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%19.5%
1 years$72,092$71,449$70,823$70,211$69,614$66,958
2 years$35,689$35,024$34,380$33,755$33,150$30,505
3 years$23,556$22,889$22,246$21,627$21,031$18,481
4 years$17,491$16,826$16,190$15,581$15,000$12,564
5 years$13,853$13,191$12,564$11,968$11,403$9,087
6 years$11,428$10,772$10,153$9,571$9,023$6,828
7 years$9,697$9,046$8,437$7,869$7,338$5,265
8 years$8,399$7,754$7,156$6,601$6,087$4,134
9 years$7,390$6,751$6,163$5,623$5,126$3,289
10 years$6,584$5,951$5,373$4,847$4,368$2,644
11 years$5,924$5,298$4,730$4,218$3,757$2,142
12 years$5,375$4,755$4,198$3,700$3,255$1,745
13 years$4,911$4,297$3,751$3,266$2,839$1,429
14 years$4,513$3,906$3,370$2,900$2,488$1,175
15 years$4,169$3,568$3,043$2,586$2,191$969
16 years$3,868$3,274$2,759$2,315$1,936$801
17 years$3,602$3,015$2,510$2,080$1,717$664
18 years$3,367$2,786$2,292$1,875$1,527$551
19 years$3,156$2,582$2,098$1,694$1,361$458
20 years$2,967$2,399$1,925$1,534$1,215$381
21 years$2,796$2,235$1,771$1,392$1,088$317
22 years$2,641$2,086$1,632$1,266$975$265
23 years$2,499$1,951$1,507$1,153$875$221
24 years$2,370$1,828$1,394$1,052$787$184
25 years$2,251$1,716$1,291$960$708$154
26 years$2,141$1,612$1,197$878$638$128
27 years$2,040$1,517$1,112$804$575$107
28 years$1,946$1,430$1,033$736$519$90
29 years$1,858$1,349$962$675$468$75
30 years$1,777$1,274$896$620$423$63
31 years$1,701$1,204$835$569$383$52
32 years$1,630$1,140$779$523$346$44
33 years$1,563$1,079$728$481$313$37
34 years$1,501$1,023$680$443$284$31
35 years$1,442$970$636$407$257$26
36 years$1,387$921$595$375$233$21
37 years$1,334$875$556$346$211$18
38 years$1,285$831$521$319$191$15
39 years$1,238$790$488$294$173$13
40 years$1,194$752$458$271$157$11
41 years$1,151$716$429$250$143$9
42 years$1,111$682$403$231$129$7
43 years$1,073$649$378$213$118$6
44 years$1,037$619$355$197$107$5
45 years$1,003$590$333$182$97$4
46 years$970$563$313$168$88$4
47 years$938$537$294$155$80$3
48 years$908$513$276$143$73$3
49 years$880$490$259$132$66$2
50 years$852$468$244$122$60$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $873,000, adding $4,647 every year, while hoping to spend $35,967 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: 45/48/7 Blend
34$873,000$873,000$873,000$873,000
35$966,839$920,570$907,039$1,008,257
36$1,027,188$927,410$899,156$1,044,148
37$1,092,488$933,379$889,804$1,078,945
38$1,163,204$938,397$878,895$1,115,840
39$1,239,850$942,378$866,338$1,155,037
40$1,322,992$945,232$852,037$1,196,764
41$1,413,249$946,860$835,892$1,241,273
42$1,511,305$947,161$817,799$1,288,842
43$1,617,911$946,024$797,648$1,339,782
44$1,733,893$943,334$775,324$1,394,436
45$1,860,160$938,967$750,707$1,453,183
46$1,997,712$932,793$723,672$1,516,445
47$2,147,652$924,672$694,088$1,584,688
48$2,311,189$914,458$661,816$1,658,430
49$2,489,658$901,995$626,715$1,738,244
50$2,684,527$887,116$588,634$1,824,762
51$2,897,412$869,648$547,416$1,918,688
52$3,130,092$849,404$502,898$2,020,798
53$3,384,524$826,189$454,909$2,131,952
54$3,662,867$799,793$403,269$2,253,102
55$3,967,494$769,997$347,793$2,385,301
56$4,301,020$736,569$288,286$2,529,715
57$4,666,324$699,260$224,543$2,687,634
58$5,066,576$657,812$156,353$2,860,482
59$5,505,270$611,948$83,494$3,049,836
60$5,986,250$561,376$5,734$3,257,442
61$6,513,753$505,789$0$3,485,225
62$7,092,444$444,860$0$3,741,089
63$7,727,461$378,246$0$4,022,451
64$8,424,465$305,583$0$4,331,506
65$9,189,690$226,487$0$4,671,153
66$10,030,006$140,551$0$5,044,594
67$10,952,977$47,349$0$5,455,364
68$11,966,938$0$0$5,907,369
69$13,081,071$0$0$6,433,219
70$14,305,491$0$0$7,038,718
71$15,651,342$0$0$7,704,381
72$17,130,900$0$0$8,436,295
73$18,757,692$0$0$9,241,165
74$20,546,619$0$0$10,126,379
75$22,514,099$0$0$11,100,078
76$24,678,221$0$0$12,171,229
77$27,058,915$0$0$13,349,715
78$29,678,142$0$0$14,646,422
79$32,560,094$0$0$16,073,347
80$35,731,432$0$0$17,643,707
81$39,221,527$0$0$19,372,067
82$43,062,746$0$0$21,274,473
83$47,290,748$0$0$23,368,609
84$51,944,827$0$0$25,673,956
85$57,068,281$0$0$28,211,984
86$62,708,818$0$0$31,006,349
87$68,919,006$0$0$34,083,116
88$75,756,770$0$0$37,471,008
89$83,285,939$0$0$41,201,675
90$91,576,846$0$0$45,309,991
91$100,706,991$0$0$49,834,387
92$110,761,775$0$0$54,817,208
93$121,835,300$0$0$60,305,118
94$134,031,263$0$0$66,349,536
95$147,463,930$0$0$73,007,124
96$162,259,216$0$0$80,340,319
97$178,555,871$0$0$88,417,924
98$196,506,791$0$0$97,315,755
99$216,280,458$0$0$107,117,360
100$238,062,534$0$0$117,914,803