Can I retire at age 35 with 871,000?

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 $871,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$71,926$71,286$70,661$70,051$69,455$68,758
2 years$35,607$34,944$34,301$33,678$33,074$32,372
3 years$23,502$22,836$22,195$21,578$20,983$20,298
4 years$17,451$16,787$16,152$15,546$14,965$14,303
5 years$13,821$13,161$12,535$11,941$11,377$10,738
6 years$11,402$10,747$10,130$9,549$9,002$8,388
7 years$9,675$9,025$8,418$7,851$7,321$6,732
8 years$8,380$7,736$7,139$6,586$6,073$5,509
9 years$7,374$6,736$6,149$5,610$5,115$4,575
10 years$6,569$5,937$5,361$4,836$4,358$3,843
11 years$5,911$5,286$4,720$4,208$3,748$3,257
12 years$5,363$4,744$4,189$3,691$3,248$2,781
13 years$4,900$4,287$3,742$3,259$2,832$2,388
14 years$4,503$3,897$3,362$2,893$2,483$2,061
15 years$4,159$3,560$3,036$2,580$2,186$1,786
16 years$3,859$3,266$2,752$2,310$1,932$1,553
17 years$3,594$3,008$2,505$2,076$1,713$1,354
18 years$3,359$2,780$2,286$1,870$1,523$1,184
19 years$3,149$2,576$2,093$1,690$1,358$1,038
20 years$2,960$2,394$1,921$1,531$1,213$911
21 years$2,790$2,230$1,767$1,389$1,085$801
22 years$2,635$2,081$1,628$1,263$973$705
23 years$2,494$1,947$1,504$1,150$873$622
24 years$2,364$1,824$1,391$1,049$785$549
25 years$2,246$1,712$1,288$958$706$485
26 years$2,136$1,609$1,194$876$636$429
27 years$2,035$1,514$1,109$802$574$379
28 years$1,941$1,427$1,031$735$518$336
29 years$1,854$1,346$960$674$467$297
30 years$1,773$1,271$894$618$422$264
31 years$1,697$1,202$833$568$382$234
32 years$1,626$1,137$777$522$345$207
33 years$1,560$1,077$726$480$313$184
34 years$1,497$1,020$678$442$283$163
35 years$1,439$968$634$407$256$145
36 years$1,383$919$593$374$232$129
37 years$1,331$873$555$345$210$114
38 years$1,282$829$520$318$191$102
39 years$1,235$788$487$293$173$90
40 years$1,191$750$457$270$157$80
41 years$1,149$714$428$249$142$71
42 years$1,109$680$402$230$129$63
43 years$1,071$648$377$213$117$56
44 years$1,035$618$354$196$106$50
45 years$1,000$589$332$181$97$45
46 years$968$562$312$167$88$40
47 years$936$536$293$155$80$35
48 years$906$512$275$143$72$31
49 years$878$489$259$132$66$28
50 years$850$467$243$122$60$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $871,000, adding $2,402 every year, while hoping to spend $41,645 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: 77/9/14 Blend
34$871,000$871,000$871,000$871,000
35$962,320$916,157$902,656$1,033,449
36$1,016,166$916,738$888,585$1,081,260
37$1,074,110$915,953$872,647$1,128,169
38$1,136,523$913,689$854,735$1,178,450
39$1,203,818$909,829$834,738$1,232,425
40$1,276,445$904,249$812,540$1,290,447
41$1,354,900$896,814$788,017$1,352,908
42$1,439,727$887,386$761,043$1,420,237
43$1,531,526$875,814$731,485$1,492,910
44$1,630,954$861,941$699,202$1,571,450
45$1,738,735$845,600$664,048$1,656,434
46$1,855,664$826,612$625,872$1,748,498
47$1,982,616$804,791$584,514$1,848,345
48$2,120,555$779,937$539,807$1,956,748
49$2,270,538$751,841$491,577$2,074,562
50$2,433,731$720,279$439,642$2,202,726
51$2,611,414$685,016$383,813$2,342,279
52$2,804,999$645,802$323,892$2,494,366
53$3,016,037$602,374$259,670$2,660,249
54$3,246,236$554,454$190,932$2,841,319
55$3,497,476$501,746$117,452$3,039,112
56$3,771,826$443,939$38,995$3,255,321
57$4,071,565$380,705$0$3,491,810
58$4,399,200$311,695$0$3,757,323
59$4,757,492$236,541$0$4,054,095
60$5,149,482$154,858$0$4,378,840
61$5,578,516$66,233$0$4,734,358
62$6,048,281$0$0$5,123,737
63$6,562,837$0$0$5,553,325
64$7,126,652$0$0$6,031,256
65$7,744,650$0$0$6,555,148
66$8,422,253$0$0$7,129,602
67$9,165,432$0$0$7,759,683
68$9,980,765$0$0$8,450,973
69$10,875,497$0$0$9,209,618
70$11,857,607$0$0$10,042,390
71$12,935,886$0$0$10,956,745
72$14,120,016$0$0$11,960,901
73$15,420,665$0$0$13,063,908
74$16,849,583$0$0$14,275,736
75$18,419,715$0$0$15,607,369
76$20,145,322$0$0$17,070,907
77$22,042,114$0$0$18,679,680
78$24,127,402$0$0$20,448,376
79$26,420,254$0$0$22,393,175
80$28,941,681$0$0$24,531,904
81$31,714,829$0$0$26,884,205
82$34,765,204$0$0$29,471,716
83$38,120,904$0$0$32,318,281
84$41,812,889$0$0$35,450,170
85$45,875,271$0$0$38,896,327
86$50,345,637$0$0$42,688,645
87$55,265,400$0$0$46,862,264
88$60,680,190$0$0$51,455,902
89$66,640,287$0$0$56,512,222
90$73,201,091$0$0$62,078,233
91$80,423,648$0$0$68,205,733
92$88,375,221$0$0$74,951,797
93$97,129,927$0$0$82,379,315
94$106,769,438$0$0$90,557,587
95$117,383,744$0$0$99,562,973
96$129,072,011$0$0$109,479,617
97$141,943,507$0$0$120,400,237
98$156,118,639$0$0$132,427,002
99$171,730,087$0$0$145,672,493
100$188,924,054$0$0$160,260,771