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%14.5%
1 years$71,679$71,040$70,417$69,809$69,216$67,929
2 years$35,484$34,824$34,183$33,562$32,960$31,669
3 years$23,421$22,758$22,119$21,504$20,911$19,655
4 years$17,391$16,729$16,097$15,492$14,914$13,703
5 years$13,774$13,116$12,492$11,899$11,337$10,175
6 years$11,363$10,710$10,095$9,516$8,971$7,859
7 years$9,642$8,994$8,389$7,824$7,296$6,234
8 years$8,351$7,710$7,115$6,563$6,052$5,040
9 years$7,348$6,713$6,128$5,590$5,097$4,134
10 years$6,546$5,917$5,342$4,819$4,343$3,428
11 years$5,890$5,268$4,703$4,194$3,735$2,868
12 years$5,344$4,728$4,174$3,679$3,237$2,416
13 years$4,883$4,273$3,729$3,248$2,823$2,046
14 years$4,487$3,884$3,351$2,883$2,474$1,741
15 years$4,145$3,548$3,025$2,571$2,178$1,487
16 years$3,846$3,255$2,743$2,302$1,925$1,275
17 years$3,582$2,998$2,496$2,068$1,707$1,095
18 years$3,348$2,770$2,278$1,864$1,518$943
19 years$3,138$2,567$2,086$1,684$1,353$814
20 years$2,950$2,386$1,914$1,525$1,208$704
21 years$2,780$2,222$1,761$1,384$1,081$609
22 years$2,626$2,074$1,623$1,259$969$528
23 years$2,485$1,940$1,498$1,146$870$458
24 years$2,356$1,818$1,386$1,046$782$397
25 years$2,238$1,706$1,283$955$704$345
26 years$2,129$1,603$1,190$873$634$300
27 years$2,028$1,509$1,105$799$572$261
28 years$1,935$1,422$1,028$732$516$227
29 years$1,848$1,341$956$671$466$198
30 years$1,767$1,267$891$616$421$173
31 years$1,691$1,197$830$566$380$150
32 years$1,621$1,133$775$520$344$131
33 years$1,554$1,073$723$478$311$114
34 years$1,492$1,017$676$440$282$100
35 years$1,434$965$632$405$255$87
36 years$1,379$915$591$373$231$76
37 years$1,327$870$553$344$210$66
38 years$1,277$826$518$317$190$58
39 years$1,231$786$485$292$172$50
40 years$1,187$748$455$269$156$44
41 years$1,145$712$427$249$142$38
42 years$1,105$678$400$229$129$34
43 years$1,067$646$376$212$117$29
44 years$1,031$616$353$196$106$26
45 years$997$587$331$181$96$22
46 years$964$560$311$167$87$19
47 years$933$534$292$154$79$17
48 years$903$510$274$142$72$15
49 years$875$487$258$132$65$13
50 years$847$465$243$122$59$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $868,000, adding $5,389 every year, while hoping to spend $38,460 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: 61/31/8 Blend
34$868,000$868,000$868,000$868,000
35$962,095$916,091$902,637$1,018,828
36$1,019,307$920,058$891,954$1,061,417
37$1,081,066$922,931$879,624$1,102,950
38$1,147,795$924,615$865,552$1,147,297
39$1,219,959$925,009$849,637$1,194,730
40$1,298,069$924,009$831,773$1,245,548
41$1,382,687$921,500$811,853$1,300,084
42$1,474,431$917,363$789,759$1,358,704
43$1,573,979$911,471$765,373$1,421,815
44$1,682,081$903,688$738,568$1,489,864
45$1,799,556$893,872$709,214$1,563,346
46$1,927,310$881,871$677,171$1,642,810
47$2,066,337$867,524$642,298$1,728,858
48$2,217,732$850,661$604,444$1,822,161
49$2,382,699$831,102$563,451$1,923,455
50$2,562,563$808,655$519,155$2,033,556
51$2,758,784$783,118$471,386$2,153,365
52$2,972,967$754,278$419,964$2,283,877
53$3,206,879$721,907$364,703$2,426,191
54$3,462,466$685,766$305,406$2,581,521
55$3,741,870$645,601$241,870$2,751,209
56$4,047,450$601,145$173,882$2,936,734
57$4,381,802$552,113$101,219$3,139,732
58$4,747,786$498,207$23,650$3,362,008
59$5,148,550$439,109$0$3,605,556
60$5,587,561$374,484$0$3,877,626
61$6,068,638$303,980$0$4,178,081
62$6,595,986$227,221$0$4,507,606
63$7,174,236$143,815$0$4,869,187
64$7,808,490$53,343$0$5,266,117
65$8,504,365$0$0$5,702,030
66$9,268,052$0$0$6,196,160
67$10,106,366$0$0$6,758,620
68$11,026,817$0$0$7,376,260
69$12,037,676$0$0$8,054,640
70$13,148,056$0$0$8,799,884
71$14,367,994$0$0$9,618,738
72$15,708,550$0$0$10,518,636
73$17,181,905$0$0$11,507,764
74$18,801,482$0$0$12,595,145
75$20,582,067$0$0$13,790,717
76$22,539,951$0$0$15,105,429
77$24,693,082$0$0$16,551,346
78$27,061,235$0$0$18,141,759
79$29,666,197$0$0$19,891,312
80$32,531,975$0$0$21,816,142
81$35,685,016$0$0$23,934,025
82$39,154,463$0$0$26,264,551
83$42,972,425$0$0$28,829,302
84$47,174,282$0$0$31,652,059
85$51,799,016$0$0$34,759,026
86$56,889,581$0$0$38,179,074
87$62,493,307$0$0$41,944,019
88$68,662,344$0$0$46,088,914
89$75,454,156$0$0$50,652,386
90$82,932,063$0$0$55,676,999
91$91,165,836$0$0$61,209,651
92$100,232,358$0$0$67,302,021
93$110,216,344$0$0$74,011,057
94$121,211,146$0$0$81,399,508
95$133,319,628$0$0$89,536,519
96$146,655,142$0$0$98,498,284
97$161,342,591$0$0$108,368,765
98$177,519,611$0$0$119,240,479
99$195,337,870$0$0$131,215,379
100$214,964,496$0$0$144,405,808