Can I retire at age 35 with 882,000?

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 $882,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$72,835$72,186$71,553$70,935$70,332$68,437
2 years$36,057$35,385$34,734$34,103$33,491$31,596
3 years$23,799$23,125$22,475$21,850$21,248$19,412
4 years$17,671$16,999$16,356$15,742$15,154$13,391
5 years$13,996$13,327$12,693$12,091$11,520$9,834
6 years$11,546$10,883$10,258$9,670$9,116$7,509
7 years$9,797$9,139$8,524$7,950$7,413$5,886
8 years$8,486$7,834$7,229$6,669$6,150$4,701
9 years$7,467$6,821$6,227$5,680$5,179$3,808
10 years$6,652$6,012$5,429$4,897$4,413$3,117
11 years$5,985$5,353$4,779$4,262$3,795$2,573
12 years$5,431$4,804$4,241$3,738$3,289$2,137
13 years$4,961$4,342$3,789$3,300$2,868$1,785
14 years$4,560$3,946$3,405$2,929$2,514$1,498
15 years$4,212$3,605$3,074$2,613$2,214$1,261
16 years$3,908$3,308$2,787$2,339$1,956$1,064
17 years$3,640$3,046$2,536$2,102$1,735$901
18 years$3,402$2,815$2,315$1,894$1,542$764
19 years$3,189$2,609$2,119$1,711$1,375$649
20 years$2,998$2,424$1,945$1,550$1,228$552
21 years$2,825$2,258$1,789$1,407$1,099$470
22 years$2,668$2,108$1,649$1,279$985$401
23 years$2,525$1,971$1,523$1,165$884$342
24 years$2,394$1,847$1,408$1,062$795$292
25 years$2,274$1,733$1,304$970$715$250
26 years$2,163$1,629$1,210$887$644$213
27 years$2,061$1,533$1,123$812$581$183
28 years$1,966$1,445$1,044$744$524$156
29 years$1,878$1,363$972$682$473$134
30 years$1,795$1,287$905$626$428$114
31 years$1,719$1,217$844$575$387$98
32 years$1,647$1,151$787$529$350$84
33 years$1,580$1,090$735$486$316$72
34 years$1,516$1,033$687$447$287$62
35 years$1,457$980$642$412$260$53
36 years$1,401$930$601$379$235$45
37 years$1,348$884$562$349$213$39
38 years$1,298$840$526$322$193$33
39 years$1,251$798$493$297$175$29
40 years$1,206$760$462$274$159$24
41 years$1,163$723$434$253$144$21
42 years$1,123$689$407$233$131$18
43 years$1,085$656$382$215$119$15
44 years$1,048$625$358$199$108$13
45 years$1,013$596$336$184$98$11
46 years$980$569$316$170$89$10
47 years$948$543$297$157$81$8
48 years$918$518$279$145$73$7
49 years$889$495$262$134$67$6
50 years$861$473$246$124$60$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $882,000, adding $2,726 every year, while hoping to spend $26,497 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: 28/47/25 Blend
34$882,000$882,000$882,000$882,000
35$974,776$928,030$914,359$994,402
36$1,046,010$945,311$916,797$1,027,392
37$1,123,623$962,550$918,429$1,060,314
38$1,208,236$979,719$919,200$1,095,141
39$1,300,534$996,783$919,052$1,132,052
40$1,401,272$1,013,709$917,924$1,171,248
41$1,511,280$1,030,459$915,752$1,212,950
42$1,631,472$1,046,993$912,471$1,257,402
43$1,762,854$1,063,268$908,011$1,304,877
44$1,906,534$1,079,236$902,297$1,355,673
45$2,063,730$1,094,849$895,255$1,410,124
46$2,235,787$1,110,052$886,802$1,468,596
47$2,424,182$1,124,790$876,855$1,531,496
48$2,630,544$1,139,001$865,325$1,599,273
49$2,856,667$1,152,619$852,121$1,672,426
50$3,104,526$1,165,576$837,146$1,751,504
51$3,376,295$1,177,797$820,298$1,837,115
52$3,674,371$1,189,202$801,471$1,929,933
53$4,001,391$1,199,708$780,555$2,030,701
54$4,360,263$1,209,224$757,434$2,140,243
55$4,754,188$1,217,654$731,986$2,259,466
56$5,186,693$1,224,896$704,085$2,389,378
57$5,661,661$1,230,842$673,597$2,531,087
58$6,183,373$1,235,376$640,385$2,685,823
59$6,756,543$1,238,375$604,304$2,854,942
60$7,386,364$1,239,708$565,201$3,039,942
61$8,078,557$1,239,238$522,920$3,242,481
62$8,839,425$1,236,816$477,293$3,464,387
63$9,675,913$1,232,286$428,149$3,707,682
64$10,595,671$1,225,483$375,306$3,974,599
65$11,607,128$1,216,230$318,578$4,267,602
66$12,719,570$1,204,341$257,765$4,589,414
67$13,943,230$1,189,618$192,664$4,943,041
68$15,289,380$1,171,850$123,060$5,331,805
69$16,770,442$1,150,816$48,727$5,759,369
70$18,400,101$1,126,279$0$6,229,780
71$20,193,436$1,097,992$0$6,755,667
72$22,167,062$1,065,688$0$7,348,201
73$24,339,285$1,029,090$0$7,999,880
74$26,730,277$987,901$0$8,716,782
75$29,362,265$941,807$0$9,505,610
76$32,259,739$890,478$0$10,373,757
77$35,449,684$833,563$0$11,329,376
78$38,961,836$770,693$0$12,381,461
79$42,828,961$701,474$0$13,539,926
80$47,087,163$625,494$0$14,815,707
81$51,776,225$542,315$0$16,220,865
82$56,939,986$451,474$0$17,768,696
83$62,626,752$352,484$0$19,473,866
84$68,889,753$244,828$0$21,352,543
85$75,787,645$127,962$0$23,422,557
86$83,385,063$1,310$0$25,703,568
87$91,753,231$0$0$28,217,252
88$100,970,632$0$0$31,057,709
89$111,123,754$0$0$34,187,476
90$122,307,898$0$0$37,635,278
91$134,628,086$0$0$41,433,518
92$148,200,043$0$0$45,617,900
93$163,151,296$0$0$50,227,772
94$179,622,375$0$0$55,306,491
95$197,768,138$0$0$60,901,837
96$217,759,233$0$0$67,066,462
97$239,783,711$0$0$73,858,387
98$264,048,795$0$0$81,341,550
99$290,782,844$0$0$89,586,407
100$320,237,500$0$0$98,670,603