Can I retire at age 35 with 887,000?

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 $887,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$73,248$72,595$71,959$71,337$70,731$68,384
2 years$36,261$35,586$34,931$34,297$33,681$31,340
3 years$23,934$23,256$22,603$21,974$21,369$19,106
4 years$17,772$17,095$16,449$15,831$15,240$13,074
5 years$14,075$13,403$12,765$12,160$11,585$9,521
6 years$11,612$10,945$10,316$9,724$9,167$7,206
7 years$9,853$9,191$8,573$7,995$7,455$5,598
8 years$8,534$7,879$7,270$6,707$6,185$4,429
9 years$7,509$6,860$6,262$5,713$5,209$3,552
10 years$6,689$6,047$5,459$4,924$4,438$2,879
11 years$6,019$5,383$4,806$4,286$3,817$2,352
12 years$5,461$4,831$4,265$3,759$3,308$1,933
13 years$4,990$4,366$3,811$3,319$2,884$1,598
14 years$4,585$3,969$3,424$2,946$2,528$1,325
15 years$4,236$3,625$3,092$2,627$2,226$1,103
16 years$3,930$3,326$2,803$2,352$1,967$921
17 years$3,660$3,063$2,551$2,114$1,745$770
18 years$3,421$2,831$2,328$1,905$1,551$645
19 years$3,207$2,623$2,131$1,721$1,383$542
20 years$3,015$2,438$1,956$1,559$1,235$455
21 years$2,841$2,271$1,799$1,415$1,105$383
22 years$2,683$2,120$1,658$1,286$991$323
23 years$2,539$1,983$1,531$1,172$889$272
24 years$2,408$1,857$1,416$1,068$799$229
25 years$2,287$1,743$1,312$976$719$193
26 years$2,175$1,638$1,216$892$648$163
27 years$2,072$1,542$1,130$817$584$138
28 years$1,977$1,453$1,050$748$527$116
29 years$1,888$1,371$977$686$476$98
30 years$1,806$1,294$910$630$430$83
31 years$1,728$1,224$849$578$389$70
32 years$1,656$1,158$792$532$352$59
33 years$1,588$1,096$739$489$318$50
34 years$1,525$1,039$691$450$288$42
35 years$1,465$986$646$414$261$36
36 years$1,409$936$604$381$236$30
37 years$1,356$889$565$351$214$26
38 years$1,305$844$529$324$194$22
39 years$1,258$803$496$299$176$18
40 years$1,213$764$465$275$160$16
41 years$1,170$727$436$254$145$13
42 years$1,129$693$409$234$132$11
43 years$1,091$660$384$216$119$9
44 years$1,054$629$360$200$108$8
45 years$1,019$600$338$185$98$7
46 years$985$572$318$170$89$6
47 years$954$546$298$158$81$5
48 years$923$521$280$146$74$4
49 years$894$498$264$135$67$3
50 years$866$476$248$124$61$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $887,000, adding $2,842 every year, while hoping to spend $28,212 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: 55/22/23 Blend
34$887,000$887,000$887,000$887,000
35$980,406$933,395$919,646$1,028,018
36$1,050,390$949,114$920,437$1,076,709
37$1,126,566$964,657$920,309$1,126,507
38$1,209,538$979,987$919,201$1,180,143
39$1,299,967$995,062$917,050$1,237,995
40$1,398,581$1,009,838$913,789$1,300,477
41$1,506,184$1,024,268$909,348$1,368,050
42$1,623,658$1,038,300$903,655$1,441,218
43$1,751,976$1,051,882$896,632$1,520,541
44$1,892,207$1,064,953$888,198$1,606,635
45$2,045,530$1,077,454$878,271$1,700,179
46$2,213,242$1,089,317$866,761$1,801,925
47$2,396,771$1,100,472$853,576$1,912,698
48$2,597,690$1,110,844$838,619$2,033,412
49$2,817,731$1,120,352$821,789$2,165,075
50$3,058,801$1,128,910$802,981$2,308,798
51$3,323,000$1,136,429$782,083$2,465,806
52$3,612,643$1,142,810$758,979$2,637,451
53$3,930,275$1,147,951$733,548$2,825,225
54$4,278,705$1,151,742$705,663$3,030,774
55$4,661,021$1,154,066$675,191$3,255,912
56$5,080,630$1,154,799$641,994$3,502,642
57$5,541,280$1,153,811$605,927$3,773,172
58$6,047,103$1,150,960$566,838$4,069,937
59$6,602,649$1,146,098$524,569$4,395,624
60$7,212,931$1,139,069$478,954$4,753,195
61$7,883,472$1,129,705$429,821$5,145,918
62$8,620,355$1,117,830$376,988$5,577,396
63$9,430,282$1,103,254$320,268$6,051,604
64$10,320,637$1,085,780$259,463$6,572,925
65$11,299,555$1,065,196$194,368$7,146,192
66$12,375,998$1,041,279$124,768$7,776,733
67$13,559,841$1,013,793$50,439$8,470,428
68$14,861,963$982,487$0$9,233,755
69$16,294,350$947,096$0$10,080,951
70$17,870,210$907,340$0$11,026,475
71$19,604,093$862,921$0$12,066,688
72$21,512,032$813,526$0$13,211,234
73$23,611,694$758,823$0$14,470,743
74$25,922,542$698,461$0$15,856,932
75$28,466,024$632,068$0$17,382,713
76$31,265,772$559,253$0$19,062,319
77$34,347,825$479,601$0$20,911,436
78$37,740,875$392,673$0$22,947,352
79$41,476,537$298,007$0$25,189,123
80$45,589,649$195,115$0$27,657,749
81$50,118,597$83,479$0$30,376,378
82$55,105,681$0$0$33,370,520
83$60,597,509$0$0$36,677,356
84$66,645,441$0$0$40,341,408
85$73,306,073$0$0$44,376,766
86$80,641,767$0$0$48,821,228
87$88,721,244$0$0$53,716,443
88$97,620,229$0$0$59,108,307
89$107,422,167$0$0$65,047,393
90$118,219,011$0$0$71,589,433
91$130,112,085$0$0$78,795,837
92$143,213,047$0$0$86,734,280
93$157,644,938$0$0$95,479,333
94$173,543,342$0$0$105,113,174
95$191,057,670$0$0$115,726,358
96$210,352,566$0$0$127,418,673
97$231,609,463$0$0$140,300,084
98$255,028,292$0$0$154,491,766
99$280,829,374$0$0$170,127,254
100$309,255,494$0$0$187,353,698