Can I retire at age 35 with 892,000?

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 $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%13.4%
1 years$73,661$73,004$72,364$71,739$71,129$70,124
2 years$36,466$35,786$35,128$34,490$33,871$32,860
3 years$24,069$23,387$22,730$22,098$21,489$20,504
4 years$17,872$17,192$16,542$15,920$15,326$14,375
5 years$14,154$13,479$12,837$12,228$11,651$10,736
6 years$11,677$11,006$10,374$9,779$9,219$8,341
7 years$9,908$9,243$8,621$8,040$7,497$6,657
8 years$8,582$7,923$7,311$6,745$6,220$5,417
9 years$7,551$6,898$6,297$5,745$5,238$4,472
10 years$6,727$6,081$5,490$4,952$4,463$3,734
11 years$6,053$5,413$4,833$4,310$3,838$3,145
12 years$5,492$4,859$4,290$3,780$3,326$2,668
13 years$5,018$4,391$3,832$3,337$2,901$2,276
14 years$4,611$3,991$3,443$2,963$2,543$1,951
15 years$4,259$3,646$3,109$2,642$2,239$1,680
16 years$3,952$3,345$2,819$2,366$1,979$1,450
17 years$3,681$3,081$2,565$2,126$1,754$1,256
18 years$3,440$2,847$2,341$1,916$1,560$1,090
19 years$3,225$2,638$2,143$1,731$1,390$949
20 years$3,032$2,452$1,967$1,568$1,242$827
21 years$2,857$2,284$1,809$1,423$1,111$721
22 years$2,698$2,132$1,668$1,294$996$631
23 years$2,554$1,994$1,540$1,178$894$552
24 years$2,421$1,868$1,424$1,075$804$483
25 years$2,300$1,753$1,319$981$723$423
26 years$2,188$1,648$1,223$897$651$371
27 years$2,084$1,551$1,136$821$587$326
28 years$1,988$1,461$1,056$752$530$286
29 years$1,899$1,378$983$690$479$252
30 years$1,816$1,302$915$633$432$221
31 years$1,738$1,231$853$582$391$194
32 years$1,666$1,164$796$535$354$171
33 years$1,597$1,103$743$492$320$151
34 years$1,534$1,045$695$452$290$132
35 years$1,473$991$649$416$262$117
36 years$1,417$941$607$383$238$103
37 years$1,363$894$569$353$216$90
38 years$1,313$849$532$326$195$80
39 years$1,265$807$499$300$177$70
40 years$1,220$768$468$277$161$62
41 years$1,176$731$438$255$146$54
42 years$1,136$696$411$236$132$48
43 years$1,097$664$386$218$120$42
44 years$1,060$633$362$201$109$37
45 years$1,025$603$340$186$99$33
46 years$991$575$319$171$90$29
47 years$959$549$300$158$82$26
48 years$928$524$282$146$74$23
49 years$899$501$265$135$67$20
50 years$871$478$249$125$61$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $892,000, adding $2,210 every year, while hoping to spend $36,570 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: 62/16/22 Blend
34$892,000$892,000$892,000$892,000
35$985,264$937,988$924,162$1,040,551
36$1,046,850$945,039$916,211$1,085,237
37$1,113,493$951,210$906,768$1,129,755
38$1,185,669$956,419$895,745$1,177,535
39$1,263,903$960,579$883,048$1,228,902
40$1,348,772$963,598$868,580$1,284,210
41$1,440,910$965,378$852,241$1,343,855
42$1,541,014$965,813$833,923$1,408,270
43$1,649,853$964,793$813,515$1,477,938
44$1,768,271$962,200$790,900$1,553,388
45$1,897,196$957,910$765,957$1,635,207
46$2,037,652$951,789$738,558$1,724,042
47$2,190,762$943,697$708,569$1,820,607
48$2,357,766$933,484$675,852$1,925,693
49$2,540,026$920,992$640,261$2,040,171
50$2,739,042$906,054$601,644$2,165,003
51$2,956,465$888,492$559,840$2,301,251
52$3,194,114$868,118$514,684$2,450,089
53$3,453,991$844,732$466,003$2,612,811
54$3,738,298$818,124$413,614$2,790,846
55$4,049,462$788,070$357,328$2,985,772
56$4,390,155$754,334$296,946$3,199,330
57$4,763,321$716,666$232,263$3,433,441
58$5,172,198$674,801$163,063$3,690,226
59$5,620,355$628,460$89,119$3,972,025
60$6,111,724$577,346$10,197$4,281,420
61$6,650,632$521,149$0$4,621,261
62$7,241,847$459,536$0$5,012,070
63$7,890,621$392,158$0$5,443,621
64$8,602,738$318,648$0$5,917,408
65$9,384,571$238,615$0$6,437,720
66$10,243,137$151,647$0$7,009,281
67$11,186,170$57,310$0$7,637,302
68$12,222,186$0$0$8,327,525
69$13,360,568$0$0$9,094,176
70$14,611,656$0$0$9,947,888
71$15,986,836$0$0$10,886,352
72$17,498,655$0$0$11,918,138
73$19,160,936$0$0$13,052,689
74$20,988,909$0$0$14,300,410
75$22,999,351$0$0$15,672,763
76$25,210,751$0$0$17,182,378
77$27,643,476$0$0$18,843,171
78$30,319,967$0$0$20,670,472
79$33,264,951$0$0$22,681,175
80$36,505,673$0$0$24,893,892
81$40,072,150$0$0$27,329,133
82$43,997,460$0$0$30,009,494
83$48,318,047$0$0$32,959,874
84$53,074,068$0$0$36,207,710
85$58,309,772$0$0$39,783,232
86$64,073,915$0$0$43,719,751
87$70,420,223$0$0$48,053,972
88$77,407,893$0$0$52,826,340
89$85,102,157$0$0$58,081,421
90$93,574,893$0$0$63,868,324
91$102,905,307$0$0$70,241,164
92$113,180,675$0$0$77,259,569
93$124,497,169$0$0$84,989,245
94$136,960,766$0$0$93,502,599
95$150,688,244$0$0$102,879,415
96$165,808,285$0$0$113,207,612
97$182,462,691$0$0$124,584,072
98$200,807,717$0$0$137,115,553
99$221,015,552$0$0$150,919,699
100$243,275,938$0$0$166,126,145