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%13.4%
1 years$82,496$81,762$81,045$80,345$79,662$78,536
2 years$40,840$40,079$39,342$38,627$37,934$36,802
3 years$26,956$26,192$25,457$24,749$24,067$22,964
4 years$20,016$19,254$18,526$17,830$17,165$16,099
5 years$15,852$15,095$14,377$13,695$13,048$12,023
6 years$13,078$12,327$11,619$10,952$10,325$9,342
7 years$11,097$10,352$9,655$9,004$8,397$7,456
8 years$9,612$8,873$8,188$7,554$6,966$6,067
9 years$8,457$7,726$7,053$6,434$5,866$5,009
10 years$7,534$6,810$6,149$5,546$4,998$4,182
11 years$6,779$6,063$5,413$4,827$4,299$3,522
12 years$6,151$5,441$4,804$4,234$3,725$2,988
13 years$5,620$4,917$4,292$3,738$3,248$2,549
14 years$5,164$4,470$3,857$3,318$2,848$2,185
15 years$4,770$4,083$3,482$2,959$2,507$1,881
16 years$4,426$3,746$3,157$2,650$2,216$1,624
17 years$4,122$3,450$2,873$2,381$1,965$1,407
18 years$3,853$3,188$2,622$2,145$1,747$1,221
19 years$3,612$2,955$2,401$1,939$1,557$1,062
20 years$3,395$2,746$2,203$1,756$1,391$926
21 years$3,200$2,558$2,026$1,593$1,245$808
22 years$3,022$2,387$1,868$1,449$1,116$706
23 years$2,860$2,233$1,725$1,319$1,001$618
24 years$2,712$2,092$1,595$1,203$900$541
25 years$2,576$1,963$1,477$1,099$810$474
26 years$2,450$1,845$1,370$1,005$730$416
27 years$2,334$1,736$1,272$920$658$365
28 years$2,227$1,636$1,183$843$594$321
29 years$2,127$1,544$1,101$773$536$282
30 years$2,034$1,458$1,025$709$484$248
31 years$1,947$1,378$956$651$438$218
32 years$1,865$1,304$892$599$396$192
33 years$1,789$1,235$833$550$358$169
34 years$1,717$1,170$778$507$325$148
35 years$1,650$1,110$727$466$294$131
36 years$1,587$1,054$680$429$266$115
37 years$1,527$1,001$637$396$241$101
38 years$1,470$951$596$365$219$89
39 years$1,417$904$559$336$198$79
40 years$1,366$860$524$310$180$69
41 years$1,318$819$491$286$163$61
42 years$1,272$780$461$264$148$54
43 years$1,228$743$432$244$134$47
44 years$1,187$708$406$225$122$42
45 years$1,147$676$381$208$111$37
46 years$1,110$644$358$192$101$32
47 years$1,074$615$336$177$91$29
48 years$1,040$587$316$164$83$25
49 years$1,007$561$297$151$75$22
50 years$975$536$279$140$68$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $999,000, adding $3,695 every year, while hoping to spend $28,824 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: 67/6/27 Blend
34$999,000$999,000$999,000$999,000
35$1,104,709$1,051,762$1,036,278$1,170,711
36$1,186,721$1,072,630$1,040,325$1,236,476
37$1,276,132$1,093,555$1,043,541$1,304,784
38$1,373,667$1,114,508$1,045,869$1,378,846
39$1,480,122$1,135,460$1,047,246$1,459,231
40$1,596,375$1,156,378$1,047,610$1,546,569
41$1,723,392$1,177,228$1,046,892$1,641,551
42$1,862,237$1,197,971$1,045,022$1,744,940
43$2,014,081$1,218,567$1,041,925$1,857,578
44$2,180,212$1,238,972$1,037,525$1,980,392
45$2,362,051$1,259,138$1,031,739$2,114,405
46$2,561,160$1,279,016$1,024,482$2,260,744
47$2,779,261$1,298,550$1,015,665$2,420,652
48$3,018,249$1,317,683$1,005,194$2,595,498
49$3,280,213$1,336,352$992,970$2,786,792
50$3,567,451$1,354,489$978,890$2,996,201
51$3,882,496$1,372,024$962,848$3,225,558
52$4,228,137$1,388,880$944,730$3,476,888
53$4,607,447$1,404,975$924,419$3,752,420
54$5,023,810$1,420,222$901,790$4,054,614
55$5,480,954$1,434,528$876,715$4,386,180
56$5,982,984$1,447,793$849,058$4,750,107
57$6,534,426$1,459,912$818,679$5,149,688
58$7,140,261$1,470,772$785,429$5,588,555
59$7,805,981$1,480,253$749,153$6,070,710
60$8,537,632$1,488,226$709,691$6,600,566
61$9,341,879$1,494,557$666,874$7,182,987
62$10,226,060$1,499,101$620,524$7,823,335
63$11,198,265$1,501,703$570,458$8,527,519
64$12,267,403$1,502,201$516,483$9,302,055
65$13,443,290$1,500,421$458,397$10,154,124
66$14,736,743$1,496,179$395,991$11,091,642
67$16,159,679$1,489,280$329,045$12,123,334
68$17,725,228$1,479,516$257,330$13,258,818
69$19,447,856$1,466,668$180,605$14,508,694
70$21,343,504$1,450,501$98,622$15,884,649
71$23,429,735$1,430,769$11,120$17,399,560
72$25,725,901$1,407,210$0$19,067,625
73$28,253,326$1,379,547$0$20,928,190
74$31,035,505$1,347,484$0$22,979,761
75$34,098,327$1,310,710$0$25,238,226
76$37,470,318$1,268,897$0$27,724,627
77$41,182,912$1,221,695$0$30,462,149
78$45,270,745$1,168,734$0$33,476,342
79$49,771,983$1,109,624$0$36,795,359
80$54,728,682$1,043,952$0$40,450,226
81$60,187,183$971,281$0$44,475,130
82$66,198,550$891,148$0$48,907,745
83$72,819,053$803,066$0$53,789,584
84$80,110,698$706,517$0$59,166,395
85$88,141,809$600,957$0$65,088,591
86$96,987,679$485,809$0$71,611,725
87$106,731,272$360,463$0$78,797,016
88$117,464,013$224,277$0$86,711,923
89$129,286,648$76,572$0$95,430,787
90$142,310,192$0$0$105,035,531
91$156,656,982$0$0$115,621,935
92$172,461,826$0$0$127,289,892
93$189,873,277$0$0$140,144,027
94$209,055,038$0$0$154,305,207
95$230,187,500$0$0$169,906,622
96$253,469,452$0$0$187,095,043
97$279,119,953$0$0$206,032,209
98$307,380,398$0$0$226,896,349
99$338,516,800$0$0$249,883,871
100$372,822,299$0$0$275,211,209