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%17.7%
1 years$72,504$71,859$71,228$70,613$70,013$67,826
2 years$35,893$35,225$34,577$33,949$33,340$31,156
3 years$23,691$23,020$22,374$21,751$21,152$19,040
4 years$17,591$16,922$16,282$15,671$15,086$13,061
5 years$13,932$13,267$12,636$12,037$11,468$9,537
6 years$11,494$10,834$10,212$9,626$9,074$7,238
7 years$9,753$9,098$8,486$7,914$7,380$5,638
8 years$8,447$7,799$7,197$6,639$6,122$4,474
9 years$7,433$6,790$6,198$5,655$5,156$3,600
10 years$6,622$5,985$5,404$4,874$4,393$2,926
11 years$5,958$5,328$4,758$4,242$3,778$2,398
12 years$5,406$4,782$4,222$3,721$3,274$1,978
13 years$4,939$4,322$3,772$3,285$2,855$1,640
14 years$4,539$3,928$3,389$2,916$2,503$1,365
15 years$4,193$3,589$3,060$2,601$2,204$1,141
16 years$3,890$3,293$2,775$2,329$1,948$955
17 years$3,623$3,032$2,525$2,092$1,727$802
18 years$3,386$2,802$2,305$1,886$1,535$675
19 years$3,174$2,597$2,110$1,704$1,369$568
20 years$2,984$2,413$1,936$1,543$1,222$480
21 years$2,812$2,248$1,781$1,400$1,094$405
22 years$2,656$2,098$1,642$1,273$981$342
23 years$2,514$1,962$1,516$1,160$880$290
24 years$2,383$1,839$1,402$1,058$791$245
25 years$2,264$1,725$1,298$966$712$208
26 years$2,153$1,622$1,204$883$641$176
27 years$2,051$1,526$1,118$808$578$149
28 years$1,957$1,438$1,039$741$522$127
29 years$1,869$1,357$967$679$471$107
30 years$1,787$1,281$901$623$426$91
31 years$1,711$1,211$840$572$385$77
32 years$1,639$1,146$784$526$348$66
33 years$1,572$1,085$732$484$315$56
34 years$1,509$1,029$684$445$285$47
35 years$1,450$976$639$410$258$40
36 years$1,394$926$598$377$234$34
37 years$1,342$880$560$348$212$29
38 years$1,292$836$524$321$192$25
39 years$1,245$795$491$296$174$21
40 years$1,200$756$460$273$158$18
41 years$1,158$720$432$251$144$15
42 years$1,118$686$405$232$130$13
43 years$1,080$653$380$214$118$11
44 years$1,043$623$357$198$107$9
45 years$1,009$594$335$183$97$8
46 years$975$566$314$169$88$7
47 years$944$541$295$156$80$6
48 years$914$516$278$144$73$5
49 years$885$493$261$133$66$4
50 years$857$471$245$123$60$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $878,000, adding $3,074 every year, while hoping to spend $20,625 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: 44/41/15 Blend
34$878,000$878,000$878,000$878,000
35$970,727$924,193$910,584$1,009,113
36$1,047,796$947,533$919,144$1,059,606
37$1,132,035$971,326$927,299$1,111,998
38$1,224,154$995,572$935,014$1,168,338
39$1,324,933$1,020,271$942,252$1,229,000
40$1,435,233$1,045,421$948,975$1,294,394
41$1,556,000$1,071,020$955,139$1,364,973
42$1,688,279$1,097,067$960,703$1,441,234
43$1,833,218$1,123,558$965,621$1,523,726
44$1,992,082$1,150,488$969,845$1,613,053
45$2,166,264$1,177,851$973,324$1,709,880
46$2,357,298$1,205,641$976,006$1,814,941
47$2,566,876$1,233,851$977,836$1,929,043
48$2,796,858$1,262,470$978,754$2,053,076
49$3,049,295$1,291,489$978,700$2,188,020
50$3,326,446$1,320,895$977,610$2,334,956
51$3,630,800$1,350,675$975,416$2,495,074
52$3,965,097$1,380,814$972,047$2,669,685
53$4,332,357$1,411,294$967,431$2,860,235
54$4,735,906$1,442,096$961,489$3,068,316
55$5,179,409$1,473,199$954,139$3,295,685
56$5,666,904$1,504,581$945,298$3,544,274
57$6,202,837$1,536,215$934,875$3,816,217
58$6,792,110$1,568,073$922,776$4,113,863
59$7,440,121$1,600,124$908,905$4,439,801
60$8,152,818$1,632,335$893,158$4,796,885
61$8,936,756$1,664,669$875,429$5,188,260
62$9,799,154$1,697,087$855,605$5,617,394
63$10,747,968$1,729,545$833,569$6,088,108
64$11,791,965$1,761,997$809,197$6,604,611
65$12,940,801$1,794,391$782,361$7,171,547
66$14,205,120$1,826,673$752,928$7,794,030
67$15,596,647$1,858,785$720,755$8,477,699
68$17,128,301$1,890,661$685,697$9,228,769
69$18,814,320$1,922,235$647,599$10,054,090
70$20,670,388$1,953,433$606,302$10,961,211
71$22,713,791$1,984,175$561,636$11,958,452
72$24,963,575$2,014,376$513,428$13,054,987
73$27,440,725$2,043,946$461,493$14,260,922
74$30,168,367$2,072,787$405,641$15,587,399
75$33,171,982$2,100,795$345,672$17,046,698
76$36,479,648$2,127,859$281,376$18,652,354
77$40,122,307$2,153,858$212,537$20,419,284
78$44,134,051$2,178,666$138,926$22,363,929
79$48,552,451$2,202,147$60,306$24,504,411
80$53,418,903$2,224,155$0$26,860,703
81$58,779,029$2,244,536$0$29,458,594
82$64,683,096$2,263,124$0$32,329,115
83$71,186,499$2,279,745$0$35,489,389
84$78,350,279$2,294,210$0$38,968,931
85$86,241,702$2,306,321$0$42,800,273
86$94,934,891$2,315,865$0$47,019,262
87$104,511,525$2,322,618$0$51,665,408
88$115,061,615$2,326,340$0$56,782,251
89$126,684,345$2,326,777$0$62,417,774
90$139,489,018$2,323,659$0$68,624,858
91$153,596,077$2,316,697$0$75,461,781
92$169,138,251$2,305,589$0$82,992,769
93$186,261,801$2,290,011$0$91,288,602
94$205,127,903$2,269,621$0$100,427,284
95$225,914,171$2,244,054$0$110,494,778
96$248,816,329$2,212,926$0$121,585,822
97$274,050,064$2,175,828$0$133,804,822
98$301,853,055$2,132,328$0$147,266,838
99$332,487,223$2,081,968$0$162,098,672
100$366,241,198$2,024,263$0$178,440,067