Can I retire at age 35 with 864,000?

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 $864,000?

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 years$71,348$70,713$70,093$69,488$68,897$68,606
2 years$35,321$34,663$34,026$33,407$32,808$32,515
3 years$23,313$22,653$22,017$21,404$20,815$20,528
4 years$17,311$16,652$16,023$15,421$14,845$14,567
5 years$13,710$13,055$12,434$11,845$11,285$11,016
6 years$11,311$10,661$10,049$9,472$8,930$8,670
7 years$9,597$8,953$8,350$7,788$7,262$7,013
8 years$8,313$7,674$7,082$6,533$6,025$5,785
9 years$7,314$6,682$6,100$5,565$5,074$4,844
10 years$6,516$5,890$5,318$4,797$4,323$4,103
11 years$5,863$5,243$4,682$4,175$3,718$3,507
12 years$5,320$4,706$4,155$3,662$3,222$3,021
13 years$4,860$4,253$3,712$3,233$2,810$2,617
14 years$4,467$3,866$3,335$2,870$2,463$2,280
15 years$4,126$3,531$3,011$2,559$2,168$1,994
16 years$3,828$3,240$2,730$2,291$1,916$1,751
17 years$3,565$2,984$2,484$2,059$1,699$1,542
18 years$3,332$2,757$2,268$1,855$1,511$1,361
19 years$3,124$2,555$2,076$1,677$1,347$1,205
20 years$2,936$2,375$1,905$1,518$1,203$1,069
21 years$2,767$2,212$1,753$1,378$1,076$949
22 years$2,614$2,065$1,615$1,253$965$845
23 years$2,474$1,931$1,491$1,141$866$753
24 years$2,345$1,809$1,379$1,041$779$671
25 years$2,228$1,698$1,278$951$701$600
26 years$2,119$1,596$1,185$869$631$536
27 years$2,019$1,502$1,100$795$569$480
28 years$1,926$1,415$1,023$729$513$429
29 years$1,839$1,335$952$668$464$385
30 years$1,759$1,261$887$613$419$345
31 years$1,684$1,192$827$563$379$309
32 years$1,613$1,128$771$518$343$277
33 years$1,547$1,068$720$476$310$249
34 years$1,485$1,012$673$438$281$224
35 years$1,427$960$629$403$254$201
36 years$1,372$911$588$371$230$180
37 years$1,320$865$551$342$209$162
38 years$1,271$823$516$315$189$146
39 years$1,225$782$483$291$172$131
40 years$1,181$744$453$268$156$118
41 years$1,140$708$425$247$141$106
42 years$1,100$675$398$228$128$95
43 years$1,062$643$374$211$116$86
44 years$1,027$613$351$195$106$77
45 years$992$584$329$180$96$70
46 years$960$557$309$166$87$63
47 years$929$532$291$153$79$56
48 years$899$508$273$142$72$51
49 years$871$485$257$131$65$46
50 years$844$463$241$121$59$41

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $864,000, adding $4,204 every year, while hoping to spend $50,394 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: 55/39/6 Blend
34$864,000$864,000$864,000$864,000
35$956,464$910,672$897,280$1,007,584
36$1,000,405$901,677$873,720$1,033,550
37$1,047,138$890,551$847,682$1,055,840
38$1,096,897$877,138$819,030$1,078,868
39$1,149,933$861,271$787,620$1,102,713
40$1,206,525$842,772$753,305$1,127,461
41$1,266,978$821,455$715,927$1,153,210
42$1,331,625$797,121$675,326$1,180,072
43$1,400,831$769,560$631,330$1,208,172
44$1,474,997$738,551$583,761$1,237,650
45$1,554,564$703,857$532,434$1,268,666
46$1,640,014$665,231$477,155$1,301,400
47$1,731,877$622,408$417,721$1,336,051
48$1,830,734$575,112$353,921$1,372,846
49$1,937,224$523,047$285,532$1,412,038
50$2,052,049$465,904$212,325$1,453,911
51$2,175,978$403,354$134,058$1,498,782
52$2,309,858$335,049$50,479$1,547,008
53$2,454,620$260,622$0$1,598,985
54$2,611,286$179,688$0$1,657,638
55$2,780,981$91,835$0$1,724,593
56$2,964,939$0$0$1,797,189
57$3,164,521$0$0$1,877,506
58$3,381,220$0$0$2,007,572
59$3,616,681$0$0$2,148,969
60$3,872,713$0$0$2,302,792
61$4,151,304$0$0$2,470,245
62$4,454,644$0$0$2,652,655
63$4,785,142$0$0$2,851,480
64$5,145,448$0$0$3,068,324
65$5,538,481$0$0$3,304,956
66$5,967,451$0$0$3,563,320
67$6,435,894$0$0$3,845,556
68$6,947,701$0$0$4,154,022
69$7,507,155$0$0$4,491,312
70$8,118,973$0$0$4,860,284
71$8,788,348$0$0$5,264,082
72$9,520,999$0$0$5,706,172
73$10,323,222$0$0$6,190,368
74$11,201,951$0$0$6,720,869
75$12,164,821$0$0$7,302,303
76$13,220,242$0$0$7,939,764
77$14,377,477$0$0$8,638,864
78$15,646,726$0$0$9,405,783
79$17,039,225$0$0$10,247,329
80$18,567,350$0$0$11,171,000
81$20,244,732$0$0$12,185,058
82$22,086,388$0$0$13,298,599
83$24,108,859$0$0$14,521,648
84$26,330,365$0$0$15,865,245
85$28,770,982$0$0$17,341,555
86$31,452,821$0$0$18,963,976
87$34,400,244$0$0$20,747,273
88$37,640,091$0$0$22,707,708
89$41,201,929$0$0$24,863,201
90$45,118,334$0$0$27,233,492
91$49,425,199$0$0$29,840,331
92$54,162,064$0$0$32,707,682
93$59,372,498$0$0$35,861,948
94$65,104,502$0$0$39,332,218
95$71,410,964$0$0$43,150,545
96$78,350,159$0$0$47,352,244
97$85,986,292$0$0$51,976,228
98$94,390,111$0$0$57,065,370
99$103,639,565$0$0$62,666,913
100$113,820,546$0$0$68,832,911