Can I retire at age 35 with 907,000?

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 $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%13.3%
1 years$74,899$74,232$73,581$72,946$72,325$71,333
2 years$37,079$36,388$35,719$35,070$34,441$33,443
3 years$24,474$23,780$23,113$22,470$21,851$20,878
4 years$18,172$17,481$16,820$16,188$15,584$14,644
5 years$14,393$13,705$13,053$12,434$11,847$10,942
6 years$11,873$11,191$10,549$9,944$9,374$8,506
7 years$10,075$9,398$8,766$8,175$7,624$6,793
8 years$8,726$8,056$7,434$6,858$6,324$5,531
9 years$7,678$7,014$6,403$5,841$5,326$4,569
10 years$6,840$6,183$5,582$5,035$4,538$3,817
11 years$6,155$5,504$4,915$4,382$3,903$3,217
12 years$5,584$4,940$4,362$3,844$3,382$2,730
13 years$5,102$4,465$3,897$3,394$2,949$2,331
14 years$4,689$4,058$3,501$3,012$2,585$2,000
15 years$4,331$3,707$3,161$2,687$2,276$1,722
16 years$4,018$3,401$2,866$2,406$2,012$1,489
17 years$3,743$3,132$2,608$2,161$1,784$1,290
18 years$3,498$2,895$2,381$1,948$1,586$1,121
19 years$3,279$2,683$2,180$1,760$1,414$976
20 years$3,083$2,493$2,000$1,594$1,263$851
21 years$2,905$2,322$1,840$1,447$1,130$743
22 years$2,744$2,167$1,696$1,315$1,013$650
23 years$2,597$2,027$1,566$1,198$909$569
24 years$2,462$1,899$1,448$1,093$817$499
25 years$2,338$1,782$1,341$998$735$437
26 years$2,224$1,675$1,244$912$662$384
27 years$2,119$1,577$1,155$835$597$337
28 years$2,022$1,486$1,074$765$539$297
29 years$1,931$1,401$999$702$487$261
30 years$1,846$1,324$931$644$440$229
31 years$1,767$1,251$868$591$398$202
32 years$1,694$1,184$810$544$360$178
33 years$1,624$1,121$756$500$325$157
34 years$1,559$1,063$706$460$295$138
35 years$1,498$1,008$660$423$267$122
36 years$1,441$957$618$390$242$107
37 years$1,386$909$578$359$219$94
38 years$1,335$863$541$331$199$83
39 years$1,286$821$507$305$180$73
40 years$1,240$781$475$282$163$65
41 years$1,196$744$446$260$148$57
42 years$1,155$708$418$240$135$50
43 years$1,115$675$392$221$122$44
44 years$1,078$643$368$204$111$39
45 years$1,042$613$346$189$101$35
46 years$1,008$585$325$174$91$30
47 years$975$558$305$161$83$27
48 years$944$533$287$149$75$24
49 years$914$509$270$138$68$21
50 years$886$486$253$127$62$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $907,000, adding $4,966 every year, while hoping to spend $28,905 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: 36/49/15 Blend
34$907,000$907,000$907,000$907,000
35$1,004,636$956,565$942,507$1,036,019
36$1,076,355$972,682$943,326$1,075,241
37$1,154,419$988,620$943,204$1,114,448
38$1,239,447$1,004,340$942,079$1,156,152
39$1,332,117$1,019,799$939,885$1,200,590
40$1,433,177$1,034,953$936,554$1,248,025
41$1,543,447$1,049,752$932,015$1,298,746
42$1,663,834$1,064,145$926,193$1,353,076
43$1,795,333$1,078,076$919,009$1,411,369
44$1,939,042$1,091,487$910,380$1,474,015
45$2,096,168$1,104,313$900,221$1,541,449
46$2,268,039$1,116,486$888,441$1,614,150
47$2,456,120$1,127,935$874,945$1,692,645
48$2,662,023$1,138,583$859,634$1,777,520
49$2,887,523$1,148,347$842,405$1,869,420
50$3,134,573$1,157,139$823,149$1,969,059
51$3,405,328$1,164,867$801,752$2,077,226
52$3,702,156$1,171,430$778,096$2,194,792
53$4,027,670$1,176,724$752,056$2,322,719
54$4,384,745$1,180,636$723,503$2,462,070
55$4,776,549$1,183,047$692,300$2,614,020
56$5,206,570$1,183,829$658,305$2,779,865
57$5,678,652$1,182,849$621,370$2,961,037
58$6,197,028$1,179,962$581,339$3,159,120
59$6,766,361$1,175,017$538,051$3,375,860
60$7,391,790$1,167,853$491,336$3,613,185
61$8,078,974$1,158,298$441,016$3,873,227
62$8,834,146$1,146,172$386,908$4,158,336
63$9,664,176$1,131,282$328,816$4,471,109
64$10,576,631$1,113,424$266,541$4,814,412
65$11,579,848$1,092,382$199,870$5,191,408
66$12,683,012$1,067,928$128,585$5,605,591
67$13,896,241$1,039,819$52,455$6,060,815
68$15,230,687$1,007,799$0$6,561,334
69$16,698,632$971,596$0$7,116,452
70$18,313,612$930,924$0$7,736,000
71$20,090,539$885,478$0$8,417,334
72$22,045,844$834,936$0$9,166,808
73$24,197,632$778,959$0$9,991,428
74$26,565,850$717,188$0$10,898,924
75$29,172,477$649,241$0$11,897,819
76$32,041,734$574,718$0$12,997,515
77$35,200,305$493,193$0$14,208,380
78$38,677,596$404,219$0$15,541,848
79$42,506,006$307,321$0$17,010,530
80$46,721,237$201,999$0$18,628,332
81$51,362,630$87,724$0$20,410,589
82$56,473,534$0$0$22,374,210
83$62,101,716$0$0$24,557,288
84$68,299,810$0$0$27,013,685
85$75,125,817$0$0$29,719,109
86$82,643,649$0$0$32,698,912
87$90,923,732$0$0$35,981,031
88$100,043,672$0$0$39,596,251
89$110,088,986$0$0$43,578,496
90$121,153,909$0$0$47,965,148
91$133,342,283$0$0$52,797,401
92$146,768,538$0$0$58,120,647
93$161,558,769$0$0$63,984,908
94$177,851,929$0$0$70,445,307
95$195,801,137$0$0$77,562,585
96$215,575,127$0$0$85,403,680
97$237,359,834$0$0$94,042,351
98$261,360,158$0$0$103,559,884
99$287,801,887$0$0$114,045,849
100$316,933,837$0$0$125,598,952