Can I retire at age 35 with 878,000?

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 $878,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$72,504$71,859$71,228$70,613$70,013$67,529
2 years$35,893$35,225$34,577$33,949$33,340$30,863
3 years$23,691$23,020$22,374$21,751$21,152$18,761
4 years$17,591$16,922$16,282$15,671$15,086$12,799
5 years$13,932$13,267$12,636$12,037$11,468$9,291
6 years$11,494$10,834$10,212$9,626$9,074$7,009
7 years$9,753$9,098$8,486$7,914$7,380$5,426
8 years$8,447$7,799$7,197$6,639$6,122$4,278
9 years$7,433$6,790$6,198$5,655$5,156$3,419
10 years$6,622$5,985$5,404$4,874$4,393$2,760
11 years$5,958$5,328$4,758$4,242$3,778$2,246
12 years$5,406$4,782$4,222$3,721$3,274$1,839
13 years$4,939$4,322$3,772$3,285$2,855$1,513
14 years$4,539$3,928$3,389$2,916$2,503$1,250
15 years$4,193$3,589$3,060$2,601$2,204$1,036
16 years$3,890$3,293$2,775$2,329$1,948$861
17 years$3,623$3,032$2,525$2,092$1,727$717
18 years$3,386$2,802$2,305$1,886$1,535$598
19 years$3,174$2,597$2,110$1,704$1,369$500
20 years$2,984$2,413$1,936$1,543$1,222$418
21 years$2,812$2,248$1,781$1,400$1,094$350
22 years$2,656$2,098$1,642$1,273$981$294
23 years$2,514$1,962$1,516$1,160$880$246
24 years$2,383$1,839$1,402$1,058$791$207
25 years$2,264$1,725$1,298$966$712$173
26 years$2,153$1,622$1,204$883$641$146
27 years$2,051$1,526$1,118$808$578$122
28 years$1,957$1,438$1,039$741$522$103
29 years$1,869$1,357$967$679$471$86
30 years$1,787$1,281$901$623$426$73
31 years$1,711$1,211$840$572$385$61
32 years$1,639$1,146$784$526$348$51
33 years$1,572$1,085$732$484$315$43
34 years$1,509$1,029$684$445$285$36
35 years$1,450$976$639$410$258$31
36 years$1,394$926$598$377$234$26
37 years$1,342$880$560$348$212$22
38 years$1,292$836$524$321$192$18
39 years$1,245$795$491$296$174$15
40 years$1,200$756$460$273$158$13
41 years$1,158$720$432$251$144$11
42 years$1,118$686$405$232$130$9
43 years$1,080$653$380$214$118$8
44 years$1,043$623$357$198$107$6
45 years$1,009$594$335$183$97$5
46 years$975$566$314$169$88$5
47 years$944$541$295$156$80$4
48 years$914$516$278$144$73$3
49 years$885$493$261$133$66$3
50 years$857$471$245$123$60$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $878,000, adding $3,103 every year, while hoping to spend $57,167 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: 50/39/11 Blend
34$878,000$878,000$878,000$878,000
35$970,757$924,223$910,614$1,016,283
36$1,008,949$908,684$880,294$1,032,247
37$1,049,120$890,469$847,043$1,043,291
38$1,091,413$869,384$810,701$1,053,983
39$1,135,981$845,228$771,103$1,064,306
40$1,182,992$817,785$728,076$1,074,245
41$1,232,629$786,828$681,439$1,083,789
42$1,285,092$752,117$631,001$1,092,926
43$1,340,598$713,398$576,567$1,101,651
44$1,399,385$670,400$517,928$1,109,962
45$1,461,713$622,841$454,869$1,117,860
46$1,527,865$570,417$387,165$1,125,353
47$1,598,152$512,813$314,580$1,132,455
48$1,672,914$449,691$236,868$1,139,189
49$1,752,521$380,696$153,773$1,145,585
50$1,837,381$305,453$65,028$1,151,682
51$1,927,939$223,565$0$1,157,533
52$2,024,682$134,613$0$1,166,686
53$2,128,147$38,156$0$1,184,108
54$2,238,919$0$0$1,202,291
55$2,357,641$0$0$1,249,828
56$2,485,019$0$0$1,318,463
57$2,621,826$0$0$1,392,244
58$2,768,913$0$0$1,471,639
59$2,927,213$0$0$1,557,160
60$3,097,748$0$0$1,649,369
61$3,281,646$0$0$1,748,886
62$3,480,140$0$0$1,856,388
63$3,694,589$0$0$1,972,623
64$3,926,486$0$0$2,098,411
65$4,177,470$0$0$2,234,653
66$4,449,345$0$0$2,382,341
67$4,744,093$0$0$2,542,566
68$5,063,894$0$0$2,716,526
69$5,411,146$0$0$2,905,541
70$5,788,485$0$0$3,111,061
71$6,198,813$0$0$3,334,682
72$6,645,322$0$0$3,578,162
73$7,131,523$0$0$3,843,431
74$7,661,280$0$0$4,132,617
75$8,238,846$0$0$4,448,060
76$8,868,902$0$0$4,792,337
77$9,556,598$0$0$5,168,283
78$10,307,607$0$0$5,579,021
79$11,128,169$0$0$6,027,986
80$12,025,158$0$0$6,518,963
81$13,006,141$0$0$7,056,117
82$14,079,448$0$0$7,644,035
83$15,254,253$0$0$8,287,770
84$16,540,656$0$0$8,992,883
85$17,949,783$0$0$9,765,499
86$19,493,883$0$0$10,612,366
87$21,186,448$0$0$11,540,914
88$23,042,336$0$0$12,559,324
89$25,077,914$0$0$13,676,612
90$27,311,206$0$0$14,902,704
91$29,762,067$0$0$16,248,537
92$32,452,367$0$0$17,726,156
93$35,406,197$0$0$19,348,831
94$38,650,093$0$0$21,131,178
95$42,213,290$0$0$23,089,301
96$46,127,991$0$0$25,240,939
97$50,429,673$0$0$27,605,635
98$55,157,420$0$0$30,204,919
99$60,354,291$0$0$33,062,510
100$66,067,723$0$0$36,204,541