Can I retire at age 35 with 909,000?

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 $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%14.9%
1 years$75,064$74,396$73,743$73,107$72,485$71,021
2 years$37,161$36,468$35,798$35,147$34,517$33,049
3 years$24,528$23,833$23,164$22,519$21,899$20,472
4 years$18,212$17,519$16,857$16,224$15,618$14,244
5 years$14,424$13,735$13,082$12,462$11,873$10,554
6 years$11,900$11,216$10,572$9,966$9,395$8,134
7 years$10,097$9,419$8,785$8,193$7,640$6,437
8 years$8,746$8,074$7,451$6,873$6,338$5,193
9 years$7,695$7,030$6,417$5,854$5,338$4,249
10 years$6,855$6,196$5,595$5,047$4,548$3,515
11 years$6,169$5,516$4,926$4,392$3,912$2,933
12 years$5,597$4,951$4,371$3,852$3,390$2,464
13 years$5,113$4,474$3,905$3,401$2,956$2,082
14 years$4,699$4,067$3,509$3,019$2,591$1,767
15 years$4,341$3,715$3,168$2,692$2,281$1,505
16 years$4,027$3,409$2,872$2,411$2,016$1,286
17 years$3,751$3,139$2,614$2,166$1,788$1,102
18 years$3,506$2,901$2,386$1,952$1,590$946
19 years$3,286$2,689$2,184$1,764$1,417$814
20 years$3,089$2,498$2,005$1,598$1,266$702
21 years$2,911$2,327$1,844$1,450$1,133$605
22 years$2,750$2,172$1,699$1,318$1,015$523
23 years$2,602$2,032$1,569$1,201$911$452
24 years$2,467$1,904$1,451$1,095$819$391
25 years$2,344$1,786$1,344$1,000$737$339
26 years$2,229$1,679$1,247$914$664$294
27 years$2,124$1,580$1,158$837$599$255
28 years$2,026$1,489$1,076$767$540$221
29 years$1,935$1,405$1,001$703$488$192
30 years$1,850$1,326$933$645$441$167
31 years$1,771$1,254$870$593$398$145
32 years$1,697$1,187$811$545$360$126
33 years$1,628$1,124$758$501$326$109
34 years$1,563$1,065$708$461$295$95
35 years$1,501$1,010$662$424$267$83
36 years$1,444$959$619$391$242$72
37 years$1,389$911$579$360$220$62
38 years$1,338$865$543$332$199$54
39 years$1,289$823$508$306$181$47
40 years$1,243$783$476$282$164$41
41 years$1,199$745$447$260$149$36
42 years$1,157$710$419$240$135$31
43 years$1,118$676$393$222$122$27
44 years$1,080$645$369$205$111$24
45 years$1,044$615$347$189$101$20
46 years$1,010$586$326$175$92$18
47 years$977$560$306$161$83$15
48 years$946$534$287$149$75$13
49 years$916$510$270$138$69$12
50 years$888$487$254$127$62$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $909,000, adding $3,266 every year, while hoping to spend $25,922 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: 69/9/22 Blend
34$909,000$909,000$909,000$909,000
35$1,005,087$956,910$942,820$1,068,682
36$1,080,025$976,218$946,824$1,130,939
37$1,161,738$995,603$950,093$1,195,717
38$1,250,889$1,015,041$952,575$1,265,979
39$1,348,210$1,034,508$954,217$1,342,267
40$1,454,504$1,053,976$954,959$1,425,176
41$1,570,656$1,073,413$954,743$1,515,362
42$1,697,641$1,092,789$953,505$1,613,550
43$1,836,532$1,112,067$951,179$1,720,538
44$1,988,511$1,131,211$947,696$1,837,203
45$2,154,878$1,150,179$942,983$1,964,516
46$2,337,066$1,168,928$936,963$2,103,544
47$2,536,652$1,187,411$929,557$2,255,464
48$2,755,374$1,205,578$920,681$2,421,573
49$2,995,145$1,223,374$910,247$2,603,302
50$3,258,073$1,240,743$898,163$2,802,226
51$3,546,478$1,257,621$884,333$3,020,082
52$3,862,917$1,273,942$868,657$3,258,786
53$4,210,206$1,289,637$851,028$3,520,449
54$4,591,446$1,304,628$831,337$3,807,395
55$5,010,055$1,318,836$809,467$4,122,190
56$5,469,795$1,332,174$785,299$4,467,661
57$5,974,814$1,344,550$758,706$4,846,921
58$6,529,678$1,355,866$729,556$5,263,406
59$7,139,419$1,366,017$697,710$5,720,900
60$7,809,581$1,374,893$663,025$6,223,575
61$8,546,271$1,382,375$625,348$6,776,029
62$9,356,216$1,388,338$584,523$7,383,331
63$10,246,830$1,392,646$540,385$8,051,067
64$11,226,280$1,395,159$492,760$8,785,394
65$12,303,562$1,395,724$441,470$9,593,100
66$13,488,592$1,394,181$386,326$10,481,665
67$14,792,293$1,390,360$327,132$11,459,334
68$16,226,698$1,384,079$263,682$12,535,194
69$17,805,069$1,375,146$195,763$13,719,263
70$19,542,016$1,363,358$123,151$15,022,578
71$21,453,638$1,348,499$45,613$16,457,309
72$23,557,672$1,330,339$0$18,036,867
73$25,873,665$1,308,636$0$19,784,749
74$28,423,152$1,283,132$0$21,720,522
75$31,229,864$1,253,556$0$23,851,487
76$34,319,948$1,219,618$0$26,197,498
77$37,722,216$1,181,013$0$28,780,435
78$41,468,418$1,137,418$0$31,624,405
79$45,593,536$1,088,491$0$34,755,979
80$50,136,119$1,033,869$0$38,204,433
81$55,138,644$973,170$0$42,002,029
82$60,647,920$905,990$0$46,184,320
83$66,715,524$831,899$0$50,790,484
84$73,398,291$750,445$0$55,863,695
85$80,758,850$661,151$0$61,451,527
86$88,866,215$563,510$0$67,606,411
87$97,796,435$456,988$0$74,386,120
88$107,633,313$341,022$0$81,854,323
89$118,469,193$215,014$0$90,081,181
90$130,405,838$78,337$0$99,144,010
91$143,555,384$0$0$109,128,015
92$158,041,400$0$0$120,133,987
93$174,000,055$0$0$132,267,447
94$191,581,405$0$0$145,634,734
95$210,950,802$0$0$160,361,578
96$232,290,462$0$0$176,586,532
97$255,801,182$0$0$194,462,275
98$281,704,234$0$0$214,157,057
99$310,243,455$0$0$235,856,285
100$341,687,545$0$0$259,764,274