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%18.4%
1 years$72,257$71,613$70,985$70,372$69,774$67,405
2 years$35,771$35,104$34,459$33,833$33,226$30,863
3 years$23,610$22,941$22,297$21,677$21,080$18,798
4 years$17,531$16,864$16,227$15,617$15,034$12,850
5 years$13,885$13,222$12,593$11,995$11,429$9,348
6 years$11,455$10,797$10,177$9,593$9,043$7,067
7 years$9,719$9,067$8,457$7,887$7,355$5,483
8 years$8,419$7,772$7,172$6,616$6,101$4,334
9 years$7,407$6,767$6,177$5,635$5,138$3,472
10 years$6,599$5,965$5,385$4,858$4,378$2,810
11 years$5,938$5,310$4,741$4,228$3,765$2,292
12 years$5,387$4,766$4,208$3,708$3,263$1,882
13 years$4,922$4,307$3,759$3,274$2,845$1,553
14 years$4,523$3,915$3,378$2,906$2,494$1,287
15 years$4,178$3,576$3,050$2,592$2,196$1,069
16 years$3,877$3,281$2,765$2,321$1,941$891
17 years$3,611$3,022$2,516$2,085$1,721$744
18 years$3,375$2,792$2,297$1,879$1,530$623
19 years$3,164$2,588$2,103$1,698$1,364$522
20 years$2,974$2,405$1,930$1,538$1,218$438
21 years$2,802$2,240$1,775$1,396$1,090$368
22 years$2,647$2,091$1,636$1,269$977$309
23 years$2,505$1,956$1,510$1,156$877$260
24 years$2,375$1,832$1,397$1,054$788$219
25 years$2,256$1,720$1,294$963$709$185
26 years$2,146$1,616$1,200$880$639$156
27 years$2,044$1,521$1,114$806$576$131
28 years$1,950$1,433$1,036$738$520$111
29 years$1,863$1,352$964$677$469$93
30 years$1,781$1,277$898$621$424$79
31 years$1,705$1,207$837$571$383$66
32 years$1,634$1,142$781$524$347$56
33 years$1,567$1,082$729$482$314$47
34 years$1,504$1,025$681$444$284$40
35 years$1,445$972$637$408$257$34
36 years$1,390$923$596$376$233$28
37 years$1,337$877$558$347$211$24
38 years$1,288$833$522$319$192$20
39 years$1,241$792$489$295$174$17
40 years$1,196$754$459$272$158$14
41 years$1,154$717$430$251$143$12
42 years$1,114$683$403$231$130$10
43 years$1,076$651$379$214$118$9
44 years$1,040$620$355$197$107$7
45 years$1,005$592$334$182$97$6
46 years$972$564$313$168$88$5
47 years$941$539$294$155$80$4
48 years$911$514$277$144$73$4
49 years$882$491$260$133$66$3
50 years$854$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 $875,000, adding $3,774 every year, while hoping to spend $45,890 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: 69/20/11 Blend
34$875,000$875,000$875,000$875,000
35$968,143$921,768$908,205$1,032,466
36$1,018,067$918,108$889,804$1,071,989
37$1,071,545$912,731$869,247$1,109,317
38$1,128,891$905,503$846,416$1,148,943
39$1,190,451$896,285$821,183$1,191,086
40$1,256,601$884,928$793,417$1,235,988
41$1,327,758$871,272$762,980$1,283,915
42$1,404,376$855,152$729,727$1,335,162
43$1,486,957$836,389$693,508$1,390,056
44$1,576,050$814,796$654,164$1,448,958
45$1,672,260$790,173$611,531$1,512,267
46$1,776,250$762,311$565,436$1,580,423
47$1,888,749$730,986$515,700$1,653,915
48$2,010,560$695,963$462,135$1,733,282
49$2,142,564$656,992$404,543$1,819,119
50$2,285,731$613,810$342,721$1,912,085
51$2,441,127$566,138$276,453$2,012,909
52$2,609,924$513,680$205,516$2,122,394
53$2,793,412$456,126$129,677$2,241,429
54$2,993,009$393,146$48,690$2,370,998
55$3,210,278$324,392$0$2,512,185
56$3,446,936$249,497$0$2,670,618
57$3,704,873$168,072$0$2,849,580
58$3,986,169$79,706$0$3,044,845
59$4,293,115$0$0$3,258,064
60$4,628,231$0$0$3,494,585
61$4,994,290$0$0$3,772,154
62$5,394,348$0$0$4,075,550
63$5,831,767$0$0$4,407,329
64$6,310,250$0$0$4,770,306
65$6,833,873$0$0$5,167,580
66$7,407,124$0$0$5,602,563
67$8,034,947$0$0$6,079,013
68$8,722,786$0$0$6,601,068
69$9,476,634$0$0$7,173,285
70$10,303,095$0$0$7,800,684
71$11,209,441$0$0$8,488,793
72$12,203,679$0$0$9,243,700
73$13,294,633$0$0$10,072,114
74$14,492,018$0$0$10,981,421
75$15,806,538$0$0$11,979,758
76$17,249,984$0$0$13,076,090
77$18,835,344$0$0$14,280,292
78$20,576,925$0$0$15,603,241
79$22,490,490$0$0$17,056,921
80$24,593,401$0$0$18,654,535
81$26,904,789$0$0$20,410,625
82$29,445,729$0$0$22,341,217
83$32,239,440$0$0$24,463,964
84$35,311,501$0$0$26,798,315
85$38,690,097$0$0$29,365,699
86$42,406,281$0$0$32,189,725
87$46,494,263$0$0$35,296,408
88$50,991,739$0$0$38,714,407
89$55,940,243$0$0$42,475,301
90$61,385,535$0$0$46,613,885
91$67,378,038$0$0$51,168,498
92$73,973,309$0$0$56,181,380
93$81,232,562$0$0$61,699,078
94$89,223,249$0$0$67,772,878
95$98,019,693$0$0$74,459,291
96$107,703,788$0$0$81,820,586
97$118,365,772$0$0$89,925,377
98$130,105,079$0$0$98,849,267
99$143,031,274$0$0$108,675,566
100$157,265,089$0$0$119,496,073