Can I retire at age 35 with 872,000?

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 $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 $4,706 every year, while hoping to spend $22,797 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: 68/24/8 Blend
34$872,000$872,000$872,000$872,000
35$965,798$919,582$906,066$1,029,751
36$1,040,054$940,386$912,164$1,093,577
37$1,121,119$961,445$917,701$1,160,148
38$1,209,666$982,748$922,636$1,232,338
39$1,306,431$1,004,281$926,924$1,310,694
40$1,412,227$1,026,032$930,516$1,395,816
41$1,527,950$1,047,983$933,364$1,488,369
42$1,654,584$1,070,117$935,415$1,589,080
43$1,793,214$1,092,416$936,614$1,698,754
44$1,945,036$1,114,858$936,904$1,818,277
45$2,111,364$1,137,420$936,225$1,948,623
46$2,293,647$1,160,078$934,513$2,090,866
47$2,493,482$1,182,805$931,701$2,246,190
48$2,712,624$1,205,570$927,721$2,415,900
49$2,953,011$1,228,342$922,499$2,601,430
50$3,216,774$1,251,086$915,958$2,804,365
51$3,506,261$1,273,766$908,019$3,026,447
52$3,824,060$1,296,340$898,598$3,269,599
53$4,173,018$1,318,765$887,605$3,535,936
54$4,556,276$1,340,995$874,950$3,827,793
55$4,977,291$1,362,978$860,536$4,147,740
56$5,439,873$1,384,662$844,261$4,498,608
57$5,948,216$1,405,987$826,021$4,883,521
58$6,506,946$1,426,891$805,704$5,305,916
59$7,121,154$1,447,309$783,194$5,769,585
60$7,796,452$1,467,167$758,372$6,278,704
61$8,539,022$1,486,390$731,109$6,837,877
62$9,355,675$1,504,897$701,274$7,452,175
63$10,253,915$1,522,598$668,729$8,127,190
64$11,242,011$1,539,402$633,327$8,869,081
65$12,329,072$1,555,208$594,919$9,684,637
66$13,525,135$1,569,911$553,347$10,581,340
67$14,841,259$1,583,397$508,444$11,567,436
68$16,289,629$1,595,545$460,039$12,652,010
69$17,883,671$1,606,227$407,950$13,845,077
70$19,638,180$1,615,306$351,991$15,157,673
71$21,569,455$1,622,637$291,964$16,601,960
72$23,695,459$1,628,065$227,663$18,191,342
73$26,035,980$1,631,425$158,875$19,940,589
74$28,612,829$1,632,543$85,375$21,865,982
75$31,450,032$1,631,233$6,931$23,985,462
76$34,574,070$1,627,298$0$26,318,799
77$38,014,117$1,620,528$0$28,894,340
78$41,802,324$1,610,701$0$31,730,600
79$45,974,118$1,597,582$0$34,853,475
80$50,568,535$1,580,920$0$38,292,156
81$55,628,592$1,560,452$0$42,078,811
82$61,201,690$1,535,895$0$46,248,889
83$67,340,062$1,506,954$0$50,841,456
84$74,101,265$1,473,312$0$55,899,565
85$81,548,726$1,434,635$0$61,470,661
86$89,752,335$1,390,571$0$67,607,028
87$98,789,110$1,340,746$0$74,366,286
88$108,743,920$1,284,764$0$81,811,932
89$119,710,287$1,222,205$0$90,013,944
90$131,791,271$1,152,627$0$99,049,437
91$145,100,437$1,075,562$0$109,003,396
92$159,762,931$990,514$0$119,969,476
93$175,916,660$896,960$0$132,050,886
94$193,713,594$794,345$0$145,361,367
95$213,321,198$682,086$0$160,026,264
96$234,924,016$559,564$0$176,183,711
97$258,725,409$426,125$0$193,985,934
98$284,949,477$281,082$0$213,600,691
99$313,843,173$123,705$0$235,212,856
100$345,678,635$0$0$259,026,164