Can I retire at age 35 with 900,000?

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 $900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$74,321$73,659$73,013$72,383$71,767$69,554
2 years$36,793$36,107$35,443$34,799$34,175$31,964
3 years$24,285$23,597$22,934$22,296$21,682$19,543
4 years$18,032$17,346$16,690$16,063$15,464$13,413
5 years$14,281$13,599$12,952$12,338$11,755$9,799
6 years$11,782$11,105$10,467$9,867$9,302$7,441
7 years$9,997$9,326$8,698$8,112$7,565$5,800
8 years$8,659$7,994$7,377$6,805$6,276$4,605
9 years$7,619$6,960$6,354$5,796$5,285$3,707
10 years$6,787$6,135$5,539$4,997$4,503$3,016
11 years$6,108$5,462$4,877$4,348$3,873$2,473
12 years$5,541$4,902$4,328$3,814$3,356$2,041
13 years$5,063$4,430$3,867$3,367$2,927$1,694
14 years$4,653$4,027$3,474$2,989$2,565$1,411
15 years$4,298$3,679$3,137$2,666$2,259$1,179
16 years$3,987$3,375$2,844$2,387$1,996$989
17 years$3,714$3,108$2,588$2,145$1,770$831
18 years$3,471$2,872$2,362$1,933$1,574$699
19 years$3,254$2,662$2,163$1,746$1,403$590
20 years$3,059$2,474$1,985$1,582$1,253$498
21 years$2,883$2,304$1,826$1,436$1,121$421
22 years$2,722$2,151$1,683$1,305$1,005$356
23 years$2,577$2,012$1,554$1,189$902$301
24 years$2,443$1,885$1,437$1,084$811$255
25 years$2,320$1,769$1,331$990$730$216
26 years$2,207$1,662$1,234$905$657$184
27 years$2,103$1,564$1,146$829$593$156
28 years$2,006$1,474$1,065$759$535$132
29 years$1,916$1,391$991$696$483$112
30 years$1,832$1,313$924$639$436$95
31 years$1,754$1,242$861$587$394$81
32 years$1,680$1,175$803$539$357$69
33 years$1,612$1,113$750$496$323$58
34 years$1,547$1,054$701$456$292$50
35 years$1,487$1,000$655$420$265$42
36 years$1,429$949$613$387$240$36
37 years$1,375$902$574$356$217$30
38 years$1,324$857$537$329$197$26
39 years$1,276$815$503$303$179$22
40 years$1,230$775$472$279$162$19
41 years$1,187$738$442$258$147$16
42 years$1,146$703$415$238$133$14
43 years$1,107$670$389$220$121$12
44 years$1,069$638$366$203$110$10
45 years$1,034$609$343$187$100$8
46 years$1,000$581$322$173$91$7
47 years$968$554$303$160$82$6
48 years$937$529$285$148$75$5
49 years$907$505$267$136$68$4
50 years$879$482$251$126$62$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $900,000, adding $4,812 every year, while hoping to spend $52,925 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: 46/32/22 Blend
34$900,000$900,000$900,000$900,000
35$996,764$949,064$935,114$1,036,131
36$1,042,122$939,256$910,128$1,054,438
37$1,090,332$927,194$882,532$1,068,677
38$1,141,631$912,711$852,181$1,083,047
39$1,196,275$895,631$818,927$1,097,585
40$1,254,545$875,768$782,611$1,112,335
41$1,316,752$852,923$743,071$1,127,350
42$1,383,231$826,887$700,135$1,142,693
43$1,454,355$797,439$653,624$1,158,436
44$1,530,530$764,344$603,351$1,174,665
45$1,612,202$727,354$549,121$1,191,478
46$1,699,858$686,207$490,729$1,208,988
47$1,794,037$640,625$427,962$1,227,326
48$1,895,328$590,314$360,597$1,246,642
49$2,004,376$534,964$288,402$1,267,106
50$2,121,893$474,247$211,133$1,288,913
51$2,248,658$407,817$128,538$1,312,285
52$2,385,528$335,308$40,352$1,337,475
53$2,533,446$256,332$0$1,364,765
54$2,693,446$170,481$0$1,407,099
55$2,866,666$77,323$0$1,463,148
56$3,054,357$0$0$1,523,912
57$3,257,894$0$0$1,598,235
58$3,478,790$0$0$1,708,534
59$3,718,707$0$0$1,828,423
60$3,979,476$0$0$1,958,827
61$4,263,110$0$0$2,100,765
62$4,571,823$0$0$2,255,359
63$4,908,051$0$0$2,423,841
64$5,274,477$0$0$2,607,569
65$5,674,051$0$0$2,808,037
66$6,110,021$0$0$3,026,889
67$6,585,963$0$0$3,265,935
68$7,105,811$0$0$3,527,169
69$7,673,899$0$0$3,812,784
70$8,294,995$0$0$4,125,196
71$8,974,351$0$0$4,467,065
72$9,717,749$0$0$4,841,319
73$10,531,557$0$0$5,251,183
74$11,422,784$0$0$5,700,208
75$12,399,153$0$0$6,192,307
76$13,469,165$0$0$6,731,786
77$14,642,186$0$0$7,323,389
78$15,928,528$0$0$7,972,343
79$17,339,552$0$0$8,684,401
80$18,887,769$0$0$9,465,904
81$20,586,961$0$0$10,323,835
82$22,452,309$0$0$11,265,886
83$24,500,535$0$0$12,300,530
84$26,750,059$0$0$13,437,102
85$29,221,175$0$0$14,685,884
86$31,936,237$0$0$16,058,206
87$34,919,873$0$0$17,566,546
88$38,199,212$0$0$19,224,656
89$41,804,146$0$0$21,047,681
90$45,767,604$0$0$23,052,311
91$50,125,867$0$0$25,256,934
92$54,918,907$0$0$27,681,806
93$60,190,763$0$0$30,349,248
94$65,989,958$0$0$33,283,853
95$72,369,952$0$0$36,512,714
96$79,389,650$0$0$40,065,688
97$87,113,953$0$0$43,975,669
98$95,614,372$0$0$48,278,900
99$104,969,699$0$0$53,015,320
100$115,266,753$0$0$58,228,931