Can I retire at age 35 with 909,000?

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 $909,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$75,064$74,396$73,743$73,107$72,485$71,639
2 years$37,161$36,468$35,798$35,147$34,517$33,665
3 years$24,528$23,833$23,164$22,519$21,899$21,068
4 years$18,212$17,519$16,857$16,224$15,618$14,815
5 years$14,424$13,735$13,082$12,462$11,873$11,099
6 years$11,900$11,216$10,572$9,966$9,395$8,651
7 years$10,097$9,419$8,785$8,193$7,640$6,928
8 years$8,746$8,074$7,451$6,873$6,338$5,657
9 years$7,695$7,030$6,417$5,854$5,338$4,687
10 years$6,855$6,196$5,595$5,047$4,548$3,927
11 years$6,169$5,516$4,926$4,392$3,912$3,320
12 years$5,597$4,951$4,371$3,852$3,390$2,827
13 years$5,113$4,474$3,905$3,401$2,956$2,422
14 years$4,699$4,067$3,509$3,019$2,591$2,084
15 years$4,341$3,715$3,168$2,692$2,281$1,801
16 years$4,027$3,409$2,872$2,411$2,016$1,562
17 years$3,751$3,139$2,614$2,166$1,788$1,359
18 years$3,506$2,901$2,386$1,952$1,590$1,185
19 years$3,286$2,689$2,184$1,764$1,417$1,035
20 years$3,089$2,498$2,005$1,598$1,266$906
21 years$2,911$2,327$1,844$1,450$1,133$794
22 years$2,750$2,172$1,699$1,318$1,015$697
23 years$2,602$2,032$1,569$1,201$911$613
24 years$2,467$1,904$1,451$1,095$819$539
25 years$2,344$1,786$1,344$1,000$737$475
26 years$2,229$1,679$1,247$914$664$419
27 years$2,124$1,580$1,158$837$599$369
28 years$2,026$1,489$1,076$767$540$326
29 years$1,935$1,405$1,001$703$488$288
30 years$1,850$1,326$933$645$441$254
31 years$1,771$1,254$870$593$398$225
32 years$1,697$1,187$811$545$360$199
33 years$1,628$1,124$758$501$326$176
34 years$1,563$1,065$708$461$295$155
35 years$1,501$1,010$662$424$267$137
36 years$1,444$959$619$391$242$122
37 years$1,389$911$579$360$220$108
38 years$1,338$865$543$332$199$95
39 years$1,289$823$508$306$181$84
40 years$1,243$783$476$282$164$75
41 years$1,199$745$447$260$149$66
42 years$1,157$710$419$240$135$59
43 years$1,118$676$393$222$122$52
44 years$1,080$645$369$205$111$46
45 years$1,044$615$347$189$101$41
46 years$1,010$586$326$175$92$36
47 years$977$560$306$161$83$32
48 years$946$534$287$149$75$28
49 years$916$510$270$138$69$25
50 years$888$487$254$127$62$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $909,000, adding $2,826 every year, while hoping to spend $49,739 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: 22/48/30 Blend
34$909,000$909,000$909,000$909,000
35$1,004,633$956,456$942,367$1,017,175
36$1,054,184$950,400$921,014$1,022,646
37$1,107,121$942,381$897,279$1,024,177
38$1,163,739$932,249$871,029$1,024,760
39$1,224,359$919,847$842,127$1,024,349
40$1,289,331$905,008$810,426$1,022,903
41$1,359,044$887,554$775,776$1,020,379
42$1,433,921$867,299$738,019$1,016,735
43$1,514,427$844,043$696,989$1,011,934
44$1,601,074$817,576$652,513$1,005,941
45$1,694,422$787,676$604,411$998,722
46$1,795,088$754,107$552,493$990,251
47$1,903,748$716,619$496,564$980,506
48$2,021,147$674,951$436,415$969,469
49$2,148,102$628,821$371,833$957,133
50$2,285,512$577,937$302,593$943,497
51$2,434,364$521,985$228,460$928,571
52$2,595,745$460,638$149,188$912,377
53$2,770,848$393,547$64,523$894,950
54$2,960,987$320,343$0$876,341
55$3,167,607$240,639$0$864,886
56$3,392,297$154,025$0$874,984
57$3,636,806$60,067$0$886,166
58$3,903,058$0$0$898,665
59$4,193,168$0$0$934,774
60$4,509,468$0$0$1,008,881
61$4,854,522$0$0$1,089,877
62$5,231,151$0$0$1,178,445
63$5,642,463$0$0$1,275,335
64$6,091,877$0$0$1,381,373
65$6,583,159$0$0$1,497,470
66$7,120,453$0$0$1,624,628
67$7,708,325$0$0$1,763,949
68$8,351,800$0$0$1,916,650
69$9,056,411$0$0$2,084,069
70$9,828,254$0$0$2,267,680
71$10,674,040$0$0$2,469,107
72$11,601,159$0$0$2,690,139
73$12,617,754$0$0$2,932,745
74$13,732,790$0$0$3,199,096
75$14,956,141$0$0$3,491,581
76$16,298,687$0$0$3,812,835
77$17,772,409$0$0$4,165,758
78$19,390,505$0$0$4,553,545
79$21,167,514$0$0$4,979,717
80$23,119,452$0$0$5,448,153
81$25,263,962$0$0$5,963,124
82$27,620,482$0$0$6,529,340
83$30,210,424$0$0$7,151,986
84$33,057,379$0$0$7,836,777
85$36,187,336$0$0$8,590,007
86$39,628,929$0$0$9,418,615
87$43,413,705$0$0$10,330,242
88$47,576,421$0$0$11,333,309
89$52,155,370$0$0$12,437,094
90$57,192,747$0$0$13,651,821
91$62,735,038$0$0$14,988,753
92$68,833,465$0$0$16,460,303
93$75,544,464$0$0$18,080,145
94$82,930,220$0$0$19,863,350
95$91,059,249$0$0$21,826,521
96$100,007,050$0$0$23,987,954
97$109,856,808$0$0$26,367,811
98$120,700,186$0$0$28,988,304
99$132,638,185$0$0$31,873,914
100$145,782,098$0$0$35,051,613