Can I retire at age 35 with 891,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $891,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$73,578$72,923$72,283$71,659$71,050$69,701
2 years$36,425$35,746$35,089$34,451$33,833$32,479
3 years$24,042$23,361$22,705$22,073$21,465$20,149
4 years$17,852$17,173$16,523$15,903$15,309$14,040
5 years$14,139$13,463$12,823$12,215$11,638$10,420
6 years$11,664$10,994$10,363$9,768$9,209$8,043
7 years$9,897$9,233$8,611$8,031$7,489$6,376
8 years$8,573$7,914$7,303$6,737$6,213$5,153
9 years$7,543$6,891$6,290$5,738$5,232$4,224
10 years$6,720$6,074$5,484$4,947$4,458$3,501
11 years$6,046$5,407$4,828$4,305$3,834$2,926
12 years$5,486$4,853$4,285$3,776$3,323$2,463
13 years$5,012$4,386$3,828$3,334$2,897$2,085
14 years$4,606$3,987$3,440$2,959$2,540$1,773
15 years$4,255$3,642$3,105$2,639$2,236$1,514
16 years$3,947$3,341$2,816$2,363$1,976$1,296
17 years$3,677$3,077$2,562$2,123$1,752$1,113
18 years$3,436$2,843$2,339$1,913$1,558$958
19 years$3,221$2,635$2,141$1,729$1,389$826
20 years$3,028$2,449$1,965$1,566$1,240$713
21 years$2,854$2,281$1,807$1,421$1,110$617
22 years$2,695$2,129$1,666$1,292$995$534
23 years$2,551$1,991$1,538$1,177$893$463
24 years$2,419$1,866$1,422$1,073$803$402
25 years$2,297$1,751$1,317$980$722$349
26 years$2,185$1,646$1,222$896$651$303
27 years$2,082$1,549$1,135$820$587$263
28 years$1,986$1,459$1,055$752$529$229
29 years$1,897$1,377$982$689$478$199
30 years$1,814$1,300$914$633$432$174
31 years$1,736$1,229$852$581$391$151
32 years$1,664$1,163$795$534$353$132
33 years$1,596$1,101$743$491$320$115
34 years$1,532$1,044$694$452$289$100
35 years$1,472$990$649$416$262$87
36 years$1,415$940$607$383$238$76
37 years$1,362$893$568$353$215$66
38 years$1,311$848$532$325$195$58
39 years$1,263$807$498$300$177$50
40 years$1,218$767$467$277$161$44
41 years$1,175$730$438$255$146$38
42 years$1,134$696$411$236$132$33
43 years$1,096$663$385$217$120$29
44 years$1,059$632$362$201$109$25
45 years$1,023$603$340$185$99$22
46 years$990$575$319$171$90$19
47 years$958$549$300$158$81$17
48 years$927$524$282$146$74$15
49 years$898$500$265$135$67$13
50 years$870$478$249$125$61$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $891,000, adding $5,944 every year, while hoping to spend $31,188 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: 50/38/12 Blend
34$891,000$891,000$891,000$891,000
35$988,013$940,790$926,980$1,033,926
36$1,055,607$953,705$924,850$1,078,949
37$1,129,050$966,208$921,603$1,124,074
38$1,208,905$978,245$917,170$1,172,402
39$1,295,794$989,759$911,475$1,224,243
40$1,390,399$1,000,691$904,443$1,279,940
41$1,493,469$1,010,974$895,992$1,339,871
42$1,605,832$1,020,541$886,037$1,404,452
43$1,728,398$1,029,318$874,489$1,474,144
44$1,862,166$1,037,226$861,256$1,549,457
45$2,008,238$1,044,182$846,240$1,630,952
46$2,167,829$1,050,097$829,339$1,719,250
47$2,342,272$1,054,877$810,447$1,815,036
48$2,533,038$1,058,420$789,451$1,919,064
49$2,741,746$1,060,620$766,236$2,032,172
50$2,970,177$1,061,364$740,678$2,155,280
51$3,220,295$1,060,531$712,650$2,289,405
52$3,494,260$1,057,992$682,020$2,435,672
53$3,794,453$1,053,612$648,646$2,595,320
54$4,123,495$1,047,247$612,383$2,769,718
55$4,484,272$1,038,742$573,078$2,960,376
56$4,879,965$1,027,937$530,573$3,168,962
57$5,314,074$1,014,659$484,700$3,397,317
58$5,790,457$998,725$435,285$3,647,472
59$6,313,363$979,942$382,147$3,921,669
60$6,887,473$958,106$325,095$4,222,380
61$7,517,942$932,999$263,932$4,552,337
62$8,210,448$904,393$198,450$4,914,551
63$8,971,249$872,044$128,434$5,312,346
64$9,807,237$835,694$53,657$5,749,390
65$10,726,004$795,072$0$6,229,728
66$11,735,917$749,891$0$6,761,173
67$12,846,190$699,845$0$7,352,850
68$14,066,977$644,613$0$8,003,350
69$15,409,464$583,855$0$8,718,699
70$16,885,976$517,210$0$9,505,544
71$18,510,092$444,300$0$10,371,217
72$20,296,773$364,722$0$11,323,801
73$22,262,502$278,052$0$12,372,209
74$24,425,443$183,842$0$13,526,270
75$26,805,607$81,619$0$14,796,821
76$29,425,044$0$0$16,195,813
77$32,308,050$0$0$17,748,597
78$35,481,394$0$0$19,495,435
79$38,974,574$0$0$21,418,451
80$42,820,091$0$0$23,535,550
81$47,053,760$0$0$25,866,465
82$51,715,043$0$0$28,432,936
83$56,847,423$0$0$31,258,923
84$62,498,815$0$0$34,370,824
85$68,722,018$0$0$37,797,729
86$75,575,210$0$0$41,571,693
87$83,122,498$0$0$45,728,036
88$91,434,527$0$0$50,305,681
89$100,589,139$0$0$55,347,518
90$110,672,112$0$0$60,900,808
91$121,777,970$0$0$67,017,630
92$134,010,870$0$0$73,755,374
93$147,485,589$0$0$81,177,279
94$162,328,607$0$0$89,353,032
95$178,679,296$0$0$98,359,426
96$196,691,240$0$0$108,281,082
97$216,533,683$0$0$119,211,251
98$238,393,122$0$0$131,252,689
99$262,475,074$0$0$144,518,634
100$289,006,010$0$0$159,133,868