Can I retire at age 35 with 899,000?

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 $899,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$74,239$73,577$72,932$72,302$71,688$70,125
2 years$36,752$36,067$35,404$34,761$34,137$32,571
3 years$24,258$23,570$22,909$22,272$21,658$20,137
4 years$18,012$17,327$16,672$16,045$15,447$13,983
5 years$14,266$13,584$12,938$12,324$11,742$10,339
6 years$11,769$11,093$10,456$9,856$9,291$7,950
7 years$9,986$9,316$8,689$8,103$7,556$6,278
8 years$8,650$7,985$7,369$6,797$6,269$5,053
9 years$7,611$6,953$6,347$5,790$5,279$4,124
10 years$6,780$6,128$5,533$4,991$4,498$3,404
11 years$6,101$5,456$4,871$4,344$3,868$2,833
12 years$5,535$4,897$4,323$3,810$3,352$2,374
13 years$5,057$4,425$3,862$3,364$2,923$2,000
14 years$4,647$4,022$3,470$2,986$2,563$1,693
15 years$4,293$3,675$3,133$2,663$2,256$1,438
16 years$3,983$3,371$2,841$2,384$1,994$1,225
17 years$3,710$3,105$2,585$2,142$1,768$1,047
18 years$3,467$2,869$2,360$1,931$1,572$896
19 years$3,250$2,659$2,160$1,744$1,401$769
20 years$3,055$2,471$1,983$1,580$1,252$661
21 years$2,879$2,302$1,824$1,434$1,120$568
22 years$2,719$2,148$1,681$1,304$1,004$489
23 years$2,574$2,009$1,552$1,187$901$422
24 years$2,440$1,883$1,435$1,083$810$364
25 years$2,318$1,767$1,329$989$729$314
26 years$2,205$1,660$1,233$904$657$272
27 years$2,100$1,563$1,145$828$592$235
28 years$2,004$1,473$1,064$758$534$203
29 years$1,914$1,389$990$695$482$176
30 years$1,830$1,312$923$638$436$152
31 years$1,752$1,240$860$586$394$132
32 years$1,679$1,173$802$539$356$114
33 years$1,610$1,111$749$495$323$99
34 years$1,546$1,053$700$456$292$85
35 years$1,485$999$654$420$265$74
36 years$1,428$948$612$386$240$64
37 years$1,374$901$573$356$217$56
38 years$1,323$856$537$328$197$48
39 years$1,275$814$503$303$179$42
40 years$1,229$774$471$279$162$36
41 years$1,186$737$442$258$147$31
42 years$1,145$702$415$238$133$27
43 years$1,105$669$389$219$121$24
44 years$1,068$638$365$203$110$20
45 years$1,033$608$343$187$100$18
46 years$999$580$322$173$91$15
47 years$966$553$302$160$82$13
48 years$936$528$284$148$75$12
49 years$906$505$267$136$68$10
50 years$878$482$251$126$62$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $899,000, adding $3,924 every year, while hoping to spend $26,096 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: 39/44/17 Blend
34$899,000$899,000$899,000$899,000
35$994,746$947,099$933,164$1,028,346
36$1,068,444$965,740$936,659$1,071,371
37$1,148,784$984,421$939,397$1,115,061
38$1,236,418$1,003,115$941,324$1,161,752
39$1,332,059$1,021,794$942,385$1,211,727
40$1,436,496$1,040,429$942,521$1,265,301
41$1,550,595$1,058,987$941,672$1,322,821
42$1,675,311$1,077,432$939,774$1,384,670
43$1,811,694$1,095,728$936,758$1,451,271
44$1,960,902$1,113,834$932,554$1,523,088
45$2,124,208$1,131,706$927,089$1,600,638
46$2,303,015$1,149,297$920,284$1,684,487
47$2,498,868$1,166,558$912,059$1,775,262
48$2,713,468$1,183,435$902,328$1,873,655
49$2,948,688$1,199,869$891,002$1,980,429
50$3,206,591$1,215,800$877,988$2,096,424
51$3,489,450$1,231,161$863,187$2,222,572
52$3,799,768$1,245,882$846,498$2,359,896
53$4,140,302$1,259,888$827,814$2,509,529
54$4,514,088$1,273,098$807,021$2,672,718
55$4,924,473$1,285,427$784,004$2,850,842
56$5,375,140$1,296,784$758,638$3,045,421
57$5,870,148$1,307,070$730,797$3,258,131
58$6,413,970$1,316,183$700,345$3,490,823
59$7,011,531$1,324,013$667,143$3,745,539
60$7,668,259$1,330,441$631,044$4,024,532
61$8,390,132$1,335,343$591,894$4,330,286
62$9,183,736$1,338,586$549,534$4,665,543
63$10,056,329$1,340,028$503,796$5,033,327
64$11,015,907$1,339,521$454,504$5,436,976
65$12,071,276$1,336,905$401,477$5,880,168
66$13,232,144$1,332,011$344,524$6,366,964
67$14,509,202$1,324,659$283,445$6,901,842
68$15,914,233$1,314,659$218,033$7,489,742
69$17,460,217$1,301,810$148,069$8,136,110
70$19,161,458$1,285,897$73,328$8,846,956
71$21,033,714$1,266,694$0$9,628,907
72$23,094,351$1,243,960$0$10,490,438
73$25,362,502$1,217,442$0$11,452,714
74$27,859,249$1,186,868$0$12,511,354
75$30,607,822$1,151,954$0$13,676,212
76$33,633,817$1,112,397$0$14,958,148
77$36,965,440$1,067,878$0$16,369,136
78$40,633,769$1,018,058$0$17,922,377
79$44,673,050$962,580$0$19,632,423
80$49,121,019$901,064$0$21,515,317
81$54,019,258$833,111$0$23,588,746
82$59,413,585$758,296$0$25,872,204
83$65,354,491$676,173$0$28,387,186
84$71,897,612$586,268$0$31,157,384
85$79,104,256$488,083$0$34,208,916
86$87,041,979$381,089$0$37,570,572
87$95,785,227$264,728$0$41,274,090
88$105,416,033$138,412$0$45,354,453
89$116,024,793$1,519$0$49,850,225
90$127,711,121$0$0$54,803,914
91$140,584,786$0$0$60,333,360
92$154,766,749$0$0$66,425,739
93$170,390,306$0$0$73,137,599
94$187,602,342$0$0$80,532,066
95$206,564,721$0$0$88,678,703
96$227,455,811$0$0$97,654,168
97$250,472,169$0$0$107,542,931
98$275,830,395$0$0$118,438,083
99$303,769,178$0$0$130,442,201
100$334,551,544$0$0$143,668,327