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%15.2%
1 years$74,486$73,823$73,176$72,544$71,927$70,388
2 years$36,874$36,188$35,522$34,877$34,251$32,708
3 years$24,339$23,649$22,985$22,346$21,730$20,232
4 years$18,072$17,385$16,727$16,099$15,498$14,055
5 years$14,313$13,630$12,981$12,366$11,781$10,398
6 years$11,808$11,130$10,491$9,889$9,322$8,000
7 years$10,019$9,347$8,718$8,130$7,581$6,321
8 years$8,678$8,012$7,393$6,820$6,290$5,090
9 years$7,636$6,976$6,368$5,809$5,297$4,158
10 years$6,803$6,149$5,552$5,008$4,513$3,433
11 years$6,121$5,474$4,888$4,358$3,881$2,859
12 years$5,554$4,913$4,338$3,823$3,364$2,397
13 years$5,074$4,440$3,875$3,375$2,933$2,021
14 years$4,663$4,036$3,482$2,996$2,571$1,712
15 years$4,307$3,687$3,144$2,672$2,264$1,455
16 years$3,996$3,383$2,850$2,392$2,001$1,241
17 years$3,722$3,115$2,594$2,149$1,774$1,061
18 years$3,479$2,879$2,368$1,937$1,577$909
19 years$3,261$2,668$2,168$1,750$1,406$780
20 years$3,066$2,479$1,989$1,585$1,256$671
21 years$2,889$2,309$1,830$1,439$1,124$578
22 years$2,729$2,156$1,686$1,308$1,007$498
23 years$2,582$2,016$1,557$1,191$904$430
24 years$2,448$1,889$1,440$1,087$813$371
25 years$2,325$1,773$1,334$992$731$321
26 years$2,212$1,666$1,237$907$659$277
27 years$2,107$1,568$1,149$830$594$240
28 years$2,010$1,477$1,068$761$536$207
29 years$1,920$1,394$994$698$484$180
30 years$1,836$1,316$926$640$437$156
31 years$1,758$1,244$863$588$395$135
32 years$1,684$1,177$805$541$358$117
33 years$1,615$1,115$752$497$324$101
34 years$1,551$1,057$702$457$293$88
35 years$1,490$1,002$657$421$265$76
36 years$1,433$951$614$388$240$66
37 years$1,379$904$575$357$218$57
38 years$1,327$859$538$329$198$50
39 years$1,279$817$504$304$179$43
40 years$1,233$777$473$280$163$37
41 years$1,190$740$443$258$147$32
42 years$1,148$704$416$238$134$28
43 years$1,109$671$390$220$121$24
44 years$1,072$640$366$203$110$21
45 years$1,036$610$344$188$100$18
46 years$1,002$582$323$173$91$16
47 years$970$555$304$160$82$14
48 years$939$530$285$148$75$12
49 years$909$506$268$137$68$10
50 years$881$484$252$126$62$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $902,000, adding $3,074 every year, while hoping to spend $33,342 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: 35/35/30 Blend
34$902,000$902,000$902,000$902,000
35$997,175$949,369$935,388$1,022,989
36$1,063,411$960,412$931,248$1,053,738
37$1,135,286$970,879$925,851$1,083,700
38$1,213,339$980,707$919,122$1,115,399
39$1,298,165$989,826$910,977$1,149,015
40$1,390,417$998,167$901,334$1,184,745
41$1,490,813$1,005,651$890,102$1,222,813
42$1,600,144$1,012,196$877,189$1,263,464
43$1,719,282$1,017,717$862,498$1,306,972
44$1,849,183$1,022,119$845,926$1,353,640
45$1,990,902$1,025,305$827,367$1,403,806
46$2,145,599$1,027,170$806,708$1,457,845
47$2,314,551$1,027,602$783,834$1,516,173
48$2,499,164$1,026,484$758,622$1,579,249
49$2,700,987$1,023,689$730,943$1,647,587
50$2,921,723$1,019,086$700,665$1,721,752
51$3,163,249$1,012,531$667,648$1,802,373
52$3,427,631$1,003,876$631,745$1,890,148
53$3,717,145$992,962$592,804$1,985,848
54$4,034,296$979,619$550,665$2,090,329
55$4,381,844$963,670$505,162$2,204,536
56$4,762,826$944,924$456,120$2,329,520
57$5,180,592$923,182$403,357$2,466,441
58$5,638,825$898,232$346,683$2,616,584
59$6,141,588$869,848$285,899$2,781,372
60$6,693,353$837,793$220,799$2,962,378
61$7,299,044$801,814$151,166$3,161,342
62$7,964,090$761,647$76,773$3,380,189
63$8,694,468$717,008$0$3,621,050
64$9,496,762$667,600$0$3,887,116
65$10,378,228$613,108$0$4,206,433
66$11,346,856$553,199$0$4,557,358
67$12,411,450$487,521$0$4,943,158
68$13,581,711$415,702$0$5,367,437
69$14,868,323$337,349$0$5,834,171
70$16,283,060$252,048$0$6,347,748
71$17,838,893$159,358$0$6,913,009
72$19,550,112$58,818$0$7,535,295
73$21,432,462$0$0$8,220,499
74$23,503,291$0$0$8,994,402
75$25,781,713$0$0$9,870,958
76$28,288,789$0$0$10,835,637
77$31,047,723$0$0$11,897,384
78$34,084,082$0$0$13,066,059
79$37,426,039$0$0$14,352,527
80$41,104,636$0$0$15,768,756
81$45,154,075$0$0$17,327,938
82$49,612,045$0$0$19,044,605
83$54,520,074$0$0$20,934,773
84$59,923,921$0$0$23,016,088
85$65,874,009$0$0$25,307,995
86$72,425,898$0$0$27,831,921
87$79,640,811$0$0$30,611,476
88$87,586,210$0$0$33,672,678
89$96,336,435$0$0$37,044,196
90$105,973,399$0$0$40,757,622
91$116,587,370$0$0$44,847,766
92$128,277,813$0$0$49,352,991
93$141,154,336$0$0$54,315,567
94$155,337,717$0$0$59,782,076
95$170,961,051$0$0$65,803,847
96$188,171,000$0$0$72,437,446
97$207,129,179$0$0$79,745,202
98$228,013,681$0$0$87,795,803
99$251,020,759$0$0$96,664,937
100$276,366,674$0$0$106,436,012