Can I retire at age 35 with 887,000?

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 $887,000?

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$73,248$72,595$71,959$71,337$70,731$69,445
2 years$36,261$35,586$34,931$34,297$33,681$32,390
3 years$23,934$23,256$22,603$21,974$21,369$20,113
4 years$17,772$17,095$16,449$15,831$15,240$14,029
5 years$14,075$13,403$12,765$12,160$11,585$10,423
6 years$11,612$10,945$10,316$9,724$9,167$8,054
7 years$9,853$9,191$8,573$7,995$7,455$6,392
8 years$8,534$7,879$7,270$6,707$6,185$5,172
9 years$7,509$6,860$6,262$5,713$5,209$4,244
10 years$6,689$6,047$5,459$4,924$4,438$3,522
11 years$6,019$5,383$4,806$4,286$3,817$2,948
12 years$5,461$4,831$4,265$3,759$3,308$2,485
13 years$4,990$4,366$3,811$3,319$2,884$2,106
14 years$4,585$3,969$3,424$2,946$2,528$1,793
15 years$4,236$3,625$3,092$2,627$2,226$1,533
16 years$3,930$3,326$2,803$2,352$1,967$1,315
17 years$3,660$3,063$2,551$2,114$1,745$1,131
18 years$3,421$2,831$2,328$1,905$1,551$974
19 years$3,207$2,623$2,131$1,721$1,383$841
20 years$3,015$2,438$1,956$1,559$1,235$728
21 years$2,841$2,271$1,799$1,415$1,105$630
22 years$2,683$2,120$1,658$1,286$991$547
23 years$2,539$1,983$1,531$1,172$889$475
24 years$2,408$1,857$1,416$1,068$799$412
25 years$2,287$1,743$1,312$976$719$359
26 years$2,175$1,638$1,216$892$648$312
27 years$2,072$1,542$1,130$817$584$272
28 years$1,977$1,453$1,050$748$527$237
29 years$1,888$1,371$977$686$476$206
30 years$1,806$1,294$910$630$430$180
31 years$1,728$1,224$849$578$389$157
32 years$1,656$1,158$792$532$352$137
33 years$1,588$1,096$739$489$318$119
34 years$1,525$1,039$691$450$288$104
35 years$1,465$986$646$414$261$91
36 years$1,409$936$604$381$236$79
37 years$1,356$889$565$351$214$69
38 years$1,305$844$529$324$194$61
39 years$1,258$803$496$299$176$53
40 years$1,213$764$465$275$160$46
41 years$1,170$727$436$254$145$40
42 years$1,129$693$409$234$132$35
43 years$1,091$660$384$216$119$31
44 years$1,054$629$360$200$108$27
45 years$1,019$600$338$185$98$24
46 years$985$572$318$170$89$21
47 years$954$546$298$158$81$18
48 years$923$521$280$146$74$16
49 years$894$498$264$135$67$14
50 years$866$476$248$124$61$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $887,000, adding $3,704 every year, while hoping to spend $43,499 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: 45/46/9 Blend
34$887,000$887,000$887,000$887,000
35$981,295$934,284$920,535$1,022,804
36$1,035,104$933,781$905,091$1,051,389
37$1,092,944$931,796$887,671$1,077,598
38$1,155,180$928,209$868,163$1,105,023
39$1,222,213$922,896$846,451$1,133,792
40$1,294,483$915,722$822,412$1,164,048
41$1,372,475$906,547$795,916$1,195,949
42$1,456,718$895,219$766,831$1,229,676
43$1,547,799$881,580$735,015$1,265,428
44$1,646,359$865,462$700,322$1,303,428
45$1,753,103$846,685$662,599$1,343,927
46$1,868,808$825,061$621,684$1,387,202
47$1,994,326$800,389$577,411$1,433,566
48$2,130,597$772,458$529,604$1,483,364
49$2,278,652$741,043$478,080$1,536,984
50$2,439,627$705,906$422,648$1,594,857
51$2,614,771$666,797$363,109$1,657,462
52$2,805,458$623,451$299,253$1,725,334
53$3,013,201$575,586$230,864$1,799,066
54$3,239,663$522,905$157,714$1,879,321
55$3,486,677$465,096$79,565$1,966,833
56$3,756,258$401,825$0$2,062,418
57$4,050,625$332,743$0$2,167,353
58$4,372,221$257,480$0$2,290,455
59$4,723,736$175,645$0$2,425,220
60$5,108,130$86,825$0$2,572,918
61$5,528,663$0$0$2,734,954
62$5,988,926$0$0$2,917,652
63$6,492,869$0$0$3,165,912
64$7,044,847$0$0$3,437,940
65$7,649,651$0$0$3,736,111
66$8,312,563$0$0$4,063,042
67$9,039,394$0$0$4,421,615
68$9,836,550$0$0$4,815,002
69$10,711,082$0$0$5,246,699
70$11,670,759$0$0$5,720,558
71$12,724,139$0$0$6,240,820
72$13,880,646$0$0$6,812,156
73$15,150,665$0$0$7,439,713
74$16,545,632$0$0$8,129,162
75$18,078,149$0$0$8,886,749
76$19,762,095$0$0$9,719,355
77$21,612,764$0$0$10,634,560
78$23,647,001$0$0$11,640,717
79$25,883,366$0$0$12,747,027
80$28,342,309$0$0$13,963,628
81$31,046,357$0$0$15,301,689
82$34,020,332$0$0$16,773,516
83$37,291,581$0$0$18,392,667
84$40,890,233$0$0$20,174,082
85$44,849,489$0$0$22,134,220
86$49,205,924$0$0$24,291,217
87$53,999,842$0$0$26,665,056
88$59,275,650$0$0$29,277,755
89$65,082,276$0$0$32,153,574
90$71,473,635$0$0$35,319,246
91$78,509,130$0$0$38,804,225
92$86,254,220$0$0$42,640,969
93$94,781,029$0$0$46,865,240
94$104,169,032$0$0$51,516,445
95$114,505,802$0$0$56,638,009
96$125,887,835$0$0$62,277,779
97$138,421,464$0$0$68,488,480
98$152,223,853$0$0$75,328,211
99$167,424,114$0$0$82,860,993
100$184,164,514$0$0$91,157,372