Can I retire at age 35 with 860,000?

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 $860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$71,018$70,385$69,768$69,166$68,578$66,784
2 years$35,157$34,503$33,868$33,253$32,656$30,862
3 years$23,205$22,548$21,915$21,305$20,718$18,979
4 years$17,231$16,575$15,948$15,349$14,776$13,105
5 years$13,647$12,995$12,377$11,790$11,233$9,635
6 years$11,258$10,611$10,002$9,428$8,888$7,364
7 years$9,553$8,911$8,312$7,752$7,228$5,779
8 years$8,274$7,639$7,049$6,503$5,997$4,621
9 years$7,280$6,651$6,071$5,539$5,050$3,748
10 years$6,486$5,862$5,293$4,774$4,303$3,071
11 years$5,836$5,219$4,660$4,155$3,701$2,538
12 years$5,295$4,684$4,136$3,645$3,207$2,112
13 years$4,838$4,233$3,695$3,218$2,796$1,766
14 years$4,446$3,848$3,320$2,856$2,451$1,484
15 years$4,107$3,515$2,997$2,547$2,158$1,251
16 years$3,810$3,225$2,718$2,281$1,908$1,058
17 years$3,549$2,970$2,473$2,049$1,691$896
18 years$3,317$2,745$2,257$1,847$1,504$761
19 years$3,109$2,544$2,067$1,669$1,340$648
20 years$2,923$2,364$1,897$1,511$1,197$552
21 years$2,754$2,202$1,745$1,372$1,071$471
22 years$2,601$2,055$1,608$1,247$960$402
23 years$2,462$1,922$1,485$1,136$862$344
24 years$2,334$1,801$1,373$1,036$775$294
25 years$2,217$1,690$1,272$946$697$252
26 years$2,109$1,588$1,179$865$628$215
27 years$2,009$1,495$1,095$792$566$185
28 years$1,917$1,409$1,018$725$511$158
29 years$1,831$1,329$947$665$461$136
30 years$1,751$1,255$882$611$417$116
31 years$1,676$1,186$823$561$377$100
32 years$1,606$1,123$768$515$341$86
33 years$1,540$1,063$717$474$309$73
34 years$1,479$1,008$670$436$279$63
35 years$1,421$956$626$401$253$54
36 years$1,366$907$586$370$229$46
37 years$1,314$861$548$341$208$40
38 years$1,266$819$513$314$188$34
39 years$1,219$779$481$289$171$29
40 years$1,176$741$451$267$155$25
41 years$1,134$705$423$246$141$22
42 years$1,095$671$397$227$128$19
43 years$1,057$640$372$210$116$16
44 years$1,022$610$349$194$105$14
45 years$988$582$328$179$95$12
46 years$955$555$308$165$87$10
47 years$925$529$289$153$79$9
48 years$895$505$272$141$71$7
49 years$867$483$256$130$65$6
50 years$840$461$240$121$59$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $860,000, adding $3,217 every year, while hoping to spend $54,567 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: 46/46/8 Blend
34$860,000$860,000$860,000$860,000
35$951,038$905,458$892,128$992,542
36$989,985$891,767$863,956$1,007,777
37$1,031,076$875,576$833,011$1,018,367
38$1,074,472$856,705$799,142$1,028,595
39$1,120,348$834,963$762,193$1,038,445
40$1,168,896$810,149$722,000$1,047,903
41$1,220,326$782,049$678,389$1,056,958
42$1,274,866$750,436$631,182$1,065,601
43$1,332,766$715,071$580,190$1,073,830
44$1,394,299$675,701$525,218$1,081,644
45$1,459,766$632,058$466,061$1,089,049
46$1,529,492$583,859$402,503$1,096,056
47$1,603,836$530,804$334,323$1,102,684
48$1,683,191$472,577$261,287$1,108,961
49$1,767,987$408,844$183,150$1,114,922
50$1,858,695$339,250$99,659$1,120,617
51$1,955,831$263,424$10,548$1,126,104
52$2,059,964$180,969$0$1,131,458
53$2,171,714$91,471$0$1,143,987
54$2,291,764$0$0$1,158,012
55$2,420,864$0$0$1,175,578
56$2,559,834$0$0$1,244,399
57$2,709,579$0$0$1,318,631
58$2,871,090$0$0$1,398,775
59$3,045,457$0$0$1,485,381
60$3,233,877$0$0$1,579,054
61$3,437,666$0$0$1,680,461
62$3,658,270$0$0$1,790,331
63$3,897,280$0$0$1,909,471
64$4,156,444$0$0$2,038,762
65$4,437,684$0$0$2,179,180
66$4,743,115$0$0$2,331,792
67$5,075,063$0$0$2,497,776
68$5,436,086$0$0$2,678,428
69$5,828,999$0$0$2,875,171
70$6,256,900$0$0$3,089,573
71$6,723,198$0$0$3,323,360
72$7,231,643$0$0$3,578,431
73$7,786,364$0$0$3,856,876
74$8,391,904$0$0$4,160,995
75$9,053,267$0$0$4,493,323
76$9,775,958$0$0$4,856,647
77$10,566,041$0$0$5,254,038
78$11,430,189$0$0$5,688,876
79$12,375,753$0$0$6,164,883
80$13,410,824$0$0$6,686,160
81$14,544,314$0$0$7,257,219
82$15,786,036$0$0$7,883,031
83$17,146,796$0$0$8,569,072
84$18,638,498$0$0$9,321,372
85$20,274,249$0$0$10,146,571
86$22,068,488$0$0$11,051,985
87$24,037,116$0$0$12,045,670
88$26,197,650$0$0$13,136,502
89$28,569,384$0$0$14,334,258
90$31,173,572$0$0$15,649,707
91$34,033,625$0$0$17,094,711
92$37,175,334$0$0$18,682,342
93$40,627,112$0$0$20,426,996
94$44,420,258$0$0$22,344,535
95$48,589,253$0$0$24,452,433
96$53,172,088$0$0$26,769,943
97$58,210,613$0$0$29,318,275
98$63,750,940$0$0$32,120,797
99$69,843,870$0$0$35,203,256
100$76,545,374$0$0$38,594,020