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%14.6%
1 years$72,339$71,695$71,066$70,453$69,853$68,527
2 years$35,812$35,145$34,498$33,871$33,264$31,933
3 years$23,637$22,967$22,323$21,702$21,104$19,809
4 years$17,551$16,883$16,245$15,635$15,051$13,804
5 years$13,901$13,237$12,607$12,009$11,442$10,244
6 years$11,468$10,809$10,188$9,604$9,054$7,908
7 years$9,730$9,077$8,466$7,896$7,363$6,269
8 years$8,428$7,781$7,180$6,624$6,108$5,066
9 years$7,416$6,775$6,184$5,642$5,144$4,153
10 years$6,606$5,972$5,392$4,863$4,383$3,442
11 years$5,945$5,316$4,747$4,233$3,770$2,877
12 years$5,394$4,771$4,213$3,713$3,267$2,422
13 years$4,928$4,312$3,764$3,278$2,849$2,050
14 years$4,529$3,919$3,382$2,909$2,497$1,743
15 years$4,183$3,581$3,053$2,595$2,199$1,488
16 years$3,881$3,285$2,768$2,323$1,943$1,274
17 years$3,615$3,025$2,519$2,087$1,723$1,094
18 years$3,378$2,796$2,299$1,881$1,532$942
19 years$3,167$2,591$2,105$1,700$1,365$812
20 years$2,977$2,408$1,932$1,540$1,220$701
21 years$2,806$2,243$1,777$1,397$1,091$607
22 years$2,650$2,093$1,638$1,270$978$525
23 years$2,508$1,958$1,512$1,157$878$455
24 years$2,378$1,834$1,399$1,055$789$395
25 years$2,258$1,722$1,295$964$710$343
26 years$2,148$1,618$1,201$881$640$298
27 years$2,047$1,523$1,116$807$577$259
28 years$1,952$1,435$1,037$739$520$225
29 years$1,865$1,354$965$678$470$196
30 years$1,783$1,278$899$622$425$171
31 years$1,707$1,208$838$571$384$149
32 years$1,636$1,143$782$525$347$129
33 years$1,569$1,083$730$483$314$113
34 years$1,506$1,026$682$444$285$98
35 years$1,447$973$638$409$258$86
36 years$1,391$924$597$377$234$75
37 years$1,339$878$558$347$212$65
38 years$1,289$834$523$320$192$57
39 years$1,242$793$490$295$174$49
40 years$1,198$754$459$272$158$43
41 years$1,155$718$431$251$143$38
42 years$1,115$684$404$232$130$33
43 years$1,077$652$379$214$118$29
44 years$1,041$621$356$197$107$25
45 years$1,006$592$334$182$97$22
46 years$973$565$314$168$88$19
47 years$942$539$295$156$80$17
48 years$912$515$277$144$73$14
49 years$883$492$260$133$66$13
50 years$855$470$245$123$60$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $876,000, adding $5,888 every year, while hoping to spend $39,069 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: 83/5/12 Blend
34$876,000$876,000$876,000$876,000
35$971,425$924,997$911,419$1,049,521
36$1,028,942$928,753$900,383$1,105,299
37$1,091,015$931,384$887,667$1,160,755
38$1,158,070$932,792$873,175$1,220,487
39$1,230,570$932,877$856,804$1,284,901
40$1,309,029$931,528$838,447$1,354,448
41$1,394,008$928,631$817,993$1,429,621
42$1,486,126$924,063$795,325$1,510,966
43$1,586,062$917,694$770,320$1,599,083
44$1,694,566$909,386$742,851$1,694,632
45$1,812,458$898,992$712,783$1,798,342
46$1,940,644$886,358$679,977$1,911,016
47$2,080,120$871,320$644,286$2,033,536
48$2,231,981$853,703$605,558$2,166,878
49$2,397,431$833,323$563,633$2,312,113
50$2,577,798$809,985$518,343$2,470,425
51$2,774,541$783,481$469,515$2,643,117
52$2,989,266$753,594$416,966$2,831,623
53$3,223,743$720,092$360,506$3,037,526
54$3,479,918$682,730$299,936$3,262,570
55$3,759,935$641,248$235,049$3,508,675
56$4,066,152$595,374$165,627$3,777,959
57$4,401,169$544,816$91,445$4,072,756
58$4,767,846$489,270$12,267$4,395,637
59$5,169,334$428,412$0$4,749,435
60$5,609,101$361,899$0$5,146,524
61$6,090,968$289,371$0$5,583,374
62$6,619,143$210,446$0$6,062,241
63$7,198,258$124,720$0$6,587,341
64$7,833,418$31,769$0$7,163,322
65$8,530,243$0$0$7,795,300
66$9,294,926$0$0$8,492,702
67$10,134,287$0$0$9,260,148
68$11,055,837$0$0$10,102,762
69$12,067,854$0$0$11,028,111
70$13,179,452$0$0$12,044,534
71$14,400,674$0$0$13,161,217
72$15,742,584$0$0$14,388,277
73$17,217,369$0$0$15,736,863
74$18,838,457$0$0$17,219,256
75$20,620,642$0$0$18,848,985
76$22,580,220$0$0$20,640,958
77$24,735,147$0$0$22,611,598
78$27,105,207$0$0$24,778,998
79$29,712,196$0$0$27,163,095
80$32,580,129$0$0$29,785,855
81$35,735,466$0$0$32,671,478
82$39,207,360$0$0$35,846,630
83$43,027,934$0$0$39,340,690
84$47,232,581$0$0$43,186,033
85$51,860,301$0$0$47,418,328
86$56,954,062$0$0$52,076,877
87$62,561,213$0$0$57,204,987
88$68,733,926$0$0$62,850,377
89$75,529,687$0$0$69,065,627
90$83,011,839$0$0$75,908,674
91$91,250,182$0$0$83,443,360
92$100,321,627$0$0$91,740,033
93$110,310,923$0$0$100,876,207
94$121,311,456$0$0$110,937,301
95$133,426,132$0$0$122,017,435
96$146,768,343$0$0$134,220,325
97$161,463,041$0$0$147,660,259
98$177,647,915$0$0$162,463,175
99$195,474,689$0$0$178,767,847
100$215,110,554$0$0$196,727,199