Can I retire at age 35 with 868,000?

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 $868,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$71,679$71,040$70,417$69,809$69,216$66,920
2 years$35,484$34,824$34,183$33,562$32,960$30,669
3 years$23,421$22,758$22,119$21,504$20,911$18,697
4 years$17,391$16,729$16,097$15,492$14,914$12,794
5 years$13,774$13,116$12,492$11,899$11,337$9,317
6 years$11,363$10,710$10,095$9,516$8,971$7,052
7 years$9,642$8,994$8,389$7,824$7,296$5,478
8 years$8,351$7,710$7,115$6,563$6,052$4,334
9 years$7,348$6,713$6,128$5,590$5,097$3,476
10 years$6,546$5,917$5,342$4,819$4,343$2,817
11 years$5,890$5,268$4,703$4,194$3,735$2,301
12 years$5,344$4,728$4,174$3,679$3,237$1,892
13 years$4,883$4,273$3,729$3,248$2,823$1,563
14 years$4,487$3,884$3,351$2,883$2,474$1,297
15 years$4,145$3,548$3,025$2,571$2,178$1,080
16 years$3,846$3,255$2,743$2,302$1,925$901
17 years$3,582$2,998$2,496$2,068$1,707$754
18 years$3,348$2,770$2,278$1,864$1,518$632
19 years$3,138$2,567$2,086$1,684$1,353$530
20 years$2,950$2,386$1,914$1,525$1,208$446
21 years$2,780$2,222$1,761$1,384$1,081$375
22 years$2,626$2,074$1,623$1,259$969$316
23 years$2,485$1,940$1,498$1,146$870$266
24 years$2,356$1,818$1,386$1,046$782$224
25 years$2,238$1,706$1,283$955$704$189
26 years$2,129$1,603$1,190$873$634$160
27 years$2,028$1,509$1,105$799$572$135
28 years$1,935$1,422$1,028$732$516$114
29 years$1,848$1,341$956$671$466$96
30 years$1,767$1,267$891$616$421$81
31 years$1,691$1,197$830$566$380$69
32 years$1,621$1,133$775$520$344$58
33 years$1,554$1,073$723$478$311$49
34 years$1,492$1,017$676$440$282$42
35 years$1,434$965$632$405$255$35
36 years$1,379$915$591$373$231$30
37 years$1,327$870$553$344$210$25
38 years$1,277$826$518$317$190$21
39 years$1,231$786$485$292$172$18
40 years$1,187$748$455$269$156$15
41 years$1,145$712$427$249$142$13
42 years$1,105$678$400$229$129$11
43 years$1,067$646$376$212$117$9
44 years$1,031$616$353$196$106$8
45 years$997$587$331$181$96$7
46 years$964$560$311$167$87$6
47 years$933$534$292$154$79$5
48 years$903$510$274$142$72$4
49 years$875$487$258$132$65$3
50 years$847$465$243$122$59$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $868,000, adding $4,671 every year, while hoping to spend $59,668 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: 53/38/9 Blend
34$868,000$868,000$868,000$868,000
35$961,354$915,350$901,896$1,009,891
36$995,926$896,716$868,623$1,024,730
37$1,032,024$875,169$832,236$1,033,991
38$1,069,742$850,503$792,567$1,042,655
39$1,109,179$822,501$749,441$1,050,676
40$1,150,444$790,932$702,676$1,058,009
41$1,193,653$755,553$652,080$1,064,608
42$1,238,935$716,104$597,454$1,070,426
43$1,286,427$672,313$538,589$1,075,416
44$1,336,278$623,892$475,268$1,079,529
45$1,388,651$570,536$407,262$1,082,717
46$1,443,723$511,921$334,334$1,084,934
47$1,501,685$447,707$256,237$1,086,132
48$1,562,746$377,534$172,710$1,086,267
49$1,627,133$301,021$83,483$1,085,294
50$1,695,096$217,766$0$1,083,171
51$1,766,903$127,344$0$1,080,988
52$1,842,850$29,307$0$1,086,212
53$1,923,260$0$0$1,090,815
54$2,008,483$0$0$1,126,926
55$2,098,903$0$0$1,178,283
56$2,194,942$0$0$1,232,876
57$2,297,057$0$0$1,290,971
58$2,405,753$0$0$1,352,861
59$2,521,580$0$0$1,418,865
60$2,645,140$0$0$1,489,333
61$2,777,092$0$0$1,564,651
62$2,918,162$0$0$1,645,238
63$3,069,142$0$0$1,731,556
64$3,230,902$0$0$1,824,112
65$3,404,395$0$0$1,923,460
66$3,590,669$0$0$2,030,211
67$3,790,872$0$0$2,145,032
68$4,006,266$0$0$2,268,659
69$4,238,234$0$0$2,401,899
70$4,488,298$0$0$2,545,636
71$4,758,128$0$0$2,700,845
72$5,049,560$0$0$2,868,596
73$5,364,609$0$0$3,050,064
74$5,705,494$0$0$3,246,540
75$6,074,650$0$0$3,459,447
76$6,474,757$0$0$3,690,345
77$6,908,761$0$0$3,940,953
78$7,379,900$0$0$4,213,160
79$7,891,739$0$0$4,509,044
80$8,448,196$0$0$4,830,892
81$9,053,585$0$0$5,181,220
82$9,712,648$0$0$5,562,794
83$10,430,608$0$0$5,978,661
84$11,213,208$0$0$6,432,173
85$12,066,772$0$0$6,927,020
86$12,998,259$0$0$7,467,262
87$14,015,328$0$0$8,057,370
88$15,126,414$0$0$8,702,265
89$16,340,797$0$0$9,407,365
90$17,668,700$0$0$10,178,636
91$19,121,375$0$0$11,022,646
92$20,711,212$0$0$11,946,626
93$22,451,856$0$0$12,958,543
94$24,358,330$0$0$14,067,165
95$26,447,181$0$0$15,282,154
96$28,736,630$0$0$16,614,145
97$31,246,746$0$0$18,074,855
98$33,999,632$0$0$19,677,189
99$37,019,632$0$0$21,435,361
100$40,333,561$0$0$23,365,025