Can I retire at age 35 with 904,000?

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 $904,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$74,651$73,987$73,338$72,705$72,086$69,807
2 years$36,956$36,268$35,601$34,954$34,327$32,051
3 years$24,393$23,701$23,036$22,395$21,778$19,577
4 years$18,112$17,423$16,764$16,135$15,532$13,423
5 years$14,345$13,660$13,010$12,393$11,808$9,796
6 years$11,834$11,154$10,514$9,911$9,343$7,431
7 years$10,042$9,367$8,737$8,148$7,598$5,785
8 years$8,698$8,030$7,410$6,835$6,304$4,588
9 years$7,653$6,991$6,382$5,822$5,308$3,689
10 years$6,818$6,162$5,564$5,019$4,523$2,997
11 years$6,135$5,486$4,898$4,368$3,890$2,455
12 years$5,566$4,924$4,347$3,831$3,371$2,023
13 years$5,085$4,450$3,884$3,382$2,940$1,676
14 years$4,673$4,045$3,490$3,002$2,577$1,395
15 years$4,317$3,695$3,151$2,678$2,269$1,164
16 years$4,005$3,390$2,857$2,398$2,005$975
17 years$3,730$3,122$2,599$2,154$1,778$818
18 years$3,486$2,885$2,373$1,941$1,581$687
19 years$3,268$2,674$2,172$1,754$1,409$579
20 years$3,072$2,485$1,994$1,589$1,259$488
21 years$2,895$2,314$1,834$1,442$1,126$412
22 years$2,735$2,160$1,690$1,311$1,010$348
23 years$2,588$2,021$1,561$1,194$906$294
24 years$2,454$1,893$1,443$1,089$815$249
25 years$2,331$1,777$1,337$995$733$210
26 years$2,217$1,670$1,240$909$660$178
27 years$2,112$1,571$1,151$832$595$151
28 years$2,015$1,481$1,070$763$537$128
29 years$1,924$1,397$996$699$485$108
30 years$1,840$1,319$928$642$438$92
31 years$1,762$1,247$865$589$396$78
32 years$1,688$1,180$807$542$358$66
33 years$1,619$1,117$753$498$324$56
34 years$1,554$1,059$704$458$294$48
35 years$1,493$1,005$658$422$266$40
36 years$1,436$953$616$389$241$34
37 years$1,382$906$576$358$218$29
38 years$1,330$861$540$330$198$25
39 years$1,282$818$506$304$180$21
40 years$1,236$779$474$281$163$18
41 years$1,192$741$444$259$148$15
42 years$1,151$706$417$239$134$13
43 years$1,112$673$391$221$122$11
44 years$1,074$641$367$204$110$9
45 years$1,038$611$345$188$100$8
46 years$1,004$583$324$174$91$7
47 years$972$557$304$161$83$6
48 years$941$531$286$148$75$5
49 years$911$507$269$137$68$4
50 years$883$485$253$127$62$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $904,000, adding $5,278 every year, while hoping to spend $27,542 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: 66/13/21 Blend
34$904,000$904,000$904,000$904,000
35$1,001,652$953,740$939,728$1,062,098
36$1,074,516$971,169$941,905$1,120,747
37$1,153,889$988,529$943,231$1,181,207
38$1,240,406$1,005,787$943,649$1,246,653
39$1,334,766$1,022,909$943,100$1,317,578
40$1,437,737$1,039,856$941,519$1,394,521
41$1,550,166$1,056,589$938,839$1,478,077
42$1,672,985$1,073,064$934,993$1,568,905
43$1,807,220$1,089,234$929,905$1,667,727
44$1,954,000$1,105,050$923,500$1,775,342
45$2,114,568$1,120,458$915,698$1,892,630
46$2,290,294$1,135,400$906,413$2,020,560
47$2,482,685$1,149,816$895,560$2,160,202
48$2,693,402$1,163,640$883,044$2,312,734
49$2,924,272$1,176,802$868,769$2,479,456
50$3,177,310$1,189,227$852,635$2,661,799
51$3,454,732$1,200,836$834,535$2,861,344
52$3,758,982$1,211,544$814,359$3,079,831
53$4,092,749$1,221,261$791,991$3,319,179
54$4,458,997$1,229,889$767,310$3,581,505
55$4,860,988$1,237,328$740,189$3,869,140
56$5,302,319$1,243,467$710,495$4,184,655
57$5,786,949$1,248,190$678,090$4,530,886
58$6,319,240$1,251,374$642,828$4,910,956
59$6,903,999$1,252,888$604,560$5,328,311
60$7,546,520$1,252,592$563,125$5,786,748
61$8,252,635$1,250,339$518,359$6,290,454
62$9,028,769$1,245,971$470,090$6,844,041
63$9,882,001$1,239,321$418,135$7,452,598
64$10,820,130$1,230,213$362,308$8,121,732
65$11,851,748$1,218,458$302,411$8,857,624
66$12,986,323$1,203,859$238,238$9,667,087
67$14,234,284$1,186,204$169,574$10,557,632
68$15,607,122$1,165,269$96,196$11,537,540
69$17,117,499$1,140,818$17,870$12,615,934
70$18,779,366$1,112,601$0$13,802,876
71$20,608,094$1,080,351$0$15,124,179
72$22,620,619$1,043,787$0$16,582,570
73$24,835,602$1,002,613$0$18,187,572
74$27,273,606$956,513$0$19,954,098
75$29,957,286$905,154$0$21,898,580
76$32,911,607$848,185$0$24,039,126
77$36,164,078$785,232$0$26,395,693
78$39,745,008$715,903$0$28,990,272
79$43,687,797$639,781$0$31,847,098
80$48,029,248$556,426$0$34,992,877
81$52,809,914$465,373$0$38,457,041
82$58,074,480$366,132$0$42,272,024
83$63,872,188$258,183$0$46,473,568
84$70,257,297$140,979$0$51,101,062
85$77,289,596$13,942$0$56,197,912
86$85,034,971$0$0$61,811,955
87$93,566,021$0$0$68,013,577
88$102,962,750$0$0$74,846,782
89$113,313,314$0$0$82,373,691
90$124,714,859$0$0$90,664,961
91$137,274,435$0$0$99,798,448
92$151,110,005$0$0$109,859,949
93$166,351,561$0$0$120,944,008
94$183,142,349$0$0$133,154,809
95$201,640,219$0$0$146,607,159
96$222,019,118$0$0$161,427,571
97$244,470,730$0$0$177,755,460
98$269,206,285$0$0$195,744,454
99$296,458,553$0$0$215,563,851
100$326,484,038$0$0$237,400,211