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%14.6%
1 years$74,321$73,659$73,013$72,383$71,767$70,405
2 years$36,793$36,107$35,443$34,799$34,175$32,807
3 years$24,285$23,597$22,934$22,296$21,682$20,352
4 years$18,032$17,346$16,690$16,063$15,464$14,182
5 years$14,281$13,599$12,952$12,338$11,755$10,525
6 years$11,782$11,105$10,467$9,867$9,302$8,124
7 years$9,997$9,326$8,698$8,112$7,565$6,441
8 years$8,659$7,994$7,377$6,805$6,276$5,205
9 years$7,619$6,960$6,354$5,796$5,285$4,266
10 years$6,787$6,135$5,539$4,997$4,503$3,536
11 years$6,108$5,462$4,877$4,348$3,873$2,956
12 years$5,541$4,902$4,328$3,814$3,356$2,488
13 years$5,063$4,430$3,867$3,367$2,927$2,106
14 years$4,653$4,027$3,474$2,989$2,565$1,791
15 years$4,298$3,679$3,137$2,666$2,259$1,529
16 years$3,987$3,375$2,844$2,387$1,996$1,309
17 years$3,714$3,108$2,588$2,145$1,770$1,124
18 years$3,471$2,872$2,362$1,933$1,574$968
19 years$3,254$2,662$2,163$1,746$1,403$834
20 years$3,059$2,474$1,985$1,582$1,253$721
21 years$2,883$2,304$1,826$1,436$1,121$623
22 years$2,722$2,151$1,683$1,305$1,005$540
23 years$2,577$2,012$1,554$1,189$902$468
24 years$2,443$1,885$1,437$1,084$811$406
25 years$2,320$1,769$1,331$990$730$352
26 years$2,207$1,662$1,234$905$657$306
27 years$2,103$1,564$1,146$829$593$266
28 years$2,006$1,474$1,065$759$535$231
29 years$1,916$1,391$991$696$483$201
30 years$1,832$1,313$924$639$436$175
31 years$1,754$1,242$861$587$394$153
32 years$1,680$1,175$803$539$357$133
33 years$1,612$1,113$750$496$323$116
34 years$1,547$1,054$701$456$292$101
35 years$1,487$1,000$655$420$265$88
36 years$1,429$949$613$387$240$77
37 years$1,375$902$574$356$217$67
38 years$1,324$857$537$329$197$58
39 years$1,276$815$503$303$179$51
40 years$1,230$775$472$279$162$44
41 years$1,187$738$442$258$147$39
42 years$1,146$703$415$238$133$34
43 years$1,107$670$389$220$121$29
44 years$1,069$638$366$203$110$26
45 years$1,034$609$343$187$100$22
46 years$1,000$581$322$173$91$20
47 years$968$554$303$160$82$17
48 years$937$529$285$148$75$15
49 years$907$505$267$136$68$13
50 years$879$482$251$126$62$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $900,000, adding $5,097 every year, while hoping to spend $21,199 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: 58/16/26 Blend
34$900,000$900,000$900,000$900,000
35$997,058$949,358$935,408$1,047,575
36$1,076,202$973,321$944,188$1,106,648
37$1,162,708$997,747$952,552$1,168,340
38$1,257,306$1,022,638$960,464$1,235,162
39$1,360,796$1,047,992$967,885$1,307,616
40$1,474,062$1,073,809$974,774$1,386,255
41$1,598,078$1,100,087$981,090$1,471,689
42$1,733,913$1,126,822$986,788$1,564,590
43$1,882,748$1,154,012$991,820$1,665,700
44$2,045,880$1,181,651$996,139$1,775,834
45$2,224,742$1,209,734$999,692$1,895,893
46$2,420,909$1,238,254$1,002,424$2,026,867
47$2,636,116$1,267,202$1,004,280$2,169,849
48$2,872,274$1,296,570$1,005,198$2,326,043
49$3,131,490$1,326,346$1,005,116$2,496,777
50$3,416,082$1,356,517$1,003,967$2,683,513
51$3,728,606$1,387,070$1,001,684$2,887,864
52$4,071,876$1,417,989$998,193$3,111,605
53$4,448,993$1,449,256$993,417$3,356,696
54$4,863,372$1,480,851$987,278$3,625,295
55$5,318,776$1,512,752$979,692$3,919,780
56$5,819,350$1,544,936$970,571$4,242,775
57$6,369,661$1,577,376$959,823$4,597,169
58$6,974,742$1,610,042$947,352$4,986,147
59$7,640,135$1,642,904$933,058$5,413,220
60$8,371,948$1,675,925$916,835$5,882,259
61$9,176,911$1,709,070$898,572$6,397,528
62$10,062,437$1,742,295$878,156$6,963,728
63$11,036,695$1,775,557$855,464$7,586,040
64$12,108,686$1,808,808$830,370$8,270,176
65$13,288,327$1,841,995$802,742$9,022,430
66$14,586,545$1,875,061$772,443$9,849,740
67$16,015,380$1,907,946$739,327$10,759,751
68$17,588,098$1,940,584$703,243$11,760,892
69$19,319,315$1,972,905$664,034$12,862,451
70$21,225,140$2,004,832$621,533$14,074,666
71$23,323,320$2,036,284$575,570$15,408,821
72$25,633,410$2,067,174$525,963$16,877,352
73$28,176,960$2,097,407$472,525$18,493,966
74$30,977,713$2,126,883$415,058$20,273,770
75$34,061,834$2,155,494$353,356$22,233,414
76$37,458,154$2,183,127$287,207$24,391,249
77$41,198,442$2,209,656$216,384$26,767,500
78$45,317,705$2,234,951$140,655$29,384,456
79$49,854,520$2,258,872$59,776$32,266,686
80$54,851,393$2,281,270$0$35,441,265
81$60,355,166$2,301,983$0$38,945,397
82$66,417,456$2,320,843$0$42,822,781
83$73,095,140$2,337,668$0$47,093,143
84$80,450,895$2,352,265$0$51,796,508
85$88,553,790$2,364,429$0$56,976,988
86$97,479,932$2,373,941$0$62,683,191
87$107,313,190$2,380,570$0$68,968,682
88$118,145,986$2,384,068$0$75,892,492
89$130,080,162$2,384,173$0$83,519,670
90$143,227,948$2,380,607$0$91,921,901
91$157,713,016$2,373,074$0$101,178,181
92$173,671,649$2,361,260$0$111,375,563
93$191,254,028$2,344,832$0$122,609,980
94$210,625,647$2,323,437$0$134,987,150
95$231,968,878$2,296,701$0$148,623,573
96$255,484,690$2,264,226$0$163,647,635
97$281,394,547$2,225,592$0$180,200,813
98$309,942,498$2,180,353$0$198,439,019
99$341,397,480$2,128,037$0$218,534,066
100$376,055,856$2,068,144$0$240,675,294