Can I retire at age 35 with 876,000?

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 $876,000?

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$72,339$71,695$71,066$70,453$69,853$67,482
2 years$35,812$35,145$34,498$33,871$33,264$30,899
3 years$23,637$22,967$22,323$21,702$21,104$18,819
4 years$17,551$16,883$16,245$15,635$15,051$12,864
5 years$13,901$13,237$12,607$12,009$11,442$9,358
6 years$11,468$10,809$10,188$9,604$9,054$7,075
7 years$9,730$9,077$8,466$7,896$7,363$5,490
8 years$8,428$7,781$7,180$6,624$6,108$4,338
9 years$7,416$6,775$6,184$5,642$5,144$3,476
10 years$6,606$5,972$5,392$4,863$4,383$2,813
11 years$5,945$5,316$4,747$4,233$3,770$2,295
12 years$5,394$4,771$4,213$3,713$3,267$1,884
13 years$4,928$4,312$3,764$3,278$2,849$1,555
14 years$4,529$3,919$3,382$2,909$2,497$1,288
15 years$4,183$3,581$3,053$2,595$2,199$1,071
16 years$3,881$3,285$2,768$2,323$1,943$892
17 years$3,615$3,025$2,519$2,087$1,723$745
18 years$3,378$2,796$2,299$1,881$1,532$624
19 years$3,167$2,591$2,105$1,700$1,365$523
20 years$2,977$2,408$1,932$1,540$1,220$439
21 years$2,806$2,243$1,777$1,397$1,091$368
22 years$2,650$2,093$1,638$1,270$978$310
23 years$2,508$1,958$1,512$1,157$878$261
24 years$2,378$1,834$1,399$1,055$789$219
25 years$2,258$1,722$1,295$964$710$185
26 years$2,148$1,618$1,201$881$640$156
27 years$2,047$1,523$1,116$807$577$131
28 years$1,952$1,435$1,037$739$520$111
29 years$1,865$1,354$965$678$470$93
30 years$1,783$1,278$899$622$425$79
31 years$1,707$1,208$838$571$384$66
32 years$1,636$1,143$782$525$347$56
33 years$1,569$1,083$730$483$314$47
34 years$1,506$1,026$682$444$285$40
35 years$1,447$973$638$409$258$34
36 years$1,391$924$597$377$234$28
37 years$1,339$878$558$347$212$24
38 years$1,289$834$523$320$192$20
39 years$1,242$793$490$295$174$17
40 years$1,198$754$459$272$158$14
41 years$1,155$718$431$251$143$12
42 years$1,115$684$404$232$130$10
43 years$1,077$652$379$214$118$9
44 years$1,041$621$356$197$107$7
45 years$1,006$592$334$182$97$6
46 years$973$565$314$168$88$5
47 years$942$539$295$156$80$4
48 years$912$515$277$144$73$4
49 years$883$492$260$133$66$3
50 years$855$470$245$123$60$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $876,000, adding $3,538 every year, while hoping to spend $31,870 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: 26/50/24 Blend
34$876,000$876,000$876,000$876,000
35$969,001$922,573$908,995$986,780
36$1,033,930$933,870$905,537$1,012,669
37$1,104,413$944,652$900,895$1,037,430
38$1,180,984$954,861$894,996$1,063,326
39$1,264,229$964,433$887,762$1,090,471
40$1,354,792$973,302$879,114$1,118,995
41$1,453,383$981,396$868,967$1,149,043
42$1,560,784$988,640$857,233$1,180,778
43$1,677,852$994,952$843,819$1,214,380
44$1,805,535$1,000,246$828,628$1,250,051
45$1,944,872$1,004,431$811,560$1,288,016
46$2,097,009$1,007,409$792,508$1,328,526
47$2,263,208$1,009,076$771,361$1,371,860
48$2,444,857$1,009,322$748,003$1,418,330
49$2,643,484$1,008,031$722,313$1,468,283
50$2,860,773$1,005,077$694,163$1,522,104
51$3,098,576$1,000,331$663,422$1,580,222
52$3,358,934$993,650$629,950$1,643,114
53$3,644,095$984,888$593,603$1,711,310
54$3,956,532$973,887$554,228$1,785,400
55$4,298,971$960,480$511,667$1,866,037
56$4,674,413$944,491$465,755$1,953,948
57$5,086,164$925,731$416,319$2,049,939
58$5,537,864$904,004$363,177$2,154,904
59$6,033,526$879,100$306,143$2,269,836
60$6,577,564$850,795$245,018$2,395,835
61$7,174,846$818,854$179,596$2,534,122
62$7,830,732$783,029$109,664$2,686,047
63$8,551,126$743,057$34,997$2,853,109
64$9,342,532$698,657$0$3,036,968
65$10,212,115$649,537$0$3,250,905
66$11,167,771$595,385$0$3,495,821
67$12,218,195$535,870$0$3,765,061
68$13,372,969$470,646$0$4,061,189
69$14,642,648$399,344$0$4,387,034
70$16,038,862$321,575$0$4,745,726
71$17,574,424$236,930$0$5,140,720
72$19,263,450$144,975$0$5,575,831
73$21,121,495$45,251$0$6,055,277
74$23,165,695$0$0$6,583,712
75$25,414,933$0$0$7,200,790
76$27,890,012$0$0$7,907,395
77$30,613,856$0$0$8,685,196
78$33,611,723$0$0$9,541,427
79$36,911,443$0$0$10,484,059
80$40,543,681$0$0$11,521,876
81$44,542,226$0$0$12,664,556
82$48,944,310$0$0$13,922,764
83$53,790,958$0$0$15,308,252
84$59,127,376$0$0$16,833,968
85$65,003,375$0$0$18,514,182
86$71,473,843$0$0$20,364,618
87$78,599,264$0$0$22,402,600
88$86,446,282$0$0$24,647,221
89$95,088,338$0$0$27,119,520
90$104,606,357$0$0$29,842,679
91$115,089,512$0$0$32,842,245
92$126,636,068$0$0$36,146,369
93$139,354,307$0$0$39,786,070
94$153,363,549$0$0$43,795,534
95$168,795,280$0$0$48,212,429
96$185,794,390$0$0$53,078,263
97$204,520,541$0$0$58,438,781
98$225,149,676$0$0$64,344,387
99$247,875,677$0$0$70,850,627
100$272,912,192$0$0$78,018,712