Can I retire at age 35 with 867,000?

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 $867,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$71,596$70,958$70,336$69,729$69,136$67,879
2 years$35,444$34,783$34,144$33,523$32,922$31,660
3 years$23,394$22,731$22,093$21,479$20,887$19,659
4 years$17,371$16,710$16,078$15,474$14,897$13,713
5 years$13,758$13,101$12,477$11,886$11,324$10,188
6 years$11,350$10,698$10,084$9,505$8,961$7,873
7 years$9,631$8,984$8,379$7,815$7,287$6,248
8 years$8,342$7,701$7,106$6,556$6,046$5,055
9 years$7,340$6,705$6,121$5,584$5,091$4,149
10 years$6,539$5,910$5,336$4,813$4,338$3,443
11 years$5,884$5,261$4,698$4,189$3,731$2,881
12 years$5,338$4,722$4,169$3,674$3,233$2,429
13 years$4,877$4,268$3,725$3,244$2,819$2,059
14 years$4,482$3,879$3,347$2,880$2,471$1,753
15 years$4,140$3,544$3,022$2,568$2,176$1,498
16 years$3,841$3,251$2,740$2,299$1,923$1,285
17 years$3,578$2,994$2,493$2,066$1,705$1,105
18 years$3,344$2,767$2,276$1,862$1,516$952
19 years$3,135$2,564$2,083$1,682$1,351$822
20 years$2,947$2,383$1,912$1,524$1,207$711
21 years$2,777$2,220$1,759$1,383$1,080$616
22 years$2,623$2,072$1,621$1,257$968$534
23 years$2,482$1,938$1,497$1,145$869$464
24 years$2,353$1,816$1,384$1,044$781$403
25 years$2,235$1,704$1,282$954$703$351
26 years$2,126$1,601$1,189$872$633$305
27 years$2,026$1,507$1,104$798$571$266
28 years$1,932$1,420$1,026$731$515$231
29 years$1,846$1,340$955$671$465$202
30 years$1,765$1,265$890$616$420$176
31 years$1,689$1,196$829$565$380$153
32 years$1,619$1,132$774$520$344$134
33 years$1,553$1,072$723$478$311$117
34 years$1,491$1,016$675$440$282$102
35 years$1,432$963$631$405$255$89
36 years$1,377$914$590$373$231$78
37 years$1,325$868$553$343$209$68
38 years$1,276$825$518$316$190$59
39 years$1,229$785$485$292$172$52
40 years$1,185$747$454$269$156$45
41 years$1,144$711$426$248$142$39
42 years$1,104$677$400$229$129$34
43 years$1,066$645$375$212$117$30
44 years$1,030$615$352$195$106$26
45 years$996$586$331$180$96$23
46 years$963$559$311$167$87$20
47 years$932$534$292$154$79$18
48 years$902$510$274$142$72$15
49 years$874$487$258$131$65$13
50 years$846$465$242$122$59$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $867,000, adding $5,394 every year, while hoping to spend $30,271 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: 51/31/18 Blend
34$867,000$867,000$867,000$867,000
35$960,998$915,047$901,608$1,004,983
36$1,026,812$927,676$899,604$1,048,472
37$1,098,324$939,910$896,518$1,092,142
38$1,176,084$951,696$892,282$1,138,966
39$1,260,695$962,980$886,825$1,189,253
40$1,352,824$973,704$880,072$1,243,343
41$1,453,202$983,805$871,943$1,301,614
42$1,562,633$993,216$862,358$1,364,481
43$1,682,004$1,001,866$851,230$1,432,402
44$1,812,290$1,009,680$838,468$1,505,884
45$1,954,565$1,016,576$823,978$1,585,488
46$2,110,012$1,022,468$807,662$1,671,831
47$2,279,930$1,027,266$789,416$1,765,596
48$2,465,753$1,030,872$769,131$1,867,536
49$2,669,057$1,033,183$746,695$1,978,482
50$2,891,581$1,034,089$721,989$2,099,355
51$3,135,235$1,033,472$694,889$2,231,166
52$3,402,127$1,031,210$665,265$2,375,037
53$3,694,576$1,027,171$632,983$2,532,202
54$4,015,135$1,021,215$597,901$2,704,025
55$4,366,618$1,013,194$559,870$2,892,012
56$4,752,124$1,002,951$518,736$3,097,825
57$5,175,065$990,320$474,338$3,323,298
58$5,639,199$975,124$426,507$3,570,453
59$6,148,669$957,176$375,065$3,841,526
60$6,708,033$936,278$319,831$4,138,981
61$7,322,318$912,220$260,610$4,465,537
62$7,997,056$884,781$197,202$4,824,196
63$8,738,345$853,725$129,398$5,218,269
64$9,552,902$818,803$56,978$5,651,409
65$10,448,125$779,752$0$6,127,648
66$11,432,168$736,293$0$6,655,331
67$12,514,010$688,133$0$7,247,397
68$13,703,547$634,960$0$7,898,350
69$15,011,680$576,443$0$8,614,209
70$16,450,419$512,236$0$9,401,611
71$18,032,996$441,971$0$10,267,873
72$19,773,993$365,259$0$11,221,063
73$21,689,473$281,689$0$12,270,076
74$23,797,136$190,828$0$13,424,717
75$26,116,483$92,218$0$14,695,797
76$28,669,003$0$0$16,095,237
77$31,478,372$0$0$17,641,164
78$34,570,678$0$0$19,377,517
79$37,974,667$0$0$21,288,993
80$41,722,013$0$0$23,393,390
81$45,847,618$0$0$25,710,323
82$50,389,937$0$0$28,261,403
83$55,391,348$0$0$31,070,445
84$60,898,544$0$0$34,163,691
85$66,962,979$0$0$37,570,055
86$73,641,349$0$0$41,321,402
87$80,996,129$0$0$45,452,840
88$89,096,162$0$0$50,003,060
89$98,017,309$0$0$55,014,694
90$107,843,164$0$0$60,534,721
91$118,665,840$0$0$66,614,910
92$130,586,844$0$0$73,312,306
93$143,718,028$0$0$80,689,771
94$158,182,650$0$0$88,816,575
95$174,116,533$0$0$97,769,051
96$191,669,349$0$0$107,631,314
97$211,006,028$0$0$118,496,058
98$232,308,322$0$0$130,465,426
99$255,776,508$0$0$143,651,977
100$281,631,291$0$0$158,179,747