Can I retire at age 35 with 873,000?

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 $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%18.5%
1 years$72,092$71,449$70,823$70,211$69,614$67,225
2 years$35,689$35,024$34,380$33,755$33,150$30,766
3 years$23,556$22,889$22,246$21,627$21,031$18,730
4 years$17,491$16,826$16,190$15,581$15,000$12,797
5 years$13,853$13,191$12,564$11,968$11,403$9,304
6 years$11,428$10,772$10,153$9,571$9,023$7,031
7 years$9,697$9,046$8,437$7,869$7,338$5,452
8 years$8,399$7,754$7,156$6,601$6,087$4,306
9 years$7,390$6,751$6,163$5,623$5,126$3,447
10 years$6,584$5,951$5,373$4,847$4,368$2,789
11 years$5,924$5,298$4,730$4,218$3,757$2,274
12 years$5,375$4,755$4,198$3,700$3,255$1,865
13 years$4,911$4,297$3,751$3,266$2,839$1,538
14 years$4,513$3,906$3,370$2,900$2,488$1,273
15 years$4,169$3,568$3,043$2,586$2,191$1,058
16 years$3,868$3,274$2,759$2,315$1,936$881
17 years$3,602$3,015$2,510$2,080$1,717$735
18 years$3,367$2,786$2,292$1,875$1,527$615
19 years$3,156$2,582$2,098$1,694$1,361$515
20 years$2,967$2,399$1,925$1,534$1,215$432
21 years$2,796$2,235$1,771$1,392$1,088$362
22 years$2,641$2,086$1,632$1,266$975$304
23 years$2,499$1,951$1,507$1,153$875$256
24 years$2,370$1,828$1,394$1,052$787$215
25 years$2,251$1,716$1,291$960$708$181
26 years$2,141$1,612$1,197$878$638$153
27 years$2,040$1,517$1,112$804$575$128
28 years$1,946$1,430$1,033$736$519$108
29 years$1,858$1,349$962$675$468$91
30 years$1,777$1,274$896$620$423$77
31 years$1,701$1,204$835$569$383$65
32 years$1,630$1,140$779$523$346$55
33 years$1,563$1,079$728$481$313$46
34 years$1,501$1,023$680$443$284$39
35 years$1,442$970$636$407$257$33
36 years$1,387$921$595$375$233$28
37 years$1,334$875$556$346$211$23
38 years$1,285$831$521$319$191$20
39 years$1,238$790$488$294$173$17
40 years$1,194$752$458$271$157$14
41 years$1,151$716$429$250$143$12
42 years$1,111$682$403$231$129$10
43 years$1,073$649$378$213$118$8
44 years$1,037$619$355$197$107$7
45 years$1,003$590$333$182$97$6
46 years$970$563$313$168$88$5
47 years$938$537$294$155$80$4
48 years$908$513$276$143$73$4
49 years$880$490$259$132$66$3
50 years$852$468$244$122$60$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $873,000, adding $3,599 every year, while hoping to spend $26,362 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: 52/35/13 Blend
34$873,000$873,000$873,000$873,000
35$965,758$919,489$905,958$1,012,452
36$1,036,217$936,495$908,258$1,061,748
37$1,112,978$953,451$909,753$1,112,227
38$1,196,658$970,326$910,385$1,166,528
39$1,287,933$987,088$910,099$1,225,018
40$1,387,549$1,003,702$908,834$1,288,104
41$1,496,325$1,020,130$906,526$1,356,233
42$1,615,165$1,036,330$903,109$1,429,898
43$1,745,062$1,052,261$898,513$1,509,645
44$1,887,110$1,067,874$892,666$1,596,073
45$2,042,515$1,083,119$885,490$1,689,844
46$2,212,604$1,097,944$876,906$1,791,689
47$2,398,837$1,112,291$866,830$1,902,411
48$2,602,822$1,126,097$855,173$2,022,898
49$2,826,333$1,139,299$841,844$2,154,130
50$3,071,319$1,151,824$826,745$2,297,186
51$3,339,930$1,163,600$809,778$2,453,256
52$3,634,532$1,174,546$790,835$2,623,653
53$3,957,732$1,184,577$769,806$2,809,826
54$4,312,402$1,193,602$746,575$3,013,370
55$4,701,704$1,201,526$721,023$3,236,047
56$5,129,122$1,208,245$693,021$3,479,798
57$5,598,494$1,213,650$662,439$3,746,765
58$6,114,047$1,217,626$629,137$4,039,309
59$6,680,439$1,220,048$592,972$4,360,035
60$7,302,799$1,220,786$553,792$4,711,814
61$7,986,780$1,219,700$511,440$5,097,812
62$8,738,609$1,216,643$465,751$5,521,522
63$9,565,146$1,211,457$416,552$5,986,794
64$10,473,948$1,203,975$363,663$6,497,873
65$11,473,342$1,194,022$306,898$7,059,442
66$12,572,502$1,181,408$246,058$7,676,662
67$13,781,537$1,165,937$180,941$8,355,225
68$15,111,582$1,147,396$111,331$9,101,406
69$16,574,909$1,125,564$37,005$9,922,127
70$18,185,035$1,100,202$0$10,825,015
71$19,956,859$1,071,062$0$11,824,352
72$21,906,792$1,037,878$0$12,929,402
73$24,052,921$1,000,369$0$14,145,286
74$26,415,171$958,239$0$15,483,315
75$29,015,499$911,174$0$16,955,956
76$31,878,099$858,840$0$18,576,948
77$35,029,629$800,888$0$20,361,441
78$38,499,464$736,945$0$22,326,130
79$42,319,972$666,618$0$24,489,419
80$46,526,819$589,492$0$26,871,594
81$51,159,306$505,128$0$29,495,013
82$56,260,740$413,064$0$32,384,324
83$61,878,840$312,808$0$35,566,691
84$68,066,190$203,845$0$39,072,058
85$74,880,736$85,627$0$42,933,427
86$82,386,326$0$0$47,187,175
87$90,653,321$0$0$51,889,737
88$99,759,252$0$0$57,105,965
89$109,789,556$0$0$62,851,838
90$120,838,379$0$0$69,181,304
91$133,009,466$0$0$76,153,810
92$146,417,140$0$0$83,834,867
93$161,187,379$0$0$92,296,662
94$177,459,006$0$0$101,618,745
95$195,385,000$0$0$111,888,778
96$215,133,939$0$0$123,203,358
97$236,891,589$0$0$135,668,937
98$260,862,661$0$0$149,402,818
99$287,272,737$0$0$164,534,268
100$316,370,407$0$0$181,205,735