,794,963
60$4,234,039$0$0$3,000,432
61$4,548,070$0$0$3,224,351
62$4,890,419$0$0$3,468,522
63$5,263,859$0$0$3,734,931
64$5,671,441$0$0$4,025,761
65$6,116,521$0$0$4,343,417
66$6,602,798$0$0$4,690,545
67$7,134,340$0$0$5,070,059
68$7,715,629$0$0$5,485,167
69$8,351,596$0$0$5,939,402
70$9,047,675$0$0$6,436,654
71$9,809,847$0$0$6,981,206
72$10,644,699$0$0$7,577,774
73$11,559,484$0$0$8,231,553
74$12,562,192$0$0$8,948,265
75$13,661,621$0$0$9,734,210
76$14,867,461$0$0$10,596,327
77$16,190,386$0$0$11,542,262
78$17,642,152$0$0$12,580,432
79$19,235,710$0$0$13,720,113
80$20,985,323$0$0$14,971,520
81$22,906,705$0$0$16,345,908
82$25,017,165$0$0$17,855,673
83$27,335,773$0$0$19,514,472
84$29,883,535$0$0$21,337,350
85$32,683,594$0$0$23,340,883
86$35,761,444$0$0$25,543,330
87$39,145,175$0$0$27,964,810
88$42,865,733$0$0$30,627,487
89$46,957,211$0$0$33,555,780
90$51,457,175$0$0$36,776,594
91$56,407,010$0$0$40,319,572
92$61,852,316$0$0$44,217,375
93$67,843,334$0$0$48,505,987
94$74,435,423$0$0$53,225,059
95$81,689,574$0$0$58,418,277
96$89,672,993$0$0$64,133,777
97$98,459,731$0$0$70,424,599
98$108,131,378$0$0$77,349,184
99$118,777,840$0$0$84,971,927
100$130,498,177$0$0$93,363,782