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%15.9%
1 years$72,009$71,368$70,742$70,131$69,535$67,854
2 years$35,648$34,984$34,341$33,717$33,112$31,428
3 years$23,529$22,862$22,221$21,603$21,007$19,374
4 years$17,471$16,806$16,171$15,564$14,983$13,412
5 years$13,837$13,176$12,549$11,954$11,390$9,886
6 years$11,415$10,760$10,142$9,560$9,012$7,577
7 years$9,686$9,036$8,428$7,860$7,329$5,963
8 years$8,390$7,745$7,147$6,593$6,080$4,782
9 years$7,382$6,744$6,156$5,616$5,121$3,890
10 years$6,576$5,944$5,367$4,841$4,363$3,198
11 years$5,918$5,292$4,725$4,213$3,752$2,651
12 years$5,369$4,750$4,193$3,696$3,252$2,213
13 years$4,905$4,292$3,746$3,263$2,836$1,857
14 years$4,508$3,902$3,366$2,896$2,486$1,565
15 years$4,164$3,564$3,039$2,583$2,189$1,324
16 years$3,863$3,270$2,756$2,313$1,934$1,124
17 years$3,598$3,012$2,507$2,078$1,715$956
18 years$3,363$2,783$2,289$1,873$1,525$815
19 years$3,153$2,579$2,095$1,692$1,359$696
20 years$2,964$2,397$1,923$1,533$1,214$595
21 years$2,793$2,232$1,769$1,391$1,086$510
22 years$2,638$2,084$1,630$1,265$974$437
23 years$2,496$1,949$1,505$1,152$874$375
24 years$2,367$1,826$1,392$1,050$786$322
25 years$2,248$1,714$1,289$959$707$277
26 years$2,139$1,611$1,196$877$637$238
27 years$2,037$1,516$1,110$803$574$205
28 years$1,943$1,428$1,032$736$518$176
29 years$1,856$1,347$961$675$468$152
30 years$1,775$1,272$895$619$423$131
31 years$1,699$1,203$834$569$382$112
32 years$1,628$1,138$778$523$346$97
33 years$1,562$1,078$727$481$313$83
34 years$1,499$1,022$679$442$283$72
35 years$1,440$969$635$407$257$62
36 years$1,385$920$594$375$232$53
37 years$1,333$874$556$345$211$46
38 years$1,283$830$521$318$191$40
39 years$1,236$789$488$294$173$34
40 years$1,192$751$457$271$157$30
41 years$1,150$715$429$250$143$26
42 years$1,110$681$402$231$129$22
43 years$1,072$649$377$213$117$19
44 years$1,036$618$354$196$107$16
45 years$1,002$590$333$181$97$14
46 years$969$563$312$168$88$12
47 years$937$537$293$155$80$11
48 years$907$512$276$143$72$9
49 years$879$489$259$132$66$8
50 years$851$467$244$122$60$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $872,000, adding $2,208 every year, while hoping to spend $27,278 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: 61/19/20 Blend
34$872,000$872,000$872,000$872,000
35$963,222$917,006$903,490$1,016,838
36$1,032,447$932,915$904,733$1,069,249
37$1,107,818$948,690$905,104$1,123,208
38$1,189,935$964,295$904,544$1,181,477
39$1,279,455$979,692$902,992$1,244,478
40$1,377,102$994,840$900,386$1,312,677
41$1,483,674$1,009,695$896,656$1,386,588
42$1,600,050$1,024,211$891,735$1,466,777
43$1,727,194$1,038,336$885,547$1,553,869
44$1,866,171$1,052,018$878,016$1,648,551
45$2,018,152$1,065,198$869,061$1,751,583
46$2,184,426$1,077,816$858,598$1,863,803
47$2,366,414$1,089,805$846,537$1,986,133
48$2,565,679$1,101,096$832,787$2,119,591
49$2,783,942$1,111,614$817,249$2,265,300
50$3,023,100$1,121,278$799,822$2,424,498
51$3,285,240$1,130,005$780,401$2,598,550
52$3,572,663$1,137,704$758,873$2,788,960
53$3,887,901$1,144,278$735,122$2,997,388
54$4,233,745$1,149,626$709,026$3,225,664
55$4,613,267$1,153,638$680,459$3,475,806
56$5,029,853$1,156,198$649,286$3,750,039
57$5,487,230$1,157,184$615,369$4,050,816
58$5,989,506$1,156,464$578,563$4,380,842
59$6,541,205$1,153,901$538,714$4,743,099
60$7,147,312$1,149,346$495,665$5,140,876
61$7,813,318$1,142,644$449,250$5,577,799
62$8,545,270$1,133,628$399,294$6,057,864
63$9,349,835$1,122,122$345,617$6,585,481
64$10,234,352$1,107,941$288,029$7,165,506
65$11,206,912$1,090,885$226,334$7,803,299
66$12,276,426$1,070,747$160,325$8,504,766
67$13,452,711$1,047,304$89,786$9,276,417
68$14,746,587$1,020,321$14,493$10,125,432
69$16,169,972$989,550$0$11,059,725
70$17,735,997$954,726$0$12,102,075
71$19,459,133$915,572$0$13,252,261
72$21,355,322$871,792$0$14,517,843
73$23,442,130$823,075$0$15,910,569
74$25,738,912$769,090$0$17,443,382
75$28,266,995$709,490$0$19,130,549
76$31,049,877$643,904$0$20,987,793
77$34,113,453$571,943$0$23,032,441
78$37,486,253$493,196$0$25,283,591
79$41,199,715$407,227$0$27,762,288
80$45,288,481$313,577$0$30,491,727
81$49,790,723$211,758$0$33,497,471
82$54,748,502$101,260$0$36,807,691
83$60,208,166$0$0$40,453,436
84$66,220,790$0$0$44,472,783
85$72,842,649$0$0$48,922,802
86$80,135,759$0$0$53,824,007
87$88,168,457$0$0$59,222,334
88$97,016,043$0$0$65,168,401
89$106,761,496$0$0$71,717,986
90$117,496,255$0$0$78,932,555
91$129,321,080$0$0$86,879,839
92$142,347,003$0$0$95,634,475
93$156,696,378$0$0$105,278,711
94$172,504,034$0$0$115,903,178
95$189,918,547$0$0$127,607,751
96$209,103,642$0$0$140,502,487
97$230,239,738$0$0$154,708,668
98$253,525,654$0$0$170,359,938
99$279,180,479$0$0$187,603,575
100$307,445,645$0$0$206,601,870