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%14.8%
1 years$74,486$73,823$73,176$72,544$71,927$70,503
2 years$36,874$36,188$35,522$34,877$34,251$32,823
3 years$24,339$23,649$22,985$22,346$21,730$20,342
4 years$18,072$17,385$16,727$16,099$15,498$14,161
5 years$14,313$13,630$12,981$12,366$11,781$10,498
6 years$11,808$11,130$10,491$9,889$9,322$8,095
7 years$10,019$9,347$8,718$8,130$7,581$6,410
8 years$8,678$8,012$7,393$6,820$6,290$5,174
9 years$7,636$6,976$6,368$5,809$5,297$4,236
10 years$6,803$6,149$5,552$5,008$4,513$3,507
11 years$6,121$5,474$4,888$4,358$3,881$2,928
12 years$5,554$4,913$4,338$3,823$3,364$2,461
13 years$5,074$4,440$3,875$3,375$2,933$2,081
14 years$4,663$4,036$3,482$2,996$2,571$1,767
15 years$4,307$3,687$3,144$2,672$2,264$1,506
16 years$3,996$3,383$2,850$2,392$2,001$1,288
17 years$3,722$3,115$2,594$2,149$1,774$1,104
18 years$3,479$2,879$2,368$1,937$1,577$949
19 years$3,261$2,668$2,168$1,750$1,406$817
20 years$3,066$2,479$1,989$1,585$1,256$705
21 years$2,889$2,309$1,830$1,439$1,124$609
22 years$2,729$2,156$1,686$1,308$1,007$526
23 years$2,582$2,016$1,557$1,191$904$455
24 years$2,448$1,889$1,440$1,087$813$394
25 years$2,325$1,773$1,334$992$731$342
26 years$2,212$1,666$1,237$907$659$297
27 years$2,107$1,568$1,149$830$594$257
28 years$2,010$1,477$1,068$761$536$224
29 years$1,920$1,394$994$698$484$194
30 years$1,836$1,316$926$640$437$169
31 years$1,758$1,244$863$588$395$147
32 years$1,684$1,177$805$541$358$128
33 years$1,615$1,115$752$497$324$111
34 years$1,551$1,057$702$457$293$96
35 years$1,490$1,002$657$421$265$84
36 years$1,433$951$614$388$240$73
37 years$1,379$904$575$357$218$64
38 years$1,327$859$538$329$198$55
39 years$1,279$817$504$304$179$48
40 years$1,233$777$473$280$163$42
41 years$1,190$740$443$258$147$37
42 years$1,148$704$416$238$134$32
43 years$1,109$671$390$220$121$28
44 years$1,072$640$366$203$110$24
45 years$1,036$610$344$188$100$21
46 years$1,002$582$323$173$91$18
47 years$970$555$304$160$82$16
48 years$939$530$285$148$75$14
49 years$909$506$268$137$68$12
50 years$881$484$252$126$62$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $902,000, adding $4,520 every year, while hoping to spend $42,180 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: 69/20/11 Blend
34$902,000$902,000$902,000$902,000
35$998,666$950,860$936,879$1,064,975
36$1,055,651$952,573$923,386$1,111,285
37$1,117,035$952,957$908,026$1,156,412
38$1,183,221$951,900$890,694$1,204,670
39$1,254,654$949,288$871,277$1,256,357
40$1,331,822$944,996$849,658$1,311,806
41$1,415,261$938,894$825,714$1,371,383
42$1,505,560$930,842$799,318$1,435,492
43$1,603,366$920,692$770,334$1,504,580
44$1,709,392$908,289$738,623$1,579,140
45$1,824,420$893,466$704,037$1,659,716
46$1,949,313$876,048$666,425$1,746,908
47$2,085,018$855,848$625,624$1,841,381
48$2,232,575$832,670$581,468$1,943,865
49$2,393,132$806,306$533,782$2,055,169
50$2,567,951$776,534$482,383$2,176,185
51$2,758,419$743,121$427,079$2,307,899
52$2,966,063$705,819$367,672$2,451,397
53$3,192,565$664,368$303,952$2,607,878
54$3,439,775$618,490$235,703$2,778,669
55$3,709,729$567,894$162,697$2,965,229
56$4,004,671$512,270$84,697$3,169,174
57$4,327,068$451,292$1,455$3,392,282
58$4,679,639$384,615$0$3,636,519
59$5,065,374$311,873$0$3,914,309
60$5,487,569$232,682$0$4,218,637
61$5,949,853$146,635$0$4,552,007
62$6,456,219$53,302$0$4,917,365
63$7,011,069$0$0$5,317,962
64$7,619,248$0$0$5,767,896
65$8,286,091$0$0$6,274,143
66$9,017,478$0$0$6,829,442
67$9,819,881$0$0$7,438,715
68$10,700,432$0$0$8,107,382
69$11,666,986$0$0$8,841,417
70$12,728,194$0$0$9,647,395
71$13,893,587$0$0$10,532,564
72$15,173,665$0$0$11,504,907
73$16,579,992$0$0$12,573,216
74$18,125,312$0$0$13,747,178
75$19,823,660$0$0$15,037,468
76$21,690,501$0$0$16,455,841
77$23,742,872$0$0$18,015,251
78$25,999,542$0$0$19,729,970
79$28,481,193$0$0$21,615,721
80$31,210,607$0$0$23,689,828
81$34,212,888$0$0$25,971,376
82$37,515,694$0$0$28,481,396
83$41,149,498$0$0$31,243,057
84$45,147,877$0$0$34,281,890
85$49,547,827$0$0$37,626,023
86$54,390,110$0$0$41,306,449
87$59,719,640$0$0$45,357,320
88$65,585,907$0$0$49,816,265
89$72,043,442$0$0$54,724,746
90$79,152,330$0$0$60,128,449
91$86,978,779$0$0$66,077,717
92$95,595,742$0$0$72,628,018
93$105,083,608$0$0$79,840,477
94$115,530,954$0$0$87,782,446
95$127,035,387$0$0$96,528,140
96$139,704,461$0$0$106,159,340
97$153,656,692$0$0$116,766,159
98$169,022,676$0$0$128,447,899
99$185,946,319$0$0$141,313,981
100$204,586,198$0$0$155,484,983