Can I retire at age 35 with 999,000?

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 $999,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$82,496$81,762$81,045$80,345$79,662$78,536
2 years$40,840$40,079$39,342$38,627$37,934$36,802
3 years$26,956$26,192$25,457$24,749$24,067$22,964
4 years$20,016$19,254$18,526$17,830$17,165$16,099
5 years$15,852$15,095$14,377$13,695$13,048$12,023
6 years$13,078$12,327$11,619$10,952$10,325$9,342
7 years$11,097$10,352$9,655$9,004$8,397$7,456
8 years$9,612$8,873$8,188$7,554$6,966$6,067
9 years$8,457$7,726$7,053$6,434$5,866$5,009
10 years$7,534$6,810$6,149$5,546$4,998$4,182
11 years$6,779$6,063$5,413$4,827$4,299$3,522
12 years$6,151$5,441$4,804$4,234$3,725$2,988
13 years$5,620$4,917$4,292$3,738$3,248$2,549
14 years$5,164$4,470$3,857$3,318$2,848$2,185
15 years$4,770$4,083$3,482$2,959$2,507$1,881
16 years$4,426$3,746$3,157$2,650$2,216$1,624
17 years$4,122$3,450$2,873$2,381$1,965$1,407
18 years$3,853$3,188$2,622$2,145$1,747$1,221
19 years$3,612$2,955$2,401$1,939$1,557$1,062
20 years$3,395$2,746$2,203$1,756$1,391$926
21 years$3,200$2,558$2,026$1,593$1,245$808
22 years$3,022$2,387$1,868$1,449$1,116$706
23 years$2,860$2,233$1,725$1,319$1,001$618
24 years$2,712$2,092$1,595$1,203$900$541
25 years$2,576$1,963$1,477$1,099$810$474
26 years$2,450$1,845$1,370$1,005$730$416
27 years$2,334$1,736$1,272$920$658$365
28 years$2,227$1,636$1,183$843$594$321
29 years$2,127$1,544$1,101$773$536$282
30 years$2,034$1,458$1,025$709$484$248
31 years$1,947$1,378$956$651$438$218
32 years$1,865$1,304$892$599$396$192
33 years$1,789$1,235$833$550$358$169
34 years$1,717$1,170$778$507$325$148
35 years$1,650$1,110$727$466$294$131
36 years$1,587$1,054$680$429$266$115
37 years$1,527$1,001$637$396$241$101
38 years$1,470$951$596$365$219$89
39 years$1,417$904$559$336$198$79
40 years$1,366$860$524$310$180$69
41 years$1,318$819$491$286$163$61
42 years$1,272$780$461$264$148$54
43 years$1,228$743$432$244$134$47
44 years$1,187$708$406$225$122$42
45 years$1,147$676$381$208$111$37
46 years$1,110$644$358$192$101$32
47 years$1,074$615$336$177$91$29
48 years$1,040$587$316$164$83$25
49 years$1,007$561$297$151$75$22
50 years$975$536$279$140$68$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $999,000, adding $6,791 every year, while hoping to spend $40,856 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: 33/42/25 Blend
34$999,000$999,000$999,000$999,000
35$1,107,903$1,054,956$1,039,471$1,135,827
36$1,177,439$1,063,178$1,030,823$1,165,663
37$1,252,697$1,070,434$1,020,516$1,193,651
38$1,334,220$1,076,633$1,008,451$1,223,000
39$1,422,602$1,081,679$994,525$1,253,857
40$1,518,495$1,085,469$978,630$1,286,387
41$1,622,619$1,087,895$960,651$1,320,773
42$1,735,765$1,088,841$940,472$1,357,223
43$1,858,803$1,088,183$917,967$1,395,966
44$1,992,689$1,085,792$893,007$1,437,259
45$2,138,476$1,081,529$865,456$1,481,389
46$2,297,324$1,075,247$835,172$1,528,676
47$2,470,506$1,066,790$802,006$1,579,478
48$2,659,428$1,055,993$765,803$1,634,190
49$2,865,632$1,042,679$726,400$1,693,257
50$3,090,820$1,026,664$683,628$1,757,170
51$3,336,864$1,007,750$637,309$1,826,478
52$3,605,823$985,730$587,259$1,901,790
53$3,899,968$960,381$533,282$1,983,785
54$4,221,795$931,470$475,177$2,073,215
55$4,574,055$898,749$412,733$2,170,918
56$4,959,777$861,956$345,728$2,277,822
57$5,382,297$820,815$273,933$2,394,959
58$5,845,288$775,031$197,106$2,523,473
59$6,352,794$724,295$114,996$2,664,634
60$6,909,272$668,278$27,341$2,819,850
61$7,519,628$606,634$0$2,990,682
62$8,189,267$538,995$0$3,196,520
63$8,924,142$464,976$0$3,430,552
64$9,730,811$384,166$0$3,687,683
65$10,616,497$296,134$0$3,970,348
66$11,589,157$200,422$0$4,281,237
67$12,657,556$96,548$0$4,623,327
68$13,831,350$0$0$4,999,903
69$15,121,178$0$0$5,421,989
70$16,538,757$0$0$5,935,081
71$18,096,999$0$0$6,499,250
72$19,810,127$0$0$7,119,666
73$21,693,811$0$0$7,802,026
74$23,765,318$0$0$8,552,605
75$26,043,669$0$0$9,378,319
76$28,549,822$0$0$10,286,785
77$31,306,867$0$0$11,286,400
78$34,340,248$0$0$12,386,411
79$37,677,996$0$0$13,597,011
80$41,350,998$0$0$14,929,429
81$45,393,287$0$0$16,396,037
82$49,842,361$0$0$18,010,469
83$54,739,537$0$0$19,787,747
84$60,130,342$0$0$21,744,424
85$66,064,942$0$0$23,898,739
86$72,598,613$0$0$26,270,791
87$79,792,261$0$0$28,882,725
88$87,713,003$0$0$31,758,944
89$96,434,791$0$0$34,926,339
90$106,039,115$0$0$38,414,538
91$116,615,772$0$0$42,256,195
92$128,263,709$0$0$46,487,286
93$141,091,959$0$0$51,147,459
94$155,220,670$0$0$56,280,402
95$170,782,234$0$0$61,934,255
96$187,922,544$0$0$68,162,069
97$206,802,361$0$0$75,022,301
98$227,598,839$0$0$82,579,370
99$250,507,191$0$0$90,904,261
100$275,742,533$0$0$100,075,197