Can I retire at age 35 with 869,000?

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 $869,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$71,761$71,122$70,498$69,890$69,295$68,232
2 years$35,525$34,864$34,223$33,601$32,998$31,929
3 years$23,448$22,784$22,144$21,528$20,935$19,894
4 years$17,411$16,749$16,115$15,510$14,931$13,926
5 years$13,790$13,131$12,506$11,913$11,350$10,384
6 years$11,376$10,722$10,107$9,527$8,981$8,055
7 years$9,653$9,005$8,399$7,833$7,304$6,418
8 years$8,361$7,719$7,123$6,571$6,059$5,213
9 years$7,357$6,721$6,135$5,597$5,103$4,296
10 years$6,554$5,924$5,349$4,824$4,348$3,580
11 years$5,897$5,274$4,709$4,199$3,739$3,010
12 years$5,350$4,733$4,179$3,683$3,240$2,548
13 years$4,888$4,278$3,734$3,251$2,826$2,170
14 years$4,492$3,888$3,355$2,886$2,477$1,857
15 years$4,150$3,552$3,029$2,574$2,181$1,595
16 years$3,850$3,259$2,746$2,305$1,928$1,374
17 years$3,586$3,001$2,499$2,071$1,709$1,188
18 years$3,351$2,773$2,281$1,866$1,520$1,029
19 years$3,142$2,570$2,088$1,686$1,355$893
20 years$2,953$2,388$1,916$1,527$1,210$777
21 years$2,783$2,225$1,763$1,386$1,083$676
22 years$2,629$2,077$1,625$1,260$970$590
23 years$2,488$1,942$1,500$1,148$871$515
24 years$2,359$1,820$1,387$1,047$783$450
25 years$2,240$1,708$1,285$956$705$393
26 years$2,131$1,605$1,192$874$635$344
27 years$2,030$1,511$1,107$800$572$301
28 years$1,937$1,423$1,029$733$516$264
29 years$1,850$1,343$957$672$466$231
30 years$1,769$1,268$892$617$421$203
31 years$1,693$1,199$831$567$381$178
32 years$1,623$1,134$776$521$345$156
33 years$1,556$1,074$724$479$312$137
34 years$1,494$1,018$677$441$282$120
35 years$1,435$966$633$406$256$106
36 years$1,380$917$592$374$232$93
37 years$1,328$871$554$344$210$82
38 years$1,279$827$519$317$190$72
39 years$1,232$787$486$292$173$63
40 years$1,188$748$456$270$157$55
41 years$1,146$712$427$249$142$49
42 years$1,106$679$401$230$129$43
43 years$1,069$646$376$212$117$38
44 years$1,032$616$353$196$106$33
45 years$998$588$331$181$96$29
46 years$965$561$311$167$88$26
47 years$934$535$292$154$79$22
48 years$904$511$275$143$72$20
49 years$876$488$258$132$66$17
50 years$848$466$243$122$60$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $869,000, adding $2,554 every year, while hoping to spend $53,529 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: 64/16/20 Blend
34$869,000$869,000$869,000$869,000
35$960,272$914,215$900,746$1,016,677
36$1,001,266$902,058$873,966$1,042,769
37$1,044,646$887,510$844,496$1,064,974
38$1,090,601$870,399$812,187$1,087,983
39$1,139,335$850,540$776,888$1,111,877
40$1,191,070$827,740$738,437$1,136,747
41$1,246,051$801,791$696,666$1,162,697
42$1,304,545$772,476$651,401$1,189,843
43$1,366,845$739,563$602,459$1,218,313
44$1,433,270$702,809$549,649$1,248,255
45$1,504,171$661,954$492,770$1,279,830
46$1,579,933$616,726$431,613$1,313,220
47$1,660,975$566,835$365,962$1,348,629
48$1,747,761$511,976$295,588$1,386,285
49$1,840,795$451,826$220,253$1,426,441
50$1,940,635$386,044$139,710$1,469,380
51$2,047,888$314,268$53,699$1,515,420
52$2,163,225$236,119$0$1,564,911
53$2,287,378$151,194$0$1,626,375
54$2,421,157$59,068$0$1,704,878
55$2,565,445$0$0$1,789,498
56$2,721,216$0$0$1,888,007
57$2,889,540$0$0$2,005,740
58$3,071,592$0$0$2,133,123
59$3,268,664$0$0$2,271,068
60$3,482,176$0$0$2,420,575
61$3,713,690$0$0$2,582,744
62$3,964,922$0$0$2,758,785
63$4,237,762$0$0$2,950,029
64$4,534,287$0$0$3,157,941
65$4,856,782$0$0$3,384,130
66$5,207,761$0$0$3,630,369
67$5,589,992$0$0$3,898,607
68$6,006,517$0$0$4,190,992
69$6,460,688$0$0$4,509,883
70$6,956,192$0$0$4,857,880
71$7,497,087$0$0$5,237,845
72$8,087,842$0$0$5,652,927
73$8,733,374$0$0$6,106,593
74$9,439,099$0$0$6,602,661
75$10,210,978$0$0$7,145,333
76$11,055,574$0$0$7,739,238
77$11,980,116$0$0$8,389,471
78$12,992,564$0$0$9,101,644
79$14,101,680$0$0$9,881,937
80$15,317,119$0$0$10,737,155
81$16,649,510$0$0$11,674,794
82$18,110,561$0$0$12,703,109
83$19,713,168$0$0$13,831,194
84$21,471,534$0$0$15,069,063
85$23,401,303$0$0$16,427,747
86$25,519,708$0$0$17,919,399
87$27,845,732$0$0$19,557,404
88$30,400,285$0$0$21,356,508
89$33,206,402$0$0$23,332,954
90$36,289,461$0$0$25,504,637
91$39,677,415$0$0$27,891,272
92$43,401,063$0$0$30,514,575
93$47,494,335$0$0$33,398,475
94$51,994,611$0$0$36,569,332
95$56,943,074$0$0$40,056,190
96$62,385,099$0$0$43,891,045
97$68,370,676$0$0$48,109,153
98$74,954,884$0$0$52,749,357
99$82,198,408$0$0$57,854,453
100$90,168,114$0$0$63,471,596