Can I retire at age 35 with 871,000?

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 $871,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$71,926$71,286$70,661$70,051$69,455$67,312
2 years$35,607$34,944$34,301$33,678$33,074$30,934
3 years$23,502$22,836$22,195$21,578$20,983$18,913
4 years$17,451$16,787$16,152$15,546$14,965$12,981
5 years$13,821$13,161$12,535$11,941$11,377$9,483
6 years$11,402$10,747$10,130$9,549$9,002$7,201
7 years$9,675$9,025$8,418$7,851$7,321$5,613
8 years$8,380$7,736$7,139$6,586$6,073$4,457
9 years$7,374$6,736$6,149$5,610$5,115$3,588
10 years$6,569$5,937$5,361$4,836$4,358$2,919
11 years$5,911$5,286$4,720$4,208$3,748$2,394
12 years$5,363$4,744$4,189$3,691$3,248$1,976
13 years$4,900$4,287$3,742$3,259$2,832$1,639
14 years$4,503$3,897$3,362$2,893$2,483$1,365
15 years$4,159$3,560$3,036$2,580$2,186$1,141
16 years$3,859$3,266$2,752$2,310$1,932$957
17 years$3,594$3,008$2,505$2,076$1,713$804
18 years$3,359$2,780$2,286$1,870$1,523$677
19 years$3,149$2,576$2,093$1,690$1,358$571
20 years$2,960$2,394$1,921$1,531$1,213$482
21 years$2,790$2,230$1,767$1,389$1,085$407
22 years$2,635$2,081$1,628$1,263$973$344
23 years$2,494$1,947$1,504$1,150$873$292
24 years$2,364$1,824$1,391$1,049$785$247
25 years$2,246$1,712$1,288$958$706$209
26 years$2,136$1,609$1,194$876$636$178
27 years$2,035$1,514$1,109$802$574$151
28 years$1,941$1,427$1,031$735$518$128
29 years$1,854$1,346$960$674$467$109
30 years$1,773$1,271$894$618$422$92
31 years$1,697$1,202$833$568$382$78
32 years$1,626$1,137$777$522$345$67
33 years$1,560$1,077$726$480$313$57
34 years$1,497$1,020$678$442$283$48
35 years$1,439$968$634$407$256$41
36 years$1,383$919$593$374$232$35
37 years$1,331$873$555$345$210$29
38 years$1,282$829$520$318$191$25
39 years$1,235$788$487$293$173$21
40 years$1,191$750$457$270$157$18
41 years$1,149$714$428$249$142$15
42 years$1,109$680$402$230$129$13
43 years$1,071$648$377$213$117$11
44 years$1,035$618$354$196$106$9
45 years$1,000$589$332$181$97$8
46 years$968$562$312$167$88$7
47 years$936$536$293$155$80$6
48 years$906$512$275$143$72$5
49 years$878$489$259$132$66$4
50 years$850$467$243$122$60$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $871,000, adding $5,805 every year, while hoping to spend $28,859 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: 38/33/29 Blend
34$871,000$871,000$871,000$871,000
35$965,830$919,667$906,166$994,017
36$1,033,639$934,025$905,817$1,029,650
37$1,107,397$948,119$904,489$1,065,080
38$1,187,681$961,906$902,119$1,102,827
39$1,275,124$975,340$898,640$1,143,119
40$1,370,426$988,370$893,983$1,186,211
41$1,474,353$1,000,944$888,075$1,232,384
42$1,587,751$1,013,004$880,840$1,281,950
43$1,711,551$1,024,491$872,197$1,335,254
44$1,846,776$1,035,338$862,063$1,392,676
45$1,994,555$1,045,477$850,350$1,454,640
46$2,156,129$1,054,835$836,966$1,521,611
47$2,332,864$1,063,332$821,814$1,594,106
48$2,526,266$1,070,885$804,795$1,672,697
49$2,737,992$1,077,405$785,802$1,758,014
50$2,969,866$1,082,796$764,725$1,850,756
51$3,223,898$1,086,959$741,449$1,951,696
52$3,502,301$1,089,786$715,853$2,061,687
53$3,807,512$1,091,162$687,811$2,181,672
54$4,142,217$1,090,967$657,191$2,312,694
55$4,509,370$1,089,072$623,854$2,455,905
56$4,912,230$1,085,341$587,658$2,612,579
57$5,354,384$1,079,628$548,450$2,784,122
58$5,839,781$1,071,781$506,074$2,972,090
59$6,372,776$1,061,635$460,364$3,178,198
60$6,958,162$1,049,018$411,149$3,404,344
61$7,601,221$1,033,747$358,249$3,652,622
62$8,307,773$1,015,627$301,478$3,925,346
63$9,084,226$994,453$240,637$4,225,069
64$9,937,642$970,007$175,524$4,554,612
65$10,875,803$942,058$105,925$4,917,090
66$11,907,278$910,362$31,617$5,315,941
67$13,041,511$874,660$0$5,754,959
68$14,288,906$834,680$0$6,253,090
69$15,660,926$790,130$0$6,811,602
70$17,170,200$740,707$0$7,425,884
71$18,830,644$686,085$0$8,101,651
72$20,657,589$625,923$0$8,845,203
73$22,667,929$559,858$0$9,663,489
74$24,880,276$487,510$0$10,564,170
75$27,315,139$408,473$0$11,555,694
76$29,995,117$322,321$0$12,647,376
77$32,945,107$228,604$0$13,849,486
78$36,192,548$126,845$0$15,173,347
79$39,767,668$16,541$0$16,631,445
80$43,703,781$0$0$18,237,543
81$48,037,592$0$0$20,044,162
82$52,809,545$0$0$22,040,196
83$58,064,210$0$0$24,238,298
84$63,850,696$0$0$26,659,032
85$70,223,117$0$0$29,325,055
86$77,241,104$0$0$32,261,338
87$84,970,365$0$0$35,495,393
88$93,483,308$0$0$39,057,538
89$102,859,718$0$0$42,981,184
90$113,187,517$0$0$47,303,144
91$124,563,589$0$0$52,063,987
92$137,094,695$0$0$57,308,418
93$150,898,480$0$0$63,085,698
94$166,104,586$0$0$69,450,114
95$182,855,871$0$0$76,461,485
96$201,309,757$0$0$84,185,730
97$221,639,722$0$0$92,695,492
98$244,036,929$0$0$102,070,818
99$268,712,034$0$0$112,399,919
100$295,897,176$0$0$123,780,002