Can I retire at age 35 with 875,000?

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 $875,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$72,257$71,613$70,985$70,372$69,774$68,505
2 years$35,771$35,104$34,459$33,833$33,226$31,952
3 years$23,610$22,941$22,297$21,677$21,080$19,841
4 years$17,531$16,864$16,227$15,617$15,034$13,840
5 years$13,885$13,222$12,593$11,995$11,429$10,282
6 years$11,455$10,797$10,177$9,593$9,043$7,945
7 years$9,719$9,067$8,457$7,887$7,355$6,306
8 years$8,419$7,772$7,172$6,616$6,101$5,102
9 years$7,407$6,767$6,177$5,635$5,138$4,187
10 years$6,599$5,965$5,385$4,858$4,378$3,474
11 years$5,938$5,310$4,741$4,228$3,765$2,908
12 years$5,387$4,766$4,208$3,708$3,263$2,451
13 years$4,922$4,307$3,759$3,274$2,845$2,078
14 years$4,523$3,915$3,378$2,906$2,494$1,769
15 years$4,178$3,576$3,050$2,592$2,196$1,512
16 years$3,877$3,281$2,765$2,321$1,941$1,297
17 years$3,611$3,022$2,516$2,085$1,721$1,115
18 years$3,375$2,792$2,297$1,879$1,530$961
19 years$3,164$2,588$2,103$1,698$1,364$830
20 years$2,974$2,405$1,930$1,538$1,218$718
21 years$2,802$2,240$1,775$1,396$1,090$622
22 years$2,647$2,091$1,636$1,269$977$539
23 years$2,505$1,956$1,510$1,156$877$468
24 years$2,375$1,832$1,397$1,054$788$407
25 years$2,256$1,720$1,294$963$709$354
26 years$2,146$1,616$1,200$880$639$308
27 years$2,044$1,521$1,114$806$576$268
28 years$1,950$1,433$1,036$738$520$234
29 years$1,863$1,352$964$677$469$204
30 years$1,781$1,277$898$621$424$177
31 years$1,705$1,207$837$571$383$155
32 years$1,634$1,142$781$524$347$135
33 years$1,567$1,082$729$482$314$118
34 years$1,504$1,025$681$444$284$103
35 years$1,445$972$637$408$257$90
36 years$1,390$923$596$376$233$78
37 years$1,337$877$558$347$211$68
38 years$1,288$833$522$319$192$60
39 years$1,241$792$489$295$174$52
40 years$1,196$754$459$272$158$46
41 years$1,154$717$430$251$143$40
42 years$1,114$683$403$231$130$35
43 years$1,076$651$379$214$118$30
44 years$1,040$620$355$197$107$27
45 years$1,005$592$334$182$97$23
46 years$972$564$313$168$88$20
47 years$941$539$294$155$80$18
48 years$911$514$277$144$73$15
49 years$882$491$260$133$66$14
50 years$854$469$244$123$60$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $875,000, adding $4,136 every year, while hoping to spend $48,739 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: 62/32/6 Blend
34$875,000$875,000$875,000$875,000
35$968,516$922,141$908,579$1,027,269
36$1,015,447$915,468$887,158$1,060,308
37$1,065,531$906,835$863,387$1,090,287
38$1,119,039$896,093$837,134$1,121,749
39$1,176,266$883,087$808,263$1,154,834
40$1,237,538$867,651$776,633$1,189,699
41$1,303,211$849,610$742,093$1,226,521
42$1,373,674$828,776$704,489$1,265,493
43$1,449,357$804,955$663,658$1,306,834
44$1,530,730$777,936$619,429$1,350,783
45$1,618,310$747,500$571,625$1,397,610
46$1,712,663$713,414$520,060$1,447,610
47$1,814,413$675,429$464,541$1,501,117
48$1,924,244$633,285$404,863$1,558,496
49$2,042,907$586,707$340,817$1,620,156
50$2,171,229$535,401$272,180$1,686,551
51$2,310,119$479,060$198,722$1,758,182
52$2,460,574$417,357$120,202$1,835,608
53$2,623,692$349,947$36,368$1,919,447
54$2,800,681$276,467$0$2,010,387
55$2,992,868$196,531$0$2,112,587
56$3,201,713$109,734$0$2,226,198
57$3,428,823$15,646$0$2,349,843
58$3,675,965$0$0$2,484,577
59$3,945,084$0$0$2,661,916
60$4,238,319$0$0$2,861,210
61$4,558,025$0$0$3,078,558
62$4,906,795$0$0$3,315,727
63$5,287,481$0$0$3,574,668
64$5,703,222$0$0$3,857,524
65$6,157,476$0$0$4,166,655
66$6,654,049$0$0$4,504,662
67$7,197,131$0$0$4,874,405
68$7,791,334$0$0$5,279,035
69$8,441,739$0$0$5,722,022
70$9,153,939$0$0$6,207,185
71$9,934,095$0$0$6,738,734
72$10,788,990$0$0$7,321,300
73$11,726,096$0$0$7,959,988
74$12,753,639$0$0$8,660,417
75$13,880,684$0$0$9,428,778
76$15,117,213$0$0$10,271,889
77$16,474,219$0$0$11,197,260
78$17,963,813$0$0$12,213,166
79$19,599,337$0$0$13,328,718
80$21,395,486$0$0$14,553,955
81$23,368,448$0$0$15,899,936
82$25,536,056$0$0$17,378,843
83$27,917,958$0$0$19,004,099
84$30,535,795$0$0$20,790,487
85$33,413,414$0$0$22,754,299
86$36,577,084$0$0$24,913,479
87$40,055,746$0$0$27,287,801
88$43,881,287$0$0$29,899,047
89$48,088,839$0$0$32,771,219
90$52,717,109$0$0$35,930,761
91$57,808,743$0$0$39,406,807
92$63,410,730$0$0$43,231,460
93$69,574,843$0$0$47,440,090
94$76,358,126$0$0$52,071,669
95$83,823,434$0$0$57,169,139
96$92,040,022$0$0$62,779,816
97$101,084,199$0$0$68,955,833
98$111,040,049$0$0$75,754,637
99$122,000,222$0$0$83,239,526
100$134,066,807$0$0$91,480,248