Can I retire at age 35 with 871,000?

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 $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%16.9%
1 years$71,926$71,286$70,661$70,051$69,455$67,502
2 years$35,607$34,944$34,301$33,678$33,074$31,121
3 years$23,502$22,836$22,195$21,578$20,983$19,092
4 years$17,451$16,787$16,152$15,546$14,965$13,150
5 years$13,821$13,161$12,535$11,941$11,377$9,642
6 years$11,402$10,747$10,130$9,549$9,002$7,350
7 years$9,675$9,025$8,418$7,851$7,321$5,752
8 years$8,380$7,736$7,139$6,586$6,073$4,586
9 years$7,374$6,736$6,149$5,610$5,115$3,708
10 years$6,569$5,937$5,361$4,836$4,358$3,029
11 years$5,911$5,286$4,720$4,208$3,748$2,496
12 years$5,363$4,744$4,189$3,691$3,248$2,069
13 years$4,900$4,287$3,742$3,259$2,832$1,725
14 years$4,503$3,897$3,362$2,893$2,483$1,444
15 years$4,159$3,560$3,036$2,580$2,186$1,213
16 years$3,859$3,266$2,752$2,310$1,932$1,022
17 years$3,594$3,008$2,505$2,076$1,713$863
18 years$3,359$2,780$2,286$1,870$1,523$730
19 years$3,149$2,576$2,093$1,690$1,358$619
20 years$2,960$2,394$1,921$1,531$1,213$525
21 years$2,790$2,230$1,767$1,389$1,085$446
22 years$2,635$2,081$1,628$1,263$973$380
23 years$2,494$1,947$1,504$1,150$873$323
24 years$2,364$1,824$1,391$1,049$785$275
25 years$2,246$1,712$1,288$958$706$235
26 years$2,136$1,609$1,194$876$636$200
27 years$2,035$1,514$1,109$802$574$171
28 years$1,941$1,427$1,031$735$518$146
29 years$1,854$1,346$960$674$467$125
30 years$1,773$1,271$894$618$422$106
31 years$1,697$1,202$833$568$382$91
32 years$1,626$1,137$777$522$345$78
33 years$1,560$1,077$726$480$313$66
34 years$1,497$1,020$678$442$283$57
35 years$1,439$968$634$407$256$48
36 years$1,383$919$593$374$232$41
37 years$1,331$873$555$345$210$35
38 years$1,282$829$520$318$191$30
39 years$1,235$788$487$293$173$26
40 years$1,191$750$457$270$157$22
41 years$1,149$714$428$249$142$19
42 years$1,109$680$402$230$129$16
43 years$1,071$648$377$213$117$14
44 years$1,035$618$354$196$106$12
45 years$1,000$589$332$181$97$10
46 years$968$562$312$167$88$9
47 years$936$536$293$155$80$7
48 years$906$512$275$143$72$6
49 years$878$489$259$132$66$5
50 years$850$467$243$122$60$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $871,000, adding $4,769 every year, while hoping to spend $31,715 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: 65/27/8 Blend
34$871,000$871,000$871,000$871,000
35$964,761$918,598$905,098$1,025,662
36$1,029,422$929,865$901,674$1,078,065
37$1,099,616$940,621$897,073$1,131,098
38$1,175,873$950,807$891,221$1,188,213
39$1,258,777$960,362$884,042$1,249,803
40$1,348,971$969,218$875,456$1,316,303
41$1,447,161$977,305$865,379$1,388,193
42$1,554,125$984,547$853,723$1,466,001
43$1,670,720$990,864$840,396$1,550,310
44$1,797,886$996,169$825,302$1,641,762
45$1,936,661$1,000,372$808,340$1,741,067
46$2,088,186$1,003,375$789,405$1,849,004
47$2,253,717$1,005,077$768,386$1,966,437
48$2,434,637$1,005,366$745,168$2,094,316
49$2,632,468$1,004,128$719,630$2,233,687
50$2,848,888$1,001,238$691,645$2,385,707
51$3,085,741$996,566$661,082$2,551,650
52$3,345,061$989,972$627,803$2,732,920
53$3,629,086$981,309$591,663$2,931,069
54$3,940,280$970,420$552,511$3,147,805
55$4,281,359$957,141$510,190$3,385,012
56$4,655,311$941,294$464,535$3,644,768
57$5,065,430$922,695$415,374$3,929,367
58$5,515,343$901,146$362,527$4,241,334
59$6,009,043$876,437$305,808$4,583,456
60$6,550,932$848,349$245,018$4,958,808
61$7,145,855$816,647$179,955$5,370,777
62$7,799,153$781,083$110,404$5,823,101
63$8,516,707$741,396$36,143$6,319,900
64$9,304,995$697,308$0$6,865,717
65$10,171,156$648,528$0$7,469,242
66$11,123,052$594,744$0$8,135,851
67$12,169,346$535,629$0$8,868,567
68$13,319,582$470,838$0$9,674,129
69$14,584,275$400,004$0$10,559,965
70$15,975,008$322,741$0$11,534,263
71$17,504,545$238,642$0$12,606,049
72$19,186,947$147,274$0$13,785,274
73$21,037,708$48,182$0$15,082,907
74$23,073,898$0$0$16,511,039
75$25,314,325$0$0$18,100,561
76$27,779,712$0$0$19,865,508
77$30,492,894$0$0$21,807,917
78$33,479,029$0$0$23,945,810
79$36,765,840$0$0$26,299,044
80$40,383,872$0$0$28,889,496
81$44,366,783$0$0$31,741,274
82$48,751,659$0$0$34,880,943
83$53,579,365$0$0$38,337,773
84$58,894,931$0$0$42,144,017
85$64,747,974$0$0$46,335,216
86$71,193,169$0$0$50,950,531
87$78,290,763$0$0$56,033,116
88$86,107,142$0$0$61,630,521
89$94,715,459$0$0$67,795,146
90$104,196,324$0$0$74,584,729
91$114,638,564$0$0$82,062,896
92$126,140,060$0$0$90,299,758
93$138,808,672$0$0$99,372,572
94$152,763,256$0$0$109,366,474
95$168,134,785$0$0$120,375,278
96$185,067,584$0$0$132,502,362
97$203,720,695$0$0$145,861,647
98$224,269,375$0$0$160,578,666
99$246,906,748$0$0$176,791,754
100$271,845,633$0$0$194,653,349