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%18.9%
1 years$74,404$73,741$73,094$72,463$71,847$69,270
2 years$36,834$36,148$35,483$34,838$34,213$31,645
3 years$24,312$23,623$22,960$22,321$21,706$19,227
4 years$18,052$17,365$16,709$16,081$15,481$13,110
5 years$14,297$13,615$12,967$12,352$11,768$9,512
6 years$11,795$11,117$10,479$9,878$9,312$7,172
7 years$10,008$9,336$8,708$8,121$7,573$5,549
8 years$8,669$8,003$7,385$6,813$6,283$4,372
9 years$7,628$6,968$6,361$5,803$5,291$3,492
10 years$6,795$6,142$5,546$5,002$4,508$2,817
11 years$6,114$5,468$4,882$4,353$3,877$2,291
12 years$5,548$4,908$4,333$3,818$3,360$1,875
13 years$5,068$4,435$3,871$3,371$2,930$1,542
14 years$4,658$4,031$3,478$2,993$2,568$1,273
15 years$4,302$3,683$3,140$2,669$2,261$1,054
16 years$3,992$3,379$2,847$2,390$1,999$875
17 years$3,718$3,112$2,591$2,147$1,772$729
18 years$3,475$2,875$2,365$1,935$1,576$607
19 years$3,258$2,665$2,165$1,748$1,404$507
20 years$3,062$2,476$1,987$1,583$1,254$424
21 years$2,886$2,307$1,828$1,437$1,123$355
22 years$2,726$2,153$1,685$1,307$1,006$297
23 years$2,579$2,014$1,555$1,190$903$249
24 years$2,446$1,887$1,438$1,085$812$209
25 years$2,323$1,771$1,332$991$731$175
26 years$2,210$1,664$1,236$906$658$147
27 years$2,105$1,566$1,147$830$593$123
28 years$2,008$1,476$1,067$760$535$104
29 years$1,918$1,392$993$697$483$87
30 years$1,834$1,315$925$640$437$73
31 years$1,756$1,243$862$587$395$61
32 years$1,682$1,176$804$540$357$52
33 years$1,614$1,114$751$496$323$43
34 years$1,549$1,056$702$457$293$36
35 years$1,488$1,001$656$421$265$31
36 years$1,431$950$614$387$240$26
37 years$1,377$903$574$357$218$22
38 years$1,326$858$538$329$197$18
39 years$1,278$816$504$303$179$15
40 years$1,232$776$472$280$162$13
41 years$1,188$739$443$258$147$11
42 years$1,147$704$415$238$134$9
43 years$1,108$670$390$220$121$8
44 years$1,071$639$366$203$110$6
45 years$1,035$609$344$187$100$5
46 years$1,001$581$323$173$91$5
47 years$969$555$303$160$82$4
48 years$938$530$285$148$75$3
49 years$908$506$268$137$68$3
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 $6,085 every year, while hoping to spend $30,046 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: 23/48/29 Blend
34$901,000$901,000$901,000$901,000
35$999,179$951,426$937,460$1,012,929
36$1,069,126$966,077$936,896$1,040,034
37$1,145,201$980,439$935,307$1,066,128
38$1,227,997$994,466$932,625$1,093,432
39$1,318,167$1,008,109$928,782$1,122,065
40$1,416,429$1,021,315$923,705$1,152,161
41$1,523,574$1,034,028$917,318$1,183,869
42$1,640,471$1,046,189$909,541$1,217,357
43$1,768,079$1,057,732$900,291$1,252,809
44$1,907,452$1,068,589$889,479$1,290,432
45$2,059,750$1,078,689$877,015$1,330,456
46$2,226,252$1,087,951$862,802$1,373,137
47$2,408,363$1,096,295$846,740$1,418,760
48$2,607,634$1,103,630$828,723$1,467,641
49$2,825,769$1,109,864$808,641$1,520,133
50$3,064,646$1,114,897$786,380$1,576,626
51$3,326,335$1,118,622$761,818$1,637,556
52$3,613,112$1,120,925$734,830$1,703,404
53$3,927,486$1,121,688$705,284$1,774,708
54$4,272,221$1,120,781$673,042$1,852,061
55$4,650,359$1,118,071$637,960$1,936,124
56$5,065,251$1,113,412$599,887$2,027,629
57$5,520,590$1,106,652$558,667$2,127,387
58$6,020,442$1,097,630$514,134$2,236,299
59$6,569,286$1,086,173$466,117$2,355,362
60$7,172,058$1,072,100$414,436$2,485,682
61$7,834,192$1,055,218$358,904$2,628,482
62$8,561,678$1,035,321$299,326$2,785,120
63$9,361,112$1,012,195$235,496$2,957,097
64$10,239,761$985,608$167,201$3,146,075
65$11,205,633$955,319$94,218$3,353,896
66$12,267,549$921,071$16,315$3,582,596
67$13,435,226$882,591$0$3,834,429
68$14,719,373$839,591$0$4,132,564
69$16,131,786$791,768$0$4,465,814
70$17,685,462$738,799$0$4,832,257
71$19,394,724$680,344$0$5,235,350
72$21,275,348$616,044$0$5,678,912
73$23,344,720$545,517$0$6,167,156
74$25,621,995$468,361$0$6,704,734
75$28,128,281$384,153$0$7,296,781
76$30,886,832$292,442$0$7,948,965
77$33,923,273$192,757$0$8,667,542
78$37,265,840$84,595$0$9,459,414
79$40,945,644$0$0$10,332,201
80$44,996,967$0$0$11,311,515
81$49,457,583$0$0$12,439,160
82$54,369,117$0$0$13,681,002
83$59,777,432$0$0$15,048,662
84$65,733,070$0$0$16,554,949
85$72,291,720$0$0$18,213,973
86$79,514,750$0$0$20,041,286
87$87,469,782$0$0$22,054,024
88$96,231,328$0$0$24,271,069
89$105,881,502$0$0$26,713,231
90$116,510,781$0$0$29,403,438
91$128,218,873$0$0$32,366,958
92$141,115,645$0$0$35,631,635
93$155,322,170$0$0$39,228,152
94$170,971,861$0$0$43,190,318
95$188,211,735$0$0$47,555,394
96$207,203,801$0$0$52,364,438
97$228,126,582$0$0$57,662,693
98$251,176,809$0$0$63,500,018
99$276,571,271$0$0$69,931,355
100$304,548,862$0$0$77,017,251