Can I retire at age 35 with 857,000?

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 $857,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$70,770$70,140$69,525$68,925$68,338$67,597
2 years$35,035$34,382$33,750$33,137$32,542$31,795
3 years$23,125$22,469$21,838$21,231$20,646$19,917
4 years$17,171$16,517$15,893$15,296$14,725$14,020
5 years$13,599$12,950$12,333$11,749$11,194$10,514
6 years$11,219$10,574$9,967$9,395$8,857$8,204
7 years$9,519$8,880$8,283$7,725$7,203$6,577
8 years$8,245$7,612$7,025$6,480$5,976$5,377
9 years$7,255$6,628$6,050$5,519$5,032$4,460
10 years$6,463$5,842$5,275$4,758$4,288$3,742
11 years$5,816$5,201$4,644$4,141$3,688$3,167
12 years$5,277$4,668$4,121$3,632$3,196$2,700
13 years$4,821$4,218$3,682$3,206$2,787$2,316
14 years$4,430$3,834$3,308$2,846$2,443$1,996
15 years$4,092$3,503$2,987$2,538$2,151$1,728
16 years$3,797$3,214$2,708$2,273$1,901$1,500
17 years$3,536$2,960$2,464$2,042$1,686$1,307
18 years$3,305$2,735$2,250$1,840$1,499$1,141
19 years$3,098$2,535$2,059$1,663$1,336$998
20 years$2,913$2,355$1,890$1,506$1,193$875
21 years$2,745$2,194$1,738$1,367$1,068$768
22 years$2,592$2,048$1,602$1,243$957$675
23 years$2,453$1,915$1,479$1,132$859$595
24 years$2,326$1,795$1,368$1,032$772$524
25 years$2,209$1,684$1,267$943$695$462
26 years$2,102$1,583$1,175$862$626$408
27 years$2,002$1,490$1,091$789$564$360
28 years$1,910$1,404$1,015$723$509$319
29 years$1,824$1,324$944$663$460$282
30 years$1,744$1,251$879$608$415$249
31 years$1,670$1,182$820$559$376$221
32 years$1,600$1,119$765$514$340$195
33 years$1,535$1,059$714$472$307$173
34 years$1,473$1,004$667$435$278$153
35 years$1,416$952$624$400$252$136
36 years$1,361$904$584$368$228$121
37 years$1,310$858$546$339$207$107
38 years$1,261$816$512$313$188$95
39 years$1,215$776$479$288$170$84
40 years$1,172$738$449$266$154$75
41 years$1,130$703$421$245$140$66
42 years$1,091$669$395$227$127$59
43 years$1,054$638$371$209$115$52
44 years$1,018$608$348$193$105$46
45 years$984$580$327$178$95$41
46 years$952$553$307$165$86$36
47 years$921$528$288$152$78$32
48 years$892$504$271$141$71$29
49 years$864$481$255$130$65$25
50 years$837$459$239$120$59$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $857,000, adding $3,018 every year, while hoping to spend $27,926 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: 47/38/15 Blend
34$857,000$857,000$857,000$857,000
35$947,527$902,106$888,823$987,927
36$1,014,462$916,596$888,885$1,030,730
37$1,087,288$930,860$888,014$1,074,068
38$1,166,577$944,858$886,148$1,120,494
39$1,252,957$958,546$883,223$1,170,308
40$1,347,121$971,877$879,174$1,223,840
41$1,449,831$984,802$873,929$1,281,452
42$1,561,923$997,267$867,416$1,343,546
43$1,684,322$1,009,216$859,557$1,410,567
44$1,818,043$1,020,587$850,271$1,483,003
45$1,964,203$1,031,316$839,476$1,561,394
46$2,124,035$1,041,333$827,081$1,646,337
47$2,298,893$1,050,565$812,994$1,738,491
48$2,490,270$1,058,933$797,120$1,838,581
49$2,699,809$1,066,352$779,355$1,947,411
50$2,929,321$1,072,735$759,595$2,065,866
51$3,180,798$1,077,985$737,728$2,194,922
52$3,456,436$1,082,003$713,638$2,335,660
53$3,758,651$1,084,680$687,203$2,489,268
54$4,090,106$1,085,902$658,298$2,657,062
55$4,453,734$1,085,548$626,788$2,840,490
56$4,852,765$1,083,490$592,535$3,041,155
57$5,290,757$1,079,591$555,395$3,260,821
58$5,771,629$1,073,705$515,215$3,501,437
59$6,299,697$1,065,680$471,838$3,765,154
60$6,879,719$1,055,351$425,097$4,054,344
61$7,516,933$1,042,545$374,820$4,371,625
62$8,217,110$1,027,080$320,827$4,719,885
63$8,986,609$1,008,761$262,928$5,102,311
64$9,832,435$987,382$200,928$5,522,419
65$10,762,304$962,724$134,620$5,984,087
66$11,784,720$934,558$63,790$6,491,593
67$12,909,048$902,639$0$7,049,658
68$14,145,610$866,707$0$7,665,375
69$15,505,776$826,490$0$8,353,618
70$17,002,075$781,697$0$9,110,538
71$18,648,309$732,023$0$9,943,163
72$20,459,688$677,143$0$10,859,242
73$22,452,969$616,716$0$11,867,316
74$24,646,616$550,380$0$12,976,804
75$27,060,974$477,751$0$14,198,092
76$29,718,459$398,426$0$15,542,627
77$32,643,771$311,979$0$17,023,033
78$35,864,127$217,957$0$18,653,227
79$39,409,516$115,885$0$20,448,551
80$43,312,983$5,259$0$22,425,918
81$47,610,940$0$0$24,603,978
82$52,343,509$0$0$27,051,144
83$57,554,903$0$0$29,748,454
84$63,293,838$0$0$32,718,940
85$69,613,997$0$0$35,990,404
86$76,574,535$0$0$39,593,482
87$84,240,634$0$0$43,561,935
88$92,684,123$0$0$47,932,961
89$101,984,153$0$0$52,747,555
90$112,227,943$0$0$58,050,889
91$123,511,604$0$0$63,892,740
92$135,941,045$0$0$70,327,961
93$149,632,974$0$0$77,416,996
94$164,715,997$0$0$85,226,454
95$181,331,832$0$0$93,829,734
96$199,636,649$0$0$103,307,718
97$219,802,540$0$0$113,749,539
98$242,019,145$0$0$125,253,415
99$266,495,441$0$0$137,927,582
100$293,461,715$0$0$151,891,310