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%11.7%
1 years$72,257$71,613$70,985$70,372$69,774$69,276
2 years$35,771$35,104$34,459$33,833$33,226$32,724
3 years$23,610$22,941$22,297$21,677$21,080$20,589
4 years$17,531$16,864$16,227$15,617$15,034$14,559
5 years$13,885$13,222$12,593$11,995$11,429$10,970
6 years$11,455$10,797$10,177$9,593$9,043$8,601
7 years$9,719$9,067$8,457$7,887$7,355$6,930
8 years$8,419$7,772$7,172$6,616$6,101$5,694
9 years$7,407$6,767$6,177$5,635$5,138$4,748
10 years$6,599$5,965$5,385$4,858$4,378$4,005
11 years$5,938$5,310$4,741$4,228$3,765$3,409
12 years$5,387$4,766$4,208$3,708$3,263$2,923
13 years$4,922$4,307$3,759$3,274$2,845$2,522
14 years$4,523$3,915$3,378$2,906$2,494$2,186
15 years$4,178$3,576$3,050$2,592$2,196$1,904
16 years$3,877$3,281$2,765$2,321$1,941$1,663
17 years$3,611$3,022$2,516$2,085$1,721$1,458
18 years$3,375$2,792$2,297$1,879$1,530$1,281
19 years$3,164$2,588$2,103$1,698$1,364$1,128
20 years$2,974$2,405$1,930$1,538$1,218$995
21 years$2,802$2,240$1,775$1,396$1,090$880
22 years$2,647$2,091$1,636$1,269$977$779
23 years$2,505$1,956$1,510$1,156$877$690
24 years$2,375$1,832$1,397$1,054$788$613
25 years$2,256$1,720$1,294$963$709$544
26 years$2,146$1,616$1,200$880$639$484
27 years$2,044$1,521$1,114$806$576$430
28 years$1,950$1,433$1,036$738$520$383
29 years$1,863$1,352$964$677$469$341
30 years$1,781$1,277$898$621$424$304
31 years$1,705$1,207$837$571$383$271
32 years$1,634$1,142$781$524$347$242
33 years$1,567$1,082$729$482$314$216
34 years$1,504$1,025$681$444$284$193
35 years$1,445$972$637$408$257$172
36 years$1,390$923$596$376$233$154
37 years$1,337$877$558$347$211$137
38 years$1,288$833$522$319$192$123
39 years$1,241$792$489$295$174$110
40 years$1,196$754$459$272$158$98
41 years$1,154$717$430$251$143$88
42 years$1,114$683$403$231$130$78
43 years$1,076$651$379$214$118$70
44 years$1,040$620$355$197$107$63
45 years$1,005$592$334$182$97$56
46 years$972$564$313$168$88$50
47 years$941$539$294$155$80$45
48 years$911$514$277$144$73$40
49 years$882$491$260$133$66$36
50 years$854$469$244$123$60$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $875,000, adding $3,202 every year, while hoping to spend $45,536 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: 75/15/10 Blend
34$875,000$875,000$875,000$875,000
35$967,553$921,178$907,615$1,038,144
36$1,017,793$917,866$889,571$1,081,794
37$1,071,632$912,865$869,395$1,123,553
38$1,129,388$906,045$846,969$1,168,035
39$1,191,412$897,267$822,169$1,215,495
40$1,258,086$886,384$794,862$1,266,213
41$1,329,834$873,240$764,913$1,320,500
42$1,407,118$857,669$732,178$1,378,697
43$1,490,447$839,498$696,509$1,441,183
44$1,580,379$818,539$657,748$1,508,373
45$1,677,528$794,598$615,733$1,580,728
46$1,782,568$767,466$570,293$1,658,755
47$1,896,242$736,924$521,250$1,743,013
48$2,019,364$702,738$468,417$1,834,121
49$2,152,830$664,663$411,600$1,932,760
50$2,297,625$622,438$350,595$2,039,684
51$2,454,834$575,789$285,190$2,155,722
52$2,625,647$524,423$215,165$2,281,792
53$2,811,377$468,033$140,287$2,418,905
54$3,013,465$406,295$60,314$2,568,177
55$3,233,500$338,864$0$2,730,840
56$3,473,227$265,378$0$2,910,924
57$3,734,568$185,454$0$3,114,300
58$4,019,638$98,686$0$3,336,211
59$4,330,766$4,646$0$3,578,513
60$4,670,515$0$0$3,843,253
61$5,041,706$0$0$4,148,717
62$5,447,444$0$0$4,483,485
63$5,891,149$0$0$4,849,614
64$6,376,586$0$0$5,250,216
65$6,907,901$0$0$5,688,716
66$7,489,658$0$0$6,168,888
67$8,126,885$0$0$6,694,884
68$8,825,117$0$0$7,271,281
69$9,590,451$0$0$7,903,115
70$10,429,603$0$0$8,595,937
71$11,349,967$0$0$9,355,858
72$12,359,690$0$0$10,189,610
73$13,467,743$0$0$11,104,607
74$14,684,009$0$0$12,109,017
75$16,019,375$0$0$13,211,837
76$17,485,833$0$0$14,422,977
77$19,096,593$0$0$15,753,354
78$20,866,207$0$0$17,214,996
79$22,810,707$0$0$18,821,151
80$24,947,755$0$0$20,586,417
81$27,296,808$0$0$22,526,872
82$29,879,303$0$0$24,660,235
83$32,718,856$0$0$27,006,023
84$35,841,487$0$0$29,585,740
85$39,275,863$0$0$32,423,079
86$43,053,570$0$0$35,544,143
87$47,209,408$0$0$38,977,695
88$51,781,719$0$0$42,755,422
89$56,812,749$0$0$46,912,240
90$62,349,048$0$0$51,486,621
91$68,441,903$0$0$56,520,952
92$75,147,826$0$0$62,061,940
93$82,529,087$0$0$68,161,048
94$90,654,296$0$0$74,874,982
95$99,599,054$0$0$82,266,225
96$109,446,665$0$0$90,403,625
97$120,288,921$0$0$99,363,047
98$132,226,965$0$0$109,228,084
99$145,372,250$0$0$120,090,851
100$159,847,586$0$0$132,052,848