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%13.9%
1 years$74,321$73,659$73,013$72,383$71,767$70,607
2 years$36,793$36,107$35,443$34,799$34,175$33,010
3 years$24,285$23,597$22,934$22,296$21,682$20,547
4 years$18,032$17,346$16,690$16,063$15,464$14,369
5 years$14,281$13,599$12,952$12,338$11,755$10,703
6 years$11,782$11,105$10,467$9,867$9,302$8,293
7 years$9,997$9,326$8,698$8,112$7,565$6,600
8 years$8,659$7,994$7,377$6,805$6,276$5,355
9 years$7,619$6,960$6,354$5,796$5,285$4,408
10 years$6,787$6,135$5,539$4,997$4,503$3,669
11 years$6,108$5,462$4,877$4,348$3,873$3,081
12 years$5,541$4,902$4,328$3,814$3,356$2,605
13 years$5,063$4,430$3,867$3,367$2,927$2,215
14 years$4,653$4,027$3,474$2,989$2,565$1,893
15 years$4,298$3,679$3,137$2,666$2,259$1,624
16 years$3,987$3,375$2,844$2,387$1,996$1,397
17 years$3,714$3,108$2,588$2,145$1,770$1,206
18 years$3,471$2,872$2,362$1,933$1,574$1,043
19 years$3,254$2,662$2,163$1,746$1,403$904
20 years$3,059$2,474$1,985$1,582$1,253$785
21 years$2,883$2,304$1,826$1,436$1,121$682
22 years$2,722$2,151$1,683$1,305$1,005$594
23 years$2,577$2,012$1,554$1,189$902$518
24 years$2,443$1,885$1,437$1,084$811$452
25 years$2,320$1,769$1,331$990$730$394
26 years$2,207$1,662$1,234$905$657$345
27 years$2,103$1,564$1,146$829$593$301
28 years$2,006$1,474$1,065$759$535$263
29 years$1,916$1,391$991$696$483$231
30 years$1,832$1,313$924$639$436$202
31 years$1,754$1,242$861$587$394$177
32 years$1,680$1,175$803$539$357$155
33 years$1,612$1,113$750$496$323$136
34 years$1,547$1,054$701$456$292$119
35 years$1,487$1,000$655$420$265$104
36 years$1,429$949$613$387$240$91
37 years$1,375$902$574$356$217$80
38 years$1,324$857$537$329$197$70
39 years$1,276$815$503$303$179$62
40 years$1,230$775$472$279$162$54
41 years$1,187$738$442$258$147$47
42 years$1,146$703$415$238$133$42
43 years$1,107$670$389$220$121$37
44 years$1,069$638$366$203$110$32
45 years$1,034$609$343$187$100$28
46 years$1,000$581$322$173$91$25
47 years$968$554$303$160$82$22
48 years$937$529$285$148$75$19
49 years$907$505$267$136$68$17
50 years$879$482$251$126$62$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $900,000, adding $5,638 every year, while hoping to spend $22,265 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: 61/24/15 Blend
34$900,000$900,000$900,000$900,000
35$997,616$949,916$935,966$1,054,407
36$1,075,683$972,772$943,631$1,116,158
37$1,160,966$996,001$950,806$1,180,507
38$1,254,179$1,019,600$957,453$1,250,199
39$1,356,106$1,043,560$963,527$1,325,753
40$1,467,610$1,067,876$968,987$1,407,741
41$1,589,642$1,092,539$973,784$1,496,793
42$1,723,251$1,117,538$977,871$1,593,604
43$1,869,589$1,142,864$981,196$1,698,938
44$2,029,926$1,168,503$983,705$1,813,637
45$2,205,661$1,194,442$985,342$1,938,629
46$2,398,335$1,220,666$986,047$2,074,938
47$2,609,643$1,247,158$985,759$2,223,689
48$2,841,456$1,273,897$984,411$2,386,124
49$3,095,831$1,300,865$981,935$2,563,610
50$3,375,035$1,328,037$978,259$2,757,656
51$3,681,566$1,355,388$973,308$2,969,922
52$4,018,175$1,382,891$967,003$3,202,238
53$4,387,893$1,410,517$959,262$3,456,621
54$4,794,057$1,438,231$949,996$3,735,294
55$5,240,346$1,466,000$939,116$4,040,706
56$5,730,812$1,493,784$926,527$4,375,556
57$6,269,917$1,521,542$912,128$4,742,819
58$6,862,579$1,549,228$895,815$5,145,773
59$7,514,217$1,576,795$877,480$5,588,032
60$8,230,799$1,604,190$857,007$6,073,576
61$9,018,902$1,631,356$834,278$6,606,794
62$9,885,771$1,658,234$809,167$7,192,523
63$10,839,389$1,684,757$781,544$7,836,091
64$11,888,552$1,710,855$751,271$8,543,373
65$13,042,951$1,736,454$718,205$9,320,843
66$14,313,265$1,761,473$682,198$10,175,635
67$15,711,258$1,785,826$643,092$11,115,612
68$17,249,895$1,809,420$600,725$12,149,441
69$18,943,460$1,832,157$554,924$13,286,672
70$20,807,692$1,853,932$505,513$14,537,833
71$22,859,934$1,874,631$452,305$15,914,522
72$25,119,295$1,894,136$395,105$17,429,527
73$27,606,831$1,912,317$333,709$19,096,939
74$30,345,746$1,929,038$267,906$20,932,286
75$33,361,604$1,944,153$197,473$22,952,685
76$36,682,579$1,957,508$122,180$25,176,998
77$40,339,713$1,968,937$41,784$27,626,014
78$44,367,214$1,978,265$0$30,322,646
79$48,802,774$1,985,304$0$33,299,187
80$53,687,930$1,989,857$0$36,584,017
81$59,068,450$1,991,712$0$40,201,156
82$64,994,771$1,990,645$0$44,184,450
83$71,522,469$1,986,417$0$48,571,198
84$78,712,786$1,978,777$0$53,402,506
85$86,633,209$1,967,456$0$58,723,671
86$95,358,104$1,952,169$0$64,584,612
87$104,969,420$1,932,615$0$71,040,341
88$115,557,462$1,908,473$0$78,151,480
89$127,221,740$1,879,405$0$85,984,838
90$140,071,913$1,845,052$0$94,614,039
91$154,228,820$1,805,032$0$104,120,217
92$169,825,624$1,758,943$0$114,592,785
93$187,009,064$1,706,357$0$126,130,276
94$205,940,843$1,646,823$0$138,841,276
95$226,799,155$1,579,863$0$152,845,450
96$249,780,364$1,504,971$0$168,274,669
97$275,100,858$1,421,612$0$185,274,261
98$302,999,094$1,329,219$0$204,004,376
99$333,737,845$1,227,195$0$224,641,506
100$367,606,683$1,114,906$0$247,380,146