Can I retire at age 35 with 907,000?

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 $907,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$74,899$74,232$73,581$72,946$72,325$71,245
2 years$37,079$36,388$35,719$35,070$34,441$33,354
3 years$24,474$23,780$23,113$22,470$21,851$20,792
4 years$18,172$17,481$16,820$16,188$15,584$14,562
5 years$14,393$13,705$13,053$12,434$11,847$10,864
6 years$11,873$11,191$10,549$9,944$9,374$8,432
7 years$10,075$9,398$8,766$8,175$7,624$6,722
8 years$8,726$8,056$7,434$6,858$6,324$5,463
9 years$7,678$7,014$6,403$5,841$5,326$4,505
10 years$6,840$6,183$5,582$5,035$4,538$3,757
11 years$6,155$5,504$4,915$4,382$3,903$3,160
12 years$5,584$4,940$4,362$3,844$3,382$2,677
13 years$5,102$4,465$3,897$3,394$2,949$2,281
14 years$4,689$4,058$3,501$3,012$2,585$1,953
15 years$4,331$3,707$3,161$2,687$2,276$1,679
16 years$4,018$3,401$2,866$2,406$2,012$1,448
17 years$3,743$3,132$2,608$2,161$1,784$1,252
18 years$3,498$2,895$2,381$1,948$1,586$1,085
19 years$3,279$2,683$2,180$1,760$1,414$943
20 years$3,083$2,493$2,000$1,594$1,263$820
21 years$2,905$2,322$1,840$1,447$1,130$715
22 years$2,744$2,167$1,696$1,315$1,013$624
23 years$2,597$2,027$1,566$1,198$909$545
24 years$2,462$1,899$1,448$1,093$817$476
25 years$2,338$1,782$1,341$998$735$417
26 years$2,224$1,675$1,244$912$662$365
27 years$2,119$1,577$1,155$835$597$320
28 years$2,022$1,486$1,074$765$539$281
29 years$1,931$1,401$999$702$487$246
30 years$1,846$1,324$931$644$440$216
31 years$1,767$1,251$868$591$398$190
32 years$1,694$1,184$810$544$360$167
33 years$1,624$1,121$756$500$325$146
34 years$1,559$1,063$706$460$295$129
35 years$1,498$1,008$660$423$267$113
36 years$1,441$957$618$390$242$99
37 years$1,386$909$578$359$219$87
38 years$1,335$863$541$331$199$77
39 years$1,286$821$507$305$180$68
40 years$1,240$781$475$282$163$59
41 years$1,196$744$446$260$148$52
42 years$1,155$708$418$240$135$46
43 years$1,115$675$392$221$122$40
44 years$1,078$643$368$204$111$36
45 years$1,042$613$346$189$101$31
46 years$1,008$585$325$174$91$28
47 years$975$558$305$161$83$24
48 years$944$533$287$149$75$21
49 years$914$509$270$138$68$19
50 years$886$486$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 $907,000, adding $2,900 every year, while hoping to spend $52,814 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: 66/7/27 Blend
34$907,000$907,000$907,000$907,000
35$1,002,505$954,434$940,376$1,061,395
36$1,048,567$945,008$915,685$1,092,037
37$1,097,557$933,350$888,396$1,119,339
38$1,149,718$919,294$858,368$1,148,011
39$1,205,317$902,666$825,450$1,178,193
40$1,264,643$883,281$789,487$1,210,038
41$1,328,017$860,943$750,315$1,243,720
42$1,395,788$835,442$707,764$1,279,431
43$1,468,340$806,560$661,656$1,317,382
44$1,546,093$774,063$611,803$1,357,811
45$1,629,508$737,706$558,012$1,400,981
46$1,719,091$697,227$500,079$1,447,185
47$1,815,398$652,350$437,791$1,496,747
48$1,919,038$602,785$370,927$1,550,028
49$2,030,681$548,224$299,254$1,607,427
50$2,151,064$488,339$222,532$1,669,389
51$2,280,992$422,788$140,507$1,736,404
52$2,421,355$351,206$52,915$1,809,019
53$2,573,127$273,209$0$1,887,839
54$2,737,381$188,391$0$1,985,218
55$2,915,295$96,324$0$2,107,242
56$3,108,166$0$0$2,239,558
57$3,317,418$0$0$2,383,435
58$3,544,618$0$0$2,547,756
59$3,791,492$0$0$2,726,357
60$4,059,933$0$0$2,920,615
61$4,352,030$0$0$3,132,047
62$4,670,077$0$0$3,362,321
63$5,016,601$0$0$3,613,273
64$5,394,380$0$0$3,886,925
65$5,806,474$0$0$4,185,499
66$6,256,251$0$0$4,511,444
67$6,747,417$0$0$4,867,455
68$7,284,052$0$0$5,256,498
69$7,870,649$0$0$5,681,840
70$8,512,153$0$0$6,147,075
71$9,214,008$0$0$6,656,163
72$9,982,213$0$0$7,213,464
73$10,823,367$0$0$7,823,779
74$11,744,743$0$0$8,492,393
75$12,754,348$0$0$9,225,130
76$13,860,998$0$0$10,028,402
77$15,074,407$0$0$10,909,269
78$16,405,271$0$0$11,875,511
79$17,865,370$0$0$12,935,695
80$19,467,683$0$0$14,099,258
81$21,226,503$0$0$15,376,594
82$23,157,576$0$0$16,779,153
83$25,278,246$0$0$18,319,549
84$27,607,621$0$0$20,011,676
85$30,166,748$0$0$21,870,841
86$32,978,816$0$0$23,913,908
87$36,069,368$0$0$26,159,453
88$39,466,549$0$0$28,627,943
89$43,201,362$0$0$31,341,926
90$47,307,966$0$0$34,326,244
91$51,823,997$0$0$37,608,267
92$56,790,917$0$0$41,218,150
93$62,254,410$0$0$45,189,117
94$68,264,810$0$0$49,557,773
95$74,877,576$0$0$54,364,454
96$82,153,810$0$0$59,653,596
97$90,160,841$0$0$65,474,166
98$98,972,850$0$0$71,880,116
99$108,671,575$0$0$78,930,891
100$119,347,080$0$0$86,691,994