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%19%
1 years$71,348$70,713$70,093$69,488$68,897$66,399
2 years$35,321$34,663$34,026$33,407$32,808$30,319
3 years$23,313$22,653$22,017$21,404$20,815$18,413
4 years$17,311$16,652$16,023$15,421$14,845$12,549
5 years$13,710$13,055$12,434$11,845$11,285$9,100
6 years$11,311$10,661$10,049$9,472$8,930$6,857
7 years$9,597$8,953$8,350$7,788$7,262$5,302
8 years$8,313$7,674$7,082$6,533$6,025$4,176
9 years$7,314$6,682$6,100$5,565$5,074$3,333
10 years$6,516$5,890$5,318$4,797$4,323$2,687
11 years$5,863$5,243$4,682$4,175$3,718$2,184
12 years$5,320$4,706$4,155$3,662$3,222$1,786
13 years$4,860$4,253$3,712$3,233$2,810$1,468
14 years$4,467$3,866$3,335$2,870$2,463$1,211
15 years$4,126$3,531$3,011$2,559$2,168$1,002
16 years$3,828$3,240$2,730$2,291$1,916$832
17 years$3,565$2,984$2,484$2,059$1,699$692
18 years$3,332$2,757$2,268$1,855$1,511$576
19 years$3,124$2,555$2,076$1,677$1,347$481
20 years$2,936$2,375$1,905$1,518$1,203$401
21 years$2,767$2,212$1,753$1,378$1,076$336
22 years$2,614$2,065$1,615$1,253$965$281
23 years$2,474$1,931$1,491$1,141$866$235
24 years$2,345$1,809$1,379$1,041$779$197
25 years$2,228$1,698$1,278$951$701$165
26 years$2,119$1,596$1,185$869$631$138
27 years$2,019$1,502$1,100$795$569$116
28 years$1,926$1,415$1,023$729$513$97
29 years$1,839$1,335$952$668$464$82
30 years$1,759$1,261$887$613$419$69
31 years$1,684$1,192$827$563$379$58
32 years$1,613$1,128$771$518$343$48
33 years$1,547$1,068$720$476$310$41
34 years$1,485$1,012$673$438$281$34
35 years$1,427$960$629$403$254$29
36 years$1,372$911$588$371$230$24
37 years$1,320$865$551$342$209$20
38 years$1,271$823$516$315$189$17
39 years$1,225$782$483$291$172$14
40 years$1,181$744$453$268$156$12
41 years$1,140$708$425$247$141$10
42 years$1,100$675$398$228$128$8
43 years$1,062$643$374$211$116$7
44 years$1,027$613$351$195$106$6
45 years$992$584$329$180$96$5
46 years$960$557$309$166$87$4
47 years$929$532$291$153$79$4
48 years$899$508$273$142$72$3
49 years$871$485$257$131$65$3
50 years$844$463$241$121$59$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $864,000, adding $5,582 every year, while hoping to spend $44,713 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: 65/16/19 Blend
34$864,000$864,000$864,000$864,000
35$957,886$912,094$898,702$1,015,230
36$1,008,016$909,212$881,234$1,051,517
37$1,061,761$904,691$861,683$1,085,537
38$1,119,442$898,402$839,930$1,121,652
39$1,181,411$890,210$815,855$1,160,067
40$1,248,058$879,973$789,328$1,201,010
41$1,319,805$867,537$760,216$1,244,736
42$1,397,121$852,742$728,379$1,291,523
43$1,480,518$835,417$693,670$1,341,682
44$1,570,559$815,381$655,937$1,395,557
45$1,667,864$792,443$615,019$1,453,526
46$1,773,113$766,399$570,749$1,516,011
47$1,887,054$737,036$522,952$1,583,478
48$2,010,509$704,127$471,447$1,656,441
49$2,144,382$667,430$416,041$1,735,470
50$2,289,668$626,693$356,537$1,821,197
51$2,447,459$581,646$292,726$1,914,318
52$2,618,959$532,005$224,391$2,015,605
53$2,805,490$477,471$151,306$2,125,911
54$3,008,508$417,725$73,233$2,246,179
55$3,229,615$352,433$0$2,377,452
56$3,470,574$281,240$0$2,522,926
57$3,733,324$203,772$0$2,697,809
58$4,020,000$119,634$0$2,888,700
59$4,332,952$28,409$0$3,097,213
60$4,674,768$0$0$3,325,126
61$5,048,293$0$0$3,586,786
62$5,456,664$0$0$3,878,379
63$5,903,333$0$0$4,197,376
64$6,392,100$0$0$4,546,497
65$6,927,149$0$0$4,928,740
66$7,513,090$0$0$5,347,404
67$8,154,997$0$0$5,806,124
68$8,858,460$0$0$6,308,902
69$9,629,632$0$0$6,860,146
70$10,475,294$0$0$7,464,710
71$11,402,911$0$0$8,127,942
72$12,420,708$0$0$8,855,732
73$13,537,744$0$0$9,654,566
74$14,763,996$0$0$10,531,591
75$16,110,456$0$0$11,494,679
76$17,589,232$0$0$12,552,501
77$19,213,661$0$0$13,714,609
78$20,998,438$0$0$14,991,529
79$22,959,748$0$0$16,394,851
80$25,115,426$0$0$17,937,350
81$27,485,117$0$0$19,633,096
82$30,090,466$0$0$21,497,590
83$32,955,319$0$0$23,547,914
84$36,105,950$0$0$25,802,884
85$39,571,304$0$0$28,283,234
86$43,383,275$0$0$31,011,805
87$47,577,001$0$0$34,013,766
88$52,191,199$0$0$37,316,849
89$57,268,527$0$0$40,951,607
90$62,855,989$0$0$44,951,705
91$69,005,373$0$0$49,354,240
92$75,773,743$0$0$54,200,083
93$83,223,977$0$0$59,534,271
94$91,425,356$0$0$65,406,428
95$100,454,220$0$0$71,871,235
96$110,394,688$0$0$78,988,942
97$121,339,449$0$0$86,825,941
98$133,390,638$0$0$95,455,388
99$146,660,796$0$0$104,957,894
100$161,273,937$0$0$115,422,287