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%18.8%
1 years$70,853$70,222$69,606$69,005$68,418$65,991
2 years$35,076$34,422$33,789$33,175$32,580$30,160
3 years$23,151$22,495$21,864$21,256$20,670$18,334
4 years$17,191$16,537$15,911$15,314$14,742$12,508
5 years$13,615$12,965$12,348$11,762$11,207$9,080
6 years$11,232$10,587$9,979$9,406$8,867$6,850
7 years$9,531$8,891$8,293$7,734$7,212$5,302
8 years$8,255$7,621$7,033$6,487$5,983$4,181
9 years$7,264$6,635$6,057$5,526$5,038$3,341
10 years$6,471$5,849$5,281$4,763$4,293$2,697
11 years$5,823$5,207$4,649$4,146$3,692$2,195
12 years$5,283$4,673$4,126$3,636$3,199$1,797
13 years$4,826$4,223$3,686$3,210$2,790$1,479
14 years$4,436$3,839$3,312$2,850$2,446$1,222
15 years$4,097$3,507$2,990$2,541$2,153$1,013
16 years$3,801$3,218$2,711$2,276$1,903$842
17 years$3,541$2,963$2,467$2,045$1,687$701
18 years$3,309$2,738$2,252$1,843$1,500$585
19 years$3,102$2,538$2,062$1,665$1,337$489
20 years$2,916$2,358$1,892$1,508$1,195$409
21 years$2,748$2,197$1,740$1,369$1,069$342
22 years$2,595$2,050$1,604$1,244$958$287
23 years$2,456$1,918$1,481$1,133$860$241
24 years$2,329$1,797$1,370$1,034$773$202
25 years$2,212$1,686$1,269$944$696$169
26 years$2,104$1,585$1,177$863$627$142
27 years$2,005$1,491$1,093$790$565$120
28 years$1,912$1,405$1,016$724$510$101
29 years$1,826$1,326$945$664$460$85
30 years$1,747$1,252$880$609$416$71
31 years$1,672$1,184$821$559$376$60
32 years$1,602$1,120$766$514$340$50
33 years$1,537$1,061$715$473$308$42
34 years$1,475$1,005$668$435$279$36
35 years$1,417$953$625$400$252$30
36 years$1,363$905$584$369$229$25
37 years$1,311$859$547$340$207$21
38 years$1,263$817$512$313$188$18
39 years$1,217$777$480$289$170$15
40 years$1,173$739$450$266$155$13
41 years$1,132$703$422$246$140$11
42 years$1,092$670$396$227$127$9
43 years$1,055$638$371$209$115$8
44 years$1,019$608$348$193$105$6
45 years$986$580$327$179$95$5
46 years$953$553$307$165$86$4
47 years$922$528$289$152$78$4
48 years$893$504$271$141$71$3
49 years$865$482$255$130$65$3
50 years$838$460$240$120$59$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $858,000, adding $2,773 every year, while hoping to spend $33,256 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: 58/29/13 Blend
34$858,000$858,000$858,000$858,000
35$948,376$902,902$889,603$1,000,136
36$1,009,727$911,760$884,021$1,044,266
37$1,076,220$919,938$877,137$1,088,416
38$1,148,346$927,366$868,873$1,135,755
39$1,226,643$933,973$859,145$1,186,594
40$1,311,703$939,680$847,869$1,241,277
41$1,404,177$944,405$834,953$1,300,183
42$1,504,782$948,060$820,303$1,363,730
43$1,614,306$950,551$803,820$1,432,381
44$1,733,617$951,780$785,399$1,506,647
45$1,863,669$951,640$764,933$1,587,090
46$2,005,513$950,020$742,308$1,674,332
47$2,160,305$946,801$717,405$1,769,062
48$2,329,318$941,856$690,100$1,872,038
49$2,513,953$935,052$660,263$1,984,096
50$2,715,753$926,246$627,759$2,106,162
51$2,936,416$915,288$592,445$2,239,257
52$3,177,812$902,018$554,173$2,384,507
53$3,441,999$886,268$512,788$2,543,155
54$3,731,246$867,857$468,129$2,716,576
55$4,048,047$846,596$420,026$2,906,283
56$4,395,153$822,284$368,301$3,113,950
57$4,775,590$794,709$312,772$3,341,422
58$5,192,695$763,644$253,244$3,590,737
59$5,650,140$728,852$189,517$3,864,143
60$6,151,969$690,081$121,381$4,164,119
61$6,702,638$647,063$48,616$4,493,405
62$7,307,055$599,518$0$4,855,019
63$7,970,627$547,146$0$5,256,324
64$8,699,308$489,633$0$5,704,425
65$9,499,658$426,645$0$6,196,665
66$10,378,904$357,832$0$6,737,555
67$11,345,006$282,820$0$7,332,070
68$12,406,737$201,218$0$7,985,696
69$13,573,756$112,610$0$8,704,483
70$14,856,710$16,559$0$9,495,100
71$16,267,326$0$0$10,364,903
72$17,818,524$0$0$11,349,892
73$19,524,540$0$0$12,439,081
74$21,401,059$0$0$13,637,210
75$23,465,360$0$0$14,955,322
76$25,736,484$0$0$16,405,585
77$28,235,409$0$0$18,001,408
78$30,985,250$0$0$19,757,561
79$34,011,473$0$0$21,690,322
80$37,342,142$0$0$23,817,626
81$41,008,176$0$0$26,159,235
82$45,043,645$0$0$28,736,921
83$49,486,090$0$0$31,574,680
84$54,376,877$0$0$34,698,947
85$59,761,584$0$0$38,138,854
86$65,690,438$0$0$41,926,502
87$72,218,779$0$0$46,097,260
88$79,407,590$0$0$50,690,105
89$87,324,069$0$0$55,747,984
90$96,042,261$0$0$61,318,222
91$105,643,759$0$0$67,452,969
92$116,218,474$0$0$74,209,689
93$127,865,479$0$0$81,651,705
94$140,693,950$0$0$89,848,795
95$154,824,190$0$0$98,877,849
96$170,388,767$0$0$108,823,597
97$187,533,766$0$0$119,779,408
98$206,420,162$0$0$131,848,170
99$227,225,346$0$0$145,143,261
100$250,144,795$0$0$159,789,617