Can I retire at age 35 with 892,000?

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 $892,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$73,661$73,004$72,364$71,739$71,129$68,415
2 years$36,466$35,786$35,128$34,490$33,871$31,169
3 years$24,069$23,387$22,730$22,098$21,489$18,883
4 years$17,872$17,192$16,542$15,920$15,326$12,837
5 years$14,154$13,479$12,837$12,228$11,651$9,284
6 years$11,677$11,006$10,374$9,779$9,219$6,977
7 years$9,908$9,243$8,621$8,040$7,497$5,379
8 years$8,582$7,923$7,311$6,745$6,220$4,224
9 years$7,551$6,898$6,297$5,745$5,238$3,361
10 years$6,727$6,081$5,490$4,952$4,463$2,701
11 years$6,053$5,413$4,833$4,310$3,838$2,188
12 years$5,492$4,859$4,290$3,780$3,326$1,783
13 years$5,018$4,391$3,832$3,337$2,901$1,461
14 years$4,611$3,991$3,443$2,963$2,543$1,201
15 years$4,259$3,646$3,109$2,642$2,239$990
16 years$3,952$3,345$2,819$2,366$1,979$819
17 years$3,681$3,081$2,565$2,126$1,754$678
18 years$3,440$2,847$2,341$1,916$1,560$563
19 years$3,225$2,638$2,143$1,731$1,390$468
20 years$3,032$2,452$1,967$1,568$1,242$389
21 years$2,857$2,284$1,809$1,423$1,111$324
22 years$2,698$2,132$1,668$1,294$996$270
23 years$2,554$1,994$1,540$1,178$894$225
24 years$2,421$1,868$1,424$1,075$804$188
25 years$2,300$1,753$1,319$981$723$157
26 years$2,188$1,648$1,223$897$651$131
27 years$2,084$1,551$1,136$821$587$110
28 years$1,988$1,461$1,056$752$530$92
29 years$1,899$1,378$983$690$479$77
30 years$1,816$1,302$915$633$432$64
31 years$1,738$1,231$853$582$391$54
32 years$1,666$1,164$796$535$354$45
33 years$1,597$1,103$743$492$320$37
34 years$1,534$1,045$695$452$290$31
35 years$1,473$991$649$416$262$26
36 years$1,417$941$607$383$238$22
37 years$1,363$894$569$353$216$18
38 years$1,313$849$532$326$195$15
39 years$1,265$807$499$300$177$13
40 years$1,220$768$468$277$161$11
41 years$1,176$731$438$255$146$9
42 years$1,136$696$411$236$132$8
43 years$1,097$664$386$218$120$6
44 years$1,060$633$362$201$109$5
45 years$1,025$603$340$186$99$4
46 years$991$575$319$171$90$4
47 years$959$549$300$158$82$3
48 years$928$524$282$146$74$3
49 years$899$501$265$135$67$2
50 years$871$478$249$125$61$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $892,000, adding $4,806 every year, while hoping to spend $27,512 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: 73/12/15 Blend
34$892,000$892,000$892,000$892,000
35$987,941$940,665$926,839$1,056,430
36$1,059,439$957,485$928,616$1,119,262
37$1,137,307$974,208$929,530$1,184,229
38$1,222,167$990,798$929,523$1,254,664
39$1,314,701$1,007,220$928,536$1,331,102
40$1,415,661$1,023,435$926,503$1,414,133
41$1,525,876$1,039,401$923,358$1,504,407
42$1,646,256$1,055,072$919,031$1,602,642
43$1,777,804$1,070,400$913,448$1,709,626
44$1,921,624$1,085,334$906,533$1,826,229
45$2,078,932$1,099,818$898,204$1,953,410
46$2,251,066$1,113,792$888,377$2,092,225
47$2,439,501$1,127,194$876,964$2,243,839
48$2,645,860$1,139,956$863,872$2,409,533
49$2,871,929$1,152,005$849,003$2,590,722
50$3,119,677$1,163,265$832,255$2,788,965
51$3,391,271$1,173,652$813,524$3,005,977
52$3,689,101$1,183,081$792,696$3,243,652
53$4,015,794$1,191,457$769,657$3,504,076
54$4,374,248$1,198,681$744,283$3,789,547
55$4,767,652$1,204,648$716,448$4,102,599
56$5,199,522$1,209,245$686,018$4,446,024
57$5,673,728$1,212,352$652,854$4,822,900
58$6,194,534$1,213,843$616,811$5,236,618
59$6,766,638$1,213,583$577,736$5,690,919
60$7,395,215$1,211,429$535,470$6,189,921
61$8,085,966$1,207,228$489,847$6,738,167
62$8,845,171$1,200,819$440,693$7,340,661
63$9,679,750$1,192,030$387,828$8,002,921
64$10,597,326$1,180,681$331,062$8,731,027
65$11,606,297$1,166,578$270,196$9,531,680
66$12,715,917$1,149,518$205,025$10,412,267
67$13,936,379$1,129,283$135,332$11,380,929
68$15,278,917$1,105,646$60,893$12,446,638
69$16,755,907$1,078,362$0$13,619,283
70$18,380,983$1,047,176$0$14,912,731
71$20,169,170$1,011,814$0$16,346,620
72$22,137,022$971,990$0$17,924,475
73$24,302,779$927,398$0$19,660,931
74$26,686,539$877,716$0$21,572,113
75$29,310,445$822,604$0$23,675,795
76$32,198,899$761,700$0$25,991,558
77$35,378,787$694,623$0$28,540,985
78$38,879,735$620,972$0$31,347,858
79$42,734,387$540,319$0$34,438,383
80$46,978,715$452,215$0$37,841,440
81$51,652,355$356,185$0$41,588,857
82$56,798,984$251,726$0$45,715,705
83$62,466,728$138,309$0$50,260,635
84$68,708,622$15,373$0$55,266,237
85$75,583,102$0$0$60,779,449
86$83,154,565$0$0$66,867,534
87$91,493,969$0$0$73,575,401
88$100,679,508$0$0$80,963,923
89$110,797,347$0$0$89,102,415
90$121,942,434$0$0$98,067,259
91$134,219,398$0$0$107,942,623
92$147,743,536$0$0$118,821,258
93$162,641,899$0$0$130,805,372
94$179,054,494$0$0$144,007,591
95$197,135,602$0$0$158,552,030
96$217,055,235$0$0$174,575,454
97$239,000,743$0$0$192,228,579
98$263,178,578$0$0$211,677,484
99$289,816,244$0$0$233,105,188
100$319,164,447$0$0$256,713,370