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%15.9%
1 years$72,835$72,186$71,553$70,935$70,332$68,632
2 years$36,057$35,385$34,734$34,103$33,491$31,789
3 years$23,799$23,125$22,475$21,850$21,248$19,596
4 years$17,671$16,999$16,356$15,742$15,154$13,566
5 years$13,996$13,327$12,693$12,091$11,520$9,999
6 years$11,546$10,883$10,258$9,670$9,116$7,664
7 years$9,797$9,139$8,524$7,950$7,413$6,032
8 years$8,486$7,834$7,229$6,669$6,150$4,837
9 years$7,467$6,821$6,227$5,680$5,179$3,934
10 years$6,652$6,012$5,429$4,897$4,413$3,235
11 years$5,985$5,353$4,779$4,262$3,795$2,682
12 years$5,431$4,804$4,241$3,738$3,289$2,238
13 years$4,961$4,342$3,789$3,300$2,868$1,879
14 years$4,560$3,946$3,405$2,929$2,514$1,583
15 years$4,212$3,605$3,074$2,613$2,214$1,340
16 years$3,908$3,308$2,787$2,339$1,956$1,137
17 years$3,640$3,046$2,536$2,102$1,735$967
18 years$3,402$2,815$2,315$1,894$1,542$824
19 years$3,189$2,609$2,119$1,711$1,375$704
20 years$2,998$2,424$1,945$1,550$1,228$602
21 years$2,825$2,258$1,789$1,407$1,099$515
22 years$2,668$2,108$1,649$1,279$985$442
23 years$2,525$1,971$1,523$1,165$884$379
24 years$2,394$1,847$1,408$1,062$795$326
25 years$2,274$1,733$1,304$970$715$280
26 years$2,163$1,629$1,210$887$644$241
27 years$2,061$1,533$1,123$812$581$207
28 years$1,966$1,445$1,044$744$524$178
29 years$1,878$1,363$972$682$473$153
30 years$1,795$1,287$905$626$428$132
31 years$1,719$1,217$844$575$387$114
32 years$1,647$1,151$787$529$350$98
33 years$1,580$1,090$735$486$316$84
34 years$1,516$1,033$687$447$287$73
35 years$1,457$980$642$412$260$63
36 years$1,401$930$601$379$235$54
37 years$1,348$884$562$349$213$47
38 years$1,298$840$526$322$193$40
39 years$1,251$798$493$297$175$35
40 years$1,206$760$462$274$159$30
41 years$1,163$723$434$253$144$26
42 years$1,123$689$407$233$131$22
43 years$1,085$656$382$215$119$19
44 years$1,048$625$358$199$108$17
45 years$1,013$596$336$184$98$14
46 years$980$569$316$170$89$12
47 years$948$543$297$157$81$11
48 years$918$518$279$145$73$9
49 years$889$495$262$134$67$8
50 years$861$473$246$124$60$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $882,000, adding $2,360 every year, while hoping to spend $20,396 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: 44/40/16 Blend
34$882,000$882,000$882,000$882,000
35$974,398$927,652$913,981$1,012,675
36$1,052,086$951,406$922,899$1,063,471
37$1,137,014$975,640$931,431$1,116,279
38$1,229,899$1,000,357$939,544$1,173,079
39$1,331,532$1,025,557$947,201$1,234,249
40$1,442,781$1,051,242$954,365$1,300,206
41$1,564,603$1,077,411$960,995$1,371,406
42$1,698,053$1,104,065$967,049$1,448,354
43$1,844,291$1,131,201$972,482$1,531,605
44$2,004,596$1,158,818$977,248$1,621,769
45$2,180,377$1,186,911$981,297$1,719,520
46$2,373,183$1,215,478$984,578$1,825,600
47$2,584,724$1,244,512$987,038$1,940,826
48$2,816,880$1,274,007$988,618$2,066,099
49$3,071,724$1,303,956$989,259$2,202,409
50$3,351,539$1,334,349$988,898$2,350,851
51$3,658,840$1,365,177$987,471$2,512,628
52$3,996,398$1,396,426$984,906$2,689,067
53$4,367,263$1,428,083$981,134$2,881,630
54$4,774,798$1,460,134$976,076$3,091,929
55$5,222,708$1,492,561$969,655$3,321,739
56$5,715,072$1,525,344$961,786$3,573,017
57$6,256,386$1,558,462$952,382$3,847,920
58$6,851,602$1,591,893$941,353$4,148,824
59$7,506,179$1,625,608$928,601$4,478,348
60$8,226,127$1,659,581$914,027$4,839,379
61$9,018,071$1,693,780$897,526$5,235,098
62$9,889,309$1,728,170$878,988$5,669,012
63$10,847,882$1,762,714$858,298$6,144,985
64$11,902,651$1,797,371$835,335$6,667,277
65$13,063,376$1,832,097$809,974$7,240,581
66$14,340,816$1,866,845$782,083$7,870,071
67$15,746,821$1,901,562$751,525$8,561,450
68$17,294,450$1,936,192$718,154$9,321,002
69$18,998,093$1,970,675$681,822$10,155,655
70$20,873,606$2,004,946$642,370$11,073,042
71$22,938,459$2,038,933$599,635$12,081,580
72$25,211,903$2,072,562$553,444$13,190,541
73$27,715,150$2,105,751$503,617$14,410,148
74$30,471,575$2,138,412$449,968$15,751,667
75$33,506,934$2,170,453$392,300$17,227,515
76$36,849,609$2,201,772$330,409$18,851,378
77$40,530,872$2,232,262$264,081$20,638,340
78$44,585,186$2,261,808$193,093$22,605,025
79$49,050,526$2,290,287$117,213$24,769,757
80$53,968,736$2,317,568$36,196$27,152,730
81$59,385,928$2,343,510$0$29,776,202
82$65,352,914$2,367,963$0$32,673,285
83$71,925,685$2,390,767$0$35,869,587
84$79,165,942$2,411,752$0$39,388,767
85$87,141,676$2,430,736$0$43,263,718
86$95,927,811$2,447,525$0$47,530,685
87$105,606,908$2,461,915$0$52,229,616
88$116,269,949$2,473,685$0$57,404,532
89$128,017,191$2,482,602$0$63,103,949
90$140,959,114$2,488,419$0$69,381,332
91$155,217,465$2,490,873$0$76,295,602
92$170,926,403$2,489,683$0$83,911,693
93$188,233,772$2,484,553$0$92,301,167
94$207,302,488$2,475,167$0$101,542,885
95$228,312,082$2,461,191$0$111,723,758
96$251,460,394$2,442,269$0$122,939,565
97$276,965,439$2,418,025$0$135,295,858
98$305,067,465$2,388,060$0$148,908,962
99$336,031,222$2,351,950$0$163,907,070
100$370,148,458$2,309,247$0$180,431,457