Can I retire at age 35 with 861,000?

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 $861,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$71,101$70,467$69,849$69,246$68,657$66,700
2 years$35,198$34,543$33,907$33,291$32,694$30,737
3 years$23,232$22,574$21,940$21,330$20,742$18,848
4 years$17,251$16,594$15,967$15,367$14,794$12,975
5 years$13,663$13,010$12,391$11,803$11,246$9,509
6 years$11,271$10,624$10,014$9,439$8,898$7,245
7 years$9,564$8,922$8,322$7,761$7,237$5,666
8 years$8,284$7,648$7,057$6,510$6,004$4,515
9 years$7,289$6,659$6,078$5,545$5,056$3,648
10 years$6,493$5,869$5,299$4,780$4,308$2,979
11 years$5,843$5,225$4,665$4,160$3,705$2,452
12 years$5,301$4,690$4,140$3,649$3,211$2,032
13 years$4,843$4,238$3,699$3,221$2,800$1,693
14 years$4,451$3,852$3,324$2,860$2,454$1,416
15 years$4,111$3,519$3,001$2,550$2,161$1,189
16 years$3,815$3,229$2,721$2,284$1,910$1,001
17 years$3,553$2,974$2,476$2,052$1,693$845
18 years$3,321$2,748$2,260$1,849$1,506$714
19 years$3,113$2,547$2,069$1,671$1,342$605
20 years$2,926$2,366$1,899$1,513$1,199$513
21 years$2,758$2,204$1,747$1,373$1,073$436
22 years$2,605$2,058$1,610$1,249$962$370
23 years$2,465$1,924$1,486$1,137$863$315
24 years$2,337$1,803$1,375$1,037$776$268
25 years$2,220$1,692$1,273$947$698$228
26 years$2,112$1,590$1,181$866$629$195
27 years$2,012$1,497$1,096$793$567$166
28 years$1,919$1,410$1,019$726$512$142
29 years$1,833$1,330$949$666$462$121
30 years$1,753$1,256$884$611$417$103
31 years$1,678$1,188$824$561$377$88
32 years$1,608$1,124$769$516$341$75
33 years$1,542$1,064$718$474$309$64
34 years$1,480$1,009$670$437$280$55
35 years$1,422$957$627$402$253$47
36 years$1,367$908$586$370$230$40
37 years$1,316$862$549$341$208$34
38 years$1,267$820$514$314$189$29
39 years$1,221$779$482$290$171$25
40 years$1,177$742$451$267$155$21
41 years$1,136$706$423$247$141$18
42 years$1,096$672$397$228$128$16
43 years$1,059$641$373$210$116$13
44 years$1,023$611$350$194$105$11
45 years$989$582$328$179$96$10
46 years$957$555$308$165$87$8
47 years$926$530$290$153$79$7
48 years$896$506$272$141$72$6
49 years$868$483$256$131$65$5
50 years$841$462$241$121$59$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $861,000, adding $5,597 every year, while hoping to spend $50,390 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: 55/40/5 Blend
34$861,000$861,000$861,000$861,000
35$954,595$908,962$895,617$1,005,815
36$998,349$899,887$872,005$1,031,901
37$1,044,878$888,678$845,914$1,054,181
38$1,094,410$875,178$817,207$1,077,189
39$1,147,197$859,219$785,741$1,101,001
40$1,203,515$840,625$751,367$1,125,700
41$1,263,666$819,207$713,930$1,151,384
42$1,327,980$794,769$673,267$1,178,161
43$1,396,819$767,098$629,207$1,206,155
44$1,470,582$735,973$581,573$1,235,504
45$1,549,705$701,159$530,178$1,266,363
46$1,634,665$662,406$474,829$1,298,909
47$1,725,988$619,451$415,324$1,333,340
48$1,824,251$572,016$351,449$1,369,876
49$1,930,086$519,806$282,984$1,408,767
50$2,044,188$462,511$209,698$1,450,292
51$2,167,322$399,800$131,349$1,494,764
52$2,300,327$331,328$47,687$1,542,532
53$2,444,124$256,727$0$1,593,987
54$2,599,727$175,609$0$1,651,788
55$2,768,250$87,565$0$1,717,062
56$2,950,918$0$0$1,787,824
57$3,149,077$0$0$1,868,149
58$3,364,210$0$0$1,997,265
59$3,597,945$0$0$2,137,616
60$3,852,074$0$0$2,290,286
61$4,128,569$0$0$2,456,469
62$4,429,600$0$0$2,637,480
63$4,757,553$0$0$2,834,762
64$5,115,055$0$0$3,049,907
65$5,504,999$0$0$3,284,667
66$5,930,565$0$0$3,540,967
67$6,395,256$0$0$3,820,930
68$6,902,929$0$0$4,126,890
69$7,457,828$0$0$4,461,420
70$8,064,627$0$0$4,827,350
71$8,728,472$0$0$5,227,796
72$9,455,028$0$0$5,666,193
73$10,250,536$0$0$6,146,318
74$11,121,864$0$0$6,672,334
75$12,076,580$0$0$7,248,825
76$13,123,015$0$0$7,880,840
77$14,270,348$0$0$8,573,939
78$15,528,686$0$0$9,334,244
79$16,909,161$0$0$10,168,503
80$18,424,035$0$0$11,084,144
81$20,086,817$0$0$12,089,352
82$21,912,383$0$0$13,193,142
83$23,917,123$0$0$14,405,444
84$26,119,092$0$0$15,737,200
85$28,538,178$0$0$17,200,460
86$31,196,291$0$0$18,808,502
87$34,117,569$0$0$20,575,952
88$37,328,604$0$0$22,518,925
89$40,858,692$0$0$24,655,174
90$44,740,111$0$0$27,004,260
91$49,008,420$0$0$29,587,731
92$53,702,798$0$0$32,429,331
93$58,866,411$0$0$35,555,219
94$64,546,820$0$0$38,994,218
95$70,796,426$0$0$42,778,084
96$77,672,965$0$0$46,941,808
97$85,240,053$0$0$51,523,943
98$93,567,784$0$0$56,566,969
99$102,733,391$0$0$62,117,693
100$112,821,973$0$0$68,227,689