Can I retire at age 35 with 875,000?

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 $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%16.1%
1 years$72,257$71,613$70,985$70,372$69,774$68,032
2 years$35,771$35,104$34,459$33,833$33,226$31,482
3 years$23,610$22,941$22,297$21,677$21,080$19,388
4 years$17,531$16,864$16,227$15,617$15,034$13,408
5 years$13,885$13,222$12,593$11,995$11,429$9,873
6 years$11,455$10,797$10,177$9,593$9,043$7,559
7 years$9,719$9,067$8,457$7,887$7,355$5,942
8 years$8,419$7,772$7,172$6,616$6,101$4,760
9 years$7,407$6,767$6,177$5,635$5,138$3,867
10 years$6,599$5,965$5,385$4,858$4,378$3,175
11 years$5,938$5,310$4,741$4,228$3,765$2,629
12 years$5,387$4,766$4,208$3,708$3,263$2,192
13 years$4,922$4,307$3,759$3,274$2,845$1,837
14 years$4,523$3,915$3,378$2,906$2,494$1,546
15 years$4,178$3,576$3,050$2,592$2,196$1,306
16 years$3,877$3,281$2,765$2,321$1,941$1,107
17 years$3,611$3,022$2,516$2,085$1,721$940
18 years$3,375$2,792$2,297$1,879$1,530$800
19 years$3,164$2,588$2,103$1,698$1,364$682
20 years$2,974$2,405$1,930$1,538$1,218$583
21 years$2,802$2,240$1,775$1,396$1,090$498
22 years$2,647$2,091$1,636$1,269$977$426
23 years$2,505$1,956$1,510$1,156$877$365
24 years$2,375$1,832$1,397$1,054$788$313
25 years$2,256$1,720$1,294$963$709$269
26 years$2,146$1,616$1,200$880$639$231
27 years$2,044$1,521$1,114$806$576$198
28 years$1,950$1,433$1,036$738$520$170
29 years$1,863$1,352$964$677$469$146
30 years$1,781$1,277$898$621$424$126
31 years$1,705$1,207$837$571$383$108
32 years$1,634$1,142$781$524$347$93
33 years$1,567$1,082$729$482$314$80
34 years$1,504$1,025$681$444$284$69
35 years$1,445$972$637$408$257$59
36 years$1,390$923$596$376$233$51
37 years$1,337$877$558$347$211$44
38 years$1,288$833$522$319$192$38
39 years$1,241$792$489$295$174$33
40 years$1,196$754$459$272$158$28
41 years$1,154$717$430$251$143$24
42 years$1,114$683$403$231$130$21
43 years$1,076$651$379$214$118$18
44 years$1,040$620$355$197$107$15
45 years$1,005$592$334$182$97$13
46 years$972$564$313$168$88$11
47 years$941$539$294$155$80$10
48 years$911$514$277$144$73$8
49 years$882$491$260$133$66$7
50 years$854$469$244$123$60$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $875,000, adding $5,542 every year, while hoping to spend $52,532 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: 70/20/10 Blend
34$875,000$875,000$875,000$875,000
35$969,967$923,592$910,029$1,035,570
36$1,013,010$912,954$884,621$1,069,125
37$1,058,682$900,034$856,602$1,098,899
38$1,107,197$884,666$825,828$1,130,072
39$1,158,788$866,671$792,149$1,162,772
40$1,213,708$845,861$755,410$1,197,138
41$1,272,237$822,039$715,447$1,233,328
42$1,334,680$794,994$672,089$1,271,515
43$1,401,371$764,503$625,158$1,311,892
44$1,472,678$730,330$574,468$1,354,675
45$1,549,001$692,226$519,822$1,400,099
46$1,630,782$649,928$461,019$1,448,430
47$1,718,503$603,156$397,845$1,499,960
48$1,812,695$551,616$330,078$1,555,012
49$1,913,941$494,995$257,486$1,613,948
50$2,022,879$432,966$179,828$1,677,165
51$2,140,210$365,179$96,850$1,745,107
52$2,266,706$291,267$8,288$1,818,263
53$2,403,212$210,841$0$1,897,177
54$2,550,659$123,492$0$1,991,651
55$2,710,069$28,785$0$2,094,692
56$2,882,564$0$0$2,206,186
57$3,069,381$0$0$2,343,213
58$3,271,875$0$0$2,498,645
59$3,491,541$0$0$2,667,299
60$3,730,019$0$0$2,850,440
61$3,989,116$0$0$3,049,460
62$4,270,818$0$0$3,265,891
63$4,577,310$0$0$3,501,418
64$4,910,997$0$0$3,757,894
65$5,274,524$0$0$4,037,359
66$5,670,803$0$0$4,342,059
67$6,103,037$0$0$4,674,465
68$6,574,755$0$0$5,037,295
69$7,089,839$0$0$5,433,545
70$7,652,561$0$0$5,866,509
71$8,267,627$0$0$6,339,815
72$8,940,217$0$0$6,857,459
73$9,676,033$0$0$7,423,839
74$10,481,356$0$0$8,043,797
75$11,363,100$0$0$8,722,667
76$12,328,881$0$0$9,466,321
77$13,387,084$0$0$10,281,227
78$14,546,945$0$0$11,174,508
79$15,818,634$0$0$12,154,008
80$17,213,354$0$0$13,228,368
81$18,743,444$0$0$14,407,104
82$20,422,494$0$0$15,700,698
83$22,265,475$0$0$17,120,698
84$24,288,877$0$0$18,679,821
85$26,510,863$0$0$20,392,078
86$28,951,445$0$0$22,272,903
87$31,632,665$0$0$24,339,298
88$34,578,807$0$0$26,609,995
89$37,816,623$0$0$29,105,627
90$41,375,586$0$0$31,848,928
91$45,288,165$0$0$34,864,944
92$49,590,134$0$0$38,181,267
93$54,320,905$0$0$41,828,298
94$59,523,901$0$0$45,839,531
95$65,246,964$0$0$50,251,870
96$71,542,806$0$0$55,105,973
97$78,469,504$0$0$60,446,640
98$86,091,048$0$0$66,323,231
99$94,477,947$0$0$72,790,131
100$103,707,886$0$0$79,907,266