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%15.1%
1 years$73,248$72,595$71,959$71,337$70,731$69,246
2 years$36,261$35,586$34,931$34,297$33,681$32,192
3 years$23,934$23,256$22,603$21,974$21,369$19,922
4 years$17,772$17,095$16,449$15,831$15,240$13,847
5 years$14,075$13,403$12,765$12,160$11,585$10,250
6 years$11,612$10,945$10,316$9,724$9,167$7,890
7 years$9,853$9,191$8,573$7,995$7,455$6,238
8 years$8,534$7,879$7,270$6,707$6,185$5,026
9 years$7,509$6,860$6,262$5,713$5,209$4,108
10 years$6,689$6,047$5,459$4,924$4,438$3,394
11 years$6,019$5,383$4,806$4,286$3,817$2,828
12 years$5,461$4,831$4,265$3,759$3,308$2,373
13 years$4,990$4,366$3,811$3,319$2,884$2,002
14 years$4,585$3,969$3,424$2,946$2,528$1,697
15 years$4,236$3,625$3,092$2,627$2,226$1,443
16 years$3,930$3,326$2,803$2,352$1,967$1,232
17 years$3,660$3,063$2,551$2,114$1,745$1,054
18 years$3,421$2,831$2,328$1,905$1,551$904
19 years$3,207$2,623$2,131$1,721$1,383$776
20 years$3,015$2,438$1,956$1,559$1,235$668
21 years$2,841$2,271$1,799$1,415$1,105$576
22 years$2,683$2,120$1,658$1,286$991$496
23 years$2,539$1,983$1,531$1,172$889$429
24 years$2,408$1,857$1,416$1,068$799$370
25 years$2,287$1,743$1,312$976$719$320
26 years$2,175$1,638$1,216$892$648$277
27 years$2,072$1,542$1,130$817$584$240
28 years$1,977$1,453$1,050$748$527$208
29 years$1,888$1,371$977$686$476$180
30 years$1,806$1,294$910$630$430$156
31 years$1,728$1,224$849$578$389$135
32 years$1,656$1,158$792$532$352$117
33 years$1,588$1,096$739$489$318$102
34 years$1,525$1,039$691$450$288$88
35 years$1,465$986$646$414$261$77
36 years$1,409$936$604$381$236$67
37 years$1,356$889$565$351$214$58
38 years$1,305$844$529$324$194$50
39 years$1,258$803$496$299$176$44
40 years$1,213$764$465$275$160$38
41 years$1,170$727$436$254$145$33
42 years$1,129$693$409$234$132$29
43 years$1,091$660$384$216$119$25
44 years$1,054$629$360$200$108$22
45 years$1,019$600$338$185$98$19
46 years$985$572$318$170$89$16
47 years$954$546$298$158$81$14
48 years$923$521$280$146$74$12
49 years$894$498$264$135$67$11
50 years$866$476$248$124$61$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $887,000, adding $4,586 every year, while hoping to spend $25,910 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: 64/30/6 Blend
34$887,000$887,000$887,000$887,000
35$982,204$935,193$921,445$1,043,785
36$1,054,821$953,450$924,745$1,103,599
37$1,133,977$971,733$927,288$1,165,408
38$1,220,310$990,015$929,020$1,232,232
39$1,314,526$1,008,270$929,886$1,304,554
40$1,417,398$1,026,466$929,828$1,382,909
41$1,529,780$1,044,570$928,785$1,467,883
42$1,652,611$1,062,548$926,693$1,560,124
43$1,786,925$1,080,360$923,485$1,660,346
44$1,933,861$1,097,967$919,090$1,769,333
45$2,094,670$1,115,323$913,435$1,887,951
46$2,270,734$1,132,381$906,443$2,017,155
47$2,463,573$1,149,092$898,032$2,157,994
48$2,674,859$1,165,399$888,119$2,311,628
49$2,906,437$1,181,246$876,613$2,479,332
50$3,160,336$1,196,570$863,422$2,662,513
51$3,438,793$1,211,304$848,449$2,862,720
52$3,744,269$1,225,377$831,591$3,081,663
53$4,079,477$1,238,713$812,742$3,321,224
54$4,447,405$1,251,232$791,791$3,583,478
55$4,851,345$1,262,846$768,620$3,870,711
56$5,294,920$1,273,464$743,107$4,185,444
57$5,782,126$1,282,988$715,125$4,530,454
58$6,317,361$1,291,313$684,540$4,908,805
59$6,905,472$1,298,327$651,212$5,323,869
60$7,551,798$1,303,913$614,996$5,779,368
61$8,262,222$1,307,945$575,738$6,279,400
62$9,043,223$1,310,289$533,280$6,828,483
63$9,901,941$1,310,802$487,454$7,431,599
64$10,846,242$1,309,335$438,087$8,094,238
65$11,884,793$1,305,726$384,997$8,822,448
66$13,027,141$1,299,806$327,993$9,622,901
67$14,283,806$1,291,393$266,878$10,502,945
68$15,666,380$1,280,298$201,445$11,470,684
69$17,187,634$1,266,315$131,476$12,535,047
70$18,861,640$1,249,231$56,747$13,705,877
71$20,703,901$1,228,818$0$14,994,024
72$22,731,501$1,204,832$0$16,412,916
73$24,963,265$1,177,020$0$17,978,235
74$27,419,933$1,145,108$0$19,700,886
75$30,124,358$1,108,811$0$21,596,897
76$33,101,725$1,067,825$0$23,683,934
77$36,379,780$1,021,828$0$25,981,465
78$39,989,100$970,480$0$28,510,949
79$43,963,376$913,421$0$31,296,034
80$48,339,733$850,271$0$34,362,783
81$53,159,079$780,628$0$37,739,923
82$58,466,492$704,065$0$41,459,111
83$64,311,645$620,135$0$45,555,240
84$70,749,273$528,362$0$50,066,763
85$77,839,691$428,243$0$55,036,063
86$85,649,362$319,250$0$60,509,847
87$94,251,525$200,822$0$66,539,593
88$103,726,886$72,367$0$73,182,035
89$114,164,377$0$0$80,499,699
90$125,661,999$0$0$88,583,528
91$138,327,743$0$0$97,515,058
92$152,280,612$0$0$107,354,328
93$167,651,742$0$0$118,193,826
94$184,585,640$0$0$130,135,466
95$203,241,549$0$0$143,291,559
96$223,794,948$0$0$157,785,865
97$246,439,210$0$0$173,754,765
98$271,387,428$0$0$191,348,547
99$298,874,424$0$0$210,732,825
100$329,158,967$0$0$232,090,101