Can I retire at age 35 with 909,000?

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 $909,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$75,064$74,396$73,743$73,107$72,485$72,089
2 years$37,161$36,468$35,798$35,147$34,517$34,117
3 years$24,528$23,833$23,164$22,519$21,899$21,508
4 years$18,212$17,519$16,857$16,224$15,618$15,239
5 years$14,424$13,735$13,082$12,462$11,873$11,506
6 years$11,900$11,216$10,572$9,966$9,395$9,042
7 years$10,097$9,419$8,785$8,193$7,640$7,301
8 years$8,746$8,074$7,451$6,873$6,338$6,013
9 years$7,695$7,030$6,417$5,854$5,338$5,025
10 years$6,855$6,196$5,595$5,047$4,548$4,249
11 years$6,169$5,516$4,926$4,392$3,912$3,626
12 years$5,597$4,951$4,371$3,852$3,390$3,117
13 years$5,113$4,474$3,905$3,401$2,956$2,696
14 years$4,699$4,067$3,509$3,019$2,591$2,343
15 years$4,341$3,715$3,168$2,692$2,281$2,046
16 years$4,027$3,409$2,872$2,411$2,016$1,792
17 years$3,751$3,139$2,614$2,166$1,788$1,575
18 years$3,506$2,901$2,386$1,952$1,590$1,388
19 years$3,286$2,689$2,184$1,764$1,417$1,226
20 years$3,089$2,498$2,005$1,598$1,266$1,085
21 years$2,911$2,327$1,844$1,450$1,133$962
22 years$2,750$2,172$1,699$1,318$1,015$854
23 years$2,602$2,032$1,569$1,201$911$759
24 years$2,467$1,904$1,451$1,095$819$676
25 years$2,344$1,786$1,344$1,000$737$602
26 years$2,229$1,679$1,247$914$664$537
27 years$2,124$1,580$1,158$837$599$479
28 years$2,026$1,489$1,076$767$540$428
29 years$1,935$1,405$1,001$703$488$382
30 years$1,850$1,326$933$645$441$342
31 years$1,771$1,254$870$593$398$306
32 years$1,697$1,187$811$545$360$274
33 years$1,628$1,124$758$501$326$245
34 years$1,563$1,065$708$461$295$220
35 years$1,501$1,010$662$424$267$197
36 years$1,444$959$619$391$242$176
37 years$1,389$911$579$360$220$158
38 years$1,338$865$543$332$199$142
39 years$1,289$823$508$306$181$127
40 years$1,243$783$476$282$164$114
41 years$1,199$745$447$260$149$102
42 years$1,157$710$419$240$135$92
43 years$1,118$676$393$222$122$82
44 years$1,080$645$369$205$111$74
45 years$1,044$615$347$189$101$66
46 years$1,010$586$326$175$92$60
47 years$977$560$306$161$83$54
48 years$946$534$287$149$75$48
49 years$916$510$270$138$69$43
50 years$888$487$254$127$62$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $909,000, adding $4,474 every year, while hoping to spend $28,199 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: 80/7/13 Blend
34$909,000$909,000$909,000$909,000
35$1,006,333$958,156$944,066$1,083,968
36$1,078,975$975,102$945,689$1,152,566
37$1,158,082$991,933$946,421$1,223,726
38$1,244,283$1,008,615$946,203$1,301,003
39$1,338,271$1,025,108$944,971$1,384,998
40$1,440,808$1,041,372$942,662$1,476,372
41$1,552,734$1,057,362$939,204$1,575,851
42$1,674,973$1,073,033$934,528$1,684,238
43$1,808,542$1,088,334$928,556$1,802,415
44$1,954,561$1,103,209$921,210$1,931,356
45$2,114,262$1,117,603$912,407$2,072,131
46$2,289,004$1,131,452$902,059$2,225,921
47$2,480,280$1,144,691$890,076$2,394,028
48$2,689,737$1,157,249$876,362$2,577,884
49$2,919,187$1,169,052$860,818$2,779,068
50$3,170,627$1,180,018$843,338$2,999,321
51$3,446,255$1,190,063$823,814$3,240,559
52$3,748,492$1,199,095$802,130$3,504,896
53$4,080,005$1,207,017$778,168$3,794,658
54$4,443,731$1,213,727$751,802$4,112,413
55$4,842,905$1,219,113$722,901$4,460,985
56$5,281,092$1,223,059$691,328$4,843,490
57$5,762,215$1,225,442$656,941$5,263,360
58$6,290,601$1,226,128$619,588$5,724,379
59$6,871,013$1,224,979$579,114$6,230,715
60$7,508,697$1,221,844$535,356$6,786,960
61$8,209,436$1,216,566$488,142$7,398,179
62$8,979,598$1,208,977$437,294$8,069,948
63$9,826,200$1,198,900$382,626$8,808,416
64$10,756,971$1,186,145$323,943$9,620,359
65$11,780,429$1,170,513$261,042$10,513,242
66$12,905,957$1,151,792$193,711$11,495,294
67$14,143,892$1,129,757$121,728$12,575,582
68$15,505,624$1,104,171$44,861$13,764,100
69$17,003,703$1,074,781$0$15,071,861
70$18,651,957$1,041,321$0$16,516,156
71$20,465,619$1,003,508$0$18,112,182
72$22,461,477$961,044$0$19,868,486
73$24,658,025$913,613$0$21,801,351
74$27,075,644$860,881$0$23,928,718
75$29,736,789$802,493$0$26,270,357
76$32,666,202$738,076$0$28,848,056
77$35,891,148$667,235$0$31,685,819
78$39,441,668$589,553$0$34,810,102
79$43,350,864$504,586$0$38,250,054
80$47,655,212$411,871$0$42,037,797
81$52,394,903$310,912$0$46,208,729
82$57,614,227$201,191$0$50,801,857
83$63,361,987$82,157$0$55,860,164
84$69,691,957$0$0$61,431,016
85$76,663,396$0$0$67,570,213
86$84,341,603$0$0$74,338,808
87$92,798,530$0$0$81,793,908
88$102,113,468$0$0$90,005,413
89$112,373,788$0$0$99,050,350
90$123,675,771$0$0$109,013,598
91$136,125,511$0$0$119,988,692
92$149,839,921$0$0$132,078,700
93$164,947,833$0$0$145,397,200
94$181,591,217$0$0$160,069,351
95$199,926,514$0$0$176,233,073
96$220,126,121$0$0$194,040,349
97$242,380,012$0$0$213,658,660
98$266,897,532$0$0$235,272,564
99$293,909,374$0$0$259,085,438
100$323,669,755$0$0$285,321,401