Can I retire at age 35 with 901,000?

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 $901,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$74,404$73,741$73,094$72,463$71,847$69,051
2 years$36,834$36,148$35,483$34,838$34,213$31,430
3 years$24,312$23,623$22,960$22,321$21,706$19,023
4 years$18,052$17,365$16,709$16,081$15,481$12,919
5 years$14,297$13,615$12,967$12,352$11,768$9,334
6 years$11,795$11,117$10,479$9,878$9,312$7,007
7 years$10,008$9,336$8,708$8,121$7,573$5,396
8 years$8,669$8,003$7,385$6,813$6,283$4,232
9 years$7,628$6,968$6,361$5,803$5,291$3,363
10 years$6,795$6,142$5,546$5,002$4,508$2,700
11 years$6,114$5,468$4,882$4,353$3,877$2,184
12 years$5,548$4,908$4,333$3,818$3,360$1,778
13 years$5,068$4,435$3,871$3,371$2,930$1,454
14 years$4,658$4,031$3,478$2,993$2,568$1,194
15 years$4,302$3,683$3,140$2,669$2,261$983
16 years$3,992$3,379$2,847$2,390$1,999$812
17 years$3,718$3,112$2,591$2,147$1,772$671
18 years$3,475$2,875$2,365$1,935$1,576$556
19 years$3,258$2,665$2,165$1,748$1,404$462
20 years$3,062$2,476$1,987$1,583$1,254$384
21 years$2,886$2,307$1,828$1,437$1,123$319
22 years$2,726$2,153$1,685$1,307$1,006$265
23 years$2,579$2,014$1,555$1,190$903$221
24 years$2,446$1,887$1,438$1,085$812$184
25 years$2,323$1,771$1,332$991$731$154
26 years$2,210$1,664$1,236$906$658$128
27 years$2,105$1,566$1,147$830$593$107
28 years$2,008$1,476$1,067$760$535$89
29 years$1,918$1,392$993$697$483$74
30 years$1,834$1,315$925$640$437$62
31 years$1,756$1,243$862$587$395$52
32 years$1,682$1,176$804$540$357$43
33 years$1,614$1,114$751$496$323$36
34 years$1,549$1,056$702$457$293$30
35 years$1,488$1,001$656$421$265$25
36 years$1,431$950$614$387$240$21
37 years$1,377$903$574$357$218$18
38 years$1,326$858$538$329$197$15
39 years$1,278$816$504$303$179$12
40 years$1,232$776$472$280$162$10
41 years$1,188$739$443$258$147$9
42 years$1,147$704$415$238$134$7
43 years$1,108$670$390$220$121$6
44 years$1,071$639$366$203$110$5
45 years$1,035$609$344$187$100$4
46 years$1,001$581$323$173$91$3
47 years$969$555$303$160$82$3
48 years$938$530$285$148$75$2
49 years$908$506$268$137$68$2
50 years$880$483$252$126$62$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $901,000, adding $3,744 every year, while hoping to spend $28,219 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: 48/42/10 Blend
34$901,000$901,000$901,000$901,000
35$996,764$949,011$935,045$1,041,719
36$1,068,409$965,488$936,345$1,089,480
37$1,146,416$981,826$936,742$1,138,051
38$1,231,405$997,989$936,176$1,190,140
39$1,324,055$1,013,938$934,586$1,246,085
40$1,425,118$1,029,631$931,904$1,306,255
41$1,535,419$1,045,022$928,062$1,371,062
42$1,655,867$1,060,062$922,986$1,440,956
43$1,787,460$1,074,700$916,601$1,516,436
44$1,931,301$1,088,881$908,828$1,598,052
45$2,088,602$1,102,544$899,581$1,686,411
46$2,260,697$1,115,626$888,775$1,782,180
47$2,449,056$1,128,060$876,317$1,886,099
48$2,655,298$1,139,773$862,111$1,998,982
49$2,881,203$1,150,687$846,057$2,121,726
50$3,128,736$1,160,721$828,050$2,255,324
51$3,400,057$1,169,786$807,980$2,400,868
52$3,697,547$1,177,789$785,731$2,559,565
53$4,023,828$1,184,632$761,184$2,732,745
54$4,381,786$1,190,207$734,212$2,921,876
55$4,774,604$1,194,402$704,683$3,128,578
56$5,205,784$1,197,098$672,460$3,354,637
57$5,679,185$1,198,168$637,400$3,602,023
58$6,199,060$1,197,476$599,350$3,872,911
59$6,770,090$1,194,879$558,155$4,169,698
60$7,397,436$1,190,224$513,650$4,495,029
61$8,086,780$1,183,351$465,662$4,851,822
62$8,844,383$1,174,087$414,014$5,243,294
63$9,677,144$1,162,250$358,517$5,672,995
64$10,592,661$1,147,649$298,976$6,144,840
65$11,599,308$1,130,079$235,186$6,663,146
66$12,706,307$1,109,322$166,935$7,232,675
67$13,923,822$1,085,151$93,999$7,858,679
68$15,263,049$1,057,321$16,146$8,546,950
69$16,736,327$1,025,576$0$9,303,876
70$18,357,247$989,644$0$10,143,642
71$20,140,786$949,237$0$11,069,177
72$22,103,445$904,048$0$12,087,351
73$24,263,407$853,758$0$13,207,639
74$26,640,706$798,023$0$14,440,489
75$29,257,416$736,484$0$15,797,417
76$32,137,860$668,759$0$17,291,122
77$35,308,839$594,446$0$18,935,603
78$38,799,885$513,118$0$20,746,292
79$42,643,539$424,326$0$22,740,205
80$46,875,656$327,594$0$24,936,098
81$51,535,747$222,420$0$27,354,650
82$56,667,348$108,274$0$30,018,655
83$62,318,434$0$0$32,953,243
84$68,541,868$0$0$36,193,236
85$75,395,901$0$0$39,816,772
86$82,944,723$0$0$43,807,760
87$91,259,065$0$0$48,203,614
88$100,416,870$0$0$53,045,560
89$110,504,028$0$0$58,379,028
90$121,615,181$0$0$64,254,078
91$133,854,623$0$0$70,725,876
92$147,337,282$0$0$77,855,210
93$162,189,801$0$0$85,709,069
94$178,551,736$0$0$94,361,268
95$196,576,874$0$0$103,893,153
96$216,434,681$0$0$114,394,362
97$238,311,904$0$0$125,963,674
98$262,414,332$0$0$138,709,939
99$288,968,737$0$0$152,753,110
100$318,225,018$0$0$168,225,369