Can I retire at age 35 with 888,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $888,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$73,330$72,677$72,040$71,418$70,810$70,246
2 years$36,302$35,626$34,971$34,335$33,719$33,151
3 years$23,961$23,282$22,628$21,999$21,393$20,837
4 years$17,792$17,115$16,468$15,849$15,258$14,720
5 years$14,091$13,418$12,780$12,174$11,599$11,079
6 years$11,625$10,957$10,328$9,735$9,178$8,678
7 years$9,864$9,202$8,582$8,004$7,464$6,984
8 years$8,544$7,887$7,279$6,714$6,192$5,732
9 years$7,517$6,867$6,269$5,719$5,215$4,774
10 years$6,697$6,053$5,466$4,930$4,443$4,022
11 years$6,026$5,389$4,812$4,291$3,821$3,420
12 years$5,467$4,837$4,270$3,763$3,311$2,929
13 years$4,995$4,371$3,815$3,322$2,888$2,523
14 years$4,591$3,973$3,428$2,949$2,531$2,185
15 years$4,240$3,630$3,095$2,630$2,229$1,900
16 years$3,934$3,330$2,806$2,355$1,970$1,657
17 years$3,664$3,067$2,553$2,116$1,746$1,451
18 years$3,425$2,834$2,331$1,907$1,553$1,273
19 years$3,211$2,626$2,134$1,723$1,384$1,119
20 years$3,018$2,441$1,958$1,561$1,236$986
21 years$2,844$2,273$1,801$1,416$1,106$870
22 years$2,686$2,122$1,660$1,288$992$769
23 years$2,542$1,985$1,533$1,173$890$681
24 years$2,410$1,860$1,418$1,070$800$603
25 years$2,289$1,745$1,313$977$720$535
26 years$2,178$1,640$1,218$893$649$475
27 years$2,075$1,544$1,131$818$585$422
28 years$1,979$1,454$1,051$749$528$375
29 years$1,890$1,372$978$687$476$333
30 years$1,808$1,296$911$630$430$297
31 years$1,730$1,225$850$579$389$264
32 years$1,658$1,159$793$532$352$235
33 years$1,590$1,098$740$489$319$210
34 years$1,527$1,040$691$450$288$187
35 years$1,467$987$646$414$261$167
36 years$1,410$937$605$382$237$149
37 years$1,357$890$566$352$215$133
38 years$1,307$845$530$324$195$118
39 years$1,259$804$497$299$176$105
40 years$1,214$765$465$276$160$94
41 years$1,171$728$436$254$145$84
42 years$1,131$693$409$235$132$75
43 years$1,092$661$384$217$120$67
44 years$1,055$630$361$200$108$60
45 years$1,020$600$339$185$98$53
46 years$987$573$318$171$89$48
47 years$955$547$299$158$81$43
48 years$924$522$281$146$74$38
49 years$895$498$264$135$67$34
50 years$867$476$248$124$61$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $888,000, adding $4,202 every year, while hoping to spend $20,814 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: 49/30/21 Blend
34$888,000$888,000$888,000$888,000
35$982,910$935,846$922,082$1,025,076
36$1,061,021$959,557$930,826$1,078,513
37$1,146,402$983,732$939,165$1,134,084
38$1,239,772$1,008,371$947,064$1,194,022
39$1,341,923$1,033,476$954,486$1,258,747
40$1,453,728$1,059,046$961,390$1,328,719
41$1,576,148$1,085,078$967,736$1,404,450
42$1,710,240$1,111,572$973,480$1,486,499
43$1,857,169$1,138,523$978,576$1,575,486
44$2,018,218$1,165,928$982,976$1,672,090
45$2,194,799$1,193,783$986,629$1,777,064
46$2,388,470$1,222,079$989,482$1,891,233
47$2,600,945$1,250,811$991,480$2,015,508
48$2,834,110$1,279,970$992,564$2,150,895
49$3,090,046$1,309,546$992,671$2,298,498
50$3,371,043$1,339,526$991,739$2,459,539
51$3,679,626$1,369,899$989,698$2,635,360
52$4,018,573$1,400,649$986,478$2,827,442
53$4,390,946$1,431,760$982,004$3,037,418
54$4,800,120$1,463,214$976,199$3,267,087
55$5,249,811$1,494,989$968,980$3,518,432
56$5,744,112$1,527,065$960,261$3,793,636
57$6,287,535$1,559,414$949,954$4,095,110
58$6,885,049$1,592,011$937,963$4,425,508
59$7,542,130$1,624,825$924,190$4,787,754
60$8,264,809$1,657,823$908,532$5,185,075
61$9,059,733$1,690,970$890,881$5,621,024
62$9,934,224$1,724,226$871,124$6,099,518
63$10,896,351$1,757,549$849,143$6,624,875
64$11,955,003$1,790,894$824,814$7,201,855
65$13,119,976$1,824,210$798,007$7,835,703
66$14,402,061$1,857,443$768,588$8,532,199
67$15,813,149$1,890,536$736,414$9,297,717
68$17,366,344$1,923,427$701,337$10,139,280
69$19,076,083$1,956,046$663,204$11,064,629
70$20,958,275$1,988,323$621,852$12,082,297
71$23,030,447$2,020,179$577,112$13,201,687
72$25,311,915$2,051,531$528,808$14,433,165
73$27,823,962$2,082,288$476,756$15,788,155
74$30,590,041$2,112,354$420,761$17,279,249
75$33,635,993$2,141,627$360,624$18,920,325
76$36,990,293$2,169,996$296,134$20,726,679
77$40,684,320$2,197,343$227,072$22,715,170
78$44,752,650$2,223,542$153,208$24,904,379
79$49,233,383$2,248,459$74,304$27,314,785
80$54,168,504$2,271,949$0$29,968,961
81$59,604,277$2,293,860$0$32,894,001
82$65,591,682$2,314,027$0$36,133,018
83$72,186,896$2,332,278$0$39,699,623
84$79,451,826$2,348,426$0$43,627,186
85$87,454,688$2,362,274$0$47,952,480
86$96,270,653$2,373,613$0$52,716,030
87$105,982,557$2,382,217$0$57,962,494
88$116,681,683$2,387,851$0$63,741,088
89$128,468,621$2,390,261$0$70,106,048
90$141,454,216$2,389,180$0$77,117,145
91$155,760,618$2,384,322$0$84,840,246
92$171,522,433$2,375,386$0$93,347,941
93$188,887,991$2,362,050$0$102,720,222
94$208,020,750$2,343,974$0$113,045,247
95$229,100,835$2,320,797$0$124,420,165
96$252,326,740$2,292,136$0$136,952,038
97$277,917,203$2,257,587$0$150,758,851
98$306,113,267$2,216,717$0$165,970,628
99$337,180,557$2,169,074$0$182,730,657
100$371,411,789$2,114,173$0$201,196,845