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%11.2%
1 years$72,092$71,449$70,823$70,211$69,614$69,263
2 years$35,689$35,024$34,380$33,755$33,150$32,795
3 years$23,556$22,889$22,246$21,627$21,031$20,684
4 years$17,491$16,826$16,190$15,581$15,000$14,663
5 years$13,853$13,191$12,564$11,968$11,403$11,077
6 years$11,428$10,772$10,153$9,571$9,023$8,709
7 years$9,697$9,046$8,437$7,869$7,338$7,036
8 years$8,399$7,754$7,156$6,601$6,087$5,798
9 years$7,390$6,751$6,163$5,623$5,126$4,849
10 years$6,584$5,951$5,373$4,847$4,368$4,102
11 years$5,924$5,298$4,730$4,218$3,757$3,503
12 years$5,375$4,755$4,198$3,700$3,255$3,013
13 years$4,911$4,297$3,751$3,266$2,839$2,607
14 years$4,513$3,906$3,370$2,900$2,488$2,268
15 years$4,169$3,568$3,043$2,586$2,191$1,981
16 years$3,868$3,274$2,759$2,315$1,936$1,737
17 years$3,602$3,015$2,510$2,080$1,717$1,528
18 years$3,367$2,786$2,292$1,875$1,527$1,347
19 years$3,156$2,582$2,098$1,694$1,361$1,191
20 years$2,967$2,399$1,925$1,534$1,215$1,054
21 years$2,796$2,235$1,771$1,392$1,088$935
22 years$2,641$2,086$1,632$1,266$975$831
23 years$2,499$1,951$1,507$1,153$875$739
24 years$2,370$1,828$1,394$1,052$787$659
25 years$2,251$1,716$1,291$960$708$587
26 years$2,141$1,612$1,197$878$638$524
27 years$2,040$1,517$1,112$804$575$468
28 years$1,946$1,430$1,033$736$519$418
29 years$1,858$1,349$962$675$468$374
30 years$1,777$1,274$896$620$423$335
31 years$1,701$1,204$835$569$383$300
32 years$1,630$1,140$779$523$346$269
33 years$1,563$1,079$728$481$313$241
34 years$1,501$1,023$680$443$284$216
35 years$1,442$970$636$407$257$194
36 years$1,387$921$595$375$233$174
37 years$1,334$875$556$346$211$156
38 years$1,285$831$521$319$191$140
39 years$1,238$790$488$294$173$125
40 years$1,194$752$458$271$157$113
41 years$1,151$716$429$250$143$101
42 years$1,111$682$403$231$129$91
43 years$1,073$649$378$213$118$82
44 years$1,037$619$355$197$107$73
45 years$1,003$590$333$182$97$66
46 years$970$563$313$168$88$59
47 years$938$537$294$155$80$53
48 years$908$513$276$143$73$48
49 years$880$490$259$132$66$43
50 years$852$468$244$122$60$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $873,000, adding $6,233 every year, while hoping to spend $22,892 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: 55/24/21 Blend
34$873,000$873,000$873,000$873,000
35$968,475$922,206$908,675$1,015,900
36$1,042,903$943,038$914,759$1,069,881
37$1,124,155$964,122$920,279$1,125,692
38$1,212,903$985,449$925,193$1,185,977
39$1,309,887$1,007,004$929,455$1,251,172
40$1,415,922$1,028,773$933,017$1,321,757
41$1,531,903$1,050,740$935,831$1,398,259
42$1,658,819$1,072,888$937,843$1,481,263
43$1,797,756$1,095,197$938,998$1,571,409
44$1,949,911$1,117,646$939,238$1,669,405
45$2,116,603$1,140,211$938,504$1,776,032
46$2,299,283$1,162,868$936,730$1,892,150
47$2,499,550$1,185,589$933,851$2,018,705
48$2,719,165$1,208,344$929,796$2,156,744
49$2,960,068$1,231,101$924,492$2,307,416
50$3,224,394$1,253,824$917,862$2,471,993
51$3,514,498$1,276,477$909,826$2,651,872
52$3,832,970$1,299,018$900,299$2,848,597
53$4,182,667$1,321,403$889,192$3,063,867
54$4,566,732$1,343,585$876,413$3,299,558
55$4,988,631$1,365,513$861,866$3,557,735
56$5,452,181$1,387,133$845,448$3,840,676
57$5,961,587$1,408,385$827,053$4,150,891
58$6,521,480$1,429,208$806,571$4,491,149
59$7,136,964$1,449,532$783,884$4,864,501
60$7,813,662$1,469,287$758,872$5,274,310
61$8,557,768$1,488,394$731,407$5,724,283
62$9,376,107$1,506,772$701,355$6,218,508
63$10,276,198$1,524,332$668,579$6,761,489
64$11,266,326$1,540,980$632,932$7,358,193
65$12,355,618$1,556,615$594,262$8,014,094
66$13,554,132$1,571,131$552,411$8,735,225
67$14,872,950$1,584,412$507,213$9,528,240
68$16,324,280$1,596,337$458,493$10,400,470
69$17,921,575$1,606,777$406,072$11,359,997
70$19,679,660$1,615,593$349,759$12,415,730
71$21,614,867$1,622,639$289,358$13,577,489
72$23,745,194$1,627,758$224,662$14,856,097
73$26,090,470$1,630,785$155,454$16,263,486
74$28,672,548$1,631,543$81,512$17,812,807
75$31,515,504$1,629,845$2,599$19,518,555
76$34,645,870$1,625,492$0$21,396,708
77$38,092,880$1,618,273$0$23,483,164
78$41,888,750$1,607,963$0$25,780,856
79$46,068,975$1,594,327$0$28,310,656
80$50,672,672$1,577,110$0$31,096,208
81$55,742,943$1,556,047$0$34,163,570
82$61,327,284$1,530,854$0$37,541,456
83$67,478,032$1,501,231$0$41,261,512
84$74,252,860$1,466,860$0$45,358,614
85$81,715,321$1,427,406$0$49,871,195
86$89,935,447$1,382,511$0$54,841,612
87$98,990,407$1,331,799$0$60,316,542
88$108,965,242$1,274,871$0$66,347,427
89$119,953,662$1,211,305$0$72,990,958
90$132,058,930$1,140,653$0$80,309,610
91$145,394,841$1,062,445$0$88,372,233
92$160,086,790$976,180$0$97,254,705
93$176,272,961$881,331$0$107,040,645
94$194,105,627$777,340$0$117,822,204
95$213,752,588$663,618$0$129,700,938
96$235,398,758$539,541$0$142,788,764
97$259,247,904$404,451$0$157,209,020
98$285,524,575$257,654$0$173,097,629
99$314,476,218$98,415$0$190,604,384
100$346,375,515$0$0$209,894,362