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%12.4%
1 years$72,504$71,859$71,228$70,613$70,013$69,311
2 years$35,893$35,225$34,577$33,949$33,340$32,632
3 years$23,691$23,020$22,374$21,751$21,152$20,461
4 years$17,591$16,922$16,282$15,671$15,086$14,417
5 years$13,932$13,267$12,636$12,037$11,468$10,824
6 years$11,494$10,834$10,212$9,626$9,074$8,455
7 years$9,753$9,098$8,486$7,914$7,380$6,786
8 years$8,447$7,799$7,197$6,639$6,122$5,553
9 years$7,433$6,790$6,198$5,655$5,156$4,612
10 years$6,622$5,985$5,404$4,874$4,393$3,874
11 years$5,958$5,328$4,758$4,242$3,778$3,283
12 years$5,406$4,782$4,222$3,721$3,274$2,803
13 years$4,939$4,322$3,772$3,285$2,855$2,407
14 years$4,539$3,928$3,389$2,916$2,503$2,077
15 years$4,193$3,589$3,060$2,601$2,204$1,800
16 years$3,890$3,293$2,775$2,329$1,948$1,565
17 years$3,623$3,032$2,525$2,092$1,727$1,365
18 years$3,386$2,802$2,305$1,886$1,535$1,194
19 years$3,174$2,597$2,110$1,704$1,369$1,046
20 years$2,984$2,413$1,936$1,543$1,222$918
21 years$2,812$2,248$1,781$1,400$1,094$807
22 years$2,656$2,098$1,642$1,273$981$711
23 years$2,514$1,962$1,516$1,160$880$627
24 years$2,383$1,839$1,402$1,058$791$553
25 years$2,264$1,725$1,298$966$712$489
26 years$2,153$1,622$1,204$883$641$432
27 years$2,051$1,526$1,118$808$578$382
28 years$1,957$1,438$1,039$741$522$338
29 years$1,869$1,357$967$679$471$300
30 years$1,787$1,281$901$623$426$266
31 years$1,711$1,211$840$572$385$236
32 years$1,639$1,146$784$526$348$209
33 years$1,572$1,085$732$484$315$185
34 years$1,509$1,029$684$445$285$165
35 years$1,450$976$639$410$258$146
36 years$1,394$926$598$377$234$130
37 years$1,342$880$560$348$212$115
38 years$1,292$836$524$321$192$102
39 years$1,245$795$491$296$174$91
40 years$1,200$756$460$273$158$81
41 years$1,158$720$432$251$144$72
42 years$1,118$686$405$232$130$64
43 years$1,080$653$380$214$118$57
44 years$1,043$623$357$198$107$50
45 years$1,009$594$335$183$97$45
46 years$975$566$314$169$88$40
47 years$944$541$295$156$80$35
48 years$914$516$278$144$73$32
49 years$885$493$261$133$66$28
50 years$857$471$245$123$60$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $878,000, adding $2,954 every year, while hoping to spend $52,384 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: 38/47/15 Blend
34$878,000$878,000$878,000$878,000
35$970,603$924,069$910,460$1,002,984
36$1,013,868$913,612$885,224$1,015,962
37$1,059,791$900,887$857,387$1,024,720
38$1,108,587$885,728$826,807$1,033,060
39$1,160,492$867,958$793,334$1,040,971
40$1,215,764$847,390$756,813$1,048,443
41$1,274,687$823,827$717,081$1,055,473
42$1,337,569$797,059$673,968$1,062,062
43$1,404,751$766,864$627,295$1,068,214
44$1,476,604$733,009$576,878$1,073,941
45$1,553,536$695,245$522,522$1,079,262
46$1,635,994$653,309$464,023$1,084,203
47$1,724,468$606,924$401,171$1,088,800
48$1,819,498$555,797$333,744$1,093,099
49$1,921,673$499,617$261,511$1,097,160
50$2,031,642$438,057$184,230$1,101,055
51$2,150,118$370,771$101,651$1,104,873
52$2,277,883$297,391$13,509$1,108,720
53$2,415,797$217,533$0$1,112,724
54$2,564,802$130,786$0$1,129,926
55$2,725,938$36,721$0$1,150,756
56$2,900,346$0$0$1,173,301
57$3,089,277$0$0$1,231,529
58$3,294,113$0$0$1,315,349
59$3,516,368$0$0$1,406,402
60$3,757,711$0$0$1,505,384
61$4,019,974$0$0$1,613,061
62$4,305,176$0$0$1,730,276
63$4,615,537$0$0$1,857,957
64$4,953,498$0$0$1,997,124
65$5,321,747$0$0$2,148,900
66$5,723,242$0$0$2,314,522
67$6,161,237$0$0$2,495,349
68$6,639,316$0$0$2,692,881
69$7,161,423$0$0$2,908,765
70$7,731,899$0$0$3,144,818
71$8,355,524$0$0$3,403,038
72$9,037,560$0$0$3,685,626
73$9,783,801$0$0$3,995,005
74$10,600,628$0$0$4,333,845
75$11,495,066$0$0$4,705,083
76$12,474,852$0$0$5,111,958
77$13,548,506$0$0$5,558,033
78$14,725,411$0$0$6,047,234
79$16,015,901$0$0$6,583,885
80$17,431,358$0$0$7,172,750
81$18,984,321$0$0$7,819,074
82$20,688,596$0$0$8,528,636
83$22,559,396$0$0$9,307,802
84$24,613,476$0$0$10,163,585
85$26,869,291$0$0$11,103,708
86$29,347,175$0$0$12,136,682
87$32,069,525$0$0$13,271,882
88$35,061,017$0$0$14,519,637
89$38,348,833$0$0$15,891,323
90$41,962,922$0$0$17,399,479
91$45,936,276$0$0$19,057,914
92$50,305,247$0$0$20,881,846
93$55,109,882$0$0$22,888,039
94$60,394,305$0$0$25,094,966
95$66,207,131$0$0$27,522,979
96$72,601,922$0$0$30,194,501
97$79,637,693$0$0$33,134,240
98$87,379,471$0$0$36,369,419
99$95,898,900$0$0$39,930,035
100$105,274,922$0$0$43,849,137