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%11.1%
1 years$72,174$71,531$70,904$70,292$69,694$69,371
2 years$35,730$35,064$34,419$33,794$33,188$32,862
3 years$23,583$22,915$22,272$21,652$21,056$20,737
4 years$17,511$16,845$16,208$15,599$15,017$14,708
5 years$13,869$13,207$12,578$11,982$11,416$11,117
6 years$11,441$10,784$10,165$9,582$9,033$8,745
7 years$9,708$9,057$8,447$7,878$7,346$7,069
8 years$8,409$7,763$7,164$6,608$6,094$5,828
9 years$7,399$6,759$6,170$5,629$5,132$4,877
10 years$6,591$5,958$5,379$4,852$4,373$4,129
11 years$5,931$5,304$4,736$4,223$3,761$3,527
12 years$5,381$4,761$4,203$3,704$3,259$3,036
13 years$4,916$4,302$3,755$3,270$2,842$2,629
14 years$4,518$3,911$3,374$2,903$2,491$2,288
15 years$4,174$3,572$3,046$2,589$2,194$2,000
16 years$3,872$3,278$2,762$2,318$1,939$1,755
17 years$3,607$3,019$2,513$2,083$1,719$1,544
18 years$3,371$2,789$2,294$1,877$1,528$1,363
19 years$3,160$2,585$2,100$1,696$1,362$1,205
20 years$2,970$2,402$1,927$1,536$1,217$1,068
21 years$2,799$2,238$1,773$1,394$1,089$948
22 years$2,644$2,089$1,634$1,268$976$843
23 years$2,502$1,953$1,509$1,154$876$751
24 years$2,372$1,830$1,395$1,053$788$669
25 years$2,253$1,718$1,292$962$709$597
26 years$2,144$1,614$1,199$879$638$533
27 years$2,042$1,519$1,113$805$576$477
28 years$1,948$1,432$1,035$737$519$427
29 years$1,861$1,351$963$676$469$382
30 years$1,779$1,275$897$620$424$342
31 years$1,703$1,206$836$570$383$306
32 years$1,632$1,141$780$524$346$275
33 years$1,565$1,080$728$482$314$246
34 years$1,503$1,024$681$443$284$221
35 years$1,444$971$636$408$257$198
36 years$1,388$922$595$376$233$178
37 years$1,336$876$557$346$211$160
38 years$1,286$832$522$319$191$144
39 years$1,239$791$489$294$174$129
40 years$1,195$753$458$271$157$116
41 years$1,153$717$430$250$143$104
42 years$1,113$682$403$231$130$94
43 years$1,075$650$378$213$118$84
44 years$1,038$620$355$197$107$76
45 years$1,004$591$333$182$97$68
46 years$971$564$313$168$88$61
47 years$940$538$294$155$80$55
48 years$910$514$276$143$73$50
49 years$881$490$260$133$66$45
50 years$853$469$244$123$60$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $874,000, adding $2,073 every year, while hoping to spend $33,088 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: 50/39/11 Blend
34$874,000$874,000$874,000$874,000
35$965,286$918,964$905,417$1,010,605
36$1,028,540$928,788$900,543$1,051,678
37$1,097,137$937,984$894,397$1,092,621
38$1,171,587$946,487$886,901$1,136,353
39$1,252,450$954,227$877,974$1,183,148
40$1,340,345$961,129$867,531$1,233,304
41$1,435,949$967,114$855,483$1,287,153
42$1,540,010$972,096$841,736$1,345,062
43$1,653,350$975,988$826,192$1,407,436
44$1,776,872$978,692$808,750$1,474,722
45$1,911,573$980,107$789,303$1,547,415
46$2,058,547$980,126$767,738$1,626,061
47$2,218,999$978,633$743,938$1,711,266
48$2,394,259$975,507$717,782$1,803,697
49$2,585,785$970,619$689,140$1,904,091
50$2,795,188$963,832$657,878$2,013,264
51$3,024,238$955,001$623,858$2,132,116
52$3,274,885$943,971$586,932$2,261,642
53$3,549,277$930,579$546,948$2,402,942
54$3,849,778$914,652$503,745$2,557,229
55$4,178,991$896,006$457,157$2,725,844
56$4,539,786$874,448$407,009$2,910,269
57$4,935,319$849,771$353,119$3,112,138
58$5,369,070$821,758$295,297$3,333,258
59$5,844,869$790,178$233,344$3,575,622
60$6,366,937$754,788$167,052$3,841,434
61$6,939,921$715,329$96,205$4,133,123
62$7,568,942$671,529$20,576$4,453,374
63$8,259,639$623,099$0$4,805,150
64$9,018,225$569,734$0$5,198,779
65$9,851,544$511,110$0$5,633,849
66$10,767,136$446,889$0$6,111,958
67$11,773,305$376,709$0$6,637,534
68$12,879,204$300,189$0$7,215,463
69$14,094,913$216,928$0$7,851,137
70$15,431,538$126,501$0$8,550,499
71$16,901,315$28,461$0$9,320,110
72$18,517,727$0$0$10,167,204
73$20,295,625$0$0$11,133,091
74$22,251,375$0$0$12,209,140
75$24,403,008$0$0$13,393,072
76$26,770,390$0$0$14,695,831
77$29,375,411$0$0$16,129,475
78$32,242,189$0$0$17,707,294
79$35,397,298$0$0$19,443,928
80$38,870,021$0$0$21,355,508
81$42,692,620$0$0$23,459,812
82$46,900,647$0$0$25,776,424
83$51,533,275$0$0$28,326,928
84$56,633,666$0$0$31,135,105
85$62,249,383$0$0$34,227,158
86$68,432,835$0$0$37,631,964
87$75,241,769$0$0$41,381,340
88$82,739,823$0$0$45,510,345
89$90,997,114$0$0$50,057,615
90$100,090,910$0$0$55,065,721
91$110,106,355$0$0$60,581,573
92$121,137,270$0$0$66,656,865
93$133,287,040$0$0$73,348,561
94$146,669,590$0$0$80,719,429
95$161,410,459$0$0$88,838,639
96$177,647,985$0$0$97,782,413
97$195,534,609$0$0$107,634,741
98$215,238,314$0$0$118,488,181
99$236,944,211$0$0$130,444,724
100$260,856,285$0$0$143,616,763