Can I retire at age 35 with 877,000?

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 $877,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$72,422$71,777$71,147$70,533$69,933$68,521
2 years$35,852$35,185$34,538$33,910$33,302$31,885
3 years$23,664$22,994$22,348$21,727$21,128$19,751
4 years$17,571$16,903$16,264$15,653$15,069$13,742
5 years$13,916$13,252$12,621$12,023$11,455$10,183
6 years$11,481$10,821$10,200$9,615$9,064$7,847
7 years$9,742$9,088$8,476$7,905$7,371$6,211
8 years$8,438$7,790$7,188$6,631$6,115$5,010
9 years$7,424$6,782$6,191$5,648$5,150$4,100
10 years$6,614$5,978$5,398$4,869$4,388$3,391
11 years$5,951$5,322$4,752$4,237$3,774$2,830
12 years$5,400$4,777$4,217$3,717$3,270$2,377
13 years$4,933$4,317$3,768$3,281$2,852$2,008
14 years$4,534$3,924$3,386$2,913$2,500$1,704
15 years$4,188$3,585$3,057$2,598$2,201$1,452
16 years$3,885$3,289$2,771$2,326$1,945$1,241
17 years$3,619$3,029$2,522$2,090$1,725$1,063
18 years$3,382$2,799$2,302$1,883$1,534$913
19 years$3,171$2,594$2,107$1,702$1,367$785
20 years$2,981$2,410$1,934$1,541$1,221$677
21 years$2,809$2,245$1,779$1,399$1,093$584
22 years$2,653$2,096$1,640$1,272$979$505
23 years$2,511$1,960$1,514$1,158$879$436
24 years$2,381$1,837$1,400$1,056$790$378
25 years$2,261$1,724$1,297$965$711$327
26 years$2,151$1,620$1,203$882$641$284
27 years$2,049$1,524$1,117$807$577$246
28 years$1,955$1,436$1,038$740$521$213
29 years$1,867$1,355$966$678$471$185
30 years$1,785$1,280$900$623$425$161
31 years$1,709$1,210$839$572$384$140
32 years$1,638$1,145$783$526$348$121
33 years$1,571$1,084$731$483$315$105
34 years$1,508$1,027$683$445$285$92
35 years$1,449$975$638$409$258$80
36 years$1,393$925$597$377$234$69
37 years$1,340$879$559$347$212$60
38 years$1,291$835$524$320$192$52
39 years$1,244$794$490$295$174$46
40 years$1,199$755$460$272$158$40
41 years$1,157$719$431$251$143$34
42 years$1,117$685$404$232$130$30
43 years$1,078$652$379$214$118$26
44 years$1,042$622$356$198$107$23
45 years$1,007$593$334$182$97$20
46 years$974$566$314$169$88$17
47 years$943$540$295$156$80$15
48 years$913$515$277$144$73$13
49 years$884$492$261$133$66$11
50 years$856$470$245$123$60$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $877,000, adding $4,474 every year, while hoping to spend $44,677 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: 48/22/30 Blend
34$877,000$877,000$877,000$877,000
35$971,069$924,588$910,994$1,009,165
36$1,022,582$922,357$893,977$1,034,261
37$1,077,852$918,519$874,892$1,056,799
38$1,137,215$912,948$853,623$1,080,427
39$1,201,040$905,512$830,048$1,105,273
40$1,269,731$896,067$804,040$1,131,480
41$1,343,734$884,465$775,466$1,159,206
42$1,423,537$870,545$744,185$1,188,629
43$1,509,676$854,140$710,054$1,219,951
44$1,602,740$835,071$672,918$1,253,393
45$1,703,379$813,148$632,620$1,289,207
46$1,812,302$788,171$588,992$1,327,670
47$1,930,294$759,929$541,860$1,369,095
48$2,058,216$728,197$491,044$1,413,828
49$2,197,012$692,737$436,352$1,462,257
50$2,347,725$653,299$377,587$1,514,813
51$2,511,499$609,616$314,543$1,571,977
52$2,689,594$561,409$247,002$1,634,282
53$2,883,395$508,381$174,738$1,702,323
54$3,094,426$450,217$97,518$1,776,762
55$3,324,366$386,586$15,093$1,858,333
56$3,575,061$317,138$0$1,947,853
57$3,848,542$241,502$0$2,069,553
58$4,147,046$159,289$0$2,207,786
59$4,473,035$70,084$0$2,358,923
60$4,829,219$0$0$2,524,295
61$5,218,582$0$0$2,711,802
62$5,644,408$0$0$2,935,515
63$6,110,316$0$0$3,180,382
64$6,620,286$0$0$3,448,506
65$7,178,704$0$0$3,742,206
66$7,790,401$0$0$4,064,036
67$8,460,694$0$0$4,416,805
68$9,195,441$0$0$4,803,612
69$10,001,092$0$0$5,227,866
70$10,884,752$0$0$5,693,325
71$11,854,248$0$0$6,204,124
72$12,918,198$0$0$6,764,823
73$14,086,099$0$0$7,380,442
74$15,368,407$0$0$8,056,510
75$16,776,646$0$0$8,799,119
76$18,323,505$0$0$9,614,982
77$20,022,967$0$0$10,511,491
78$21,890,434$0$0$11,496,790
79$23,942,873$0$0$12,579,854
80$26,198,980$0$0$13,770,568
81$28,679,348$0$0$15,079,822
82$31,406,668$0$0$16,519,618
83$34,405,938$0$0$18,103,174
84$37,704,702$0$0$19,845,058
85$41,333,304$0$0$21,761,318
86$45,325,179$0$0$23,869,636
87$49,717,166$0$0$26,189,496
88$54,549,853$0$0$28,742,364
89$59,867,962$0$0$31,551,893
90$65,720,771$0$0$34,644,145
91$72,162,573$0$0$38,047,836
92$79,253,196$0$0$41,794,608
93$87,058,558$0$0$45,919,327
94$95,651,295$0$0$50,460,410
95$105,111,444$0$0$55,460,188
96$115,527,195$0$0$60,965,308
97$126,995,726$0$0$67,027,167
98$139,624,117$0$0$73,702,403
99$153,530,360$0$0$81,053,425
100$168,844,475$0$0$89,149,002