Can I retire at age 35 with 884,000?

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 $884,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$73,000$72,350$71,715$71,096$70,491$69,040
2 years$36,139$35,466$34,813$34,181$33,567$32,112
3 years$23,853$23,177$22,526$21,900$21,296$19,882
4 years$17,712$17,038$16,393$15,778$15,189$13,826
5 years$14,028$13,358$12,722$12,119$11,546$10,240
6 years$11,572$10,908$10,281$9,691$9,136$7,887
7 years$9,819$9,160$8,544$7,968$7,430$6,238
8 years$8,505$7,852$7,246$6,684$6,164$5,030
9 years$7,484$6,837$6,241$5,693$5,191$4,113
10 years$6,667$6,026$5,441$4,908$4,423$3,400
11 years$5,999$5,365$4,790$4,271$3,804$2,835
12 years$5,443$4,815$4,251$3,746$3,296$2,381
13 years$4,973$4,351$3,798$3,308$2,875$2,010
14 years$4,570$3,955$3,413$2,936$2,520$1,704
15 years$4,221$3,613$3,081$2,618$2,219$1,451
16 years$3,916$3,315$2,793$2,345$1,961$1,239
17 years$3,648$3,053$2,542$2,107$1,739$1,061
18 years$3,409$2,821$2,320$1,898$1,546$910
19 years$3,196$2,615$2,124$1,715$1,378$783
20 years$3,004$2,430$1,950$1,554$1,231$674
21 years$2,831$2,263$1,793$1,410$1,101$581
22 years$2,674$2,113$1,653$1,282$987$502
23 years$2,531$1,976$1,526$1,168$886$433
24 years$2,400$1,851$1,411$1,065$797$375
25 years$2,279$1,737$1,307$973$717$324
26 years$2,168$1,633$1,212$889$646$281
27 years$2,065$1,537$1,126$814$582$243
28 years$1,970$1,448$1,047$746$525$211
29 years$1,882$1,366$974$684$474$183
30 years$1,799$1,290$907$628$429$159
31 years$1,723$1,219$846$576$387$138
32 years$1,651$1,154$789$530$350$120
33 years$1,583$1,093$737$487$317$104
34 years$1,520$1,036$688$448$287$90
35 years$1,460$982$644$413$260$78
36 years$1,404$932$602$380$236$68
37 years$1,351$886$563$350$214$59
38 years$1,301$842$528$323$194$51
39 years$1,253$800$494$298$176$45
40 years$1,209$761$463$274$159$39
41 years$1,166$725$435$253$144$34
42 years$1,125$690$408$234$131$29
43 years$1,087$658$382$216$119$25
44 years$1,050$627$359$199$108$22
45 years$1,015$598$337$184$98$19
46 years$982$570$317$170$89$17
47 years$950$544$297$157$81$15
48 years$920$520$280$145$73$13
49 years$891$496$263$134$67$11
50 years$863$474$247$124$61$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $884,000, adding $4,591 every year, while hoping to spend $25,068 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: 79/13/8 Blend
34$884,000$884,000$884,000$884,000
35$978,904$932,052$918,350$1,054,822
36$1,052,080$951,050$922,442$1,124,272
37$1,131,879$970,139$925,832$1,196,703
38$1,218,952$989,297$928,468$1,275,415
39$1,314,012$1,008,500$930,299$1,361,023
40$1,417,847$1,027,721$931,269$1,454,203
41$1,531,321$1,046,933$931,320$1,555,701
42$1,655,388$1,066,106$930,392$1,666,337
43$1,791,099$1,085,206$928,421$1,787,016
44$1,939,608$1,104,198$925,340$1,918,734
45$2,102,188$1,123,043$921,079$2,062,587
46$2,280,240$1,141,702$915,565$2,219,784
47$2,475,308$1,160,129$908,720$2,391,656
48$2,689,092$1,178,277$900,464$2,579,670
49$2,923,462$1,196,096$890,712$2,785,441
50$3,180,481$1,213,530$879,377$3,010,749
51$3,462,419$1,230,522$866,364$3,257,556
52$3,771,776$1,247,008$851,578$3,528,022
53$4,111,308$1,262,922$834,917$3,824,528
54$4,484,049$1,278,193$816,274$4,149,698
55$4,893,340$1,292,743$795,538$4,506,420
56$5,342,866$1,306,492$772,593$4,897,882
57$5,836,680$1,319,352$747,317$5,327,591
58$6,379,252$1,331,231$719,583$5,799,414
59$6,975,504$1,342,030$689,258$6,317,614
60$7,630,860$1,351,643$656,202$6,886,885
61$8,351,293$1,359,959$620,270$7,512,401
62$9,143,386$1,366,858$581,310$8,199,864
63$10,014,390$1,372,213$539,163$8,955,557
64$10,972,296$1,375,890$493,663$9,786,405
65$12,025,906$1,377,744$444,636$10,700,035
66$13,184,919$1,377,625$391,902$11,704,858
67$14,460,021$1,375,369$335,271$12,810,137
68$15,862,986$1,370,805$274,546$14,026,084
69$17,406,787$1,363,750$209,519$15,363,951
70$19,105,718$1,354,012$139,977$16,836,138
71$20,975,528$1,341,385$65,692$18,456,309
72$23,033,570$1,325,652$0$20,239,524
73$25,298,967$1,306,582$0$22,203,537
74$27,792,788$1,283,930$0$24,371,537
75$30,538,248$1,257,439$0$26,758,086
76$33,560,929$1,226,833$0$29,385,417
77$36,889,018$1,191,822$0$32,278,031
78$40,553,576$1,152,099$0$35,462,926
79$44,588,828$1,107,340$0$38,969,853
80$49,032,488$1,057,198$0$42,831,599
81$53,926,112$1,001,311$0$47,084,292
82$59,315,493$939,294$0$51,767,746
83$65,251,093$870,738$0$56,925,835
84$71,788,514$795,214$0$62,606,909
85$78,989,029$712,267$0$68,864,248
86$86,920,157$621,414$0$75,756,566
87$95,656,298$522,149$0$83,348,567
88$105,279,440$413,934$0$91,711,553
89$115,879,928$296,201$0$100,924,099
90$127,557,317$168,352$0$111,072,797
91$140,421,316$29,754$0$122,253,068
92$154,592,818$0$0$134,570,068
93$170,205,041$0$0$148,156,883
94$187,404,789$0$0$163,130,003
95$206,353,834$0$0$179,626,006
96$227,230,446$0$0$197,800,089
97$250,231,071$0$0$217,823,273
98$275,572,187$0$0$239,884,021
99$303,492,350$0$0$264,190,013
100$334,254,441$0$0$290,970,107