Can I retire at age 35 with 858,000?

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 $858,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$70,853$70,222$69,606$69,005$68,418$67,732
2 years$35,076$34,422$33,789$33,175$32,580$31,889
3 years$23,151$22,495$21,864$21,256$20,670$19,995
4 years$17,191$16,537$15,911$15,314$14,742$14,089
5 years$13,615$12,965$12,348$11,762$11,207$10,577
6 years$11,232$10,587$9,979$9,406$8,867$8,262
7 years$9,531$8,891$8,293$7,734$7,212$6,631
8 years$8,255$7,621$7,033$6,487$5,983$5,427
9 years$7,264$6,635$6,057$5,526$5,038$4,507
10 years$6,471$5,849$5,281$4,763$4,293$3,786
11 years$5,823$5,207$4,649$4,146$3,692$3,208
12 years$5,283$4,673$4,126$3,636$3,199$2,739
13 years$4,826$4,223$3,686$3,210$2,790$2,352
14 years$4,436$3,839$3,312$2,850$2,446$2,030
15 years$4,097$3,507$2,990$2,541$2,153$1,759
16 years$3,801$3,218$2,711$2,276$1,903$1,530
17 years$3,541$2,963$2,467$2,045$1,687$1,334
18 years$3,309$2,738$2,252$1,843$1,500$1,167
19 years$3,102$2,538$2,062$1,665$1,337$1,022
20 years$2,916$2,358$1,892$1,508$1,195$897
21 years$2,748$2,197$1,740$1,369$1,069$789
22 years$2,595$2,050$1,604$1,244$958$695
23 years$2,456$1,918$1,481$1,133$860$613
24 years$2,329$1,797$1,370$1,034$773$541
25 years$2,212$1,686$1,269$944$696$478
26 years$2,104$1,585$1,177$863$627$422
27 years$2,005$1,491$1,093$790$565$374
28 years$1,912$1,405$1,016$724$510$331
29 years$1,826$1,326$945$664$460$293
30 years$1,747$1,252$880$609$416$260
31 years$1,672$1,184$821$559$376$230
32 years$1,602$1,120$766$514$340$204
33 years$1,537$1,061$715$473$308$181
34 years$1,475$1,005$668$435$279$161
35 years$1,417$953$625$400$252$143
36 years$1,363$905$584$369$229$127
37 years$1,311$859$547$340$207$113
38 years$1,263$817$512$313$188$100
39 years$1,217$777$480$289$170$89
40 years$1,173$739$450$266$155$79
41 years$1,132$703$422$246$140$70
42 years$1,092$670$396$227$127$62
43 years$1,055$638$371$209$115$55
44 years$1,019$608$348$193$105$49
45 years$986$580$327$179$95$44
46 years$953$553$307$165$86$39
47 years$922$528$289$152$78$35
48 years$893$504$271$141$71$31
49 years$865$482$255$130$65$27
50 years$838$460$240$120$59$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $858,000, adding $3,830 every year, while hoping to spend $42,550 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: 54/25/21 Blend
34$858,000$858,000$858,000$858,000
35$949,467$903,993$890,694$995,099
36$1,001,039$903,015$875,259$1,025,843
37$1,056,446$900,564$857,881$1,054,506
38$1,116,034$896,522$838,450$1,084,798
39$1,180,182$890,764$816,851$1,116,886
40$1,249,308$883,159$792,963$1,150,959
41$1,323,871$873,567$766,660$1,187,225
42$1,404,373$861,839$737,811$1,225,918
43$1,491,369$847,820$706,278$1,267,295
44$1,585,467$831,341$671,916$1,311,643
45$1,687,335$812,227$634,576$1,359,282
46$1,797,708$790,291$594,099$1,410,565
47$1,917,395$765,336$550,322$1,465,888
48$2,047,284$737,152$503,073$1,525,685
49$2,188,353$705,518$452,171$1,590,443
50$2,341,676$670,200$397,430$1,660,698
51$2,508,437$630,949$338,654$1,737,048
52$2,689,936$587,505$275,637$1,820,153
53$2,887,606$539,589$208,168$1,910,748
54$3,103,022$486,909$136,022$2,009,644
55$3,337,919$429,156$58,967$2,117,742
56$3,594,204$366,002$0$2,236,039
57$3,873,978$297,101$0$2,370,853
58$4,179,554$222,090$0$2,532,633
59$4,513,477$140,581$0$2,709,566
60$4,878,551$52,168$0$2,903,212
61$5,277,859$0$0$3,115,295
62$5,714,801$0$0$3,359,705
63$6,193,116$0$0$3,643,048
64$6,716,926$0$0$3,953,422
65$7,290,765$0$0$4,293,526
66$7,919,630$0$0$4,666,331
67$8,609,023$0$0$5,075,111
68$9,365,005$0$0$5,523,471
69$10,194,249$0$0$6,015,379
70$11,104,108$0$0$6,555,211
71$12,102,678$0$0$7,147,783
72$13,198,881$0$0$7,798,401
73$14,402,540$0$0$8,512,912
74$15,724,481$0$0$9,297,752
75$17,176,624$0$0$10,160,018
76$18,772,106$0$0$11,107,522
77$20,525,397$0$0$12,148,873
78$22,452,437$0$0$13,293,557
79$24,570,789$0$0$14,552,021
80$26,899,801$0$0$15,935,778
81$29,460,790$0$0$17,457,511
82$32,277,242$0$0$19,131,194
83$35,375,033$0$0$20,972,223
84$38,782,673$0$0$22,997,560
85$42,531,572$0$0$25,225,897
86$46,656,341$0$0$27,677,824
87$51,195,112$0$0$30,376,034
88$56,189,903$0$0$33,345,526
89$61,687,008$0$0$36,613,846
90$67,737,438$0$0$40,211,348
91$74,397,401$0$0$44,171,477
92$81,728,828$0$0$48,531,083
93$89,799,962$0$0$53,330,774
94$98,685,998$0$0$58,615,293
95$108,469,792$0$0$64,433,944
96$119,242,644$0$0$70,841,054
97$131,105,159$0$0$77,896,487
98$144,168,193$0$0$85,666,207
99$158,553,901$0$0$94,222,904
100$174,396,888$0$0$103,646,675