Can I retire at age 35 with 866,000?

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 $866,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$71,513$70,876$70,255$69,648$69,056$67,441
2 years$35,403$34,743$34,104$33,485$32,884$31,266
3 years$23,367$22,705$22,068$21,454$20,863$19,293
4 years$17,351$16,691$16,060$15,456$14,880$13,369
5 years$13,742$13,086$12,463$11,872$11,311$9,865
6 years$11,337$10,685$10,072$9,494$8,950$7,569
7 years$9,619$8,974$8,370$7,806$7,279$5,964
8 years$8,332$7,692$7,098$6,548$6,039$4,788
9 years$7,331$6,697$6,114$5,577$5,085$3,899
10 years$6,531$5,903$5,330$4,808$4,333$3,210
11 years$5,877$5,255$4,693$4,184$3,726$2,665
12 years$5,332$4,717$4,165$3,670$3,229$2,227
13 years$4,871$4,263$3,721$3,240$2,816$1,871
14 years$4,477$3,875$3,343$2,876$2,468$1,580
15 years$4,135$3,540$3,018$2,565$2,173$1,338
16 years$3,837$3,248$2,737$2,297$1,921$1,137
17 years$3,574$2,991$2,490$2,064$1,703$969
18 years$3,340$2,764$2,273$1,860$1,514$827
19 years$3,131$2,561$2,081$1,680$1,350$707
20 years$2,943$2,380$1,910$1,522$1,206$606
21 years$2,774$2,217$1,757$1,381$1,079$520
22 years$2,620$2,070$1,619$1,256$967$446
23 years$2,479$1,936$1,495$1,144$868$383
24 years$2,351$1,814$1,383$1,043$780$330
25 years$2,233$1,702$1,281$953$702$284
26 years$2,124$1,599$1,188$871$632$244
27 years$2,023$1,505$1,103$797$570$211
28 years$1,930$1,418$1,025$731$515$181
29 years$1,843$1,338$954$670$465$157
30 years$1,763$1,264$889$615$420$135
31 years$1,687$1,195$828$565$380$116
32 years$1,617$1,130$773$519$343$101
33 years$1,551$1,070$722$477$311$87
34 years$1,489$1,015$674$439$281$75
35 years$1,430$962$630$404$255$65
36 years$1,375$913$590$372$231$56
37 years$1,323$867$552$343$209$48
38 years$1,274$824$517$316$190$42
39 years$1,228$784$484$291$172$36
40 years$1,184$746$454$269$156$31
41 years$1,142$710$426$248$142$27
42 years$1,103$676$399$229$128$23
43 years$1,065$644$375$211$117$20
44 years$1,029$614$352$195$106$17
45 years$995$586$330$180$96$15
46 years$962$559$310$166$87$13
47 years$931$533$291$154$79$11
48 years$901$509$274$142$72$10
49 years$873$486$257$131$65$8
50 years$846$464$242$121$59$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $866,000, adding $4,590 every year, while hoping to spend $22,351 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: 55/24/21 Blend
34$866,000$866,000$866,000$866,000
35$959,067$913,169$899,746$1,006,111
36$1,033,110$934,133$906,106$1,059,783
37$1,113,957$955,375$911,930$1,115,452
38$1,202,277$976,885$917,176$1,175,595
39$1,298,810$998,652$921,802$1,240,647
40$1,404,366$1,020,664$925,760$1,311,087
41$1,519,841$1,042,906$929,002$1,387,443
42$1,646,219$1,065,363$931,479$1,470,298
43$1,784,586$1,088,018$933,136$1,560,293
44$1,936,136$1,110,853$933,918$1,658,136
45$2,102,184$1,133,847$933,766$1,764,605
46$2,284,178$1,156,977$932,618$1,880,560
47$2,483,714$1,180,218$930,411$2,006,948
48$2,702,549$1,203,545$927,076$2,144,812
49$2,942,618$1,226,929$922,542$2,295,302
50$3,206,053$1,250,336$916,736$2,459,687
51$3,495,203$1,273,735$909,578$2,639,364
52$3,812,653$1,297,087$900,988$2,835,875
53$4,161,252$1,320,353$890,880$3,050,916
54$4,544,139$1,343,489$879,164$3,286,361
55$4,964,771$1,366,450$865,746$3,544,273
56$5,426,958$1,389,186$850,528$3,826,927
57$5,934,894$1,411,643$833,408$4,136,830
58$6,493,204$1,433,764$814,277$4,476,746
59$7,106,978$1,455,487$793,024$4,849,722
60$7,781,830$1,476,745$769,529$5,259,116
61$8,523,939$1,497,468$743,671$5,708,632
62$9,340,116$1,517,579$715,320$6,202,349
63$10,237,866$1,536,999$684,341$6,744,766
64$11,225,455$1,555,639$650,594$7,340,842
65$12,311,994$1,573,407$613,931$7,996,043
66$13,507,518$1,590,205$574,198$8,716,394
67$14,823,086$1,605,926$531,235$9,508,536
68$16,270,883$1,620,459$484,873$10,379,788
69$17,864,334$1,633,682$434,937$11,338,222
70$19,618,233$1,645,469$381,244$12,392,730
71$21,548,878$1,655,683$323,602$13,553,117
72$23,674,232$1,664,179$261,811$14,830,188
73$26,014,084$1,670,804$195,662$16,235,854
74$28,590,241$1,675,394$124,936$17,783,245
75$31,426,731$1,677,774$49,408$19,486,831
76$34,550,032$1,677,760$0$21,362,562
77$37,989,320$1,675,155$0$23,435,008
78$41,776,744$1,669,751$0$25,728,826
79$45,947,729$1,661,326$0$28,254,347
80$50,541,312$1,649,645$0$31,035,173
81$55,600,508$1,634,460$0$34,097,312
82$61,172,718$1,615,506$0$37,469,426
83$67,310,173$1,592,504$0$41,183,104
84$74,070,431$1,565,157$0$45,273,153
85$81,516,915$1,533,150$0$49,777,938
86$89,719,517$1,496,151$0$54,739,733
87$98,755,252$1,453,807$0$60,205,130
88$108,708,989$1,405,745$0$66,225,472
89$119,674,250$1,351,570$0$72,857,343
90$131,754,090$1,290,864$0$80,163,100
91$145,062,076$1,223,185$0$88,211,463
92$159,723,353$1,148,065$0$97,078,164
93$175,875,825$1,065,011$0$106,846,663
94$193,671,461$973,498$0$117,608,935
95$213,277,725$872,975$0$129,466,341
96$234,879,160$762,857$0$142,530,583
97$258,679,124$642,527$0$156,924,763
98$284,901,717$511,334$0$172,784,541
99$313,793,891$368,587$0$190,259,421
100$345,627,780$213,560$0$209,514,160