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%15.7%
1 years$71,761$71,122$70,498$69,890$69,295$67,675
2 years$35,525$34,864$34,223$33,601$32,998$31,375
3 years$23,448$22,784$22,144$21,528$20,935$19,360
4 years$17,411$16,749$16,115$15,510$14,931$13,416
5 years$13,790$13,131$12,506$11,913$11,350$9,899
6 years$11,376$10,722$10,107$9,527$8,981$7,596
7 years$9,653$9,005$8,399$7,833$7,304$5,984
8 years$8,361$7,719$7,123$6,571$6,059$4,805
9 years$7,357$6,721$6,135$5,597$5,103$3,913
10 years$6,554$5,924$5,349$4,824$4,348$3,221
11 years$5,897$5,274$4,709$4,199$3,739$2,674
12 years$5,350$4,733$4,179$3,683$3,240$2,235
13 years$4,888$4,278$3,734$3,251$2,826$1,878
14 years$4,492$3,888$3,355$2,886$2,477$1,585
15 years$4,150$3,552$3,029$2,574$2,181$1,343
16 years$3,850$3,259$2,746$2,305$1,928$1,141
17 years$3,586$3,001$2,499$2,071$1,709$972
18 years$3,351$2,773$2,281$1,866$1,520$830
19 years$3,142$2,570$2,088$1,686$1,355$710
20 years$2,953$2,388$1,916$1,527$1,210$608
21 years$2,783$2,225$1,763$1,386$1,083$521
22 years$2,629$2,077$1,625$1,260$970$448
23 years$2,488$1,942$1,500$1,148$871$385
24 years$2,359$1,820$1,387$1,047$783$331
25 years$2,240$1,708$1,285$956$705$285
26 years$2,131$1,605$1,192$874$635$245
27 years$2,030$1,511$1,107$800$572$211
28 years$1,937$1,423$1,029$733$516$182
29 years$1,850$1,343$957$672$466$157
30 years$1,769$1,268$892$617$421$135
31 years$1,693$1,199$831$567$381$117
32 years$1,623$1,134$776$521$345$101
33 years$1,556$1,074$724$479$312$87
34 years$1,494$1,018$677$441$282$75
35 years$1,435$966$633$406$256$65
36 years$1,380$917$592$374$232$56
37 years$1,328$871$554$344$210$48
38 years$1,279$827$519$317$190$42
39 years$1,232$787$486$292$173$36
40 years$1,188$748$456$270$157$31
41 years$1,146$712$427$249$142$27
42 years$1,106$679$401$230$129$23
43 years$1,069$646$376$212$117$20
44 years$1,032$616$353$196$106$17
45 years$998$588$331$181$96$15
46 years$965$561$311$167$88$13
47 years$934$535$292$154$79$11
48 years$904$511$275$143$72$10
49 years$876$488$258$132$66$8
50 years$848$466$243$122$60$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $869,000, adding $6,207 every year, while hoping to spend $53,884 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: 60/35/5 Blend
34$869,000$869,000$869,000$869,000
35$964,041$917,984$904,514$1,020,690
36$1,005,040$905,633$877,483$1,046,968
37$1,048,417$890,870$847,741$1,068,836
38$1,094,354$873,522$815,139$1,091,304
39$1,143,056$853,402$779,524$1,114,432
40$1,194,743$830,314$740,733$1,138,285
41$1,249,657$804,051$698,599$1,162,938
42$1,308,065$774,391$652,944$1,188,477
43$1,370,254$741,103$603,584$1,214,999
44$1,436,543$703,940$550,327$1,242,612
45$1,507,278$662,641$492,971$1,271,441
46$1,582,842$616,932$431,307$1,301,625
47$1,663,650$566,520$365,114$1,333,324
48$1,750,160$511,097$294,163$1,366,713
49$1,842,874$450,339$218,215$1,401,993
50$1,942,342$383,900$137,021$1,439,389
51$2,049,168$311,419$50,318$1,479,153
52$2,164,015$232,510$0$1,521,570
53$2,287,610$146,768$0$1,569,207
54$2,420,751$53,765$0$1,623,181
55$2,564,317$0$0$1,681,218
56$2,719,271$0$0$1,761,864
57$2,886,672$0$0$1,871,412
58$3,067,685$0$0$1,989,924
59$3,263,587$0$0$2,118,244
60$3,475,786$0$0$2,257,301
61$3,705,828$0$0$2,408,117
62$3,955,413$0$0$2,571,814
63$4,226,410$0$0$2,749,627
64$4,520,877$0$0$2,942,915
65$4,841,075$0$0$3,153,172
66$5,189,495$0$0$3,382,043
67$5,568,874$0$0$3,631,337
68$5,982,227$0$0$3,903,045
69$6,432,869$0$0$4,199,359
70$6,924,451$0$0$4,522,690
71$7,460,990$0$0$4,875,694
72$8,046,910$0$0$5,261,292
73$8,687,077$0$0$5,682,702
74$9,386,852$0$0$6,143,465
75$10,152,135$0$0$6,647,482
76$10,989,423$0$0$7,199,047
77$11,905,871$0$0$7,802,886
78$12,909,356$0$0$8,464,208
79$14,008,552$0$0$9,188,746
80$15,213,013$0$0$9,982,814
81$16,533,260$0$0$10,853,366
82$17,980,881$0$0$11,808,063
83$19,568,638$0$0$12,855,339
84$21,310,588$0$0$14,004,488
85$23,222,214$0$0$15,265,744
86$25,320,571$0$0$16,650,381
87$27,624,446$0$0$18,170,818
88$30,154,533$0$0$19,840,736
89$32,933,629$0$0$21,675,205
90$35,986,848$0$0$23,690,828
91$39,341,857$0$0$25,905,893
92$43,029,133$0$0$28,340,552
93$47,082,255$0$0$31,017,001
94$51,538,217$0$0$33,959,699
95$56,437,774$0$0$37,195,589
96$61,825,829$0$0$40,754,357
97$67,751,856$0$0$44,668,712
98$74,270,360$0$0$48,974,690
99$81,441,398$0$0$53,711,995
100$89,331,139$0$0$58,924,374