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%18.4%
1 years$71,596$70,958$70,336$69,729$69,136$66,789
2 years$35,444$34,783$34,144$33,523$32,922$30,581
3 years$23,394$22,731$22,093$21,479$20,887$18,626
4 years$17,371$16,710$16,078$15,474$14,897$12,732
5 years$13,758$13,101$12,477$11,886$11,324$9,262
6 years$11,350$10,698$10,084$9,505$8,961$7,003
7 years$9,631$8,984$8,379$7,815$7,287$5,433
8 years$8,342$7,701$7,106$6,556$6,046$4,294
9 years$7,340$6,705$6,121$5,584$5,091$3,440
10 years$6,539$5,910$5,336$4,813$4,338$2,784
11 years$5,884$5,261$4,698$4,189$3,731$2,272
12 years$5,338$4,722$4,169$3,674$3,233$1,865
13 years$4,877$4,268$3,725$3,244$2,819$1,539
14 years$4,482$3,879$3,347$2,880$2,471$1,275
15 years$4,140$3,544$3,022$2,568$2,176$1,060
16 years$3,841$3,251$2,740$2,299$1,923$883
17 years$3,578$2,994$2,493$2,066$1,705$738
18 years$3,344$2,767$2,276$1,862$1,516$617
19 years$3,135$2,564$2,083$1,682$1,351$517
20 years$2,947$2,383$1,912$1,524$1,207$434
21 years$2,777$2,220$1,759$1,383$1,080$365
22 years$2,623$2,072$1,621$1,257$968$307
23 years$2,482$1,938$1,497$1,145$869$258
24 years$2,353$1,816$1,384$1,044$781$217
25 years$2,235$1,704$1,282$954$703$183
26 years$2,126$1,601$1,189$872$633$154
27 years$2,026$1,507$1,104$798$571$130
28 years$1,932$1,420$1,026$731$515$110
29 years$1,846$1,340$955$671$465$92
30 years$1,765$1,265$890$616$420$78
31 years$1,689$1,196$829$565$380$66
32 years$1,619$1,132$774$520$344$55
33 years$1,553$1,072$723$478$311$47
34 years$1,491$1,016$675$440$282$40
35 years$1,432$963$631$405$255$33
36 years$1,377$914$590$373$231$28
37 years$1,325$868$553$343$209$24
38 years$1,276$825$518$316$190$20
39 years$1,229$785$485$292$172$17
40 years$1,185$747$454$269$156$14
41 years$1,144$711$426$248$142$12
42 years$1,104$677$400$229$129$10
43 years$1,066$645$375$212$117$9
44 years$1,030$615$352$195$106$7
45 years$996$586$331$180$96$6
46 years$963$559$311$167$87$5
47 years$932$534$292$154$79$4
48 years$902$510$274$142$72$4
49 years$874$487$258$131$65$3
50 years$846$465$242$122$59$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $867,000, adding $4,237 every year, while hoping to spend $25,037 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: 61/32/7 Blend
34$867,000$867,000$867,000$867,000
35$959,804$913,853$900,415$1,016,752
36$1,031,065$931,993$903,940$1,073,487
37$1,108,756$950,182$906,743$1,132,088
38$1,193,505$968,398$908,775$1,195,389
39$1,286,006$986,612$909,983$1,263,844
40$1,387,021$1,004,799$910,309$1,337,950
41$1,497,389$1,022,926$909,697$1,418,259
42$1,618,035$1,040,962$908,084$1,505,376
43$1,749,977$1,058,871$905,407$1,599,969
44$1,894,333$1,076,615$901,597$1,702,772
45$2,052,339$1,094,152$896,585$1,814,598
46$2,225,352$1,111,440$890,294$1,936,338
47$2,414,868$1,128,431$882,649$2,068,976
48$2,622,534$1,145,074$873,568$2,213,598
49$2,850,165$1,161,315$862,965$2,371,399
50$3,099,759$1,177,096$850,751$2,543,695
51$3,373,515$1,192,355$836,832$2,731,938
52$3,673,858$1,207,025$821,111$2,937,730
53$4,003,459$1,221,036$803,485$3,162,832
54$4,365,256$1,234,312$783,846$3,409,190
55$4,762,491$1,246,771$762,084$3,678,944
56$5,198,731$1,258,329$738,079$3,974,458
57$5,677,907$1,268,892$711,710$4,298,333
58$6,204,349$1,278,364$682,849$4,653,439
59$6,782,829$1,286,640$651,360$5,042,937
60$7,418,601$1,293,608$617,104$5,470,314
61$8,117,455$1,299,152$579,933$5,939,412
62$8,885,770$1,303,145$539,696$6,454,464
63$9,730,574$1,305,455$496,231$7,020,140
64$10,659,609$1,305,939$449,372$7,641,584
65$11,681,406$1,304,447$398,943$8,324,468
66$12,805,364$1,300,819$344,762$9,075,043
67$14,041,838$1,294,886$286,638$9,900,199
68$15,402,237$1,286,467$224,372$10,807,532
69$16,899,133$1,275,372$157,757$11,805,414
70$18,546,378$1,261,398$86,574$12,903,072
71$20,359,233$1,244,331$10,599$14,110,677
72$22,354,514$1,223,943$0$15,439,440
73$24,550,751$1,199,993$0$16,906,982
74$26,968,361$1,172,225$0$18,522,848
75$29,629,840$1,140,371$0$20,301,276
76$32,559,977$1,104,142$0$22,258,834
77$35,786,087$1,063,238$0$24,413,782
78$39,338,267$1,017,336$0$26,786,244
79$43,249,683$966,098$0$29,398,400
80$47,556,879$909,165$0$32,274,697
81$52,300,124$846,157$0$35,442,077
82$57,523,793$776,675$0$38,930,234
83$63,276,780$700,292$0$42,771,895
84$69,612,968$616,563$0$47,003,130
85$76,591,728$525,012$0$51,663,689
86$84,278,487$425,140$0$56,797,387
87$92,745,338$316,417$0$62,452,510
88$102,071,727$198,287$0$68,682,273
89$112,345,199$70,158$0$75,545,329
90$123,662,222$0$0$83,106,318
91$136,129,103$0$0$91,460,632
92$149,862,986$0$0$100,691,308
93$164,992,959$0$0$110,860,417
94$181,661,275$0$0$122,063,580
95$200,024,687$0$0$134,406,172
96$220,255,938$0$0$148,004,309
97$242,545,381$0$0$162,985,950
98$267,102,783$0$0$179,492,102
99$294,159,300$0$0$197,678,153
100$323,969,660$0$0$217,715,332