Can I retire at age 35 with 881,000?

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 $881,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$72,752$72,104$71,472$70,855$70,252$69,693
2 years$36,016$35,345$34,695$34,065$33,453$32,889
3 years$23,772$23,098$22,450$21,826$21,224$20,673
4 years$17,651$16,980$16,338$15,724$15,137$14,603
5 years$13,980$13,312$12,679$12,078$11,507$10,992
6 years$11,533$10,871$10,246$9,659$9,105$8,610
7 years$9,786$9,129$8,515$7,941$7,405$6,929
8 years$8,476$7,825$7,221$6,661$6,143$5,687
9 years$7,458$6,813$6,220$5,674$5,173$4,737
10 years$6,644$6,006$5,422$4,891$4,408$3,991
11 years$5,979$5,346$4,774$4,257$3,791$3,393
12 years$5,424$4,799$4,237$3,734$3,285$2,905
13 years$4,956$4,337$3,785$3,296$2,865$2,503
14 years$4,554$3,942$3,401$2,926$2,511$2,167
15 years$4,207$3,601$3,071$2,610$2,211$1,885
16 years$3,903$3,304$2,784$2,337$1,954$1,644
17 years$3,635$3,043$2,533$2,099$1,733$1,439
18 years$3,398$2,812$2,313$1,892$1,541$1,263
19 years$3,185$2,606$2,117$1,710$1,373$1,111
20 years$2,994$2,421$1,943$1,548$1,227$979
21 years$2,822$2,255$1,787$1,405$1,098$864
22 years$2,665$2,105$1,647$1,278$984$763
23 years$2,522$1,969$1,521$1,164$883$676
24 years$2,391$1,845$1,406$1,061$794$599
25 years$2,271$1,731$1,303$969$714$531
26 years$2,161$1,627$1,208$886$643$471
27 years$2,058$1,531$1,122$811$580$419
28 years$1,964$1,443$1,043$743$523$372
29 years$1,875$1,361$971$682$473$331
30 years$1,793$1,286$904$625$427$294
31 years$1,717$1,215$843$574$386$262
32 years$1,645$1,150$786$528$349$233
33 years$1,578$1,089$734$485$316$208
34 years$1,515$1,032$686$447$286$185
35 years$1,455$979$641$411$259$165
36 years$1,399$929$600$379$235$147
37 years$1,346$883$562$349$213$131
38 years$1,296$839$526$322$193$117
39 years$1,249$798$493$297$175$105
40 years$1,204$759$462$274$159$93
41 years$1,162$722$433$252$144$83
42 years$1,122$688$406$233$131$74
43 years$1,083$655$381$215$119$66
44 years$1,047$625$358$199$108$59
45 years$1,012$596$336$183$98$53
46 years$979$568$316$169$89$47
47 years$947$542$296$156$81$42
48 years$917$518$279$145$73$38
49 years$888$494$262$134$66$34
50 years$860$472$246$123$60$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $881,000, adding $3,803 every year, while hoping to spend $35,790 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: 66/26/8 Blend
34$881,000$881,000$881,000$881,000
35$974,785$928,092$914,436$1,037,389
36$1,036,133$935,488$906,990$1,086,886
37$1,102,538$942,047$898,094$1,136,336
38$1,174,480$947,690$887,663$1,189,440
39$1,252,484$952,334$875,606$1,246,549
40$1,337,127$955,888$861,829$1,308,051
41$1,429,046$958,259$846,233$1,374,375
42$1,528,940$959,345$828,713$1,445,994
43$1,637,579$959,039$809,161$1,523,428
44$1,755,808$957,228$787,464$1,607,254
45$1,884,559$953,791$763,503$1,698,106
46$2,024,857$948,600$737,154$1,796,685
47$2,177,830$941,519$708,286$1,903,762
48$2,344,719$932,404$676,763$2,020,191
49$2,526,890$921,101$642,445$2,146,911
50$2,725,847$907,450$605,181$2,284,961
51$2,943,247$891,278$564,818$2,435,485
52$3,180,911$872,403$521,192$2,599,746
53$3,440,846$850,633$474,134$2,779,137
54$3,725,263$825,765$423,468$2,975,196
55$4,036,593$797,581$369,008$3,189,617
56$4,377,517$765,854$310,562$3,424,271
57$4,750,985$730,342$247,927$3,681,222
58$5,160,246$690,789$180,893$3,962,746
59$5,608,878$646,925$109,240$4,271,354
60$6,100,823$598,464$32,738$4,609,815
61$6,640,422$545,103$0$4,981,185
62$7,232,454$486,522$0$5,393,008
63$7,882,187$422,385$0$5,848,079
64$8,595,422$352,334$0$6,347,723
65$9,378,548$275,991$0$6,896,485
66$10,238,605$192,959$0$7,499,375
67$11,183,345$102,817$0$8,161,919
68$12,221,312$5,121$0$8,890,208
69$13,361,916$0$0$9,690,958
70$14,615,522$0$0$10,600,356
71$15,993,554$0$0$11,601,687
72$17,508,593$0$0$12,702,636
73$19,174,503$0$0$13,913,287
74$21,006,556$0$0$15,244,745
75$23,021,581$0$0$16,709,250
76$25,238,117$0$0$18,320,285
77$27,676,593$0$0$20,092,706
78$30,359,515$0$0$22,042,883
79$33,311,683$0$0$24,188,850
80$36,560,419$0$0$26,550,480
81$40,135,832$0$0$29,149,669
82$44,071,094$0$0$32,010,543
83$48,402,756$0$0$35,159,685
84$53,171,095$0$0$38,626,388
85$58,420,489$0$0$42,442,928
86$64,199,839$0$0$46,644,870
87$70,563,027$0$0$51,271,402
88$77,569,426$0$0$56,365,705
89$85,284,461$0$0$61,975,363
90$93,780,222$0$0$68,152,808
91$103,136,148$0$0$74,955,814
92$113,439,775$0$0$82,448,047
93$124,787,559$0$0$90,699,660
94$137,285,791$0$0$99,787,958
95$151,051,594$0$0$109,798,126
96$166,214,033$0$0$120,824,032
97$182,915,328$0$0$132,969,115
98$201,312,201$0$0$146,347,359
99$221,577,349$0$0$161,084,369
100$243,901,078$0$0$177,318,556