Can I retire at age 35 with 891,000?

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 $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%14.7%
1 years$73,578$72,923$72,283$71,659$71,050$69,672
2 years$36,425$35,746$35,089$34,451$33,833$32,451
3 years$24,042$23,361$22,705$22,073$21,465$20,121
4 years$17,852$17,173$16,523$15,903$15,309$14,014
5 years$14,139$13,463$12,823$12,215$11,638$10,395
6 years$11,664$10,994$10,363$9,768$9,209$8,020
7 years$9,897$9,233$8,611$8,031$7,489$6,354
8 years$8,573$7,914$7,303$6,737$6,213$5,132
9 years$7,543$6,891$6,290$5,738$5,232$4,204
10 years$6,720$6,074$5,484$4,947$4,458$3,482
11 years$6,046$5,407$4,828$4,305$3,834$2,909
12 years$5,486$4,853$4,285$3,776$3,323$2,447
13 years$5,012$4,386$3,828$3,334$2,897$2,070
14 years$4,606$3,987$3,440$2,959$2,540$1,759
15 years$4,255$3,642$3,105$2,639$2,236$1,501
16 years$3,947$3,341$2,816$2,363$1,976$1,284
17 years$3,677$3,077$2,562$2,123$1,752$1,102
18 years$3,436$2,843$2,339$1,913$1,558$948
19 years$3,221$2,635$2,141$1,729$1,389$817
20 years$3,028$2,449$1,965$1,566$1,240$705
21 years$2,854$2,281$1,807$1,421$1,110$609
22 years$2,695$2,129$1,666$1,292$995$527
23 years$2,551$1,991$1,538$1,177$893$456
24 years$2,419$1,866$1,422$1,073$803$396
25 years$2,297$1,751$1,317$980$722$343
26 years$2,185$1,646$1,222$896$651$298
27 years$2,082$1,549$1,135$820$587$259
28 years$1,986$1,459$1,055$752$529$225
29 years$1,897$1,377$982$689$478$196
30 years$1,814$1,300$914$633$432$170
31 years$1,736$1,229$852$581$391$148
32 years$1,664$1,163$795$534$353$129
33 years$1,596$1,101$743$491$320$112
34 years$1,532$1,044$694$452$289$98
35 years$1,472$990$649$416$262$85
36 years$1,415$940$607$383$238$74
37 years$1,362$893$568$353$215$64
38 years$1,311$848$532$325$195$56
39 years$1,263$807$498$300$177$49
40 years$1,218$767$467$277$161$43
41 years$1,175$730$438$255$146$37
42 years$1,134$696$411$236$132$32
43 years$1,096$663$385$217$120$28
44 years$1,059$632$362$201$109$25
45 years$1,023$603$340$185$99$21
46 years$990$575$319$171$90$19
47 years$958$549$300$158$81$16
48 years$927$524$282$146$74$14
49 years$898$500$265$135$67$12
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 $2,782 every year, while hoping to spend $25,683 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: 69/20/11 Blend
34$891,000$891,000$891,000$891,000
35$984,752$937,529$923,718$1,050,251
36$1,057,870$956,141$927,336$1,112,697
37$1,137,585$974,805$930,215$1,177,626
38$1,224,544$993,495$932,302$1,247,981
39$1,319,456$1,012,185$933,543$1,324,289
40$1,423,105$1,030,846$933,881$1,407,135
41$1,536,351$1,049,448$933,255$1,497,158
42$1,660,144$1,067,955$931,604$1,595,067
43$1,795,526$1,086,333$928,860$1,701,640
44$1,943,648$1,104,541$924,955$1,817,734
45$2,105,775$1,122,539$919,816$1,944,297
46$2,283,301$1,140,280$913,367$2,082,369
47$2,477,761$1,157,717$905,529$2,233,098
48$2,690,845$1,174,798$896,216$2,397,749
49$2,924,415$1,191,467$885,343$2,577,717
50$3,180,521$1,207,664$872,818$2,774,537
51$3,461,421$1,223,326$858,544$2,989,902
52$3,769,602$1,238,385$842,421$3,225,678
53$4,107,803$1,252,768$824,344$3,483,921
54$4,479,043$1,266,397$804,203$3,766,896
55$4,886,645$1,279,190$781,884$4,077,101
56$5,334,270$1,291,058$757,264$4,417,288
57$5,825,953$1,301,907$730,220$4,790,489
58$6,366,136$1,311,637$700,618$5,200,048
59$6,959,715$1,320,140$668,322$5,649,649
60$7,612,083$1,327,304$633,187$6,143,352
61$8,329,180$1,333,006$595,064$6,685,632
62$9,117,551$1,337,118$553,794$7,281,422
63$9,984,409$1,339,505$509,213$7,936,158
64$10,937,698$1,340,019$461,151$8,655,830
65$11,986,170$1,338,508$409,427$9,447,042
66$13,139,471$1,334,806$353,854$10,317,072
67$14,408,226$1,328,740$294,237$11,273,941
68$15,804,143$1,320,126$230,371$12,326,489
69$17,340,120$1,308,768$162,044$13,484,460
70$19,030,373$1,294,457$89,032$14,758,592
71$20,890,560$1,276,975$11,104$16,160,721
72$22,937,937$1,256,087$0$17,703,892
73$25,191,518$1,231,546$0$19,410,938
74$27,672,252$1,203,092$0$21,291,188
75$30,403,225$1,170,446$0$23,360,832
76$33,409,871$1,133,314$0$25,639,149
77$36,720,218$1,091,388$0$28,147,386
78$40,365,151$1,044,337$0$30,908,958
79$44,378,701$991,813$0$33,949,667
80$48,798,366$933,450$0$37,297,950
81$53,665,468$868,857$0$40,985,145
82$59,025,539$797,624$0$45,045,787
83$64,928,752$719,316$0$49,517,936
84$71,430,395$633,473$0$54,443,535
85$78,591,391$539,609$0$59,868,807
86$86,478,874$437,211$0$65,844,691
87$95,166,822$325,738$0$72,427,325
88$104,736,755$204,615$0$79,678,574
89$115,278,503$73,240$0$87,666,617
90$126,891,054$0$0$96,466,589
91$139,683,492$0$0$106,176,483
92$153,776,019$0$0$116,891,023
93$169,301,096$0$0$128,694,809
94$186,404,687$0$0$141,698,830
95$205,247,644$0$0$156,025,391
96$226,007,217$0$0$171,809,270
97$248,878,733$0$0$189,198,987
98$274,077,435$0$0$208,358,208
99$301,840,516$0$0$229,467,289
100$332,429,358$0$0$252,724,977