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%15.4%
1 years$71,679$71,040$70,417$69,809$69,216$67,680
2 years$35,484$34,824$34,183$33,562$32,960$31,421
3 years$23,421$22,758$22,119$21,504$20,911$19,416
4 years$17,391$16,729$16,097$15,492$14,914$13,475
5 years$13,774$13,116$12,492$11,899$11,337$9,959
6 years$11,363$10,710$10,095$9,516$8,971$7,654
7 years$9,642$8,994$8,389$7,824$7,296$6,041
8 years$8,351$7,710$7,115$6,563$6,052$4,859
9 years$7,348$6,713$6,128$5,590$5,097$3,964
10 years$6,546$5,917$5,342$4,819$4,343$3,269
11 years$5,890$5,268$4,703$4,194$3,735$2,719
12 years$5,344$4,728$4,174$3,679$3,237$2,277
13 years$4,883$4,273$3,729$3,248$2,823$1,917
14 years$4,487$3,884$3,351$2,883$2,474$1,621
15 years$4,145$3,548$3,025$2,571$2,178$1,376
16 years$3,846$3,255$2,743$2,302$1,925$1,172
17 years$3,582$2,998$2,496$2,068$1,707$1,001
18 years$3,348$2,770$2,278$1,864$1,518$856
19 years$3,138$2,567$2,086$1,684$1,353$734
20 years$2,950$2,386$1,914$1,525$1,208$630
21 years$2,780$2,222$1,761$1,384$1,081$542
22 years$2,626$2,074$1,623$1,259$969$466
23 years$2,485$1,940$1,498$1,146$870$401
24 years$2,356$1,818$1,386$1,046$782$346
25 years$2,238$1,706$1,283$955$704$299
26 years$2,129$1,603$1,190$873$634$258
27 years$2,028$1,509$1,105$799$572$223
28 years$1,935$1,422$1,028$732$516$192
29 years$1,848$1,341$956$671$466$166
30 years$1,767$1,267$891$616$421$144
31 years$1,691$1,197$830$566$380$124
32 years$1,621$1,133$775$520$344$108
33 years$1,554$1,073$723$478$311$93
34 years$1,492$1,017$676$440$282$81
35 years$1,434$965$632$405$255$70
36 years$1,379$915$591$373$231$60
37 years$1,327$870$553$344$210$52
38 years$1,277$826$518$317$190$45
39 years$1,231$786$485$292$172$39
40 years$1,187$748$455$269$156$34
41 years$1,145$712$427$249$142$29
42 years$1,105$678$400$229$129$25
43 years$1,067$646$376$212$117$22
44 years$1,031$616$353$196$106$19
45 years$997$587$331$181$96$17
46 years$964$560$311$167$87$14
47 years$933$534$292$154$79$12
48 years$903$510$274$142$72$11
49 years$875$487$258$132$65$9
50 years$847$465$243$122$59$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $868,000, adding $5,482 every year, while hoping to spend $52,761 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: 53/28/19 Blend
34$868,000$868,000$868,000$868,000
35$962,191$916,187$902,733$1,007,925
36$1,004,197$904,943$876,837$1,028,653
37$1,048,719$891,379$848,305$1,045,202
38$1,095,959$875,327$816,994$1,062,065
39$1,146,136$856,607$782,752$1,079,288
40$1,199,490$835,029$745,422$1,096,926
41$1,256,284$810,391$704,840$1,115,040
42$1,316,806$782,482$660,834$1,133,703
43$1,381,372$751,075$613,223$1,152,997
44$1,450,326$715,932$561,820$1,173,017
45$1,524,047$676,800$506,429$1,193,872
46$1,602,950$633,414$446,845$1,215,686
47$1,687,490$585,490$382,853$1,238,599
48$1,778,165$532,731$314,230$1,262,772
49$1,875,524$474,820$240,743$1,288,386
50$1,980,167$411,426$162,147$1,315,646
51$2,092,754$342,196$78,189$1,344,785
52$2,214,009$266,757$0$1,376,065
53$2,344,727$184,718$0$1,412,093
54$2,485,783$95,663$0$1,467,954
55$2,638,136$0$0$1,528,213
56$2,802,842$0$0$1,593,610
57$2,981,059$0$0$1,696,332
58$3,174,063$0$0$1,807,647
59$3,383,254$0$0$1,928,372
60$3,610,174$0$0$2,059,406
61$3,856,518$0$0$2,201,737
62$4,124,149$0$0$2,356,453
63$4,415,118$0$0$2,524,749
64$4,731,681$0$0$2,707,941
65$5,076,319$0$0$2,907,478
66$5,451,763$0$0$3,124,951
67$5,861,018$0$0$3,362,116
68$6,307,393$0$0$3,620,902
69$6,794,527$0$0$3,903,433
70$7,326,428$0$0$4,212,049
71$7,907,507$0$0$4,549,322
72$8,542,620$0$0$4,918,089
73$9,237,114$0$0$5,321,469
74$9,996,876$0$0$5,762,898
75$10,828,387$0$0$6,246,160
76$11,738,784$0$0$6,775,421
77$12,735,928$0$0$7,355,270
78$13,828,474$0$0$7,990,759
79$15,025,955$0$0$8,687,454
80$16,338,868$0$0$9,451,483
81$17,778,777$0$0$10,289,597
82$19,358,416$0$0$11,209,232
83$21,091,815$0$0$12,218,577
84$22,994,423$0$0$13,326,655
85$25,083,262$0$0$14,543,403
86$27,377,079$0$0$15,879,768
87$29,896,529$0$0$17,347,810
88$32,664,363$0$0$18,960,814
89$35,705,645$0$0$20,733,415
90$39,047,987$0$0$22,681,738
91$42,721,810$0$0$24,823,545
92$46,760,627$0$0$27,178,407
93$51,201,362$0$0$29,767,885
94$56,084,692$0$0$32,615,735
95$61,455,437$0$0$35,748,127
96$67,362,976$0$0$39,193,900
97$73,861,715$0$0$42,984,825
98$81,011,599$0$0$47,155,909
99$88,878,674$0$0$51,745,722
100$97,535,714$0$0$56,796,762