Can I retire at age 35 with 877,000?

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 $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%19.1%
1 years$72,422$71,777$71,147$70,533$69,933$67,372
2 years$35,852$35,185$34,538$33,910$33,302$30,749
3 years$23,664$22,994$22,348$21,727$21,128$18,665
4 years$17,571$16,903$16,264$15,653$15,069$12,714
5 years$13,916$13,252$12,621$12,023$11,455$9,215
6 years$11,481$10,821$10,200$9,615$9,064$6,940
7 years$9,742$9,088$8,476$7,905$7,371$5,363
8 years$8,438$7,790$7,188$6,631$6,115$4,221
9 years$7,424$6,782$6,191$5,648$5,150$3,367
10 years$6,614$5,978$5,398$4,869$4,388$2,713
11 years$5,951$5,322$4,752$4,237$3,774$2,204
12 years$5,400$4,777$4,217$3,717$3,270$1,801
13 years$4,933$4,317$3,768$3,281$2,852$1,479
14 years$4,534$3,924$3,386$2,913$2,500$1,219
15 years$4,188$3,585$3,057$2,598$2,201$1,008
16 years$3,885$3,289$2,771$2,326$1,945$836
17 years$3,619$3,029$2,522$2,090$1,725$695
18 years$3,382$2,799$2,302$1,883$1,534$578
19 years$3,171$2,594$2,107$1,702$1,367$482
20 years$2,981$2,410$1,934$1,541$1,221$402
21 years$2,809$2,245$1,779$1,399$1,093$336
22 years$2,653$2,096$1,640$1,272$979$281
23 years$2,511$1,960$1,514$1,158$879$235
24 years$2,381$1,837$1,400$1,056$790$197
25 years$2,261$1,724$1,297$965$711$165
26 years$2,151$1,620$1,203$882$641$138
27 years$2,049$1,524$1,117$807$577$116
28 years$1,955$1,436$1,038$740$521$97
29 years$1,867$1,355$966$678$471$81
30 years$1,785$1,280$900$623$425$68
31 years$1,709$1,210$839$572$384$57
32 years$1,638$1,145$783$526$348$48
33 years$1,571$1,084$731$483$315$40
34 years$1,508$1,027$683$445$285$34
35 years$1,449$975$638$409$258$28
36 years$1,393$925$597$377$234$24
37 years$1,340$879$559$347$212$20
38 years$1,291$835$524$320$192$17
39 years$1,244$794$490$295$174$14
40 years$1,199$755$460$272$158$12
41 years$1,157$719$431$251$143$10
42 years$1,117$685$404$232$130$8
43 years$1,078$652$379$214$118$7
44 years$1,042$622$356$198$107$6
45 years$1,007$593$334$182$97$5
46 years$974$566$314$169$88$4
47 years$943$540$295$156$80$3
48 years$913$515$277$144$73$3
49 years$884$492$261$133$66$2
50 years$856$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 $877,000, adding $6,180 every year, while hoping to spend $33,387 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: 63/9/28 Blend
34$877,000$877,000$877,000$877,000
35$972,829$926,348$912,754$1,026,488
36$1,036,534$936,215$907,808$1,073,486
37$1,105,618$945,447$901,577$1,120,604
38$1,180,594$953,977$893,983$1,171,355
39$1,262,027$961,735$884,944$1,226,100
40$1,350,538$968,645$874,374$1,285,240
41$1,446,811$974,626$862,184$1,349,214
42$1,551,597$979,594$848,278$1,418,509
43$1,665,723$983,457$832,558$1,493,664
44$1,790,100$986,119$814,922$1,575,270
45$1,925,729$987,478$795,261$1,663,982
46$2,073,713$987,424$773,462$1,760,524
47$2,235,265$985,841$749,406$1,865,691
48$2,411,722$982,607$722,971$1,980,366
49$2,604,554$977,591$694,027$2,105,519
50$2,815,380$970,655$662,438$2,242,222
51$3,045,983$961,651$628,064$2,391,657
52$3,298,325$950,424$590,757$2,555,132
53$3,574,569$936,810$550,361$2,734,085
54$3,877,093$920,632$506,717$2,930,107
55$4,208,520$901,706$459,655$3,144,950
56$4,571,734$879,835$408,999$3,380,549
57$4,969,916$854,812$354,566$3,639,039
58$5,406,567$826,417$296,162$3,922,774
59$5,885,541$794,416$233,589$4,234,351
60$6,411,088$758,564$166,636$4,576,635
61$6,987,885$718,599$95,084$4,952,788
62$7,621,085$674,247$18,705$5,366,293
63$8,316,366$625,215$0$5,820,997
64$9,079,980$571,195$0$6,339,903
65$9,918,816$511,861$0$6,916,108
66$10,840,462$446,870$0$7,549,253
67$11,853,280$375,857$0$8,245,108
68$12,966,478$298,437$0$9,010,029
69$14,190,203$214,205$0$9,851,022
70$15,535,634$122,732$0$10,775,807
71$17,015,087$23,564$0$11,792,891
72$18,642,132$0$0$12,911,649
73$20,431,717$0$0$14,150,708
74$22,400,315$0$0$15,516,349
75$24,566,073$0$0$17,018,836
76$26,948,988$0$0$18,672,052
77$29,571,091$0$0$20,491,290
78$32,456,658$0$0$22,493,404
79$35,632,436$0$0$24,696,961
80$39,127,898$0$0$27,122,422
81$42,975,516$0$0$29,792,330
82$47,211,074$0$0$32,731,527
83$51,873,998$0$0$35,967,384
84$57,007,733$0$0$39,530,062
85$62,660,151$0$0$43,452,793
86$68,884,001$0$0$47,772,199
87$75,737,408$0$0$52,528,632
88$83,284,420$0$0$57,766,557
89$91,595,614$0$0$63,534,971
90$100,748,759$0$0$69,887,863
91$110,829,553$0$0$76,884,729
92$121,932,427$0$0$84,591,127
93$134,161,440$0$0$93,079,298
94$147,631,256$0$0$102,428,849
95$162,468,233$0$0$112,727,501
96$178,811,606$0$0$124,071,919
97$196,814,810$0$0$136,568,623
98$216,646,919$0$0$150,334,995
99$238,494,249$0$0$165,500,382
100$262,562,111$0$0$182,207,322