Can I retire at age 35 with 875,000?

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 $875,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$72,257$71,613$70,985$70,372$69,774$67,111
2 years$35,771$35,104$34,459$33,833$33,226$30,575
3 years$23,610$22,941$22,297$21,677$21,080$18,524
4 years$17,531$16,864$16,227$15,617$15,034$12,592
5 years$13,885$13,222$12,593$11,995$11,429$9,108
6 years$11,455$10,797$10,177$9,593$9,043$6,844
7 years$9,719$9,067$8,457$7,887$7,355$5,277
8 years$8,419$7,772$7,172$6,616$6,101$4,143
9 years$7,407$6,767$6,177$5,635$5,138$3,297
10 years$6,599$5,965$5,385$4,858$4,378$2,650
11 years$5,938$5,310$4,741$4,228$3,765$2,147
12 years$5,387$4,766$4,208$3,708$3,263$1,749
13 years$4,922$4,307$3,759$3,274$2,845$1,433
14 years$4,523$3,915$3,378$2,906$2,494$1,178
15 years$4,178$3,576$3,050$2,592$2,196$971
16 years$3,877$3,281$2,765$2,321$1,941$803
17 years$3,611$3,022$2,516$2,085$1,721$665
18 years$3,375$2,792$2,297$1,879$1,530$552
19 years$3,164$2,588$2,103$1,698$1,364$459
20 years$2,974$2,405$1,930$1,538$1,218$382
21 years$2,802$2,240$1,775$1,396$1,090$318
22 years$2,647$2,091$1,636$1,269$977$265
23 years$2,505$1,956$1,510$1,156$877$221
24 years$2,375$1,832$1,397$1,054$788$185
25 years$2,256$1,720$1,294$963$709$154
26 years$2,146$1,616$1,200$880$639$129
27 years$2,044$1,521$1,114$806$576$108
28 years$1,950$1,433$1,036$738$520$90
29 years$1,863$1,352$964$677$469$75
30 years$1,781$1,277$898$621$424$63
31 years$1,705$1,207$837$571$383$53
32 years$1,634$1,142$781$524$347$44
33 years$1,567$1,082$729$482$314$37
34 years$1,504$1,025$681$444$284$31
35 years$1,445$972$637$408$257$26
36 years$1,390$923$596$376$233$21
37 years$1,337$877$558$347$211$18
38 years$1,288$833$522$319$192$15
39 years$1,241$792$489$295$174$13
40 years$1,196$754$459$272$158$11
41 years$1,154$717$430$251$143$9
42 years$1,114$683$403$231$130$7
43 years$1,076$651$379$214$118$6
44 years$1,040$620$355$197$107$5
45 years$1,005$592$334$182$97$4
46 years$972$564$313$168$88$4
47 years$941$539$294$155$80$3
48 years$911$514$277$144$73$3
49 years$882$491$260$133$66$2
50 years$854$469$244$123$60$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $875,000, adding $5,075 every year, while hoping to spend $42,899 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: 71/14/15 Blend
34$875,000$875,000$875,000$875,000
35$969,485$923,110$909,547$1,034,674
36$1,022,728$922,698$894,373$1,078,209
37$1,079,964$920,828$877,252$1,120,184
38$1,141,556$917,384$858,075$1,165,020
39$1,207,899$912,241$836,726$1,212,993
40$1,279,432$905,268$813,083$1,264,406
41$1,356,634$896,325$787,021$1,319,593
42$1,440,031$885,266$758,407$1,378,926
43$1,530,203$871,932$727,102$1,442,813
44$1,627,786$856,159$692,962$1,511,706
45$1,733,479$837,770$655,836$1,586,102
46$1,848,053$816,580$615,565$1,666,552
47$1,972,353$792,391$571,985$1,753,663
48$2,107,308$764,994$524,922$1,848,106
49$2,253,944$734,168$474,197$1,950,622
50$2,413,384$699,680$419,621$2,062,027
51$2,586,868$661,283$360,996$2,183,224
52$2,775,757$618,715$298,119$2,315,209
53$2,981,552$571,699$230,773$2,459,081
54$3,205,901$519,944$158,735$2,616,053
55$3,450,622$463,140$81,772$2,787,466
56$3,717,712$400,961$0$2,974,797
57$4,009,372$333,061$0$3,179,735
58$4,328,024$259,077$0$3,417,994
59$4,676,334$178,623$0$3,678,502
60$5,057,236$91,292$0$3,963,495
61$5,473,965$0$0$4,275,439
62$5,930,078$0$0$4,617,568
63$6,429,493$0$0$5,007,620
64$6,976,528$0$0$5,434,908
65$7,575,934$0$0$5,903,150
66$8,232,944$0$0$6,416,439
67$8,953,325$0$0$6,979,286
68$9,743,423$0$0$7,596,656
69$10,610,233$0$0$8,274,022
70$11,561,456$0$0$9,017,407
71$12,605,577$0$0$9,833,450
72$13,751,941$0$0$10,729,462
73$15,010,843$0$0$11,713,497
74$16,393,623$0$0$12,794,426
75$17,912,775$0$0$13,982,024
76$19,582,060$0$0$15,287,058
77$21,416,642$0$0$16,721,389
78$23,433,223$0$0$18,298,087
79$25,650,206$0$0$20,031,548
80$28,087,865$0$0$21,937,634
81$30,768,537$0$0$24,033,821
82$33,716,833$0$0$26,339,364
83$36,959,867$0$0$28,875,476
84$40,527,514$0$0$31,665,530
85$44,452,690$0$0$34,735,280
86$48,771,662$0$0$38,113,100
87$53,524,390$0$0$41,830,255
88$58,754,904$0$0$45,921,192
89$64,511,718$0$0$50,423,869
90$70,848,287$0$0$55,380,109
91$77,823,512$0$0$60,835,994
92$85,502,294$0$0$66,842,304
93$93,956,146$0$0$73,454,991
94$103,263,868$0$0$80,735,706
95$113,512,291$0$0$88,752,387
96$124,797,090$0$0$97,579,890
97$137,223,696$0$0$107,300,703
98$150,908,281$0$0$118,005,722
99$165,978,858$0$0$129,795,102
100$182,576,488$0$0$142,779,213