Can I retire at age 35 with 902,000?

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 $902,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$74,486$73,823$73,176$72,544$71,927$69,128
2 years$36,874$36,188$35,522$34,877$34,251$31,465
3 years$24,339$23,649$22,985$22,346$21,730$19,044
4 years$18,072$17,385$16,727$16,099$15,498$12,933
5 years$14,313$13,630$12,981$12,366$11,781$9,344
6 years$11,808$11,130$10,491$9,889$9,322$7,014
7 years$10,019$9,347$8,718$8,130$7,581$5,402
8 years$8,678$8,012$7,393$6,820$6,290$4,236
9 years$7,636$6,976$6,368$5,809$5,297$3,367
10 years$6,803$6,149$5,552$5,008$4,513$2,703
11 years$6,121$5,474$4,888$4,358$3,881$2,186
12 years$5,554$4,913$4,338$3,823$3,364$1,780
13 years$5,074$4,440$3,875$3,375$2,933$1,455
14 years$4,663$4,036$3,482$2,996$2,571$1,195
15 years$4,307$3,687$3,144$2,672$2,264$984
16 years$3,996$3,383$2,850$2,392$2,001$812
17 years$3,722$3,115$2,594$2,149$1,774$672
18 years$3,479$2,879$2,368$1,937$1,577$557
19 years$3,261$2,668$2,168$1,750$1,406$462
20 years$3,066$2,479$1,989$1,585$1,256$384
21 years$2,889$2,309$1,830$1,439$1,124$319
22 years$2,729$2,156$1,686$1,308$1,007$266
23 years$2,582$2,016$1,557$1,191$904$221
24 years$2,448$1,889$1,440$1,087$813$184
25 years$2,325$1,773$1,334$992$731$154
26 years$2,212$1,666$1,237$907$659$128
27 years$2,107$1,568$1,149$830$594$107
28 years$2,010$1,477$1,068$761$536$89
29 years$1,920$1,394$994$698$484$74
30 years$1,836$1,316$926$640$437$62
31 years$1,758$1,244$863$588$395$52
32 years$1,684$1,177$805$541$358$43
33 years$1,615$1,115$752$497$324$36
34 years$1,551$1,057$702$457$293$30
35 years$1,490$1,002$657$421$265$25
36 years$1,433$951$614$388$240$21
37 years$1,379$904$575$357$218$18
38 years$1,327$859$538$329$198$15
39 years$1,279$817$504$304$179$12
40 years$1,233$777$473$280$163$10
41 years$1,190$740$443$258$147$9
42 years$1,148$704$416$238$134$7
43 years$1,109$671$390$220$121$6
44 years$1,072$640$366$203$110$5
45 years$1,036$610$344$188$100$4
46 years$1,002$582$323$173$91$3
47 years$970$555$304$160$82$3
48 years$939$530$285$148$75$2
49 years$909$506$268$137$68$2
50 years$881$484$252$126$62$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $902,000, adding $3,654 every year, while hoping to spend $25,432 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: 64/8/28 Blend
34$902,000$902,000$902,000$902,000
35$997,773$949,967$935,986$1,053,990
36$1,072,487$969,456$940,282$1,111,985
37$1,153,968$989,048$943,870$1,172,202
38$1,242,882$1,008,720$946,698$1,237,450
39$1,339,958$1,028,449$948,715$1,308,226
40$1,446,000$1,048,210$949,863$1,385,079
41$1,561,894$1,067,974$950,085$1,468,616
42$1,688,613$1,087,711$949,319$1,559,501
43$1,827,231$1,107,388$947,501$1,658,472
44$1,978,930$1,126,970$944,563$1,766,338
45$2,145,008$1,146,420$940,434$1,883,993
46$2,326,901$1,165,696$935,040$2,012,423
47$2,526,183$1,184,754$928,303$2,152,714
48$2,744,594$1,203,547$920,141$2,306,064
49$2,984,046$1,222,024$910,469$2,473,794
50$3,246,647$1,240,131$899,197$2,657,359
51$3,534,716$1,257,809$886,232$2,858,364
52$3,850,812$1,274,997$871,476$3,078,579
53$4,197,750$1,291,626$854,825$3,319,954
54$4,578,630$1,307,626$836,172$3,584,640
55$4,996,872$1,322,921$815,404$3,875,008
56$5,456,237$1,337,428$792,405$4,193,672
57$5,960,872$1,351,061$767,050$4,543,512
58$6,515,346$1,363,728$739,210$4,927,707
59$7,124,689$1,375,329$708,752$5,349,756
60$7,794,446$1,385,758$675,534$5,813,522
61$8,530,724$1,394,905$639,408$6,323,258
62$9,340,251$1,402,649$600,222$6,883,657
63$10,230,441$1,408,863$557,814$7,499,890
64$11,209,461$1,413,412$512,016$8,177,657
65$12,286,310$1,416,153$462,652$8,923,242
66$13,470,903$1,416,934$409,540$9,743,571
67$14,774,162$1,415,591$352,487$10,646,281
68$16,208,125$1,411,953$291,293$11,639,788
69$17,786,052$1,405,837$225,750$12,733,369
70$19,522,556$1,397,050$155,639$13,937,251
71$21,433,736$1,385,385$80,733$15,262,705
72$23,537,333$1,370,625$793$16,722,157
73$25,852,894$1,352,538$0$18,329,301
74$28,401,957$1,330,880$0$20,124,483
75$31,208,254$1,305,390$0$22,100,986
76$34,297,936$1,275,795$0$24,276,991
77$37,699,819$1,241,802$0$26,672,797
78$41,445,654$1,203,104$0$29,310,771
79$45,570,428$1,159,373$0$32,215,561
80$50,112,695$1,110,266$0$35,414,328
81$55,114,937$1,055,416$0$38,937,002
82$60,623,965$994,436$0$42,816,567
83$66,691,365$926,919$0$47,089,369
84$73,373,978$852,432$0$51,795,459
85$80,734,441$770,517$0$56,978,976
86$88,841,774$680,693$0$62,688,556
87$97,772,037$582,449$0$68,977,800
88$107,609,041$475,246$0$75,905,772
89$118,445,144$358,513$0$83,537,561
90$130,382,119$231,650$0$91,944,895
91$143,532,115$94,022$0$101,206,815
92$158,018,718$0$0$111,410,428
93$173,978,114$0$0$122,656,568
94$191,560,376$0$0$135,055,513
95$210,930,877$0$0$148,715,623
96$232,271,858$0$0$163,765,423
97$255,784,138$0$0$180,346,549
98$281,689,017$0$0$198,615,077
99$310,230,364$0$0$218,743,000
100$341,676,914$0$0$240,919,850