Can I retire at age 35 with 876,000?

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 $876,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$72,339$71,695$71,066$70,453$69,853$68,612
2 years$35,812$35,145$34,498$33,871$33,264$32,017
3 years$23,637$22,967$22,323$21,702$21,104$19,891
4 years$17,551$16,883$16,245$15,635$15,051$13,881
5 years$13,901$13,237$12,607$12,009$11,442$10,318
6 years$11,468$10,809$10,188$9,604$9,054$7,978
7 years$9,730$9,077$8,466$7,896$7,363$6,335
8 years$8,428$7,781$7,180$6,624$6,108$5,128
9 years$7,416$6,775$6,184$5,642$5,144$4,211
10 years$6,606$5,972$5,392$4,863$4,383$3,497
11 years$5,945$5,316$4,747$4,233$3,770$2,929
12 years$5,394$4,771$4,213$3,713$3,267$2,470
13 years$4,928$4,312$3,764$3,278$2,849$2,095
14 years$4,529$3,919$3,382$2,909$2,497$1,785
15 years$4,183$3,581$3,053$2,595$2,199$1,527
16 years$3,881$3,285$2,768$2,323$1,943$1,311
17 years$3,615$3,025$2,519$2,087$1,723$1,128
18 years$3,378$2,796$2,299$1,881$1,532$973
19 years$3,167$2,591$2,105$1,700$1,365$841
20 years$2,977$2,408$1,932$1,540$1,220$728
21 years$2,806$2,243$1,777$1,397$1,091$631
22 years$2,650$2,093$1,638$1,270$978$547
23 years$2,508$1,958$1,512$1,157$878$476
24 years$2,378$1,834$1,399$1,055$789$414
25 years$2,258$1,722$1,295$964$710$360
26 years$2,148$1,618$1,201$881$640$313
27 years$2,047$1,523$1,116$807$577$273
28 years$1,952$1,435$1,037$739$520$238
29 years$1,865$1,354$965$678$470$208
30 years$1,783$1,278$899$622$425$181
31 years$1,707$1,208$838$571$384$158
32 years$1,636$1,143$782$525$347$138
33 years$1,569$1,083$730$483$314$121
34 years$1,506$1,026$682$444$285$105
35 years$1,447$973$638$409$258$92
36 years$1,391$924$597$377$234$80
37 years$1,339$878$558$347$212$70
38 years$1,289$834$523$320$192$61
39 years$1,242$793$490$295$174$54
40 years$1,198$754$459$272$158$47
41 years$1,155$718$431$251$143$41
42 years$1,115$684$404$232$130$36
43 years$1,077$652$379$214$118$31
44 years$1,041$621$356$197$107$27
45 years$1,006$592$334$182$97$24
46 years$973$565$314$168$88$21
47 years$942$539$295$156$80$18
48 years$912$515$277$144$73$16
49 years$883$492$260$133$66$14
50 years$855$470$245$123$60$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $876,000, adding $2,497 every year, while hoping to spend $59,689 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: 49/33/18 Blend
34$876,000$876,000$876,000$876,000
35$967,928$921,500$907,922$1,010,372
36$1,003,148$903,145$874,828$1,021,650
37$1,039,960$881,889$838,626$1,027,579
38$1,078,463$857,529$799,147$1,032,742
39$1,118,765$829,847$756,217$1,037,089
40$1,160,982$798,613$709,654$1,040,569
41$1,205,240$763,583$659,266$1,043,132
42$1,251,677$724,501$604,854$1,044,724
43$1,300,441$681,094$546,209$1,045,293
44$1,351,693$633,075$483,114$1,044,787
45$1,405,609$580,139$415,341$1,043,153
46$1,462,380$521,964$342,654$1,040,339
47$1,522,213$458,211$264,803$1,036,293
48$1,585,336$388,520$181,531$1,030,965
49$1,651,994$312,512$92,567$1,024,307
50$1,722,458$229,785$0$1,016,273
51$1,797,020$139,917$0$1,007,277
52$1,876,003$42,459$0$1,015,826
53$1,959,756$0$0$1,024,149
54$2,048,662$0$0$1,055,180
55$2,143,141$0$0$1,104,588
56$2,243,650$0$0$1,157,202
57$2,350,691$0$0$1,213,291
58$2,464,814$0$0$1,273,150
59$2,586,619$0$0$1,337,101
60$2,716,765$0$0$1,405,500
61$2,855,976$0$0$1,478,733
62$3,005,042$0$0$1,557,227
63$3,164,832$0$0$1,641,450
64$3,336,298$0$0$1,731,912
65$3,520,487$0$0$1,829,177
66$3,718,546$0$0$1,933,863
67$3,931,734$0$0$2,046,647
68$4,161,435$0$0$2,168,274
69$4,409,168$0$0$2,299,562
70$4,676,603$0$0$2,441,411
71$4,965,575$0$0$2,594,808
72$5,278,097$0$0$2,760,839
73$5,616,388$0$0$2,940,698
74$5,982,881$0$0$3,135,698
75$6,380,256$0$0$3,347,282
76$6,811,457$0$0$3,577,037
77$7,279,724$0$0$3,826,710
78$7,788,620$0$0$4,098,222
79$8,342,063$0$0$4,393,684
80$8,944,366$0$0$4,715,424
81$9,600,274$0$0$5,065,998
82$10,315,007$0$0$5,448,224
83$11,094,311$0$0$5,865,200
84$11,944,510$0$0$6,320,337
85$12,872,565$0$0$6,817,390
86$13,886,137$0$0$7,360,493
87$14,993,661$0$0$7,954,195
88$16,204,424$0$0$8,603,507
89$17,528,649$0$0$9,313,945
90$18,977,594$0$0$10,091,584
91$20,563,653$0$0$10,943,113
92$22,300,475$0$0$11,875,895
93$24,203,093$0$0$12,898,045
94$26,288,059$0$0$14,018,493
95$28,573,603$0$0$15,247,081
96$31,079,803$0$0$16,594,643
97$33,828,775$0$0$18,073,116
98$36,844,874$0$0$19,695,646
99$40,154,931$0$0$21,476,716
100$43,788,499$0$0$23,432,276