Can I retire at age 35 with 859,000?

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 $859,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$70,935$70,304$69,687$69,085$68,498$68,181
2 years$35,117$34,463$33,829$33,214$32,618$32,298
3 years$23,178$22,522$21,889$21,281$20,694$20,381
4 years$17,211$16,556$15,930$15,331$14,759$14,455
5 years$13,631$12,980$12,362$11,776$11,220$10,926
6 years$11,245$10,599$9,991$9,417$8,878$8,595
7 years$9,542$8,901$8,302$7,743$7,220$6,948
8 years$8,265$7,630$7,041$6,495$5,990$5,728
9 years$7,272$6,643$6,064$5,532$5,044$4,793
10 years$6,478$5,856$5,287$4,769$4,298$4,058
11 years$5,829$5,213$4,655$4,150$3,696$3,467
12 years$5,289$4,679$4,131$3,640$3,203$2,984
13 years$4,832$4,228$3,691$3,214$2,793$2,584
14 years$4,441$3,843$3,316$2,853$2,449$2,249
15 years$4,102$3,511$2,994$2,544$2,156$1,966
16 years$3,806$3,221$2,714$2,278$1,905$1,725
17 years$3,545$2,967$2,470$2,047$1,689$1,518
18 years$3,313$2,741$2,255$1,845$1,502$1,339
19 years$3,106$2,541$2,064$1,667$1,339$1,185
20 years$2,919$2,361$1,894$1,510$1,196$1,050
21 years$2,751$2,199$1,742$1,370$1,070$932
22 years$2,598$2,053$1,606$1,246$959$829
23 years$2,459$1,920$1,483$1,135$861$738
24 years$2,332$1,799$1,371$1,035$774$658
25 years$2,215$1,688$1,270$945$696$587
26 years$2,107$1,587$1,178$864$627$524
27 years$2,007$1,493$1,094$791$566$469
28 years$1,915$1,407$1,017$725$510$419
29 years$1,829$1,327$946$665$461$375
30 years$1,749$1,254$881$610$416$336
31 years$1,674$1,185$822$560$376$301
32 years$1,604$1,121$767$515$341$270
33 years$1,538$1,062$716$473$308$242
34 years$1,477$1,006$669$436$279$217
35 years$1,419$955$625$401$253$195
36 years$1,364$906$585$369$229$175
37 years$1,313$860$548$340$208$157
38 years$1,264$818$513$314$188$141
39 years$1,218$778$480$289$171$127
40 years$1,174$740$450$267$155$114
41 years$1,133$704$422$246$140$102
42 years$1,094$671$396$227$127$92
43 years$1,056$639$372$210$116$83
44 years$1,021$609$349$194$105$74
45 years$987$581$328$179$95$67
46 years$954$554$308$165$87$60
47 years$923$529$289$153$79$54
48 years$894$505$272$141$71$49
49 years$866$482$255$130$65$44
50 years$839$461$240$120$59$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $859,000, adding $2,781 every year, while hoping to spend $38,310 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: 80/14/6 Blend
34$859,000$859,000$859,000$859,000
35$949,487$903,960$890,645$1,024,792
36$1,005,573$907,492$879,720$1,078,026
37$1,066,096$909,914$867,145$1,131,075
38$1,131,467$911,129$852,825$1,188,117
39$1,202,141$911,039$836,658$1,249,531
40$1,278,614$909,534$818,541$1,315,733
41$1,361,434$906,503$798,363$1,387,182
42$1,451,202$901,823$776,010$1,464,383
43$1,548,579$895,367$751,362$1,547,895
44$1,654,294$887,000$724,292$1,638,330
45$1,769,147$876,578$694,670$1,736,365
46$1,894,017$863,947$662,358$1,842,746
47$2,029,872$848,946$627,213$1,958,292
48$2,177,779$831,404$589,085$2,083,910
49$2,338,910$811,140$547,816$2,220,596
50$2,514,554$787,962$503,244$2,369,450
51$2,706,132$761,665$455,196$2,531,683
52$2,915,206$732,036$403,494$2,708,630
53$3,143,497$698,845$347,951$2,901,764
54$3,392,898$661,853$288,371$3,112,705
55$3,665,494$620,804$224,552$3,343,243
56$3,963,581$575,430$156,281$3,595,348
57$4,289,684$525,444$83,335$3,871,193
58$4,646,588$470,547$5,482$4,173,172
59$5,037,355$410,419$0$4,503,925
60$5,465,360$344,724$0$4,871,330
61$5,934,319$273,108$0$5,274,324
62$6,448,324$195,195$0$5,716,107
63$7,011,882$110,588$0$6,200,596
64$7,629,956$18,868$0$6,732,104
65$8,308,013$0$0$7,315,388
66$9,052,076$0$0$7,968,073
67$9,868,779$0$0$8,687,693
68$10,765,426$0$0$9,477,779
69$11,750,068$0$0$10,345,429
70$12,831,569$0$0$11,298,458
71$14,019,699$0$0$12,345,477
72$15,325,216$0$0$13,495,970
73$16,759,974$0$0$14,760,389
74$18,337,032$0$0$16,150,244
75$20,070,778$0$0$17,678,221
76$21,977,062$0$0$19,358,291
77$24,073,347$0$0$21,205,851
78$26,378,875$0$0$23,237,861
79$28,914,842$0$0$25,473,011
80$31,704,606$0$0$27,931,890
81$34,773,900$0$0$30,637,185
82$38,151,078$0$0$33,613,891
83$41,867,380$0$0$36,889,550
84$45,957,230$0$0$40,494,508
85$50,458,555$0$0$44,462,202
86$55,413,145$0$0$48,829,475
87$60,867,051$0$0$53,636,921
88$66,871,010$0$0$58,929,272
89$73,480,932$0$0$64,755,816
90$80,758,422$0$0$71,170,865
91$88,771,362$0$0$78,234,262
92$97,594,554$0$0$86,011,951
93$107,310,419$0$0$94,576,594
94$118,009,781$0$0$104,008,261
95$129,792,719$0$0$114,395,180
96$142,769,514$0$0$125,834,575
97$157,061,687$0$0$138,433,578
98$172,803,147$0$0$152,310,241
99$190,141,452$0$0$167,594,651
100$209,239,205$0$0$184,430,157