Can I retire at age 35 with 908,000?

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 $908,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$74,982$74,314$73,662$73,026$72,405$70,031
2 years$37,120$36,428$35,758$35,109$34,479$32,110
3 years$24,501$23,806$23,138$22,495$21,875$19,585
4 years$18,192$17,500$16,839$16,206$15,601$13,408
5 years$14,408$13,720$13,067$12,448$11,860$9,770
6 years$11,887$11,204$10,560$9,955$9,384$7,398
7 years$10,086$9,409$8,776$8,184$7,632$5,750
8 years$8,736$8,065$7,443$6,866$6,331$4,552
9 years$7,687$7,022$6,410$5,848$5,332$3,654
10 years$6,848$6,190$5,589$5,041$4,543$2,963
11 years$6,162$5,510$4,920$4,387$3,907$2,422
12 years$5,591$4,946$4,366$3,848$3,386$1,992
13 years$5,108$4,470$3,901$3,397$2,953$1,647
14 years$4,694$4,063$3,505$3,016$2,588$1,368
15 years$4,336$3,711$3,165$2,690$2,279$1,139
16 years$4,023$3,405$2,869$2,408$2,014$951
17 years$3,747$3,136$2,611$2,164$1,786$797
18 years$3,502$2,898$2,383$1,950$1,588$668
19 years$3,283$2,686$2,182$1,762$1,415$561
20 years$3,086$2,496$2,002$1,596$1,264$472
21 years$2,908$2,325$1,842$1,448$1,131$397
22 years$2,747$2,170$1,698$1,317$1,014$335
23 years$2,599$2,029$1,567$1,199$910$282
24 years$2,465$1,901$1,450$1,094$818$238
25 years$2,341$1,784$1,343$999$736$201
26 years$2,227$1,677$1,245$913$663$170
27 years$2,121$1,578$1,156$836$598$144
28 years$2,024$1,487$1,075$766$539$121
29 years$1,933$1,403$1,000$702$487$103
30 years$1,848$1,325$932$645$440$87
31 years$1,769$1,253$869$592$398$73
32 years$1,695$1,185$810$544$360$62
33 years$1,626$1,122$757$500$326$53
34 years$1,561$1,064$707$460$295$44
35 years$1,500$1,009$661$424$267$38
36 years$1,442$958$618$390$242$32
37 years$1,388$910$579$360$219$27
38 years$1,336$864$542$331$199$23
39 years$1,288$822$508$306$180$19
40 years$1,241$782$476$282$164$16
41 years$1,198$744$446$260$148$14
42 years$1,156$709$419$240$135$12
43 years$1,116$676$393$222$122$10
44 years$1,079$644$369$205$111$8
45 years$1,043$614$346$189$101$7
46 years$1,009$586$325$175$91$6
47 years$976$559$306$161$83$5
48 years$945$534$287$149$75$4
49 years$915$510$270$138$68$4
50 years$887$487$254$127$62$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $908,000, adding $3,465 every year, while hoping to spend $42,279 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: 57/16/27 Blend
34$908,000$908,000$908,000$908,000
35$1,004,190$956,066$941,992$1,053,828
36$1,061,633$957,929$928,564$1,090,119
37$1,123,518$958,466$913,270$1,124,920
38$1,190,254$957,567$896,001$1,161,980
39$1,262,289$955,117$876,646$1,201,529
40$1,340,116$950,992$855,088$1,243,824
41$1,424,278$945,060$831,203$1,289,149
42$1,515,369$937,183$804,863$1,337,819
43$1,614,045$927,214$775,935$1,390,184
44$1,721,025$914,995$744,276$1,446,629
45$1,837,101$900,361$709,741$1,507,585
46$1,963,144$883,137$672,176$1,573,524
47$2,100,111$863,137$631,419$1,644,974
48$2,249,055$840,164$587,305$1,722,516
49$2,411,136$814,009$539,657$1,806,793
50$2,587,628$784,452$488,292$1,898,520
51$2,779,935$751,259$433,018$1,998,485
52$2,989,601$714,183$373,637$2,107,561
53$3,218,325$672,963$309,939$2,226,714
54$3,467,979$627,322$241,706$2,357,011
55$3,740,620$576,969$168,711$2,499,634
56$4,038,517$521,594$90,716$2,655,888
57$4,364,164$460,871$7,474$2,827,218
58$4,720,310$394,454$0$3,015,218
59$5,109,979$321,980$0$3,245,094
60$5,536,502$243,062$0$3,499,174
61$6,003,548$157,295$0$3,777,541
62$6,515,156$64,248$0$4,082,657
63$7,075,773$0$0$4,417,241
64$7,690,301$0$0$4,790,721
65$8,364,133$0$0$5,212,727
66$9,103,213$0$0$5,675,677
67$9,914,086$0$0$6,183,683
68$10,803,961$0$0$6,741,271
69$11,780,782$0$0$7,353,429
70$12,853,294$0$0$8,025,651
71$14,031,136$0$0$8,763,988
72$15,324,922$0$0$9,575,106
73$16,746,346$0$0$10,466,350
74$18,308,291$0$0$11,445,811
75$20,024,950$0$0$12,522,401
76$21,911,958$0$0$13,705,940
77$23,986,542$0$0$15,007,247
78$26,267,680$0$0$16,438,241
79$28,776,281$0$0$18,012,055
80$31,535,381$0$0$19,743,157
81$34,570,364$0$0$21,647,489
82$37,909,194$0$0$23,742,614
83$41,582,683$0$0$26,047,885
84$45,624,780$0$0$28,584,624
85$50,072,892$0$0$31,376,326
86$54,968,235$0$0$34,448,878
87$60,356,222$0$0$37,830,804
88$66,286,892$0$0$41,553,533
89$72,815,382$0$0$45,651,695
90$80,002,446$0$0$50,163,451
91$87,915,026$0$0$55,130,847
92$96,626,889$0$0$60,600,215
93$106,219,314$0$0$66,622,608
94$116,781,866$0$0$73,254,283
95$128,413,236$0$0$80,557,228
96$141,222,173$0$0$88,599,749
97$155,328,512$0$0$97,457,117
98$170,864,300$0$0$107,212,273
99$187,975,046$0$0$117,956,612
100$206,821,089$0$0$129,790,848