Can I retire at age 35 with 873,000?

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 $873,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$72,092$71,449$70,823$70,211$69,614$68,070
2 years$35,689$35,024$34,380$33,755$33,150$31,601
3 years$23,556$22,889$22,246$21,627$21,031$19,528
4 years$17,491$16,826$16,190$15,581$15,000$13,553
5 years$13,853$13,191$12,564$11,968$11,403$10,016
6 years$11,428$10,772$10,153$9,571$9,023$7,698
7 years$9,697$9,046$8,437$7,869$7,338$6,075
8 years$8,399$7,754$7,156$6,601$6,087$4,887
9 years$7,390$6,751$6,163$5,623$5,126$3,987
10 years$6,584$5,951$5,373$4,847$4,368$3,288
11 years$5,924$5,298$4,730$4,218$3,757$2,734
12 years$5,375$4,755$4,198$3,700$3,255$2,290
13 years$4,911$4,297$3,751$3,266$2,839$1,928
14 years$4,513$3,906$3,370$2,900$2,488$1,631
15 years$4,169$3,568$3,043$2,586$2,191$1,384
16 years$3,868$3,274$2,759$2,315$1,936$1,179
17 years$3,602$3,015$2,510$2,080$1,717$1,006
18 years$3,367$2,786$2,292$1,875$1,527$861
19 years$3,156$2,582$2,098$1,694$1,361$738
20 years$2,967$2,399$1,925$1,534$1,215$634
21 years$2,796$2,235$1,771$1,392$1,088$545
22 years$2,641$2,086$1,632$1,266$975$469
23 years$2,499$1,951$1,507$1,153$875$404
24 years$2,370$1,828$1,394$1,052$787$348
25 years$2,251$1,716$1,291$960$708$300
26 years$2,141$1,612$1,197$878$638$259
27 years$2,040$1,517$1,112$804$575$224
28 years$1,946$1,430$1,033$736$519$193
29 years$1,858$1,349$962$675$468$167
30 years$1,777$1,274$896$620$423$145
31 years$1,701$1,204$835$569$383$125
32 years$1,630$1,140$779$523$346$108
33 years$1,563$1,079$728$481$313$94
34 years$1,501$1,023$680$443$284$81
35 years$1,442$970$636$407$257$70
36 years$1,387$921$595$375$233$61
37 years$1,334$875$556$346$211$53
38 years$1,285$831$521$319$191$46
39 years$1,238$790$488$294$173$39
40 years$1,194$752$458$271$157$34
41 years$1,151$716$429$250$143$30
42 years$1,111$682$403$231$129$26
43 years$1,073$649$378$213$118$22
44 years$1,037$619$355$197$107$19
45 years$1,003$590$333$182$97$17
46 years$970$563$313$168$88$14
47 years$938$537$294$155$80$13
48 years$908$513$276$143$73$11
49 years$880$490$259$132$66$9
50 years$852$468$244$122$60$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $873,000, adding $6,676 every year, while hoping to spend $32,804 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: 68/16/16 Blend
34$873,000$873,000$873,000$873,000
35$968,932$922,663$909,132$1,030,704
36$1,032,860$932,971$904,685$1,083,054
37$1,102,209$942,684$898,989$1,135,801
38$1,177,498$951,738$891,968$1,192,671
39$1,259,296$960,067$883,543$1,254,069
40$1,348,231$967,597$873,628$1,320,437
41$1,444,993$974,251$862,137$1,392,266
42$1,550,340$979,948$848,977$1,470,095
43$1,665,109$984,599$834,051$1,554,520
44$1,790,218$988,113$817,260$1,646,198
45$1,926,679$990,389$798,497$1,745,852
46$2,075,606$991,323$777,652$1,854,282
47$2,238,224$990,804$754,609$1,972,367
48$2,415,882$988,714$729,249$2,101,081
49$2,610,067$984,925$701,443$2,241,493
50$2,822,413$979,306$671,060$2,394,785
51$3,054,721$971,713$637,963$2,562,260
52$3,308,974$961,999$602,006$2,745,355
53$3,587,354$950,002$563,038$2,945,654
54$3,892,267$935,555$520,903$3,164,905
55$4,226,359$918,478$475,434$3,405,034
56$4,592,547$898,583$426,460$3,668,167
57$4,994,042$875,668$373,802$3,956,646
58$5,434,380$849,522$317,270$4,273,056
59$5,917,458$819,919$256,670$4,620,245
60$6,447,566$786,622$191,795$5,001,356
61$7,029,430$749,380$122,433$5,419,852
62$7,668,258$707,925$48,360$5,879,555
63$8,369,783$661,976$0$6,384,675
64$9,140,324$611,236$0$6,945,096
65$9,986,840$555,389$0$7,569,851
66$10,916,997$494,103$0$8,256,364
67$11,939,244$427,027$0$9,010,905
68$13,062,883$353,788$0$9,840,385
69$14,298,168$273,994$0$10,752,420
70$15,656,393$187,231$0$11,755,404
71$17,150,000$93,061$0$12,858,586
72$18,792,700$0$0$14,072,164
73$20,599,597$0$0$15,408,954
74$22,587,334$0$0$16,897,617
75$24,774,248$0$0$18,535,507
76$27,180,541$0$0$20,337,763
77$29,828,475$0$0$22,321,066
78$32,742,578$0$0$24,503,795
79$35,949,873$0$0$26,906,201
80$39,480,141$0$0$29,550,597
81$43,366,193$0$0$32,461,570
82$47,644,183$0$0$35,666,212
83$52,353,949$0$0$39,194,374
84$57,539,388$0$0$43,078,951
85$63,248,870$0$0$47,356,188
86$69,535,694$0$0$52,066,022
87$76,458,590$0$0$57,252,464
88$84,082,275$0$0$62,964,009
89$92,478,060$0$0$69,254,092
90$101,724,526$0$0$76,181,598
91$111,908,263$0$0$83,811,412
92$123,124,688$0$0$92,215,035
93$135,478,945$0$0$101,471,256
94$149,086,896$0$0$111,666,896
95$164,076,213$0$0$122,897,626
96$180,587,589$0$0$135,268,873
97$198,776,057$0$0$148,896,811
98$218,812,456$0$0$163,909,460
99$240,885,048$0$0$180,447,893
100$265,201,287$0$0$198,667,565