Can I retire at age 35 with 999,000?

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 $999,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$82,496$81,762$81,045$80,345$79,662$78,278
2 years$40,840$40,079$39,342$38,627$37,934$36,544
3 years$26,956$26,192$25,457$24,749$24,067$22,714
4 years$20,016$19,254$18,526$17,830$17,165$15,860
5 years$15,852$15,095$14,377$13,695$13,048$11,795
6 years$13,078$12,327$11,619$10,952$10,325$9,125
7 years$11,097$10,352$9,655$9,004$8,397$7,250
8 years$9,612$8,873$8,188$7,554$6,966$5,872
9 years$8,457$7,726$7,053$6,434$5,866$4,825
10 years$7,534$6,810$6,149$5,546$4,998$4,009
11 years$6,779$6,063$5,413$4,827$4,299$3,360
12 years$6,151$5,441$4,804$4,234$3,725$2,835
13 years$5,620$4,917$4,292$3,738$3,248$2,406
14 years$5,164$4,470$3,857$3,318$2,848$2,052
15 years$4,770$4,083$3,482$2,959$2,507$1,757
16 years$4,426$3,746$3,157$2,650$2,216$1,508
17 years$4,122$3,450$2,873$2,381$1,965$1,299
18 years$3,853$3,188$2,622$2,145$1,747$1,121
19 years$3,612$2,955$2,401$1,939$1,557$970
20 years$3,395$2,746$2,203$1,756$1,391$840
21 years$3,200$2,558$2,026$1,593$1,245$729
22 years$3,022$2,387$1,868$1,449$1,116$633
23 years$2,860$2,233$1,725$1,319$1,001$550
24 years$2,712$2,092$1,595$1,203$900$479
25 years$2,576$1,963$1,477$1,099$810$417
26 years$2,450$1,845$1,370$1,005$730$364
27 years$2,334$1,736$1,272$920$658$317
28 years$2,227$1,636$1,183$843$594$277
29 years$2,127$1,544$1,101$773$536$242
30 years$2,034$1,458$1,025$709$484$211
31 years$1,947$1,378$956$651$438$184
32 years$1,865$1,304$892$599$396$161
33 years$1,789$1,235$833$550$358$141
34 years$1,717$1,170$778$507$325$123
35 years$1,650$1,110$727$466$294$108
36 years$1,587$1,054$680$429$266$94
37 years$1,527$1,001$637$396$241$82
38 years$1,470$951$596$365$219$72
39 years$1,417$904$559$336$198$63
40 years$1,366$860$524$310$180$55
41 years$1,318$819$491$286$163$48
42 years$1,272$780$461$264$148$42
43 years$1,228$743$432$244$134$37
44 years$1,187$708$406$225$122$32
45 years$1,147$676$381$208$111$28
46 years$1,110$644$358$192$101$25
47 years$1,074$615$336$177$91$22
48 years$1,040$587$316$164$83$19
49 years$1,007$561$297$151$75$17
50 years$975$536$279$140$68$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $999,000, adding $4,425 every year, while hoping to spend $59,997 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: 50/32/18 Blend
34$999,000$999,000$999,000$999,000
35$1,105,462$1,052,515$1,037,031$1,155,005
36$1,154,383$1,040,252$1,007,935$1,177,405
37$1,206,283$1,025,377$975,854$1,195,187
38$1,261,403$1,007,700$940,623$1,213,220
39$1,320,005$987,016$902,073$1,231,551
40$1,382,377$963,112$860,025$1,250,232
41$1,448,836$935,760$814,292$1,269,327
42$1,519,725$904,720$764,678$1,288,909
43$1,595,422$869,737$710,980$1,309,061
44$1,676,342$830,541$652,985$1,329,884
45$1,762,939$786,847$590,470$1,351,489
46$1,855,710$738,355$523,203$1,374,008
47$1,955,203$684,744$450,940$1,397,588
48$2,062,014$625,677$373,427$1,422,400
49$2,176,804$560,799$290,401$1,448,638
50$2,300,292$489,733$201,584$1,476,520
51$2,433,272$412,080$106,687$1,506,298
52$2,576,614$327,420$5,409$1,538,253
53$2,731,274$235,309$0$1,572,705
54$2,898,303$135,278$0$1,629,733
55$3,078,854$26,831$0$1,692,415
56$3,274,196$0$0$1,760,234
57$3,485,725$0$0$1,865,659
58$3,714,972$0$0$1,990,243
59$3,963,625$0$0$2,125,464
60$4,233,536$0$0$2,272,342
61$4,526,745$0$0$2,432,000
62$4,845,496$0$0$2,605,671
63$5,192,255$0$0$2,794,713
64$5,569,738$0$0$3,000,621
65$5,980,932$0$0$3,225,037
66$6,429,125$0$0$3,469,772
67$6,917,935$0$0$3,736,817
68$7,451,345$0$0$4,028,364
69$8,033,737$0$0$4,346,827
70$8,669,938$0$0$4,694,861
71$9,365,259$0$0$5,075,391
72$10,125,548$0$0$5,491,637
73$10,957,246$0$0$5,947,145
74$11,867,442$0$0$6,445,819
75$12,863,944$0$0$6,991,957
76$13,955,348$0$0$7,590,295
77$15,151,123$0$0$8,246,045
78$16,461,696$0$0$8,964,950
79$17,898,549$0$0$9,753,335
80$19,474,331$0$0$10,618,165
81$21,202,972$0$0$11,567,112
82$23,099,816$0$0$12,608,627
83$25,181,762$0$0$13,752,020
84$27,467,429$0$0$15,007,544
85$29,977,324$0$0$16,386,495
86$32,734,037$0$0$17,901,317
87$35,762,453$0$0$19,565,717
88$39,089,989$0$0$21,394,799
89$42,746,846$0$0$23,405,198
90$46,766,297$0$0$25,615,243
91$51,185,000$0$0$28,045,129
92$56,043,339$0$0$30,717,103
93$61,385,809$0$0$33,655,677
94$67,261,431$0$0$36,887,856
95$73,724,216$0$0$40,443,395
96$80,833,673$0$0$44,355,078
97$88,655,366$0$0$48,659,026
98$97,261,536$0$0$53,395,038
99$106,731,780$0$0$58,606,967
100$117,153,800$0$0$64,343,129