Can I retire at age 35 with 878,000?

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 $878,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$72,504$71,859$71,228$70,613$70,013$69,253
2 years$35,893$35,225$34,577$33,949$33,340$32,574
3 years$23,691$23,020$22,374$21,751$21,152$20,405
4 years$17,591$16,922$16,282$15,671$15,086$14,363
5 years$13,932$13,267$12,636$12,037$11,468$10,772
6 years$11,494$10,834$10,212$9,626$9,074$8,405
7 years$9,753$9,098$8,486$7,914$7,380$6,739
8 years$8,447$7,799$7,197$6,639$6,122$5,508
9 years$7,433$6,790$6,198$5,655$5,156$4,569
10 years$6,622$5,985$5,404$4,874$4,393$3,833
11 years$5,958$5,328$4,758$4,242$3,778$3,245
12 years$5,406$4,782$4,222$3,721$3,274$2,767
13 years$4,939$4,322$3,772$3,285$2,855$2,373
14 years$4,539$3,928$3,389$2,916$2,503$2,045
15 years$4,193$3,589$3,060$2,601$2,204$1,770
16 years$3,890$3,293$2,775$2,329$1,948$1,537
17 years$3,623$3,032$2,525$2,092$1,727$1,339
18 years$3,386$2,802$2,305$1,886$1,535$1,169
19 years$3,174$2,597$2,110$1,704$1,369$1,023
20 years$2,984$2,413$1,936$1,543$1,222$896
21 years$2,812$2,248$1,781$1,400$1,094$787
22 years$2,656$2,098$1,642$1,273$981$692
23 years$2,514$1,962$1,516$1,160$880$609
24 years$2,383$1,839$1,402$1,058$791$537
25 years$2,264$1,725$1,298$966$712$473
26 years$2,153$1,622$1,204$883$641$418
27 years$2,051$1,526$1,118$808$578$369
28 years$1,957$1,438$1,039$741$522$326
29 years$1,869$1,357$967$679$471$289
30 years$1,787$1,281$901$623$426$255
31 years$1,711$1,211$840$572$385$226
32 years$1,639$1,146$784$526$348$200
33 years$1,572$1,085$732$484$315$177
34 years$1,509$1,029$684$445$285$157
35 years$1,450$976$639$410$258$139
36 years$1,394$926$598$377$234$123
37 years$1,342$880$560$348$212$109
38 years$1,292$836$524$321$192$97
39 years$1,245$795$491$296$174$86
40 years$1,200$756$460$273$158$76
41 years$1,158$720$432$251$144$68
42 years$1,118$686$405$232$130$60
43 years$1,080$653$380$214$118$53
44 years$1,043$623$357$198$107$47
45 years$1,009$594$335$183$97$42
46 years$975$566$314$169$88$37
47 years$944$541$295$156$80$33
48 years$914$516$278$144$73$29
49 years$885$493$261$133$66$26
50 years$857$471$245$123$60$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $878,000, adding $2,870 every year, while hoping to spend $48,304 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: 31/43/26 Blend
34$878,000$878,000$878,000$878,000
35$970,516$923,982$910,373$992,773
36$1,018,114$917,862$889,476$1,003,995
37$1,068,948$909,824$866,259$1,011,596
38$1,123,296$899,721$840,595$1,018,812
39$1,181,466$887,401$812,348$1,025,642
40$1,243,792$872,700$781,379$1,032,090
41$1,310,643$855,446$747,539$1,038,164
42$1,382,422$835,457$710,675$1,043,879
43$1,459,572$812,537$670,626$1,049,255
44$1,542,580$786,484$627,224$1,054,321
45$1,631,981$757,078$580,293$1,059,115
46$1,728,360$724,092$529,649$1,063,683
47$1,832,361$687,282$475,102$1,068,087
48$1,944,694$646,391$416,450$1,072,396
49$2,066,136$601,147$353,484$1,076,700
50$2,197,542$551,263$285,986$1,081,101
51$2,339,853$496,436$213,727$1,085,724
52$2,494,101$436,345$136,470$1,090,711
53$2,661,423$370,650$53,966$1,096,232
54$2,843,069$298,992$0$1,102,483
55$3,040,414$220,995$0$1,119,144
56$3,254,970$136,257$0$1,153,612
57$3,488,400$44,357$0$1,191,279
58$3,742,535$0$0$1,232,568
59$4,019,388$0$0$1,304,049
60$4,321,177$0$0$1,404,971
61$4,650,340$0$0$1,515,176
62$5,009,562$0$0$1,635,579
63$5,401,799$0$0$1,767,188
64$5,830,304$0$0$1,911,111
65$6,298,658$0$0$2,068,570
66$6,810,805$0$0$2,240,910
67$7,371,086$0$0$2,429,610
68$7,984,282$0$0$2,636,302
69$8,655,655$0$0$2,862,781
70$9,391,004$0$0$3,111,025
71$10,196,710$0$0$3,383,211
72$11,079,806$0$0$3,681,738
73$12,048,033$0$0$4,009,248
74$13,109,918$0$0$4,368,652
75$14,274,855$0$0$4,763,154
76$15,553,189$0$0$5,196,285
77$16,956,315$0$0$5,671,936
78$18,496,786$0$0$6,194,390
79$20,188,430$0$0$6,768,368
80$22,046,478$0$0$7,399,070
81$24,087,709$0$0$8,092,223
82$26,330,610$0$0$8,854,140
83$28,795,544$0$0$9,691,771
84$31,504,947$0$0$10,612,779
85$34,483,535$0$0$11,625,601
86$37,758,539$0$0$12,739,536
87$41,359,960$0$0$13,964,828
88$45,320,853$0$0$15,312,764
89$49,677,636$0$0$16,795,781
90$54,470,433$0$0$18,427,581
91$59,743,454$0$0$20,223,262
92$65,545,410$0$0$22,199,458
93$71,929,972$0$0$24,374,498
94$78,956,275$0$0$26,768,580
95$86,689,479$0$0$29,403,957
96$95,201,379$0$0$32,305,148
97$104,571,084$0$0$35,499,174
98$114,885,763$0$0$39,015,806
99$126,241,464$0$0$42,887,850
100$138,744,024$0$0$47,151,454