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%12.4%
1 years$71,844$71,204$70,579$69,970$69,375$68,679
2 years$35,566$34,904$34,262$33,639$33,036$32,335
3 years$23,475$22,810$22,170$21,553$20,959$20,275
4 years$17,431$16,768$16,134$15,528$14,948$14,286
5 years$13,805$13,146$12,521$11,927$11,363$10,725
6 years$11,389$10,735$10,118$9,538$8,992$8,378
7 years$9,664$9,015$8,408$7,842$7,313$6,724
8 years$8,371$7,728$7,131$6,578$6,066$5,503
9 years$7,365$6,728$6,142$5,603$5,109$4,570
10 years$6,561$5,931$5,355$4,830$4,353$3,839
11 years$5,904$5,280$4,714$4,204$3,744$3,253
12 years$5,357$4,739$4,184$3,687$3,244$2,777
13 years$4,894$4,282$3,738$3,255$2,829$2,385
14 years$4,498$3,893$3,359$2,890$2,480$2,058
15 years$4,154$3,556$3,032$2,577$2,183$1,784
16 years$3,854$3,263$2,749$2,307$1,930$1,551
17 years$3,590$3,005$2,502$2,073$1,711$1,353
18 years$3,355$2,776$2,284$1,868$1,521$1,183
19 years$3,145$2,573$2,091$1,688$1,356$1,036
20 years$2,957$2,391$1,919$1,529$1,211$910
21 years$2,786$2,227$1,765$1,388$1,084$800
22 years$2,632$2,079$1,627$1,262$972$705
23 years$2,491$1,945$1,502$1,149$872$621
24 years$2,362$1,822$1,389$1,048$784$548
25 years$2,243$1,710$1,286$957$705$484
26 years$2,134$1,607$1,193$875$635$428
27 years$2,033$1,512$1,108$801$573$379
28 years$1,939$1,425$1,030$734$517$335
29 years$1,852$1,344$958$673$467$297
30 years$1,771$1,270$893$618$422$263
31 years$1,695$1,200$832$567$381$233
32 years$1,624$1,136$777$521$345$207
33 years$1,558$1,075$725$479$312$184
34 years$1,496$1,019$677$441$283$163
35 years$1,437$967$633$406$256$145
36 years$1,382$918$593$374$232$129
37 years$1,330$872$555$345$210$114
38 years$1,280$828$519$318$191$101
39 years$1,234$788$487$293$173$90
40 years$1,189$749$456$270$157$80
41 years$1,147$713$428$249$142$71
42 years$1,108$679$401$230$129$63
43 years$1,070$647$376$212$117$56
44 years$1,034$617$353$196$106$50
45 years$999$588$332$181$97$44
46 years$967$561$312$167$88$40
47 years$935$536$293$154$80$35
48 years$905$511$275$143$72$31
49 years$877$488$259$132$66$28
50 years$849$466$243$122$60$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $870,000, adding $5,711 every year, while hoping to spend $51,551 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: 68/5/27 Blend
34$870,000$870,000$870,000$870,000
35$964,631$918,521$905,036$1,023,102
36$1,008,173$908,679$880,505$1,053,280
37$1,054,429$896,626$853,424$1,079,894
38$1,103,621$882,201$823,654$1,107,836
39$1,155,993$865,231$791,048$1,137,241
40$1,211,809$845,533$755,454$1,168,256
41$1,271,364$822,913$716,711$1,201,044
42$1,334,975$797,168$674,653$1,235,789
43$1,402,993$768,080$629,105$1,272,691
44$1,475,803$735,420$579,884$1,311,978
45$1,553,824$698,946$526,800$1,353,897
46$1,637,520$658,400$469,654$1,398,727
47$1,727,397$613,511$408,237$1,446,775
48$1,824,011$563,993$342,332$1,498,383
49$1,927,973$509,541$271,713$1,553,929
50$2,039,953$449,836$196,143$1,613,832
51$2,160,688$384,538$115,373$1,678,559
52$2,290,987$313,289$29,147$1,748,624
53$2,431,739$235,711$0$1,824,599
54$2,583,919$151,404$0$1,925,229
55$2,748,603$59,947$0$2,043,241
56$2,926,970$0$0$2,171,090
57$3,120,318$0$0$2,311,873
58$3,330,073$0$0$2,468,225
59$3,557,805$0$0$2,638,021
60$3,805,239$0$0$2,822,555
61$4,074,275$0$0$3,023,248
62$4,367,001$0$0$3,241,665
63$4,685,715$0$0$3,479,527
64$5,032,947$0$0$3,738,728
65$5,411,478$0$0$4,021,352
66$5,824,373$0$0$4,329,694
67$6,275,002$0$0$4,666,280
68$6,767,077$0$0$5,033,888
69$7,304,681$0$0$5,435,579
70$7,892,314$0$0$5,874,722
71$8,534,925$0$0$6,355,026
72$9,237,967$0$0$6,880,575
73$10,007,442$0$0$7,455,867
74$10,849,960$0$0$8,085,852
75$11,772,801$0$0$8,775,985
76$12,783,980$0$0$9,532,271
77$13,892,326$0$0$10,361,323
78$15,107,561$0$0$11,270,427
79$16,440,394$0$0$12,267,605
80$17,902,619$0$0$13,361,695
81$19,507,228$0$0$14,562,430
82$21,268,532$0$0$15,880,532
83$23,202,292$0$0$17,327,812
84$25,325,875$0$0$18,917,279
85$27,658,406$0$0$20,663,266
86$30,220,958$0$0$22,581,560
87$33,036,745$0$0$24,689,556
88$36,131,339$0$0$27,006,415
89$39,532,914$0$0$29,553,248
90$43,272,510$0$0$32,353,310
91$47,384,322$0$0$35,432,227
92$51,906,027$0$0$38,818,227
93$56,879,134$0$0$42,542,415
94$62,349,376$0$0$46,639,059
95$68,367,143$0$0$51,145,916
96$74,987,953$0$0$56,104,587
97$82,272,978$0$0$61,560,909
98$90,289,617$0$0$67,565,386
99$99,112,135$0$0$74,173,666
100$108,822,358$0$0$81,447,063