Can I retire at age 35 with 902,000?

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 $902,000?

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$74,486$73,823$73,176$72,544$71,927$69,128
2 years$36,874$36,188$35,522$34,877$34,251$31,465
3 years$24,339$23,649$22,985$22,346$21,730$19,044
4 years$18,072$17,385$16,727$16,099$15,498$12,933
5 years$14,313$13,630$12,981$12,366$11,781$9,344
6 years$11,808$11,130$10,491$9,889$9,322$7,014
7 years$10,019$9,347$8,718$8,130$7,581$5,402
8 years$8,678$8,012$7,393$6,820$6,290$4,236
9 years$7,636$6,976$6,368$5,809$5,297$3,367
10 years$6,803$6,149$5,552$5,008$4,513$2,703
11 years$6,121$5,474$4,888$4,358$3,881$2,186
12 years$5,554$4,913$4,338$3,823$3,364$1,780
13 years$5,074$4,440$3,875$3,375$2,933$1,455
14 years$4,663$4,036$3,482$2,996$2,571$1,195
15 years$4,307$3,687$3,144$2,672$2,264$984
16 years$3,996$3,383$2,850$2,392$2,001$812
17 years$3,722$3,115$2,594$2,149$1,774$672
18 years$3,479$2,879$2,368$1,937$1,577$557
19 years$3,261$2,668$2,168$1,750$1,406$462
20 years$3,066$2,479$1,989$1,585$1,256$384
21 years$2,889$2,309$1,830$1,439$1,124$319
22 years$2,729$2,156$1,686$1,308$1,007$266
23 years$2,582$2,016$1,557$1,191$904$221
24 years$2,448$1,889$1,440$1,087$813$184
25 years$2,325$1,773$1,334$992$731$154
26 years$2,212$1,666$1,237$907$659$128
27 years$2,107$1,568$1,149$830$594$107
28 years$2,010$1,477$1,068$761$536$89
29 years$1,920$1,394$994$698$484$74
30 years$1,836$1,316$926$640$437$62
31 years$1,758$1,244$863$588$395$52
32 years$1,684$1,177$805$541$358$43
33 years$1,615$1,115$752$497$324$36
34 years$1,551$1,057$702$457$293$30
35 years$1,490$1,002$657$421$265$25
36 years$1,433$951$614$388$240$21
37 years$1,379$904$575$357$218$18
38 years$1,327$859$538$329$198$15
39 years$1,279$817$504$304$179$12
40 years$1,233$777$473$280$163$10
41 years$1,190$740$443$258$147$9
42 years$1,148$704$416$238$134$7
43 years$1,109$671$390$220$121$6
44 years$1,072$640$366$203$110$5
45 years$1,036$610$344$188$100$4
46 years$1,002$582$323$173$91$3
47 years$970$555$304$160$82$3
48 years$939$530$285$148$75$2
49 years$909$506$268$137$68$2
50 years$881$484$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 $902,000, adding $6,637 every year, while hoping to spend $59,876 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: 45/37/18 Blend
34$902,000$902,000$902,000$902,000
35$1,000,850$953,044$939,063$1,040,441
36$1,039,229$936,036$906,814$1,051,815
37$1,079,516$916,187$871,478$1,057,657
38$1,121,842$893,296$832,888$1,062,728
39$1,166,351$867,148$790,870$1,066,984
40$1,213,196$837,516$745,242$1,070,379
41$1,262,549$804,160$695,814$1,072,871
42$1,314,591$766,827$642,386$1,074,414
43$1,369,525$725,247$584,752$1,074,964
44$1,427,569$679,136$522,693$1,074,481
45$1,488,961$628,194$455,984$1,072,924
46$1,553,962$572,102$384,386$1,070,254
47$1,622,857$510,526$307,654$1,066,436
48$1,695,956$443,110$225,528$1,061,440
49$1,773,600$369,479$137,740$1,055,238
50$1,856,161$289,236$44,007$1,047,808
51$1,944,044$201,964$0$1,039,136
52$2,037,697$107,220$0$1,039,974
53$2,137,605$4,538$0$1,049,282
54$2,244,304$0$0$1,058,673
55$2,358,380$0$0$1,111,628
56$2,480,474$0$0$1,170,351
57$2,611,289$0$0$1,233,341
58$2,751,599$0$0$1,300,980
59$2,902,250$0$0$1,373,687
60$3,064,172$0$0$1,451,919
61$3,238,386$0$0$1,536,182
62$3,426,012$0$0$1,627,030
63$3,628,281$0$0$1,725,069
64$3,846,546$0$0$1,830,969
65$4,082,291$0$0$1,945,465
66$4,337,149$0$0$2,069,362
67$4,612,914$0$0$2,203,549
68$4,911,558$0$0$2,349,001
69$5,235,251$0$0$2,506,791
70$5,586,375$0$0$2,678,098
71$5,967,554$0$0$2,864,221
72$6,381,671$0$0$3,066,586
73$6,831,899$0$0$3,286,765
74$7,321,728$0$0$3,526,484
75$7,854,998$0$0$3,787,645
76$8,435,936$0$0$4,072,341
77$9,069,190$0$0$4,382,874
78$9,759,879$0$0$4,721,779
79$10,513,635$0$0$5,091,845
80$11,336,660$0$0$5,496,144
81$12,235,778$0$0$5,938,057
82$13,218,504$0$0$6,421,306
83$14,293,110$0$0$6,949,991
84$15,468,705$0$0$7,528,622
85$16,755,318$0$0$8,162,171
86$18,163,993$0$0$8,856,109
87$19,706,891$0$0$9,616,463
88$21,397,406$0$0$10,449,869
89$23,250,285$0$0$11,363,637
90$25,281,775$0$0$12,365,818
91$27,509,765$0$0$13,465,279
92$29,953,961$0$0$14,671,786
93$32,636,068$0$0$15,996,098
94$35,579,995$0$0$17,450,065
95$38,812,077$0$0$19,046,742
96$42,361,322$0$0$20,800,507
97$46,259,689$0$0$22,727,204
98$50,542,381$0$0$24,844,282
99$55,248,180$0$0$27,170,967
100$60,419,810$0$0$29,728,441