Can I retire at age 35 with 999,000?

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 $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%13.5%
1 years$82,496$81,762$81,045$80,345$79,662$78,504
2 years$40,840$40,079$39,342$38,627$37,934$36,770
3 years$26,956$26,192$25,457$24,749$24,067$22,933
4 years$20,016$19,254$18,526$17,830$17,165$16,069
5 years$15,852$15,095$14,377$13,695$13,048$11,995
6 years$13,078$12,327$11,619$10,952$10,325$9,314
7 years$11,097$10,352$9,655$9,004$8,397$7,430
8 years$9,612$8,873$8,188$7,554$6,966$6,042
9 years$8,457$7,726$7,053$6,434$5,866$4,985
10 years$7,534$6,810$6,149$5,546$4,998$4,160
11 years$6,779$6,063$5,413$4,827$4,299$3,501
12 years$6,151$5,441$4,804$4,234$3,725$2,968
13 years$5,620$4,917$4,292$3,738$3,248$2,531
14 years$5,164$4,470$3,857$3,318$2,848$2,168
15 years$4,770$4,083$3,482$2,959$2,507$1,865
16 years$4,426$3,746$3,157$2,650$2,216$1,610
17 years$4,122$3,450$2,873$2,381$1,965$1,393
18 years$3,853$3,188$2,622$2,145$1,747$1,208
19 years$3,612$2,955$2,401$1,939$1,557$1,050
20 years$3,395$2,746$2,203$1,756$1,391$915
21 years$3,200$2,558$2,026$1,593$1,245$798
22 years$3,022$2,387$1,868$1,449$1,116$697
23 years$2,860$2,233$1,725$1,319$1,001$609
24 years$2,712$2,092$1,595$1,203$900$533
25 years$2,576$1,963$1,477$1,099$810$467
26 years$2,450$1,845$1,370$1,005$730$409
27 years$2,334$1,736$1,272$920$658$359
28 years$2,227$1,636$1,183$843$594$315
29 years$2,127$1,544$1,101$773$536$276
30 years$2,034$1,458$1,025$709$484$243
31 years$1,947$1,378$956$651$438$213
32 years$1,865$1,304$892$599$396$187
33 years$1,789$1,235$833$550$358$165
34 years$1,717$1,170$778$507$325$145
35 years$1,650$1,110$727$466$294$128
36 years$1,587$1,054$680$429$266$112
37 years$1,527$1,001$637$396$241$99
38 years$1,470$951$596$365$219$87
39 years$1,417$904$559$336$198$76
40 years$1,366$860$524$310$180$67
41 years$1,318$819$491$286$163$59
42 years$1,272$780$461$264$148$52
43 years$1,228$743$432$244$134$46
44 years$1,187$708$406$225$122$40
45 years$1,147$676$381$208$111$36
46 years$1,110$644$358$192$101$31
47 years$1,074$615$336$177$91$28
48 years$1,040$587$316$164$83$24
49 years$1,007$561$297$151$75$21
50 years$975$536$279$140$68$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $999,000, adding $2,832 every year, while hoping to spend $29,400 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: 39/37/24 Blend
34$999,000$999,000$999,000$999,000
35$1,103,819$1,050,872$1,035,388$1,138,899
36$1,185,127$1,071,084$1,038,792$1,184,789
37$1,273,744$1,091,300$1,041,325$1,231,414
38$1,370,382$1,111,490$1,042,926$1,281,248
39$1,475,830$1,131,622$1,043,532$1,334,600
40$1,590,951$1,151,658$1,043,078$1,391,813
41$1,716,700$1,171,561$1,041,492$1,453,262
42$1,854,124$1,191,289$1,038,703$1,519,365
43$2,004,379$1,210,796$1,034,634$1,590,582
44$2,168,735$1,230,034$1,029,203$1,667,420
45$2,348,593$1,248,953$1,022,329$1,750,440
46$2,545,494$1,267,496$1,013,921$1,840,261
47$2,761,135$1,285,603$1,003,888$1,937,568
48$2,997,385$1,303,213$992,132$2,043,114
49$3,256,303$1,320,255$978,554$2,157,732
50$3,540,156$1,336,658$963,046$2,282,344
51$3,851,441$1,352,343$945,497$2,417,963
52$4,192,908$1,367,228$925,791$2,565,712
53$4,567,586$1,381,224$903,807$2,726,827
54$4,978,812$1,394,236$879,416$2,902,675
55$5,430,261$1,406,163$852,487$3,094,762
56$5,925,982$1,416,899$822,879$3,304,753
57$6,470,434$1,426,329$790,447$3,534,483
58$7,068,530$1,434,331$755,039$3,785,981
59$7,725,682$1,440,775$716,495$4,061,481
60$8,447,853$1,445,524$674,648$4,363,452
61$9,241,611$1,448,432$629,326$4,694,617
62$10,114,192$1,449,343$580,346$5,057,981
63$11,073,570$1,448,091$527,518$5,456,858
64$12,128,529$1,444,501$470,644$5,894,908
65$13,288,744$1,438,388$409,516$6,376,166
66$14,564,880$1,429,553$343,919$6,905,083
67$15,968,683$1,417,786$273,625$7,486,571
68$17,513,097$1,402,865$198,400$8,126,050
69$19,212,382$1,384,555$117,996$8,829,494
70$21,082,253$1,362,606$32,156$9,603,497
71$23,140,022$1,336,753$0$10,455,330
72$25,404,765$1,306,715$0$11,408,239
73$27,897,503$1,272,197$0$12,465,622
74$30,641,397$1,232,882$0$13,629,068
75$33,661,965$1,188,439$0$14,909,415
76$36,987,328$1,138,515$0$16,318,612
77$40,648,472$1,082,739$0$17,869,829
78$44,679,537$1,020,715$0$19,577,587
79$49,118,147$952,026$0$21,457,892
80$54,005,755$876,233$0$23,528,390
81$59,388,043$792,869$0$25,808,532
82$65,315,346$701,442$0$28,319,758
83$71,843,129$601,431$0$31,085,704
84$79,032,514$492,286$0$34,132,425
85$86,950,850$373,428$0$37,488,639
86$95,672,351$244,241$0$41,186,005
87$105,278,801$104,078$0$45,259,417
88$115,860,315$0$0$49,747,341
89$127,516,202$0$0$54,711,614
90$140,355,890$0$0$60,226,948
91$154,499,967$0$0$66,302,790
92$170,081,314$0$0$72,996,248
93$187,246,363$0$0$80,370,252
94$206,156,475$0$0$88,494,149
95$226,989,464$0$0$97,444,356
96$249,941,277$0$0$107,305,083
97$275,227,839$0$0$118,169,130
98$303,087,097$0$0$130,138,755
99$333,781,257$0$0$143,326,648
100$367,599,270$0$0$157,856,989