Can I retire at age 35 with 872,000?

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 $872,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$72,009$71,368$70,742$70,131$69,535$67,716
2 years$35,648$34,984$34,341$33,717$33,112$31,292
3 years$23,529$22,862$22,221$21,603$21,007$19,244
4 years$17,471$16,806$16,171$15,564$14,983$13,288
5 years$13,837$13,176$12,549$11,954$11,390$9,769
6 years$11,415$10,760$10,142$9,560$9,012$7,467
7 years$9,686$9,036$8,428$7,860$7,329$5,860
8 years$8,390$7,745$7,147$6,593$6,080$4,686
9 years$7,382$6,744$6,156$5,616$5,121$3,800
10 years$6,576$5,944$5,367$4,841$4,363$3,114
11 years$5,918$5,292$4,725$4,213$3,752$2,574
12 years$5,369$4,750$4,193$3,696$3,252$2,141
13 years$4,905$4,292$3,746$3,263$2,836$1,791
14 years$4,508$3,902$3,366$2,896$2,486$1,504
15 years$4,164$3,564$3,039$2,583$2,189$1,268
16 years$3,863$3,270$2,756$2,313$1,934$1,072
17 years$3,598$3,012$2,507$2,078$1,715$909
18 years$3,363$2,783$2,289$1,873$1,525$772
19 years$3,153$2,579$2,095$1,692$1,359$657
20 years$2,964$2,397$1,923$1,533$1,214$560
21 years$2,793$2,232$1,769$1,391$1,086$477
22 years$2,638$2,084$1,630$1,265$974$408
23 years$2,496$1,949$1,505$1,152$874$348
24 years$2,367$1,826$1,392$1,050$786$298
25 years$2,248$1,714$1,289$959$707$255
26 years$2,139$1,611$1,196$877$637$218
27 years$2,037$1,516$1,110$803$574$187
28 years$1,943$1,428$1,032$736$518$160
29 years$1,856$1,347$961$675$468$137
30 years$1,775$1,272$895$619$423$118
31 years$1,699$1,203$834$569$382$101
32 years$1,628$1,138$778$523$346$87
33 years$1,562$1,078$727$481$313$74
34 years$1,499$1,022$679$442$283$64
35 years$1,440$969$635$407$257$55
36 years$1,385$920$594$375$232$47
37 years$1,333$874$556$345$211$40
38 years$1,283$830$521$318$191$35
39 years$1,236$789$488$294$173$30
40 years$1,192$751$457$271$157$26
41 years$1,150$715$429$250$143$22
42 years$1,110$681$402$231$129$19
43 years$1,072$649$377$213$117$16
44 years$1,036$618$354$196$107$14
45 years$1,002$590$333$181$97$12
46 years$969$563$312$168$88$10
47 years$937$537$293$155$80$9
48 years$907$512$276$143$72$8
49 years$879$489$259$132$66$7
50 years$851$467$244$122$60$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $872,000, adding $5,194 every year, while hoping to spend $22,403 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: 40/44/16 Blend
34$872,000$872,000$872,000$872,000
35$966,302$920,086$906,570$1,000,168
36$1,041,028$941,333$913,103$1,045,972
37$1,122,625$962,871$919,105$1,092,924
38$1,211,771$984,690$924,533$1,143,240
39$1,309,211$1,006,779$929,344$1,197,237
40$1,415,765$1,029,126$933,492$1,255,262
41$1,532,338$1,051,718$936,929$1,317,701
42$1,659,925$1,074,540$939,604$1,384,977
43$1,799,621$1,097,577$941,464$1,457,557
44$1,952,633$1,120,809$942,454$1,535,954
45$2,120,291$1,144,217$942,515$1,620,737
46$2,304,056$1,167,780$941,585$1,712,530
47$2,505,542$1,191,473$939,601$1,812,022
48$2,726,523$1,215,271$936,493$1,919,973
49$2,968,955$1,239,146$932,192$2,037,219
50$3,234,992$1,263,067$926,624$2,164,684
51$3,527,005$1,287,001$919,709$2,303,385
52$3,847,607$1,310,912$911,368$2,454,445
53$4,199,678$1,334,762$901,514$2,619,100
54$4,586,388$1,358,508$890,057$2,798,714
55$5,011,230$1,382,106$876,904$2,994,790
56$5,478,052$1,405,506$861,958$3,208,986
57$5,991,095$1,428,656$845,114$3,443,129
58$6,555,027$1,451,501$826,266$3,699,236
59$7,174,995$1,473,980$805,301$3,979,527
60$7,856,667$1,496,028$782,101$4,286,452
61$8,606,289$1,517,575$756,544$4,622,711
62$9,430,743$1,538,548$728,500$4,991,284
63$10,337,609$1,558,867$697,835$5,395,452
64$11,335,240$1,578,447$664,408$5,838,835
65$12,432,841$1,597,197$628,072$6,325,424
66$13,640,551$1,615,020$588,673$6,859,619
67$14,969,543$1,631,813$546,050$7,446,271
68$16,432,130$1,647,464$500,035$8,090,727
69$18,041,874$1,661,857$450,453$8,798,884
70$19,813,723$1,674,866$397,121$9,577,241
71$21,764,145$1,686,356$339,847$10,432,966
72$23,911,286$1,696,187$278,431$11,373,958
73$26,275,143$1,704,206$212,664$12,408,928
74$28,877,748$1,710,252$142,329$13,547,477
75$31,743,379$1,714,155$67,197$14,800,189
76$34,898,787$1,715,732$0$16,178,736
77$38,373,451$1,714,791$0$17,698,195
78$42,199,853$1,711,125$0$19,382,920
79$46,413,785$1,704,517$0$21,237,102
80$51,054,689$1,694,737$0$23,278,020
81$56,166,026$1,681,538$0$25,524,718
82$61,795,688$1,664,660$0$27,998,187
83$67,996,449$1,643,829$0$30,721,562
84$74,826,461$1,618,751$0$33,720,342
85$82,349,808$1,589,118$0$37,022,630
86$90,637,104$1,554,600$0$40,659,403
87$99,766,164$1,514,851$0$44,664,801
88$109,822,737$1,469,503$0$49,076,450
89$120,901,313$1,418,165$0$53,935,824
90$133,106,019$1,360,427$0$59,288,629
91$146,551,597$1,295,852$0$65,185,244
92$161,364,490$1,223,979$0$71,681,190
93$177,684,034$1,144,320$0$78,837,661
94$195,663,773$1,056,360$0$86,722,101
95$215,472,908$959,552$0$95,408,843
96$237,297,896$853,321$0$104,979,808
97$261,344,204$737,057$0$115,525,287
98$287,838,257$610,116$0$127,144,788
99$317,029,567$471,820$0$139,947,984
100$349,193,092$321,449$0$154,055,743