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%17.3%
1 years$75,064$74,396$73,743$73,107$72,485$70,334
2 years$37,161$36,468$35,798$35,147$34,517$32,367
3 years$24,528$23,833$23,164$22,519$21,899$19,818
4 years$18,212$17,519$16,857$16,224$15,618$13,623
5 years$14,424$13,735$13,082$12,462$11,873$9,968
6 years$11,900$11,216$10,572$9,966$9,395$7,582
7 years$10,097$9,419$8,785$8,193$7,640$5,920
8 years$8,746$8,074$7,451$6,873$6,338$4,709
9 years$7,695$7,030$6,417$5,854$5,338$3,797
10 years$6,855$6,196$5,595$5,047$4,548$3,095
11 years$6,169$5,516$4,926$4,392$3,912$2,543
12 years$5,597$4,951$4,371$3,852$3,390$2,103
13 years$5,113$4,474$3,905$3,401$2,956$1,748
14 years$4,699$4,067$3,509$3,019$2,591$1,460
15 years$4,341$3,715$3,168$2,692$2,281$1,223
16 years$4,027$3,409$2,872$2,411$2,016$1,027
17 years$3,751$3,139$2,614$2,166$1,788$865
18 years$3,506$2,901$2,386$1,952$1,590$730
19 years$3,286$2,689$2,184$1,764$1,417$617
20 years$3,089$2,498$2,005$1,598$1,266$522
21 years$2,911$2,327$1,844$1,450$1,133$442
22 years$2,750$2,172$1,699$1,318$1,015$375
23 years$2,602$2,032$1,569$1,201$911$318
24 years$2,467$1,904$1,451$1,095$819$270
25 years$2,344$1,786$1,344$1,000$737$230
26 years$2,229$1,679$1,247$914$664$195
27 years$2,124$1,580$1,158$837$599$166
28 years$2,026$1,489$1,076$767$540$141
29 years$1,935$1,405$1,001$703$488$120
30 years$1,850$1,326$933$645$441$102
31 years$1,771$1,254$870$593$398$87
32 years$1,697$1,187$811$545$360$74
33 years$1,628$1,124$758$501$326$63
34 years$1,563$1,065$708$461$295$54
35 years$1,501$1,010$662$424$267$46
36 years$1,444$959$619$391$242$39
37 years$1,389$911$579$360$220$33
38 years$1,338$865$543$332$199$28
39 years$1,289$823$508$306$181$24
40 years$1,243$783$476$282$164$21
41 years$1,199$745$447$260$149$18
42 years$1,157$710$419$240$135$15
43 years$1,118$676$393$222$122$13
44 years$1,080$645$369$205$111$11
45 years$1,044$615$347$189$101$9
46 years$1,010$586$326$175$92$8
47 years$977$560$306$161$83$7
48 years$946$534$287$149$75$6
49 years$916$510$270$138$69$5
50 years$888$487$254$127$62$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $909,000, adding $6,544 every year, while hoping to spend $34,529 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: 49/35/16 Blend
34$909,000$909,000$909,000$909,000
35$1,008,468$960,291$946,202$1,053,098
36$1,074,593$970,607$941,161$1,094,911
37$1,146,306$980,271$934,794$1,136,213
38$1,224,140$989,214$927,020$1,180,327
39$1,308,681$997,365$917,754$1,227,527
40$1,400,575$1,004,645$906,908$1,278,119
41$1,500,533$1,010,971$894,388$1,332,442
42$1,609,335$1,016,256$880,098$1,390,868
43$1,727,841$1,020,407$863,934$1,453,811
44$1,856,996$1,023,322$845,792$1,521,727
45$1,997,842$1,024,897$825,559$1,595,121
46$2,151,525$1,025,020$803,117$1,674,551
47$2,319,305$1,023,571$778,346$1,760,635
48$2,502,571$1,020,422$751,118$1,854,055
49$2,702,850$1,015,441$721,298$1,955,564
50$2,921,827$1,008,483$688,747$2,065,995
51$3,161,353$999,398$653,320$2,186,270
52$3,423,467$988,025$614,862$2,317,405
53$3,710,417$974,194$573,216$2,460,525
54$4,024,674$957,725$528,214$2,616,872
55$4,368,963$938,426$479,682$2,787,817
56$4,746,284$916,095$427,437$2,974,876
57$5,159,940$890,518$371,291$3,179,723
58$5,613,568$861,469$311,044$3,404,206
59$6,111,178$828,706$246,489$3,650,367
60$6,657,181$791,976$177,410$3,920,461
61$7,256,441$751,010$103,581$4,216,978
62$7,914,313$705,525$24,766$4,542,664
63$8,636,696$655,218$0$4,900,556
64$9,430,088$599,773$0$5,304,134
65$10,301,648$538,853$0$5,752,136
66$11,259,262$472,103$0$6,244,458
67$12,311,619$399,148$0$6,785,652
68$13,468,289$319,592$0$7,380,740
69$14,739,818$233,015$0$8,035,264
70$16,137,822$138,975$0$8,755,332
71$17,675,101$37,006$0$9,547,686
72$19,365,756$0$0$10,419,757
73$21,225,323$0$0$11,408,007
74$23,270,920$0$0$12,510,911
75$25,521,407$0$0$13,724,399
76$27,997,565$0$0$15,059,691
77$30,722,289$0$0$16,529,147
78$33,720,808$0$0$18,146,388
79$37,020,919$0$0$19,926,424
80$40,653,249$0$0$21,885,789
81$44,651,548$0$0$24,042,707
82$49,053,000$0$0$26,417,253
83$53,898,581$0$0$29,031,553
84$59,233,440$0$0$31,909,983
85$65,107,326$0$0$35,079,405
86$71,575,058$0$0$38,569,418
87$78,697,044$0$0$42,412,638
88$86,539,843$0$0$46,645,003
89$95,176,803$0$0$51,306,118
90$104,688,744$0$0$56,439,622
91$115,164,727$0$0$62,093,601
92$126,702,888$0$0$68,321,047
93$139,411,370$0$0$75,180,349
94$153,409,337$0$0$82,735,853
95$168,828,104$0$0$91,058,462
96$185,812,373$0$0$100,226,309
97$204,521,597$0$0$110,325,493
98$225,131,487$0$0$121,450,891
99$247,835,669$0$0$133,707,054
100$272,847,512$0$0$147,209,193