Can I retire at age 35 with 874,000?

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 $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%14.8%
1 years$72,174$71,531$70,904$70,292$69,694$68,315
2 years$35,730$35,064$34,419$33,794$33,188$31,804
3 years$23,583$22,915$22,272$21,652$21,056$19,711
4 years$17,511$16,845$16,208$15,599$15,017$13,721
5 years$13,869$13,207$12,578$11,982$11,416$10,172
6 years$11,441$10,784$10,165$9,582$9,033$7,844
7 years$9,708$9,057$8,447$7,878$7,346$6,211
8 years$8,409$7,763$7,164$6,608$6,094$5,013
9 years$7,399$6,759$6,170$5,629$5,132$4,105
10 years$6,591$5,958$5,379$4,852$4,373$3,398
11 years$5,931$5,304$4,736$4,223$3,761$2,837
12 years$5,381$4,761$4,203$3,704$3,259$2,385
13 years$4,916$4,302$3,755$3,270$2,842$2,016
14 years$4,518$3,911$3,374$2,903$2,491$1,712
15 years$4,174$3,572$3,046$2,589$2,194$1,460
16 years$3,872$3,278$2,762$2,318$1,939$1,248
17 years$3,607$3,019$2,513$2,083$1,719$1,070
18 years$3,371$2,789$2,294$1,877$1,528$920
19 years$3,160$2,585$2,100$1,696$1,362$792
20 years$2,970$2,402$1,927$1,536$1,217$683
21 years$2,799$2,238$1,773$1,394$1,089$590
22 years$2,644$2,089$1,634$1,268$976$510
23 years$2,502$1,953$1,509$1,154$876$441
24 years$2,372$1,830$1,395$1,053$788$382
25 years$2,253$1,718$1,292$962$709$331
26 years$2,144$1,614$1,199$879$638$287
27 years$2,042$1,519$1,113$805$576$249
28 years$1,948$1,432$1,035$737$519$217
29 years$1,861$1,351$963$676$469$188
30 years$1,779$1,275$897$620$424$163
31 years$1,703$1,206$836$570$383$142
32 years$1,632$1,141$780$524$346$124
33 years$1,565$1,080$728$482$314$107
34 years$1,503$1,024$681$443$284$93
35 years$1,444$971$636$408$257$81
36 years$1,388$922$595$376$233$71
37 years$1,336$876$557$346$211$62
38 years$1,286$832$522$319$191$54
39 years$1,239$791$489$294$174$47
40 years$1,195$753$458$271$157$41
41 years$1,153$717$430$250$143$35
42 years$1,113$682$403$231$130$31
43 years$1,075$650$378$213$118$27
44 years$1,038$620$355$197$107$23
45 years$1,004$591$333$182$97$20
46 years$971$564$313$168$88$18
47 years$940$538$294$155$80$15
48 years$910$514$276$143$73$13
49 years$881$490$260$133$66$12
50 years$853$469$244$123$60$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $874,000, adding $4,443 every year, while hoping to spend $28,641 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: 47/36/17 Blend
34$874,000$874,000$874,000$874,000
35$967,731$921,409$907,862$1,008,368
36$1,035,966$936,084$907,802$1,051,739
37$1,110,200$950,519$906,779$1,095,528
38$1,191,017$964,670$904,732$1,142,441
39$1,279,056$978,494$901,596$1,192,782
40$1,375,020$991,941$897,300$1,246,885
41$1,479,687$1,004,961$891,774$1,305,119
42$1,593,909$1,017,497$884,942$1,367,893
43$1,718,625$1,029,492$876,725$1,435,657
44$1,854,869$1,040,882$867,040$1,508,908
45$2,003,780$1,051,600$855,801$1,588,195
46$2,166,611$1,061,573$842,915$1,674,125
47$2,344,742$1,070,727$828,289$1,767,366
48$2,539,692$1,078,979$811,823$1,868,658
49$2,753,134$1,086,242$793,413$1,978,816
50$2,986,910$1,092,425$772,949$2,098,740
51$3,243,050$1,097,429$750,318$2,229,424
52$3,523,788$1,101,149$725,400$2,371,966
53$3,831,584$1,103,475$698,071$2,527,575
54$4,169,149$1,104,289$668,200$2,697,588
55$4,539,468$1,103,465$635,650$2,883,481
56$4,945,830$1,100,871$600,280$3,086,881
57$5,391,855$1,096,364$561,940$3,309,584
58$5,881,533$1,089,795$520,474$3,553,574
59$6,419,260$1,081,005$475,721$3,821,037
60$7,009,876$1,069,826$427,508$4,114,387
61$7,658,714$1,056,078$375,660$4,436,289
62$8,371,649$1,039,572$319,991$4,789,681
63$9,155,153$1,020,107$260,307$5,177,806
64$10,016,357$997,471$196,406$5,604,241
65$10,963,117$971,438$128,077$6,072,932
66$12,004,086$941,769$55,098$6,588,234
67$13,148,800$908,213$0$7,154,949
68$14,407,764$870,503$0$7,782,509
69$15,792,553$828,354$0$8,483,560
70$17,315,919$781,469$0$9,254,587
71$18,991,913$729,532$0$10,102,750
72$20,836,017$672,207$0$11,035,940
73$22,865,287$609,141$0$12,062,858
74$25,098,518$539,961$0$13,193,097
75$27,556,419$464,272$0$14,437,233
76$30,261,809$381,656$0$15,806,928
77$33,239,830$291,674$0$17,315,036
78$36,518,185$193,858$0$18,975,731
79$40,127,401$87,718$0$20,804,637
80$44,101,115$0$0$22,818,980
81$48,476,390$0$0$25,048,549
82$53,294,067$0$0$27,541,949
83$58,599,149$0$0$30,287,736
84$64,441,227$0$0$33,311,593
85$70,874,942$0$0$36,641,821
86$77,960,509$0$0$40,309,605
87$85,764,277$0$0$44,349,307
88$94,359,362$0$0$48,798,795
89$103,826,330$0$0$53,699,795
90$114,253,962$0$0$59,098,288
91$125,740,088$0$0$65,044,942
92$138,392,514$0$0$71,595,592
93$152,330,036$0$0$78,811,764
94$167,683,563$0$0$86,761,259
95$184,597,348$0$0$95,518,789
96$203,230,357$0$0$105,166,685
97$223,757,761$0$0$115,795,674
98$246,372,594$0$0$127,505,732
99$271,287,574$0$0$140,407,031
100$298,737,109$0$0$154,620,978