Can I retire at age 35 with 878,000?

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 $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%15.6%
1 years$72,504$71,859$71,228$70,613$70,013$68,404
2 years$35,893$35,225$34,577$33,949$33,340$31,727
3 years$23,691$23,020$22,374$21,751$21,152$19,587
4 years$17,591$16,922$16,282$15,671$15,086$13,580
5 years$13,932$13,267$12,636$12,037$11,468$10,026
6 years$11,494$10,834$10,212$9,626$9,074$7,697
7 years$9,753$9,098$8,486$7,914$7,380$6,068
8 years$8,447$7,799$7,197$6,639$6,122$4,875
9 years$7,433$6,790$6,198$5,655$5,156$3,972
10 years$6,622$5,985$5,404$4,874$4,393$3,272
11 years$5,958$5,328$4,758$4,242$3,778$2,718
12 years$5,406$4,782$4,222$3,721$3,274$2,273
13 years$4,939$4,322$3,772$3,285$2,855$1,911
14 years$4,539$3,928$3,389$2,916$2,503$1,614
15 years$4,193$3,589$3,060$2,601$2,204$1,368
16 years$3,890$3,293$2,775$2,329$1,948$1,164
17 years$3,623$3,032$2,525$2,092$1,727$992
18 years$3,386$2,802$2,305$1,886$1,535$848
19 years$3,174$2,597$2,110$1,704$1,369$725
20 years$2,984$2,413$1,936$1,543$1,222$622
21 years$2,812$2,248$1,781$1,400$1,094$534
22 years$2,656$2,098$1,642$1,273$981$459
23 years$2,514$1,962$1,516$1,160$880$394
24 years$2,383$1,839$1,402$1,058$791$339
25 years$2,264$1,725$1,298$966$712$292
26 years$2,153$1,622$1,204$883$641$252
27 years$2,051$1,526$1,118$808$578$217
28 years$1,957$1,438$1,039$741$522$187
29 years$1,869$1,357$967$679$471$162
30 years$1,787$1,281$901$623$426$140
31 years$1,711$1,211$840$572$385$121
32 years$1,639$1,146$784$526$348$104
33 years$1,572$1,085$732$484$315$90
34 years$1,509$1,029$684$445$285$78
35 years$1,450$976$639$410$258$67
36 years$1,394$926$598$377$234$58
37 years$1,342$880$560$348$212$50
38 years$1,292$836$524$321$192$43
39 years$1,245$795$491$296$174$38
40 years$1,200$756$460$273$158$32
41 years$1,158$720$432$251$144$28
42 years$1,118$686$405$232$130$24
43 years$1,080$653$380$214$118$21
44 years$1,043$623$357$198$107$18
45 years$1,009$594$335$183$97$16
46 years$975$566$314$169$88$14
47 years$944$541$295$156$80$12
48 years$914$516$278$144$73$10
49 years$885$493$261$133$66$9
50 years$857$471$245$123$60$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $878,000, adding $2,710 every year, while hoping to spend $43,268 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: 53/38/9 Blend
34$878,000$878,000$878,000$878,000
35$970,351$923,817$910,208$1,019,447
36$1,023,290$923,048$894,664$1,052,310
37$1,080,179$920,790$877,148$1,083,117
38$1,141,374$916,926$857,549$1,115,609
39$1,207,269$911,329$835,752$1,149,954
40$1,278,293$903,867$811,632$1,186,338
41$1,354,920$894,398$785,063$1,224,971
42$1,437,669$882,771$755,910$1,266,084
43$1,527,112$868,827$724,033$1,309,933
44$1,623,877$852,399$689,288$1,356,805
45$1,728,653$833,307$651,519$1,407,018
46$1,842,199$811,362$610,569$1,460,924
47$1,965,349$786,365$566,269$1,518,916
48$2,099,021$758,103$518,445$1,581,428
49$2,244,223$726,352$466,915$1,648,945
50$2,402,066$690,876$411,488$1,722,001
51$2,573,770$651,422$351,967$1,801,193
52$2,760,678$607,726$288,142$1,887,179
53$2,964,270$559,506$219,797$1,980,690
54$3,186,171$506,468$146,705$2,082,539
55$3,428,171$448,295$68,631$2,193,623
56$3,692,241$384,659$0$2,314,938
57$3,980,550$315,207$0$2,448,999
58$4,295,485$239,571$0$2,602,741
59$4,639,674$157,360$0$2,770,948
60$5,016,012$68,161$0$2,955,144
61$5,427,683$0$0$3,157,016
62$5,878,195$0$0$3,390,331
63$6,371,412$0$0$3,677,048
64$6,911,586$0$0$3,991,149
65$7,503,403$0$0$4,335,368
66$8,152,020$0$0$4,712,716
67$8,863,119$0$0$5,126,511
68$9,642,958$0$0$5,580,406
69$10,498,427$0$0$6,078,425
70$11,437,119$0$0$6,624,999
71$12,467,395$0$0$7,225,010
72$13,598,466$0$0$7,883,837
73$14,840,476$0$0$8,607,404
74$16,204,603$0$0$9,402,235
75$17,703,159$0$0$10,275,522
76$19,349,706$0$0$11,235,182
77$21,159,187$0$0$12,289,942
78$23,148,064$0$0$13,449,414
79$25,334,470$0$0$14,724,188
80$27,738,388$0$0$16,125,931
81$30,381,828$0$0$17,667,498
82$33,289,045$0$0$19,363,051
83$36,486,758$0$0$21,228,196
84$40,004,408$0$0$23,280,123
85$43,874,432$0$0$25,537,777
86$48,132,571$0$0$28,022,028
87$52,818,203$0$0$30,755,874
88$57,974,716$0$0$33,764,654
89$63,649,919$0$0$37,076,287
90$69,896,489$0$0$40,721,538
91$76,772,468$0$0$44,734,303
92$84,341,814$0$0$49,151,934
93$92,674,997$0$0$54,015,588
94$101,849,670$0$0$59,370,614
95$111,951,398$0$0$65,266,984
96$123,074,462$0$0$71,759,761
97$135,322,756$0$0$78,909,622
98$148,810,759$0$0$86,783,425
99$163,664,619$0$0$95,454,844
100$180,023,339$0$0$105,005,062