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%14.1%
1 years$70,853$70,222$69,606$69,005$68,418$67,257
2 years$35,076$34,422$33,789$33,175$32,580$31,414
3 years$23,151$22,495$21,864$21,256$20,670$19,535
4 years$17,191$16,537$15,911$15,314$14,742$13,647
5 years$13,615$12,965$12,348$11,762$11,207$10,155
6 years$11,232$10,587$9,979$9,406$8,867$7,860
7 years$9,531$8,891$8,293$7,734$7,212$6,249
8 years$8,255$7,621$7,033$6,487$5,983$5,064
9 years$7,264$6,635$6,057$5,526$5,038$4,163
10 years$6,471$5,849$5,281$4,763$4,293$3,461
11 years$5,823$5,207$4,649$4,146$3,692$2,903
12 years$5,283$4,673$4,126$3,636$3,199$2,451
13 years$4,826$4,223$3,686$3,210$2,790$2,082
14 years$4,436$3,839$3,312$2,850$2,446$1,776
15 years$4,097$3,507$2,990$2,541$2,153$1,522
16 years$3,801$3,218$2,711$2,276$1,903$1,308
17 years$3,541$2,963$2,467$2,045$1,687$1,127
18 years$3,309$2,738$2,252$1,843$1,500$973
19 years$3,102$2,538$2,062$1,665$1,337$842
20 years$2,916$2,358$1,892$1,508$1,195$730
21 years$2,748$2,197$1,740$1,369$1,069$634
22 years$2,595$2,050$1,604$1,244$958$551
23 years$2,456$1,918$1,481$1,133$860$480
24 years$2,329$1,797$1,370$1,034$773$418
25 years$2,212$1,686$1,269$944$696$364
26 years$2,104$1,585$1,177$863$627$318
27 years$2,005$1,491$1,093$790$565$277
28 years$1,912$1,405$1,016$724$510$242
29 years$1,826$1,326$945$664$460$211
30 years$1,747$1,252$880$609$416$185
31 years$1,672$1,184$821$559$376$162
32 years$1,602$1,120$766$514$340$141
33 years$1,537$1,061$715$473$308$124
34 years$1,475$1,005$668$435$279$108
35 years$1,417$953$625$400$252$95
36 years$1,363$905$584$369$229$83
37 years$1,311$859$547$340$207$73
38 years$1,263$817$512$313$188$64
39 years$1,217$777$480$289$170$56
40 years$1,173$739$450$266$155$49
41 years$1,132$703$422$246$140$43
42 years$1,092$670$396$227$127$37
43 years$1,055$638$371$209$115$33
44 years$1,019$608$348$193$105$29
45 years$986$580$327$179$95$25
46 years$953$553$307$165$86$22
47 years$922$528$289$152$78$19
48 years$893$504$271$141$71$17
49 years$865$482$255$130$65$15
50 years$838$460$240$120$59$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $858,000, adding $5,519 every year, while hoping to spend $25,049 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: 61/26/13 Blend
34$858,000$858,000$858,000$858,000
35$951,209$905,735$892,436$1,005,903
36$1,021,580$923,464$895,681$1,061,045
37$1,098,290$941,222$898,194$1,117,859
38$1,181,958$958,985$899,926$1,179,248
39$1,273,267$976,724$900,823$1,245,657
40$1,372,968$994,411$900,829$1,317,576
41$1,481,888$1,012,015$899,884$1,395,544
42$1,600,938$1,029,501$897,927$1,480,156
43$1,731,120$1,046,832$894,893$1,572,066
44$1,873,537$1,063,970$890,715$1,671,997
45$2,029,404$1,080,871$885,321$1,780,745
46$2,200,060$1,097,491$878,636$1,899,186
47$2,386,979$1,113,780$870,583$2,028,288
48$2,591,782$1,129,687$861,078$2,169,115
49$2,816,257$1,145,155$850,038$2,322,844
50$3,062,372$1,160,124$837,371$2,490,768
51$3,332,294$1,174,531$822,984$2,674,314
52$3,628,412$1,188,307$806,778$2,875,057
53$3,953,355$1,201,379$788,650$3,094,729
54$4,310,020$1,213,669$768,492$3,335,243
55$4,701,598$1,225,094$746,192$3,598,705
56$5,131,603$1,235,566$721,631$3,887,440
57$5,603,907$1,244,989$694,687$4,204,006
58$6,122,776$1,253,265$665,230$4,551,227
59$6,692,909$1,260,284$633,125$4,932,215
60$7,319,483$1,265,935$598,231$5,350,399
61$8,008,199$1,270,095$560,401$5,809,560
62$8,765,342$1,272,636$519,480$6,313,866
63$9,597,832$1,273,421$475,309$6,867,911
64$10,513,297$1,272,304$427,718$7,476,761
65$11,520,139$1,269,133$376,532$8,145,997
66$12,627,616$1,263,742$321,568$8,881,773
67$13,845,926$1,255,959$262,634$9,690,873
68$15,186,307$1,245,599$199,529$10,580,775
69$16,661,143$1,232,465$132,046$11,559,720
70$18,284,076$1,216,352$59,966$12,636,794
71$20,070,138$1,197,040$0$13,822,012
72$22,035,893$1,174,296$0$15,128,765
73$24,199,591$1,147,873$0$16,575,898
74$26,581,341$1,117,510$0$18,168,531
75$29,203,301$1,082,932$0$19,921,484
76$32,089,887$1,043,845$0$21,851,090
77$35,268,002$999,940$0$23,975,348
78$38,767,291$950,889$0$26,314,097
79$42,620,418$896,347$0$28,889,201
80$46,863,379$835,946$0$31,724,755
81$51,535,836$769,299$0$34,847,316
82$56,681,494$695,997$0$38,286,151
83$62,348,512$615,607$0$42,073,516
84$68,589,959$527,671$0$46,244,959
85$75,464,315$431,707$0$50,839,660
86$83,036,017$327,202$0$55,900,796
87$91,376,074$213,619$0$61,475,953
88$100,562,734$90,387$0$67,617,574
89$110,682,222$0$0$74,383,459
90$121,829,554$0$0$81,849,635
91$134,109,433$0$0$90,102,946
92$147,637,237$0$0$99,195,091
93$162,540,109$0$0$109,211,537
94$178,958,156$0$0$120,246,465
95$197,045,771$0$0$132,403,658
96$216,973,090$0$0$145,797,486
97$238,927,598$0$0$160,553,976
98$263,115,899$0$0$176,812,011
99$289,765,663$0$0$194,724,633
100$319,127,780$0$0$214,460,493