Can I retire at age 35 with 881,000?

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 $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%17.7%
1 years$72,752$72,104$71,472$70,855$70,252$68,058
2 years$36,016$35,345$34,695$34,065$33,453$31,262
3 years$23,772$23,098$22,450$21,826$21,224$19,105
4 years$17,651$16,980$16,338$15,724$15,137$13,106
5 years$13,980$13,312$12,679$12,078$11,507$9,569
6 years$11,533$10,871$10,246$9,659$9,105$7,263
7 years$9,786$9,129$8,515$7,941$7,405$5,658
8 years$8,476$7,825$7,221$6,661$6,143$4,490
9 years$7,458$6,813$6,220$5,674$5,173$3,612
10 years$6,644$6,006$5,422$4,891$4,408$2,936
11 years$5,979$5,346$4,774$4,257$3,791$2,407
12 years$5,424$4,799$4,237$3,734$3,285$1,985
13 years$4,956$4,337$3,785$3,296$2,865$1,646
14 years$4,554$3,942$3,401$2,926$2,511$1,370
15 years$4,207$3,601$3,071$2,610$2,211$1,145
16 years$3,903$3,304$2,784$2,337$1,954$959
17 years$3,635$3,043$2,533$2,099$1,733$805
18 years$3,398$2,812$2,313$1,892$1,541$677
19 years$3,185$2,606$2,117$1,710$1,373$570
20 years$2,994$2,421$1,943$1,548$1,227$481
21 years$2,822$2,255$1,787$1,405$1,098$406
22 years$2,665$2,105$1,647$1,278$984$344
23 years$2,522$1,969$1,521$1,164$883$291
24 years$2,391$1,845$1,406$1,061$794$246
25 years$2,271$1,731$1,303$969$714$208
26 years$2,161$1,627$1,208$886$643$177
27 years$2,058$1,531$1,122$811$580$150
28 years$1,964$1,443$1,043$743$523$127
29 years$1,875$1,361$971$682$473$108
30 years$1,793$1,286$904$625$427$91
31 years$1,717$1,215$843$574$386$78
32 years$1,645$1,150$786$528$349$66
33 years$1,578$1,089$734$485$316$56
34 years$1,515$1,032$686$447$286$47
35 years$1,455$979$641$411$259$40
36 years$1,399$929$600$379$235$34
37 years$1,346$883$562$349$213$29
38 years$1,296$839$526$322$193$25
39 years$1,249$798$493$297$175$21
40 years$1,204$759$462$274$159$18
41 years$1,162$722$433$252$144$15
42 years$1,122$688$406$233$131$13
43 years$1,083$655$381$215$119$11
44 years$1,047$625$358$199$108$9
45 years$1,012$596$336$183$98$8
46 years$979$568$316$169$89$7
47 years$947$542$296$156$81$6
48 years$917$518$279$145$73$5
49 years$888$494$262$134$66$4
50 years$860$472$246$123$60$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $881,000, adding $5,644 every year, while hoping to spend $22,651 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: 26/47/27 Blend
34$881,000$881,000$881,000$881,000
35$976,684$929,991$916,335$993,710
36$1,052,205$951,460$922,932$1,029,528
37$1,134,670$973,222$928,991$1,065,620
38$1,224,764$995,267$934,469$1,103,877
39$1,323,239$1,017,584$939,323$1,144,498
40$1,430,926$1,040,162$943,507$1,187,700
41$1,548,737$1,062,987$946,971$1,233,726
42$1,677,679$1,086,044$949,665$1,282,841
43$1,818,858$1,109,316$951,535$1,335,341
44$1,973,495$1,132,785$952,524$1,391,550
45$2,142,931$1,156,432$952,573$1,451,826
46$2,328,646$1,180,233$951,621$1,516,565
47$2,532,269$1,204,165$949,601$1,586,203
48$2,755,593$1,228,203$946,446$1,661,223
49$3,000,596$1,252,316$942,083$1,742,157
50$3,269,452$1,276,475$936,439$1,829,592
51$3,564,559$1,300,646$929,433$1,924,177
52$3,888,559$1,324,792$920,984$2,026,628
53$4,244,360$1,348,875$911,005$2,137,734
54$4,635,166$1,372,852$899,405$2,258,367
55$5,064,508$1,396,676$886,090$2,389,491
56$5,536,274$1,420,300$870,960$2,532,167
57$6,054,749$1,443,669$853,912$2,687,567
58$6,624,652$1,466,727$834,837$2,856,987
59$7,251,183$1,489,414$813,620$3,041,853
60$7,940,071$1,511,662$790,144$3,243,742
61$8,697,628$1,533,403$764,283$3,464,394
62$9,530,807$1,554,561$735,907$3,705,726
63$10,447,270$1,575,055$704,881$3,969,857
64$11,455,458$1,594,799$671,061$4,259,123
65$12,564,672$1,613,702$634,299$4,576,102
66$13,785,160$1,631,664$594,439$4,923,639
67$15,128,213$1,648,582$551,319$5,304,872
68$16,606,271$1,664,344$504,770$5,723,263
69$18,233,044$1,678,829$454,612$6,182,632
70$20,023,634$1,691,912$400,662$6,687,191
71$21,994,686$1,703,457$342,725$7,241,589
72$24,164,537$1,713,319$280,599$7,850,954
73$26,553,394$1,721,346$214,074$8,520,939
74$29,183,523$1,727,375$142,928$9,257,783
75$32,079,459$1,731,232$66,932$10,068,367
76$35,268,235$1,732,734$0$10,960,277
77$38,779,641$1,731,684$0$11,945,966
78$42,646,503$1,727,876$0$13,051,425
79$46,904,992$1,721,087$0$14,267,605
80$51,594,967$1,711,086$0$15,605,810
81$56,760,347$1,697,623$0$17,078,502
82$62,449,531$1,680,435$0$18,699,417
83$68,715,850$1,659,243$0$20,483,698
84$75,618,072$1,633,751$0$22,448,035
85$83,220,956$1,603,646$0$24,610,830
86$91,595,866$1,568,597$0$26,992,363
87$100,821,436$1,528,250$0$29,614,992
88$110,984,323$1,482,234$0$32,503,362
89$122,180,015$1,430,156$0$35,684,636
90$134,513,740$1,371,597$0$39,188,757
91$148,101,453$1,306,116$0$43,048,732
92$163,070,933$1,233,248$0$47,300,939
93$179,562,988$1,152,497$0$51,985,480
94$197,732,787$1,063,343$0$57,146,554
95$217,751,317$965,232$0$62,832,881
96$239,807,005$857,583$0$69,098,160
97$264,107,493$739,778$0$76,001,578
98$290,881,596$611,166$0$83,608,375
99$320,381,465$471,059$0$91,990,455
100$352,884,963$318,730$0$101,227,074