Can I retire at age 35 with 876,000?

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 $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%19%
1 years$72,339$71,695$71,066$70,453$69,853$67,321
2 years$35,812$35,145$34,498$33,871$33,264$30,740
3 years$23,637$22,967$22,323$21,702$21,104$18,669
4 years$17,551$16,883$16,245$15,635$15,051$12,723
5 years$13,901$13,237$12,607$12,009$11,442$9,226
6 years$11,468$10,809$10,188$9,604$9,054$6,953
7 years$9,730$9,077$8,466$7,896$7,363$5,376
8 years$8,428$7,781$7,180$6,624$6,108$4,234
9 years$7,416$6,775$6,184$5,642$5,144$3,379
10 years$6,606$5,972$5,392$4,863$4,383$2,725
11 years$5,945$5,316$4,747$4,233$3,770$2,214
12 years$5,394$4,771$4,213$3,713$3,267$1,811
13 years$4,928$4,312$3,764$3,278$2,849$1,488
14 years$4,529$3,919$3,382$2,909$2,497$1,228
15 years$4,183$3,581$3,053$2,595$2,199$1,016
16 years$3,881$3,285$2,768$2,323$1,943$843
17 years$3,615$3,025$2,519$2,087$1,723$701
18 years$3,378$2,796$2,299$1,881$1,532$584
19 years$3,167$2,591$2,105$1,700$1,365$487
20 years$2,977$2,408$1,932$1,540$1,220$407
21 years$2,806$2,243$1,777$1,397$1,091$340
22 years$2,650$2,093$1,638$1,270$978$285
23 years$2,508$1,958$1,512$1,157$878$238
24 years$2,378$1,834$1,399$1,055$789$200
25 years$2,258$1,722$1,295$964$710$167
26 years$2,148$1,618$1,201$881$640$140
27 years$2,047$1,523$1,116$807$577$118
28 years$1,952$1,435$1,037$739$520$99
29 years$1,865$1,354$965$678$470$83
30 years$1,783$1,278$899$622$425$70
31 years$1,707$1,208$838$571$384$58
32 years$1,636$1,143$782$525$347$49
33 years$1,569$1,083$730$483$314$41
34 years$1,506$1,026$682$444$285$35
35 years$1,447$973$638$409$258$29
36 years$1,391$924$597$377$234$24
37 years$1,339$878$558$347$212$21
38 years$1,289$834$523$320$192$17
39 years$1,242$793$490$295$174$14
40 years$1,198$754$459$272$158$12
41 years$1,155$718$431$251$143$10
42 years$1,115$684$404$232$130$9
43 years$1,077$652$379$214$118$7
44 years$1,041$621$356$197$107$6
45 years$1,006$592$334$182$97$5
46 years$973$565$314$168$88$4
47 years$942$539$295$156$80$4
48 years$912$515$277$144$73$3
49 years$883$492$260$133$66$3
50 years$855$470$245$123$60$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $876,000, adding $5,000 every year, while hoping to spend $28,364 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: 70/5/25 Blend
34$876,000$876,000$876,000$876,000
35$970,510$924,082$910,504$1,031,946
36$1,039,322$939,182$910,826$1,088,810
37$1,114,204$954,073$910,209$1,147,273
38$1,195,742$968,712$908,591$1,210,602
39$1,284,586$983,057$905,907$1,279,278
40$1,381,449$997,062$902,090$1,353,832
41$1,487,115$1,010,676$897,068$1,434,848
42$1,602,449$1,023,848$890,769$1,522,972
43$1,728,403$1,036,520$883,113$1,618,913
44$1,866,022$1,048,632$874,020$1,723,455
45$2,016,460$1,060,119$863,403$1,837,463
46$2,180,987$1,070,912$851,175$1,961,889
47$2,360,998$1,080,938$837,240$2,097,782
48$2,558,034$1,090,118$821,502$2,246,300
49$2,773,788$1,098,368$803,856$2,408,720
50$3,010,126$1,105,600$784,197$2,586,448
51$3,269,104$1,111,719$762,412$2,781,036
52$3,552,983$1,116,624$738,384$2,994,194
53$3,864,256$1,120,207$711,989$3,227,806
54$4,205,669$1,122,356$683,099$3,483,953
55$4,580,244$1,122,949$651,580$3,764,924
56$4,991,313$1,121,857$617,291$4,073,247
57$5,442,542$1,118,943$580,087$4,411,705
58$5,937,974$1,114,064$539,812$4,783,369
59$6,482,059$1,107,065$496,307$5,191,624
60$7,079,701$1,097,783$449,405$5,640,199
61$7,736,301$1,086,045$398,931$6,133,207
62$8,457,810$1,071,667$344,701$6,675,184
63$9,250,784$1,054,456$286,526$7,271,125
64$10,122,444$1,034,205$224,206$7,926,540
65$11,080,749$1,010,697$157,532$8,647,503
66$12,134,464$983,699$86,288$9,440,707
67$13,293,248$952,969$10,247$10,313,532
68$14,567,741$918,246$0$11,274,112
69$15,969,668$879,257$0$12,350,325
70$17,511,945$835,713$0$13,537,288
71$19,208,807$787,305$0$14,843,227
72$21,075,933$733,712$0$16,280,222
73$23,130,603$674,588$0$17,861,582
74$25,391,854$609,573$0$19,601,973
75$27,880,664$538,283$0$21,517,558
76$30,620,146$460,313$0$23,626,144
77$33,635,768$375,235$0$25,947,353
78$36,955,593$282,598$0$28,502,810
79$40,610,543$181,925$0$31,316,342
80$44,634,691$72,712$0$34,414,206
81$49,065,581$0$0$37,825,335
82$53,944,583$0$0$41,584,119
83$59,317,284$0$0$45,727,716
84$65,233,917$0$0$50,290,873
85$71,749,834$0$0$55,316,288
86$78,926,029$0$0$60,851,012
87$86,829,714$0$0$66,946,890
88$95,534,952$0$0$73,661,054
89$105,123,355$0$0$81,056,458
90$115,684,857$0$0$89,202,475
91$127,318,557$0$0$98,175,552
92$140,133,661$0$0$108,059,926
93$154,250,506$0$0$118,948,427
94$169,801,701$0$0$130,943,346
95$186,933,374$0$0$144,157,405
96$205,806,552$0$0$158,714,820
97$226,598,683$0$0$174,752,472
98$249,505,306$0$0$192,421,200
99$274,741,902$0$0$211,887,224
100$302,545,923$0$0$233,333,713