Can I retire at age 35 with 902,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%20%
1 years$74,486$73,823$73,176$72,544$71,927$69,046
2 years$36,874$36,188$35,522$34,877$34,251$31,384
3 years$24,339$23,649$22,985$22,346$21,730$18,969
4 years$18,072$17,385$16,727$16,099$15,498$12,862
5 years$14,313$13,630$12,981$12,366$11,781$9,278
6 years$11,808$11,130$10,491$9,889$9,322$6,953
7 years$10,019$9,347$8,718$8,130$7,581$5,346
8 years$8,678$8,012$7,393$6,820$6,290$4,185
9 years$7,636$6,976$6,368$5,809$5,297$3,320
10 years$6,803$6,149$5,552$5,008$4,513$2,660
11 years$6,121$5,474$4,888$4,358$3,881$2,148
12 years$5,554$4,913$4,338$3,823$3,364$1,744
13 years$5,074$4,440$3,875$3,375$2,933$1,424
14 years$4,663$4,036$3,482$2,996$2,571$1,166
15 years$4,307$3,687$3,144$2,672$2,264$959
16 years$3,996$3,383$2,850$2,392$2,001$790
17 years$3,722$3,115$2,594$2,149$1,774$652
18 years$3,479$2,879$2,368$1,937$1,577$539
19 years$3,261$2,668$2,168$1,750$1,406$446
20 years$3,066$2,479$1,989$1,585$1,256$370
21 years$2,889$2,309$1,830$1,439$1,124$307
22 years$2,729$2,156$1,686$1,308$1,007$255
23 years$2,582$2,016$1,557$1,191$904$212
24 years$2,448$1,889$1,440$1,087$813$176
25 years$2,325$1,773$1,334$992$731$146
26 years$2,212$1,666$1,237$907$659$122
27 years$2,107$1,568$1,149$830$594$101
28 years$2,010$1,477$1,068$761$536$84
29 years$1,920$1,394$994$698$484$70
30 years$1,836$1,316$926$640$437$58
31 years$1,758$1,244$863$588$395$49
32 years$1,684$1,177$805$541$358$41
33 years$1,615$1,115$752$497$324$34
34 years$1,551$1,057$702$457$293$28
35 years$1,490$1,002$657$421$265$23
36 years$1,433$951$614$388$240$20
37 years$1,379$904$575$357$218$16
38 years$1,327$859$538$329$198$14
39 years$1,279$817$504$304$179$11
40 years$1,233$777$473$280$163$9
41 years$1,190$740$443$258$147$8
42 years$1,148$704$416$238$134$7
43 years$1,109$671$390$220$121$5
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 $2,031 every year, while hoping to spend $42,861 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: 40/45/15 Blend
34$902,000$902,000$902,000$902,000
35$996,099$948,293$934,312$1,031,422
36$1,052,097$949,156$920,008$1,057,533
37$1,112,371$948,624$903,788$1,081,434
38$1,177,311$946,584$885,542$1,106,368
39$1,247,346$942,917$865,158$1,132,452
40$1,322,948$937,492$842,513$1,159,814
41$1,404,635$930,176$817,484$1,188,598
42$1,492,977$920,824$789,939$1,218,968
43$1,588,600$909,283$759,741$1,251,107
44$1,692,191$895,392$726,746$1,285,219
45$1,804,508$878,979$690,805$1,321,533
46$1,926,381$859,863$651,761$1,360,307
47$2,058,727$837,852$609,450$1,401,829
48$2,202,552$812,741$563,701$1,446,418
49$2,358,963$784,315$514,336$1,494,434
50$2,529,177$752,347$461,166$1,546,278
51$2,714,536$716,595$403,998$1,602,395
52$2,916,514$676,804$342,627$1,663,285
53$3,136,735$632,703$276,841$1,729,502
54$3,376,984$584,007$206,418$1,801,665
55$3,639,228$530,415$131,124$1,880,462
56$3,925,631$471,608$50,719$1,966,659
57$4,238,576$407,247$0$2,061,109
58$4,580,687$336,978$0$2,170,374
59$4,954,850$260,424$0$2,298,920
60$5,364,247$177,186$0$2,439,835
61$5,812,378$86,847$0$2,594,462
62$6,303,099$0$0$2,764,294
63$6,840,657$0$0$2,956,445
64$7,429,726$0$0$3,214,251
65$8,075,458$0$0$3,496,975
66$8,783,523$0$0$3,807,115
67$9,560,168$0$0$4,147,424
68$10,412,273$0$0$4,520,931
69$11,347,418$0$0$4,930,976
70$12,373,950$0$0$5,381,235
71$13,501,065$0$0$5,875,762
72$14,738,892$0$0$6,419,018
73$16,098,591$0$0$7,015,919
74$17,592,453$0$0$7,671,883
75$19,234,020$0$0$8,392,875
76$21,038,213$0$0$9,185,471
77$23,021,466$0$0$10,056,911
78$25,201,888$0$0$11,015,176
79$27,599,428$0$0$12,069,057
80$30,236,066$0$0$13,228,239
81$33,136,018$0$0$14,503,393
82$36,325,966$0$0$15,906,279
83$39,835,305$0$0$17,449,850
84$43,696,426$0$0$19,148,381
85$47,945,015$0$0$21,017,600
86$52,620,395$0$0$23,074,836
87$57,765,891$0$0$25,339,183
88$63,429,241$0$0$27,831,681
89$69,663,046$0$0$30,575,512
90$76,525,266$0$0$33,596,222
91$84,079,765$0$0$36,921,958
92$92,396,915$0$0$40,583,735
93$101,554,255$0$0$44,615,728
94$111,637,229$0$0$49,055,597
95$122,739,986$0$0$53,944,839
96$134,966,271$0$0$59,329,178
97$148,430,401$0$0$65,259,002
98$163,258,346$0$0$71,789,833
99$179,588,915$0$0$78,982,853
100$197,575,066$0$0$86,905,480