Can I retire at age 35 with 874,000?

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 $874,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$72,174$71,531$70,904$70,292$69,694$67,463
2 years$35,730$35,064$34,419$33,794$33,188$30,961
3 years$23,583$22,915$22,272$21,652$21,056$18,902
4 years$17,511$16,845$16,208$15,599$15,017$12,954
5 years$13,869$13,207$12,578$11,982$11,416$9,448
6 years$11,441$10,784$10,165$9,582$9,033$7,163
7 years$9,708$9,057$8,447$7,878$7,346$5,574
8 years$8,409$7,763$7,164$6,608$6,094$4,418
9 years$7,399$6,759$6,170$5,629$5,132$3,550
10 years$6,591$5,958$5,379$4,852$4,373$2,882
11 years$5,931$5,304$4,736$4,223$3,761$2,359
12 years$5,381$4,761$4,203$3,704$3,259$1,943
13 years$4,916$4,302$3,755$3,270$2,842$1,609
14 years$4,518$3,911$3,374$2,903$2,491$1,338
15 years$4,174$3,572$3,046$2,589$2,194$1,116
16 years$3,872$3,278$2,762$2,318$1,939$933
17 years$3,607$3,019$2,513$2,083$1,719$782
18 years$3,371$2,789$2,294$1,877$1,528$657
19 years$3,160$2,585$2,100$1,696$1,362$553
20 years$2,970$2,402$1,927$1,536$1,217$466
21 years$2,799$2,238$1,773$1,394$1,089$393
22 years$2,644$2,089$1,634$1,268$976$331
23 years$2,502$1,953$1,509$1,154$876$280
24 years$2,372$1,830$1,395$1,053$788$237
25 years$2,253$1,718$1,292$962$709$200
26 years$2,144$1,614$1,199$879$638$169
27 years$2,042$1,519$1,113$805$576$143
28 years$1,948$1,432$1,035$737$519$121
29 years$1,861$1,351$963$676$469$103
30 years$1,779$1,275$897$620$424$87
31 years$1,703$1,206$836$570$383$74
32 years$1,632$1,141$780$524$346$62
33 years$1,565$1,080$728$482$314$53
34 years$1,503$1,024$681$443$284$45
35 years$1,444$971$636$408$257$38
36 years$1,388$922$595$376$233$32
37 years$1,336$876$557$346$211$27
38 years$1,286$832$522$319$191$23
39 years$1,239$791$489$294$174$20
40 years$1,195$753$458$271$157$17
41 years$1,153$717$430$250$143$14
42 years$1,113$682$403$231$130$12
43 years$1,075$650$378$213$118$10
44 years$1,038$620$355$197$107$9
45 years$1,004$591$333$182$97$7
46 years$971$564$313$168$88$6
47 years$940$538$294$155$80$5
48 years$910$514$276$143$73$4
49 years$881$490$260$133$66$4
50 years$853$469$244$123$60$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $874,000, adding $2,905 every year, while hoping to spend $51,411 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: 72/14/14 Blend
34$874,000$874,000$874,000$874,000
35$966,145$919,823$906,276$1,032,537
36$1,009,990$910,193$881,935$1,067,294
37$1,056,585$898,368$855,056$1,098,785
38$1,106,156$884,187$825,499$1,131,908
39$1,158,949$867,478$793,118$1,166,813
40$1,215,236$848,058$757,762$1,203,666
41$1,275,314$825,737$719,270$1,242,653
42$1,339,507$800,309$677,478$1,283,976
43$1,408,173$771,560$632,209$1,327,862
44$1,481,701$739,262$583,283$1,374,563
45$1,560,522$703,172$530,510$1,424,354
46$1,645,104$663,037$473,691$1,477,543
47$1,735,964$618,585$412,619$1,534,470
48$1,833,668$569,531$347,077$1,595,511
49$1,938,838$515,574$276,840$1,661,082
50$2,052,156$456,394$201,671$1,731,645
51$2,174,373$391,654$121,324$1,807,710
52$2,306,312$320,999$35,542$1,889,841
53$2,448,879$244,051$0$1,978,662
54$2,603,069$160,413$0$2,083,230
55$2,769,974$69,666$0$2,202,153
56$2,950,798$0$0$2,331,004
57$3,146,862$0$0$2,475,174
58$3,359,619$0$0$2,643,302
59$3,590,669$0$0$2,825,922
60$3,841,769$0$0$3,024,428
61$4,114,855$0$0$3,240,356
62$4,412,053$0$0$3,475,393
63$4,735,707$0$0$3,731,395
64$5,088,392$0$0$4,010,408
65$5,472,946$0$0$4,314,679
66$5,892,488$0$0$4,646,686
67$6,350,454$0$0$5,009,152
68$6,850,626$0$0$5,405,078
69$7,397,168$0$0$5,837,765
70$7,994,661$0$0$6,310,850
71$8,648,153$0$0$6,828,335
72$9,363,199$0$0$7,394,627
73$10,145,917$0$0$8,014,580
74$11,003,044$0$0$8,693,538
75$11,941,999$0$0$9,437,385
76$12,970,951$0$0$10,252,604
77$14,098,899$0$0$11,146,333
78$15,335,752$0$0$12,126,432
79$16,692,426$0$0$13,201,562
80$18,180,941$0$0$14,381,259
81$19,814,541$0$0$15,676,029
82$21,607,811$0$0$17,097,444
83$23,576,818$0$0$18,658,251
84$25,739,262$0$0$20,372,491
85$28,114,639$0$0$22,255,634
86$30,724,430$0$0$24,324,719
87$33,592,295$0$0$26,598,520
88$36,744,302$0$0$29,097,718
89$40,209,171$0$0$31,845,097
90$44,018,539$0$0$34,865,761
91$48,207,267$0$0$38,187,366
92$52,813,758$0$0$41,840,380
93$57,880,326$0$0$45,858,377
94$63,453,590$0$0$50,278,342
95$69,584,915$0$0$55,141,030
96$76,330,896$0$0$60,491,343
97$83,753,888$0$0$66,378,754
98$91,922,600$0$0$72,857,776
99$100,912,732$0$0$79,988,472
100$110,807,701$0$0$87,837,024