Can I retire at age 35 with 904,000?

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 $904,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$74,651$73,987$73,338$72,705$72,086$71,038
2 years$36,956$36,268$35,601$34,954$34,327$33,273
3 years$24,393$23,701$23,036$22,395$21,778$20,752
4 years$18,112$17,423$16,764$16,135$15,532$14,541
5 years$14,345$13,660$13,010$12,393$11,808$10,854
6 years$11,834$11,154$10,514$9,911$9,343$8,428
7 years$10,042$9,367$8,737$8,148$7,598$6,723
8 years$8,698$8,030$7,410$6,835$6,304$5,468
9 years$7,653$6,991$6,382$5,822$5,308$4,511
10 years$6,818$6,162$5,564$5,019$4,523$3,764
11 years$6,135$5,486$4,898$4,368$3,890$3,168
12 years$5,566$4,924$4,347$3,831$3,371$2,686
13 years$5,085$4,450$3,884$3,382$2,940$2,290
14 years$4,673$4,045$3,490$3,002$2,577$1,962
15 years$4,317$3,695$3,151$2,678$2,269$1,688
16 years$4,005$3,390$2,857$2,398$2,005$1,456
17 years$3,730$3,122$2,599$2,154$1,778$1,260
18 years$3,486$2,885$2,373$1,941$1,581$1,093
19 years$3,268$2,674$2,172$1,754$1,409$950
20 years$3,072$2,485$1,994$1,589$1,259$828
21 years$2,895$2,314$1,834$1,442$1,126$722
22 years$2,735$2,160$1,690$1,311$1,010$630
23 years$2,588$2,021$1,561$1,194$906$551
24 years$2,454$1,893$1,443$1,089$815$482
25 years$2,331$1,777$1,337$995$733$422
26 years$2,217$1,670$1,240$909$660$370
27 years$2,112$1,571$1,151$832$595$325
28 years$2,015$1,481$1,070$763$537$285
29 years$1,924$1,397$996$699$485$250
30 years$1,840$1,319$928$642$438$220
31 years$1,762$1,247$865$589$396$193
32 years$1,688$1,180$807$542$358$170
33 years$1,619$1,117$753$498$324$149
34 years$1,554$1,059$704$458$294$131
35 years$1,493$1,005$658$422$266$115
36 years$1,436$953$616$389$241$102
37 years$1,382$906$576$358$218$89
38 years$1,330$861$540$330$198$79
39 years$1,282$818$506$304$180$69
40 years$1,236$779$474$281$163$61
41 years$1,192$741$444$259$148$54
42 years$1,151$706$417$239$134$47
43 years$1,112$673$391$221$122$42
44 years$1,074$641$367$204$110$37
45 years$1,038$611$345$188$100$32
46 years$1,004$583$324$174$91$28
47 years$972$557$304$161$83$25
48 years$941$531$286$148$75$22
49 years$911$507$269$137$68$19
50 years$883$485$253$127$62$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $904,000, adding $2,572 every year, while hoping to spend $25,419 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: 46/34/20 Blend
34$904,000$904,000$904,000$904,000
35$998,861$950,949$936,937$1,038,987
36$1,073,699$970,500$941,279$1,086,881
37$1,155,319$990,157$944,914$1,136,078
38$1,244,385$1,009,898$947,792$1,188,925
39$1,341,630$1,029,700$949,861$1,245,774
40$1,447,858$1,049,538$951,063$1,307,013
41$1,563,957$1,069,383$951,342$1,373,069
42$1,690,904$1,089,206$950,634$1,444,415
43$1,829,773$1,108,974$948,877$1,521,570
44$1,981,748$1,128,651$946,003$1,605,107
45$2,148,133$1,148,202$941,940$1,695,661
46$2,330,362$1,167,584$936,616$1,793,928
47$2,530,018$1,186,754$929,951$1,900,679
48$2,748,840$1,205,665$921,864$2,016,761
49$2,988,745$1,224,267$912,271$2,143,113
50$3,251,846$1,242,505$901,081$2,280,765
51$3,540,469$1,260,321$888,201$2,430,858
52$3,857,174$1,277,654$873,533$2,594,648
53$4,204,784$1,294,437$856,974$2,773,520
54$4,586,406$1,310,600$838,418$2,969,002
55$5,005,465$1,326,065$817,750$3,182,780
56$5,465,733$1,340,752$794,855$3,416,713
57$5,971,363$1,354,575$769,608$3,672,850
58$6,526,934$1,367,441$741,882$3,953,452
59$7,137,488$1,379,251$711,542$4,261,014
60$7,808,579$1,389,903$678,446$4,598,284
61$8,546,329$1,399,282$642,448$4,968,294
62$9,357,479$1,407,271$603,395$5,374,390
63$10,249,458$1,413,744$561,125$5,820,257
64$11,230,451$1,418,566$515,471$6,309,963
65$12,309,475$1,421,593$466,257$6,847,992
66$13,496,465$1,422,675$413,300$7,439,288
67$14,802,368$1,421,650$356,409$8,089,303
68$16,239,245$1,418,346$295,384$8,804,049
69$17,820,385$1,412,582$230,017$9,590,155
70$19,560,431$1,404,165$160,089$10,454,929
71$21,475,515$1,392,889$85,372$11,406,431
72$23,583,416$1,378,539$5,631$12,453,544
73$25,903,721$1,360,884$0$13,606,066
74$28,458,013$1,339,680$0$14,891,756
75$31,270,074$1,314,668$0$16,307,948
76$34,366,110$1,285,575$0$17,866,625
77$37,774,995$1,252,111$0$19,582,320
78$41,528,549$1,213,968$0$21,471,053
79$45,661,831$1,170,823$0$23,550,480
80$50,213,475$1,122,330$0$25,840,063
81$55,226,052$1,068,127$0$28,361,252
82$60,746,472$1,007,828$0$31,137,688
83$66,826,427$941,027$0$34,195,429
84$73,522,878$867,292$0$37,563,196
85$80,898,591$786,169$0$41,272,645
86$89,022,733$697,177$0$45,358,664
87$97,971,521$599,808$0$49,859,708
88$107,828,942$493,524$0$54,818,159
89$118,687,547$377,759$0$60,280,731
90$130,649,320$251,913$0$66,298,908
91$143,826,647$115,354$0$72,929,433
92$158,343,372$0$0$80,234,846
93$174,335,963$0$0$88,296,267
94$191,954,809$0$0$97,225,151
95$211,365,629$0$0$107,062,346
96$232,751,043$0$0$117,900,422
97$256,312,291$0$0$129,841,389
98$282,271,137$0$0$142,997,661
99$310,871,958$0$0$157,493,116
100$342,384,051$0$0$173,464,262