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%19.5%
1 years$72,422$71,777$71,147$70,533$69,933$67,265
2 years$35,852$35,185$34,538$33,910$33,302$30,645
3 years$23,664$22,994$22,348$21,727$21,128$18,566
4 years$17,571$16,903$16,264$15,653$15,069$12,621
5 years$13,916$13,252$12,621$12,023$11,455$9,128
6 years$11,481$10,821$10,200$9,615$9,064$6,860
7 years$9,742$9,088$8,476$7,905$7,371$5,289
8 years$8,438$7,790$7,188$6,631$6,115$4,153
9 years$7,424$6,782$6,191$5,648$5,150$3,304
10 years$6,614$5,978$5,398$4,869$4,388$2,656
11 years$5,951$5,322$4,752$4,237$3,774$2,151
12 years$5,400$4,777$4,217$3,717$3,270$1,753
13 years$4,933$4,317$3,768$3,281$2,852$1,436
14 years$4,534$3,924$3,386$2,913$2,500$1,181
15 years$4,188$3,585$3,057$2,598$2,201$974
16 years$3,885$3,289$2,771$2,326$1,945$805
17 years$3,619$3,029$2,522$2,090$1,725$667
18 years$3,382$2,799$2,302$1,883$1,534$554
19 years$3,171$2,594$2,107$1,702$1,367$460
20 years$2,981$2,410$1,934$1,541$1,221$383
21 years$2,809$2,245$1,779$1,399$1,093$319
22 years$2,653$2,096$1,640$1,272$979$266
23 years$2,511$1,960$1,514$1,158$879$222
24 years$2,381$1,837$1,400$1,056$790$185
25 years$2,261$1,724$1,297$965$711$154
26 years$2,151$1,620$1,203$882$641$129
27 years$2,049$1,524$1,117$807$577$108
28 years$1,955$1,436$1,038$740$521$90
29 years$1,867$1,355$966$678$471$75
30 years$1,785$1,280$900$623$425$63
31 years$1,709$1,210$839$572$384$53
32 years$1,638$1,145$783$526$348$44
33 years$1,571$1,084$731$483$315$37
34 years$1,508$1,027$683$445$285$31
35 years$1,449$975$638$409$258$26
36 years$1,393$925$597$377$234$22
37 years$1,340$879$559$347$212$18
38 years$1,291$835$524$320$192$15
39 years$1,244$794$490$295$174$13
40 years$1,199$755$460$272$158$11
41 years$1,157$719$431$251$143$9
42 years$1,117$685$404$232$130$7
43 years$1,078$652$379$214$118$6
44 years$1,042$622$356$198$107$5
45 years$1,007$593$334$182$97$4
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 $2,380 every year, while hoping to spend $33,902 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: 72/21/7 Blend
34$877,000$877,000$877,000$877,000
35$968,909$922,428$908,834$1,037,511
36$1,031,666$931,555$903,209$1,092,225
37$1,099,688$939,994$896,259$1,147,651
38$1,173,477$947,674$887,904$1,207,386
39$1,253,583$954,521$878,060$1,271,845
40$1,340,613$960,457$866,639$1,341,487
41$1,435,233$965,397$853,549$1,416,814
42$1,538,178$969,253$838,694$1,498,384
43$1,650,254$971,929$821,973$1,586,807
44$1,772,351$973,324$803,280$1,682,760
45$1,905,445$973,331$782,504$1,786,986
46$2,050,613$971,837$759,530$1,900,306
47$2,209,038$968,720$734,237$2,023,624
48$2,382,025$963,852$706,499$2,157,937
49$2,571,008$957,096$676,183$2,304,344
50$2,777,566$948,310$643,151$2,464,057
51$3,003,439$937,339$607,258$2,638,411
52$3,250,543$924,021$568,353$2,828,880
53$3,520,984$908,184$526,279$3,037,087
54$3,817,085$889,645$480,870$3,264,823
55$4,141,403$868,213$431,955$3,514,060
56$4,496,753$843,683$379,352$3,786,976
57$4,886,236$815,837$322,874$4,085,969
58$5,313,267$784,448$262,326$4,413,685
59$5,781,607$749,273$197,500$4,773,040
60$6,295,398$710,055$128,184$5,167,248
61$6,859,205$666,524$54,155$5,599,856
62$7,478,053$618,392$0$6,074,770
63$8,157,478$565,357$0$6,598,156
64$8,903,580$507,099$0$7,177,345
65$9,723,076$443,277$0$7,813,544
66$10,623,368$373,536$0$8,512,547
67$11,612,608$297,496$0$9,280,739
68$12,699,779$214,759$0$10,125,158
69$13,894,776$124,902$0$11,053,564
70$15,208,501$27,479$0$12,074,508
71$16,652,965$0$0$13,197,417
72$18,241,399$0$0$14,450,699
73$19,988,383$0$0$15,836,110
74$21,909,980$0$0$17,360,042
75$24,023,888$0$0$19,036,538
76$26,349,605$0$0$20,881,069
77$28,908,617$0$0$22,910,680
78$31,724,596$0$0$25,144,153
79$34,823,624$0$0$27,602,182
80$38,234,442$0$0$30,307,571
81$41,988,716$0$0$33,285,443
82$46,121,337$0$0$36,563,483
83$50,670,754$0$0$40,172,195
84$55,679,331$0$0$44,145,192
85$61,193,747$0$0$48,519,510
86$67,265,440$0$0$53,335,961
87$73,951,089$0$0$58,639,516
88$81,313,148$0$0$64,479,726
89$89,420,437$0$0$70,911,196
90$98,348,789$0$0$77,994,094
91$108,181,769$0$0$85,794,721
92$119,011,458$0$0$94,386,137
93$130,939,321$0$0$103,848,848
94$144,077,171$0$0$114,271,568
95$158,548,215$0$0$125,752,056
96$174,488,224$0$0$138,398,033
97$192,046,809$0$0$152,328,208
98$211,388,834$0$0$167,673,388
99$232,695,973$0$0$184,577,719
100$256,168,422$0$0$203,200,043