Can I retire at age 35 with 903,000?

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 $903,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$74,569$73,905$73,257$72,624$72,006$69,729
2 years$36,915$36,228$35,561$34,915$34,289$32,015
3 years$24,366$23,675$23,011$22,371$21,754$19,556
4 years$18,092$17,404$16,746$16,117$15,515$13,409
5 years$14,329$13,645$12,995$12,379$11,794$9,785
6 years$11,821$11,142$10,502$9,900$9,333$7,422
7 years$10,030$9,357$8,727$8,139$7,590$5,779
8 years$8,688$8,021$7,402$6,828$6,297$4,583
9 years$7,644$6,983$6,375$5,816$5,303$3,685
10 years$6,810$6,156$5,558$5,013$4,518$2,994
11 years$6,128$5,480$4,893$4,363$3,886$2,452
12 years$5,560$4,919$4,342$3,827$3,367$2,021
13 years$5,080$4,445$3,880$3,379$2,936$1,675
14 years$4,668$4,040$3,486$2,999$2,574$1,393
15 years$4,312$3,691$3,147$2,675$2,266$1,163
16 years$4,001$3,386$2,854$2,395$2,003$973
17 years$3,726$3,119$2,597$2,152$1,776$817
18 years$3,483$2,882$2,370$1,939$1,579$686
19 years$3,265$2,671$2,170$1,752$1,408$578
20 years$3,069$2,482$1,991$1,587$1,257$487
21 years$2,892$2,312$1,832$1,440$1,125$411
22 years$2,732$2,158$1,688$1,310$1,008$347
23 years$2,585$2,018$1,559$1,193$905$294
24 years$2,451$1,891$1,442$1,088$814$248
25 years$2,328$1,775$1,335$993$732$210
26 years$2,215$1,668$1,238$908$660$178
27 years$2,110$1,570$1,150$831$595$151
28 years$2,013$1,479$1,069$762$537$128
29 years$1,922$1,395$995$699$484$108
30 years$1,838$1,318$927$641$438$92
31 years$1,760$1,246$864$589$396$78
32 years$1,686$1,179$806$541$358$66
33 years$1,617$1,116$753$498$324$56
34 years$1,552$1,058$703$458$293$47
35 years$1,492$1,003$657$421$266$40
36 years$1,434$952$615$388$241$34
37 years$1,380$905$576$358$218$29
38 years$1,329$860$539$330$198$25
39 years$1,280$817$505$304$179$21
40 years$1,235$778$473$280$163$18
41 years$1,191$740$444$259$148$15
42 years$1,150$705$416$239$134$13
43 years$1,110$672$391$220$122$11
44 years$1,073$640$367$203$110$9
45 years$1,037$611$344$188$100$8
46 years$1,003$583$323$174$91$7
47 years$971$556$304$160$83$6
48 years$940$531$286$148$75$5
49 years$910$507$268$137$68$4
50 years$882$484$252$127$62$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $903,000, adding $4,661 every year, while hoping to spend $35,318 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: 38/49/13 Blend
34$903,000$903,000$903,000$903,000
35$999,914$952,055$938,058$1,033,800
36$1,064,327$961,127$931,905$1,067,455
37$1,134,127$969,461$924,362$1,100,034
38$1,209,825$976,982$915,346$1,134,470
39$1,291,985$983,612$904,767$1,170,946
40$1,381,226$989,267$892,536$1,209,667
41$1,478,229$993,860$878,554$1,250,861
42$1,583,745$997,295$862,722$1,294,778
43$1,698,597$999,473$844,934$1,341,699
44$1,823,694$1,000,287$825,079$1,391,934
45$1,960,034$999,624$803,042$1,445,828
46$2,108,715$997,363$778,702$1,503,762
47$2,270,948$993,378$751,932$1,566,162
48$2,448,063$987,532$722,600$1,633,497
49$2,641,527$979,683$690,569$1,706,289
50$2,852,952$969,677$655,693$1,785,116
51$3,084,116$957,354$617,821$1,870,618
52$3,336,974$942,542$576,796$1,963,506
53$3,613,678$925,060$532,452$2,064,565
54$3,916,601$904,716$484,617$2,174,668
55$4,248,354$881,306$433,111$2,294,779
56$4,611,812$854,616$377,745$2,425,965
57$5,010,141$824,416$318,324$2,569,411
58$5,446,829$790,466$254,642$2,726,425
59$5,925,718$752,511$186,485$2,898,455
60$6,451,037$710,281$113,628$3,087,104
61$7,027,448$663,489$35,840$3,294,147
62$7,660,082$611,835$0$3,521,543
63$8,354,594$554,998$0$3,778,007
64$9,117,211$492,641$0$4,065,125
65$9,954,794$424,408$0$4,380,609
66$10,874,900$349,922$0$4,727,431
67$11,885,857$268,785$0$5,108,872
68$12,996,835$180,576$0$5,528,556
69$14,217,939$84,851$0$5,990,488
70$15,560,302$0$0$6,499,087
71$17,036,188$0$0$7,069,402
72$18,659,109$0$0$7,746,980
73$20,443,953$0$0$8,492,300
74$22,407,123$0$0$9,312,229
75$24,566,689$0$0$10,214,333
76$26,942,562$0$0$11,206,948
77$29,556,683$0$0$12,299,258
78$32,433,222$0$0$13,501,384
79$35,598,813$0$0$14,824,476
80$39,082,803$0$0$16,280,820
81$42,917,526$0$0$17,883,956
82$47,138,612$0$0$19,648,800
83$51,785,319$0$0$21,591,790
84$56,900,904$0$0$23,731,037
85$62,533,035$0$0$26,086,499
86$68,734,232$0$0$28,680,167
87$75,562,370$0$0$31,536,275
88$83,081,222$0$0$34,681,523
89$91,361,058$0$0$38,145,336
90$100,479,313$0$0$41,960,136
91$110,521,311$0$0$46,161,651
92$121,581,077$0$0$50,789,250
93$133,762,216$0$0$55,886,317
94$147,178,897$0$0$61,500,656
95$161,956,927$0$0$67,684,946
96$178,234,938$0$0$74,497,238
97$196,165,696$0$0$82,001,499
98$215,917,542$0$0$90,268,219
99$237,675,978$0$0$99,375,075
100$261,645,423$0$0$109,407,665