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%13.8%
1 years$71,926$71,286$70,661$70,051$69,455$68,360
2 years$35,607$34,944$34,301$33,678$33,074$31,974
3 years$23,502$22,836$22,195$21,578$20,983$19,912
4 years$17,451$16,787$16,152$15,546$14,965$13,932
5 years$13,821$13,161$12,535$11,941$11,377$10,383
6 years$11,402$10,747$10,130$9,549$9,002$8,049
7 years$9,675$9,025$8,418$7,851$7,321$6,410
8 years$8,380$7,736$7,139$6,586$6,073$5,204
9 years$7,374$6,736$6,149$5,610$5,115$4,286
10 years$6,569$5,937$5,361$4,836$4,358$3,570
11 years$5,911$5,286$4,720$4,208$3,748$2,999
12 years$5,363$4,744$4,189$3,691$3,248$2,538
13 years$4,900$4,287$3,742$3,259$2,832$2,160
14 years$4,503$3,897$3,362$2,893$2,483$1,846
15 years$4,159$3,560$3,036$2,580$2,186$1,585
16 years$3,859$3,266$2,752$2,310$1,932$1,365
17 years$3,594$3,008$2,505$2,076$1,713$1,179
18 years$3,359$2,780$2,286$1,870$1,523$1,020
19 years$3,149$2,576$2,093$1,690$1,358$885
20 years$2,960$2,394$1,921$1,531$1,213$769
21 years$2,790$2,230$1,767$1,389$1,085$669
22 years$2,635$2,081$1,628$1,263$973$583
23 years$2,494$1,947$1,504$1,150$873$508
24 years$2,364$1,824$1,391$1,049$785$444
25 years$2,246$1,712$1,288$958$706$388
26 years$2,136$1,609$1,194$876$636$339
27 years$2,035$1,514$1,109$802$574$297
28 years$1,941$1,427$1,031$735$518$260
29 years$1,854$1,346$960$674$467$227
30 years$1,773$1,271$894$618$422$199
31 years$1,697$1,202$833$568$382$175
32 years$1,626$1,137$777$522$345$153
33 years$1,560$1,077$726$480$313$134
34 years$1,497$1,020$678$442$283$118
35 years$1,439$968$634$407$256$103
36 years$1,383$919$593$374$232$91
37 years$1,331$873$555$345$210$80
38 years$1,282$829$520$318$191$70
39 years$1,235$788$487$293$173$61
40 years$1,191$750$457$270$157$54
41 years$1,149$714$428$249$142$47
42 years$1,109$680$402$230$129$42
43 years$1,071$648$377$213$117$36
44 years$1,035$618$354$196$106$32
45 years$1,000$589$332$181$97$28
46 years$968$562$312$167$88$25
47 years$936$536$293$155$80$22
48 years$906$512$275$143$72$19
49 years$878$489$259$132$66$17
50 years$850$467$243$122$60$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $871,000, adding $6,234 every year, while hoping to spend $51,355 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: 79/13/8 Blend
34$871,000$871,000$871,000$871,000
35$966,272$920,109$906,609$1,041,075
36$1,010,191$910,553$882,339$1,081,473
37$1,056,868$898,808$855,535$1,118,446
38$1,106,530$884,712$826,057$1,157,481
39$1,159,427$868,093$793,761$1,198,759
40$1,215,830$848,771$758,494$1,242,481
41$1,276,038$826,554$720,096$1,288,867
42$1,340,377$801,239$678,403$1,338,160
43$1,409,206$772,610$633,239$1,390,628
44$1,482,916$740,439$584,424$1,446,568
45$1,561,939$704,486$531,768$1,506,305
46$1,646,747$664,496$475,072$1,570,200
47$1,737,859$620,199$414,130$1,638,651
48$1,835,842$571,311$348,726$1,712,096
49$1,941,323$517,530$278,633$1,791,020
50$2,054,987$458,538$203,616$1,875,957
51$2,177,588$393,999$123,429$1,967,498
52$2,309,953$323,556$37,815$2,066,293
53$2,452,992$246,834$0$2,173,061
54$2,607,705$163,437$0$2,293,167
55$2,775,191$72,945$0$2,426,658
56$2,956,658$0$0$2,571,292
57$3,153,433$0$0$2,731,752
58$3,366,979$0$0$2,917,234
59$3,598,901$0$0$3,118,699
60$3,850,966$0$0$3,337,688
61$4,125,119$0$0$3,575,891
62$4,423,498$0$0$3,835,170
63$4,748,457$0$0$4,117,574
64$5,102,585$0$0$4,425,356
65$5,488,732$0$0$4,760,997
66$5,910,036$0$0$5,127,228
67$6,369,948$0$0$5,527,053
68$6,872,269$0$0$5,963,782
69$7,421,184$0$0$6,441,055
70$8,021,298$0$0$6,962,882
71$8,677,683$0$0$7,533,679
72$9,395,923$0$0$8,158,305
73$10,182,167$0$0$8,842,112
74$11,043,185$0$0$9,590,996
75$11,986,434$0$0$10,411,445
76$13,020,124$0$0$11,310,609
77$14,153,301$0$0$12,296,359
78$15,395,922$0$0$13,377,366
79$16,758,959$0$0$14,563,180
80$18,254,494$0$0$15,864,317
81$19,895,837$0$0$17,292,365
82$21,697,647$0$0$18,860,086
83$23,676,073$0$0$20,581,537
84$25,848,905$0$0$22,472,203
85$28,235,739$0$0$24,549,146
86$30,858,162$0$0$26,831,157
87$33,739,958$0$0$29,338,941
88$36,907,325$0$0$32,095,304
89$40,389,131$0$0$35,125,377
90$44,217,173$0$0$38,456,842
91$48,426,490$0$0$42,120,199
92$53,055,680$0$0$46,149,053
93$58,147,273$0$0$50,580,427
94$63,748,125$0$0$55,455,112
95$69,909,864$0$0$60,818,053
96$76,689,373$0$0$66,718,769
97$84,149,325$0$0$73,211,823
98$92,358,779$0$0$80,357,331
99$101,393,822$0$0$88,221,536
100$111,338,295$0$0$96,877,423