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%19.9%
1 years$71,596$70,958$70,336$69,729$69,136$66,393
2 years$35,444$34,783$34,144$33,523$32,922$30,192
3 years$23,394$22,731$22,093$21,479$20,887$18,257
4 years$17,371$16,710$16,078$15,474$14,897$12,386
5 years$13,758$13,101$12,477$11,886$11,324$8,939
6 years$11,350$10,698$10,084$9,505$8,961$6,703
7 years$9,631$8,984$8,379$7,815$7,287$5,156
8 years$8,342$7,701$7,106$6,556$6,046$4,039
9 years$7,340$6,705$6,121$5,584$5,091$3,206
10 years$6,539$5,910$5,336$4,813$4,338$2,570
11 years$5,884$5,261$4,698$4,189$3,731$2,077
12 years$5,338$4,722$4,169$3,674$3,233$1,688
13 years$4,877$4,268$3,725$3,244$2,819$1,379
14 years$4,482$3,879$3,347$2,880$2,471$1,130
15 years$4,140$3,544$3,022$2,568$2,176$929
16 years$3,841$3,251$2,740$2,299$1,923$766
17 years$3,578$2,994$2,493$2,066$1,705$633
18 years$3,344$2,767$2,276$1,862$1,516$524
19 years$3,135$2,564$2,083$1,682$1,351$434
20 years$2,947$2,383$1,912$1,524$1,207$360
21 years$2,777$2,220$1,759$1,383$1,080$299
22 years$2,623$2,072$1,621$1,257$968$248
23 years$2,482$1,938$1,497$1,145$869$206
24 years$2,353$1,816$1,384$1,044$781$172
25 years$2,235$1,704$1,282$954$703$143
26 years$2,126$1,601$1,189$872$633$119
27 years$2,026$1,507$1,104$798$571$99
28 years$1,932$1,420$1,026$731$515$83
29 years$1,846$1,340$955$671$465$69
30 years$1,765$1,265$890$616$420$57
31 years$1,689$1,196$829$565$380$48
32 years$1,619$1,132$774$520$344$40
33 years$1,553$1,072$723$478$311$33
34 years$1,491$1,016$675$440$282$28
35 years$1,432$963$631$405$255$23
36 years$1,377$914$590$373$231$19
37 years$1,325$868$553$343$209$16
38 years$1,276$825$518$316$190$13
39 years$1,229$785$485$292$172$11
40 years$1,185$747$454$269$156$9
41 years$1,144$711$426$248$142$8
42 years$1,104$677$400$229$129$6
43 years$1,066$645$375$212$117$5
44 years$1,030$615$352$195$106$4
45 years$996$586$331$180$96$4
46 years$963$559$311$167$87$3
47 years$932$534$292$154$79$3
48 years$902$510$274$142$72$2
49 years$874$487$258$131$65$2
50 years$846$465$242$122$59$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $867,000, adding $2,901 every year, while hoping to spend $21,046 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: 62/26/12 Blend
34$867,000$867,000$867,000$867,000
35$958,426$912,475$899,037$1,014,963
36$1,033,793$934,794$906,762$1,075,533
37$1,116,142$957,501$914,040$1,138,949
38$1,206,163$980,592$920,835$1,207,653
39$1,304,615$1,004,065$927,107$1,282,160
40$1,412,335$1,027,914$932,814$1,363,033
41$1,530,244$1,052,133$937,915$1,450,895
42$1,659,357$1,076,715$942,362$1,546,432
43$1,800,789$1,101,651$946,109$1,650,398
44$1,955,771$1,126,934$949,105$1,763,624
45$2,125,657$1,152,551$951,297$1,887,028
46$2,311,938$1,178,491$952,630$2,021,618
47$2,516,259$1,204,740$953,047$2,168,506
48$2,740,428$1,231,283$952,484$2,328,916
49$2,986,439$1,258,103$950,880$2,504,199
50$3,256,488$1,285,182$948,166$2,695,840
51$3,552,993$1,312,498$944,273$2,905,479
52$3,878,617$1,340,031$939,125$3,134,919
53$4,236,297$1,367,753$932,647$3,386,151
54$4,629,266$1,395,639$924,757$3,661,365
55$5,061,084$1,423,659$915,370$3,962,977
56$5,535,677$1,451,780$904,396$4,293,648
57$6,057,366$1,479,967$891,744$4,656,311
58$6,630,914$1,508,183$877,314$5,054,196
59$7,261,569$1,536,385$861,006$5,490,866
60$7,955,111$1,564,530$842,712$5,970,244
61$8,717,910$1,592,569$822,320$6,496,656
62$9,556,983$1,620,451$799,713$7,074,867
63$10,480,061$1,648,119$774,770$7,710,130
64$11,495,663$1,675,513$747,361$8,408,233
65$12,613,176$1,702,568$717,352$9,175,554
66$13,842,941$1,729,216$684,605$10,019,124
67$15,196,354$1,755,380$648,972$10,946,690
68$16,685,970$1,780,982$610,301$11,966,790
69$18,325,624$1,805,935$568,431$13,088,832
70$20,130,560$1,830,148$523,195$14,323,187
71$22,117,574$1,853,522$474,420$15,681,283
72$24,305,175$1,875,954$421,922$17,175,714
73$26,713,758$1,897,330$365,510$18,820,360
74$29,365,793$1,917,531$304,987$20,630,518
75$32,286,044$1,936,430$240,144$22,623,046
76$35,501,797$1,953,891$170,765$24,816,524
77$39,043,117$1,969,769$96,622$27,231,426
78$42,943,136$1,983,908$17,480$29,890,317
79$47,238,362$1,996,146$0$32,818,067
80$51,969,024$2,006,307$0$36,050,658
81$57,179,453$2,014,204$0$39,612,664
82$62,918,498$2,019,641$0$43,535,166
83$69,239,988$2,022,406$0$47,854,886
84$76,203,239$2,022,277$0$52,612,289
85$83,873,617$2,019,015$0$57,851,971
86$92,323,148$2,012,370$0$63,623,074
87$101,631,207$2,002,073$0$69,979,757
88$111,885,257$1,987,842$0$76,981,702
89$123,181,681$1,969,374$0$84,694,678
90$135,626,691$1,946,352$0$93,191,167
91$149,337,327$1,918,437$0$102,551,043
92$164,442,564$1,885,270$0$112,862,328
93$181,084,530$1,846,472$0$124,222,027
94$199,419,844$1,801,641$0$136,737,038
95$219,621,098$1,750,352$0$150,525,166
96$241,878,483$1,692,152$0$165,716,235
97$266,401,587$1,626,566$0$182,453,313
98$293,421,369$1,553,088$0$200,894,063
99$323,192,344$1,471,185$0$221,212,233
100$355,994,982$1,380,291$0$243,599,297