Can I retire at age 35 with 872,000?

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 $872,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$72,009$71,368$70,742$70,131$69,535$68,242
2 years$35,648$34,984$34,341$33,717$33,112$31,815
3 years$23,529$22,862$22,221$21,603$21,007$19,746
4 years$17,471$16,806$16,171$15,564$14,983$13,766
5 years$13,837$13,176$12,549$11,954$11,390$10,222
6 years$11,415$10,760$10,142$9,560$9,012$7,895
7 years$9,686$9,036$8,428$7,860$7,329$6,262
8 years$8,390$7,745$7,147$6,593$6,080$5,063
9 years$7,382$6,744$6,156$5,616$5,121$4,153
10 years$6,576$5,944$5,367$4,841$4,363$3,444
11 years$5,918$5,292$4,725$4,213$3,752$2,881
12 years$5,369$4,750$4,193$3,696$3,252$2,427
13 years$4,905$4,292$3,746$3,263$2,836$2,056
14 years$4,508$3,902$3,366$2,896$2,486$1,749
15 years$4,164$3,564$3,039$2,583$2,189$1,494
16 years$3,863$3,270$2,756$2,313$1,934$1,281
17 years$3,598$3,012$2,507$2,078$1,715$1,100
18 years$3,363$2,783$2,289$1,873$1,525$948
19 years$3,153$2,579$2,095$1,692$1,359$818
20 years$2,964$2,397$1,923$1,533$1,214$707
21 years$2,793$2,232$1,769$1,391$1,086$612
22 years$2,638$2,084$1,630$1,265$974$530
23 years$2,496$1,949$1,505$1,152$874$460
24 years$2,367$1,826$1,392$1,050$786$399
25 years$2,248$1,714$1,289$959$707$347
26 years$2,139$1,611$1,196$877$637$302
27 years$2,037$1,516$1,110$803$574$262
28 years$1,943$1,428$1,032$736$518$228
29 years$1,856$1,347$961$675$468$199
30 years$1,775$1,272$895$619$423$173
31 years$1,699$1,203$834$569$382$151
32 years$1,628$1,138$778$523$346$132
33 years$1,562$1,078$727$481$313$115
34 years$1,499$1,022$679$442$283$100
35 years$1,440$969$635$407$257$87
36 years$1,385$920$594$375$232$76
37 years$1,333$874$556$345$211$66
38 years$1,283$830$521$318$191$58
39 years$1,236$789$488$294$173$51
40 years$1,192$751$457$271$157$44
41 years$1,150$715$429$250$143$39
42 years$1,110$681$402$231$129$34
43 years$1,072$649$377$213$117$29
44 years$1,036$618$354$196$107$26
45 years$1,002$590$333$181$97$22
46 years$969$563$312$168$88$20
47 years$937$537$293$155$80$17
48 years$907$512$276$143$72$15
49 years$879$489$259$132$66$13
50 years$851$467$244$122$60$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $872,000, adding $5,568 every year, while hoping to spend $42,565 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: 32/45/23 Blend
34$872,000$872,000$872,000$872,000
35$966,687$920,471$906,955$990,631
36$1,020,001$920,286$892,050$1,008,984
37$1,077,325$918,664$875,218$1,024,522
38$1,139,026$915,492$856,351$1,040,389
39$1,205,501$910,646$835,334$1,056,643
40$1,277,192$903,997$812,047$1,073,347
41$1,354,580$895,407$786,365$1,090,579
42$1,438,196$884,731$758,156$1,108,424
43$1,528,622$871,813$727,285$1,126,983
44$1,626,499$856,489$693,606$1,146,370
45$1,732,531$838,587$656,972$1,166,716
46$1,847,492$817,921$617,224$1,188,170
47$1,972,235$794,297$574,199$1,210,901
48$2,107,694$767,509$527,726$1,235,103
49$2,254,900$737,339$477,626$1,260,992
50$2,414,987$703,555$423,713$1,288,815
51$2,589,200$665,913$365,792$1,318,850
52$2,778,911$624,156$303,659$1,351,410
53$2,985,629$578,009$237,101$1,386,849
54$3,211,016$527,184$165,896$1,425,563
55$3,456,899$471,375$89,813$1,467,997
56$3,725,291$410,260$8,609$1,514,651
57$4,018,405$343,498$0$1,566,085
58$4,338,681$270,728$0$1,642,082
59$4,688,803$191,570$0$1,727,687
60$5,071,726$105,622$0$1,821,639
61$5,490,704$12,459$0$1,924,883
62$5,949,320$0$0$2,038,472
63$6,451,519$0$0$2,207,330
64$7,001,647$0$0$2,399,193
65$7,604,489$0$0$2,609,579
66$8,265,313$0$0$2,840,342
67$8,989,925$0$0$3,093,527
68$9,784,715$0$0$3,371,386
69$10,656,726$0$0$3,676,401
70$11,613,711$0$0$4,011,302
71$12,664,214$0$0$4,379,100
72$13,817,645$0$0$4,783,112
73$15,084,368$0$0$5,226,988
74$16,475,802$0$0$5,714,754
75$18,004,527$0$0$6,250,843
76$19,684,400$0$0$6,840,138
77$21,530,688$0$0$7,488,019
78$23,560,209$0$0$8,200,416
79$25,791,493$0$0$8,983,859
80$28,244,955$0$0$9,845,543
81$30,943,085$0$0$10,793,397
82$33,910,665$0$0$11,836,155
83$37,174,997$0$0$12,983,443
84$40,766,162$0$0$14,245,864
85$44,717,304$0$0$15,635,102
86$49,064,942$0$0$17,164,032
87$53,849,313$0$0$18,846,839
88$59,114,752$0$0$20,699,152
89$64,910,109$0$0$22,738,194
90$71,289,210$0$0$24,982,941
91$78,311,366$0$0$27,454,305
92$86,041,927$0$0$30,175,325
93$94,552,903$0$0$33,171,391
94$103,923,642$0$0$36,470,479
95$114,241,577$0$0$40,103,415
96$125,603,049$0$0$44,104,168
97$138,114,219$0$0$48,510,170
98$151,892,068$0$0$53,362,666
99$167,065,498$0$0$58,707,107
100$183,776,553$0$0$64,593,577