Can I retire at age 35 with 870,000?

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 $870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$71,844$71,204$70,579$69,970$69,375$68,170
2 years$35,566$34,904$34,262$33,639$33,036$31,825
3 years$23,475$22,810$22,170$21,553$20,959$19,781
4 years$17,431$16,768$16,134$15,528$14,948$13,812
5 years$13,805$13,146$12,521$11,927$11,363$10,272
6 years$11,389$10,735$10,118$9,538$8,992$7,946
7 years$9,664$9,015$8,408$7,842$7,313$6,314
8 years$8,371$7,728$7,131$6,578$6,066$5,114
9 years$7,365$6,728$6,142$5,603$5,109$4,202
10 years$6,561$5,931$5,355$4,830$4,353$3,491
11 years$5,904$5,280$4,714$4,204$3,744$2,926
12 years$5,357$4,739$4,184$3,687$3,244$2,469
13 years$4,894$4,282$3,738$3,255$2,829$2,096
14 years$4,498$3,893$3,359$2,890$2,480$1,787
15 years$4,154$3,556$3,032$2,577$2,183$1,530
16 years$3,854$3,263$2,749$2,307$1,930$1,314
17 years$3,590$3,005$2,502$2,073$1,711$1,131
18 years$3,355$2,776$2,284$1,868$1,521$976
19 years$3,145$2,573$2,091$1,688$1,356$844
20 years$2,957$2,391$1,919$1,529$1,211$731
21 years$2,786$2,227$1,765$1,388$1,084$635
22 years$2,632$2,079$1,627$1,262$972$551
23 years$2,491$1,945$1,502$1,149$872$479
24 years$2,362$1,822$1,389$1,048$784$417
25 years$2,243$1,710$1,286$957$705$363
26 years$2,134$1,607$1,193$875$635$317
27 years$2,033$1,512$1,108$801$573$276
28 years$1,939$1,425$1,030$734$517$241
29 years$1,852$1,344$958$673$467$210
30 years$1,771$1,270$893$618$422$184
31 years$1,695$1,200$832$567$381$160
32 years$1,624$1,136$777$521$345$140
33 years$1,558$1,075$725$479$312$123
34 years$1,496$1,019$677$441$283$107
35 years$1,437$967$633$406$256$94
36 years$1,382$918$593$374$232$82
37 years$1,330$872$555$345$210$72
38 years$1,280$828$519$318$191$63
39 years$1,234$788$487$293$173$55
40 years$1,189$749$456$270$157$48
41 years$1,147$713$428$249$142$42
42 years$1,108$679$401$230$129$37
43 years$1,070$647$376$212$117$32
44 years$1,034$617$353$196$106$28
45 years$999$588$332$181$97$25
46 years$967$561$312$167$88$22
47 years$935$536$293$154$80$19
48 years$905$511$275$143$72$17
49 years$877$488$259$132$66$14
50 years$849$466$243$122$60$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $870,000, adding $3,669 every year, while hoping to spend $33,989 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: 72/22/6 Blend
34$870,000$870,000$870,000$870,000
35$962,525$916,415$902,930$1,030,860
36$1,024,538$925,155$897,014$1,085,159
37$1,091,738$933,184$889,760$1,139,979
38$1,164,617$940,432$881,089$1,199,041
39$1,243,717$946,823$870,915$1,262,751
40$1,329,636$952,277$859,150$1,331,559
41$1,423,029$956,708$845,702$1,405,960
42$1,524,617$960,026$830,472$1,486,501
43$1,635,195$962,135$813,361$1,573,782
44$1,755,637$962,932$794,260$1,668,467
45$1,886,904$962,307$773,060$1,771,287
46$2,030,055$960,146$749,644$1,883,047
47$2,186,253$956,326$723,889$2,004,636
48$2,356,781$950,717$695,670$2,137,034
49$2,543,051$943,180$664,853$2,281,320
50$2,746,615$933,568$631,298$2,438,684
51$2,969,184$921,727$594,861$2,610,438
52$3,212,641$907,492$555,389$2,798,030
53$3,479,059$890,688$512,724$3,003,055
54$3,770,722$871,131$466,699$3,227,271
55$4,090,144$848,625$417,142$3,472,618
56$4,440,094$822,962$363,871$3,741,233
57$4,823,620$793,924$306,697$4,035,474
58$5,244,081$761,278$245,423$4,357,939
59$5,705,175$724,778$179,842$4,711,494
60$6,210,976$684,166$109,740$5,099,298
61$6,765,970$639,165$34,891$5,524,833
62$7,375,101$589,485$0$5,991,939
63$8,043,811$534,820$0$6,507,731
64$8,778,098$474,845$0$7,076,566
65$9,584,567$409,215$0$7,701,371
66$10,470,496$337,570$0$8,387,836
67$11,443,902$259,526$0$9,142,234
68$12,513,615$174,678$0$9,971,478
69$13,689,366$82,600$0$10,883,190
70$14,981,874$0$0$11,885,772
71$16,402,947$0$0$12,992,636
72$17,965,596$0$0$14,231,808
73$19,684,157$0$0$15,594,664
74$21,574,422$0$0$17,093,735
75$23,653,793$0$0$18,742,826
76$25,941,440$0$0$20,557,148
77$28,458,489$0$0$22,553,462
78$31,228,214$0$0$24,750,233
79$34,276,261$0$0$27,167,810
80$37,630,885$0$0$29,828,610
81$41,323,222$0$0$32,757,337
82$45,387,578$0$0$35,981,209
83$49,861,754$0$0$39,530,219
84$54,787,402$0$0$43,437,415
85$60,210,418$0$0$47,739,210
86$66,181,376$0$0$52,475,731
87$72,755,999$0$0$57,691,191
88$79,995,695$0$0$63,434,311
89$87,968,125$0$0$69,758,775
90$96,747,847$0$0$76,723,741
91$106,417,022$0$0$84,394,394
92$117,066,180$0$0$92,842,567
93$128,795,083$0$0$102,147,411
94$141,713,661$0$0$112,396,149
95$155,943,050$0$0$123,684,894
96$171,616,737$0$0$136,119,558
97$188,881,816$0$0$149,816,849
98$207,900,379$0$0$164,905,377
99$228,851,042$0$0$181,526,862
100$251,930,635$0$0$199,837,474