Can I retire at age 35 with 895,000?

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 $895,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$73,908$73,250$72,608$71,981$71,369$68,754
2 years$36,588$35,907$35,246$34,606$33,985$31,380
3 years$24,150$23,466$22,807$22,172$21,561$19,048
4 years$17,932$17,250$16,597$15,974$15,378$12,975
5 years$14,202$13,524$12,880$12,270$11,690$9,404
6 years$11,716$11,043$10,409$9,812$9,250$7,083
7 years$9,942$9,274$8,650$8,067$7,523$5,473
8 years$8,611$7,950$7,336$6,767$6,241$4,308
9 years$7,577$6,922$6,318$5,764$5,256$3,436
10 years$6,750$6,101$5,509$4,969$4,478$2,769
11 years$6,074$5,431$4,850$4,324$3,851$2,249
12 years$5,511$4,875$4,304$3,793$3,337$1,838
13 years$5,035$4,406$3,845$3,349$2,910$1,509
14 years$4,627$4,004$3,455$2,973$2,551$1,244
15 years$4,274$3,658$3,119$2,651$2,246$1,029
16 years$3,965$3,356$2,828$2,374$1,985$853
17 years$3,693$3,091$2,574$2,133$1,760$709
18 years$3,452$2,856$2,349$1,922$1,565$590
19 years$3,236$2,647$2,151$1,737$1,395$492
20 years$3,042$2,460$1,974$1,573$1,246$411
21 years$2,867$2,291$1,816$1,428$1,115$343
22 years$2,707$2,139$1,673$1,298$1,000$287
23 years$2,562$2,000$1,545$1,182$897$240
24 years$2,429$1,874$1,429$1,078$806$201
25 years$2,307$1,759$1,323$985$726$168
26 years$2,195$1,653$1,227$900$654$141
27 years$2,091$1,556$1,140$824$589$118
28 years$1,995$1,466$1,060$755$532$99
29 years$1,905$1,383$986$692$480$83
30 years$1,822$1,306$918$635$434$70
31 years$1,744$1,235$856$584$392$58
32 years$1,671$1,168$799$536$355$49
33 years$1,603$1,106$746$493$321$41
34 years$1,539$1,049$697$454$291$35
35 years$1,478$995$652$418$263$29
36 years$1,421$944$610$385$239$24
37 years$1,368$897$571$354$216$20
38 years$1,317$852$534$327$196$17
39 years$1,269$810$501$301$178$14
40 years$1,224$771$469$278$161$12
41 years$1,180$734$440$256$146$10
42 years$1,139$699$413$237$133$9
43 years$1,100$666$387$218$120$7
44 years$1,063$635$363$202$109$6
45 years$1,028$605$341$186$99$5
46 years$994$577$321$172$90$4
47 years$962$551$301$159$82$4
48 years$931$526$283$147$74$3
49 years$902$502$266$136$68$3
50 years$874$480$250$125$61$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $895,000, adding $6,758 every year, while hoping to spend $42,157 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: 42/30/28 Blend
34$895,000$895,000$895,000$895,000
35$993,261$945,826$931,953$1,026,594
36$1,049,719$947,317$918,319$1,052,717
37$1,110,522$947,467$902,815$1,076,515
38$1,176,071$946,168$885,334$1,101,484
39$1,246,801$943,302$865,765$1,127,756
40$1,323,196$938,745$843,989$1,155,483
41$1,405,783$932,365$819,884$1,184,831
42$1,495,145$924,022$793,321$1,215,989
43$1,591,919$913,569$764,167$1,249,168
44$1,696,809$900,847$732,281$1,284,602
45$1,810,586$885,692$697,515$1,322,554
46$1,934,102$867,926$659,717$1,363,318
47$2,068,289$847,364$618,726$1,407,221
48$2,214,175$823,806$574,375$1,454,628
49$2,372,893$797,043$526,488$1,505,947
50$2,545,684$766,855$474,882$1,561,629
51$2,733,920$733,007$419,366$1,622,181
52$2,939,105$695,250$359,741$1,688,163
53$3,162,899$653,322$295,797$1,760,200
54$3,407,126$606,946$227,317$1,838,987
55$3,673,795$555,828$154,074$1,925,295
56$3,965,117$499,659$75,831$2,019,982
57$4,283,526$438,110$0$2,124,001
58$4,631,703$370,834$0$2,240,698
59$5,012,599$297,468$0$2,393,281
60$5,429,463$217,622$0$2,560,453
61$5,885,873$130,890$0$2,743,742
62$6,385,768$36,840$0$2,944,834
63$6,933,489$0$0$3,165,593
64$7,533,812$0$0$3,429,531
65$8,192,002$0$0$3,732,359
66$8,913,853$0$0$4,064,595
67$9,705,751$0$0$4,429,193
68$10,574,727$0$0$4,829,405
69$11,528,527$0$0$5,268,814
70$12,575,682$0$0$5,751,367
71$13,725,591$0$0$6,281,412
72$14,988,608$0$0$6,863,740
73$16,376,137$0$0$7,503,626
74$17,900,743$0$0$8,206,883
75$19,576,267$0$0$8,979,916
76$21,417,958$0$0$9,829,781
77$23,442,617$0$0$10,764,250
78$25,668,752$0$0$11,791,887
79$28,116,754$0$0$12,922,129
80$30,809,092$0$0$14,165,370
81$33,770,517$0$0$15,533,065
82$37,028,303$0$0$17,037,834
83$40,612,498$0$0$18,693,583
84$44,556,212$0$0$20,515,631
85$48,895,924$0$0$22,520,860
86$53,671,828$0$0$24,727,870
87$58,928,212$0$0$27,157,157
88$64,713,876$0$0$29,831,302
89$71,082,591$0$0$32,775,191
90$78,093,602$0$0$36,016,240
91$85,812,196$0$0$39,584,663
92$94,310,307$0$0$43,513,750
93$103,667,201$0$0$47,840,185
94$113,970,222$0$0$52,604,389
95$125,315,613$0$0$57,850,904
96$137,809,427$0$0$63,628,810
97$151,568,527$0$0$69,992,192
98$166,721,685$0$0$77,000,647
99$183,410,800$0$0$84,719,845
100$201,792,234$0$0$93,222,153