Can I retire at age 35 with 870,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%14.7%
1 years$71,844$71,204$70,579$69,970$69,375$68,030
2 years$35,566$34,904$34,262$33,639$33,036$31,686
3 years$23,475$22,810$22,170$21,553$20,959$19,647
4 years$17,431$16,768$16,134$15,528$14,948$13,684
5 years$13,805$13,146$12,521$11,927$11,363$10,150
6 years$11,389$10,735$10,118$9,538$8,992$7,831
7 years$9,664$9,015$8,408$7,842$7,313$6,204
8 years$8,371$7,728$7,131$6,578$6,066$5,011
9 years$7,365$6,728$6,142$5,603$5,109$4,105
10 years$6,561$5,931$5,355$4,830$4,353$3,400
11 years$5,904$5,280$4,714$4,204$3,744$2,841
12 years$5,357$4,739$4,184$3,687$3,244$2,389
13 years$4,894$4,282$3,738$3,255$2,829$2,021
14 years$4,498$3,893$3,359$2,890$2,480$1,718
15 years$4,154$3,556$3,032$2,577$2,183$1,465
16 years$3,854$3,263$2,749$2,307$1,930$1,254
17 years$3,590$3,005$2,502$2,073$1,711$1,076
18 years$3,355$2,776$2,284$1,868$1,521$925
19 years$3,145$2,573$2,091$1,688$1,356$797
20 years$2,957$2,391$1,919$1,529$1,211$688
21 years$2,786$2,227$1,765$1,388$1,084$595
22 years$2,632$2,079$1,627$1,262$972$515
23 years$2,491$1,945$1,502$1,149$872$446
24 years$2,362$1,822$1,389$1,048$784$386
25 years$2,243$1,710$1,286$957$705$335
26 years$2,134$1,607$1,193$875$635$291
27 years$2,033$1,512$1,108$801$573$253
28 years$1,939$1,425$1,030$734$517$220
29 years$1,852$1,344$958$673$467$191
30 years$1,771$1,270$893$618$422$166
31 years$1,695$1,200$832$567$381$144
32 years$1,624$1,136$777$521$345$126
33 years$1,558$1,075$725$479$312$109
34 years$1,496$1,019$677$441$283$95
35 years$1,437$967$633$406$256$83
36 years$1,382$918$593$374$232$72
37 years$1,330$872$555$345$210$63
38 years$1,280$828$519$318$191$55
39 years$1,234$788$487$293$173$48
40 years$1,189$749$456$270$157$42
41 years$1,147$713$428$249$142$36
42 years$1,108$679$401$230$129$32
43 years$1,070$647$376$212$117$28
44 years$1,034$617$353$196$106$24
45 years$999$588$332$181$97$21
46 years$967$561$312$167$88$18
47 years$935$536$293$154$80$16
48 years$905$511$275$143$72$14
49 years$877$488$259$132$66$12
50 years$849$466$243$122$60$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $870,000, adding $5,803 every year, while hoping to spend $46,631 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: 45/44/11 Blend
34$870,000$870,000$870,000$870,000
35$964,726$918,616$905,131$1,004,878
36$1,013,513$914,013$885,838$1,028,709
37$1,065,713$907,622$864,335$1,049,312
38$1,121,626$899,305$840,501$1,070,606
39$1,181,579$888,918$814,204$1,092,671
40$1,245,932$876,307$785,312$1,115,600
41$1,315,079$861,309$753,683$1,139,498
42$1,389,455$843,750$719,169$1,164,483
43$1,469,534$823,449$681,616$1,190,689
44$1,555,840$800,211$640,863$1,218,267
45$1,648,946$773,832$596,742$1,247,389
46$1,749,483$744,094$549,077$1,278,248
47$1,858,143$710,767$497,684$1,311,059
48$1,975,688$673,610$442,371$1,346,067
49$2,102,955$632,364$382,938$1,383,546
50$2,240,865$586,758$319,174$1,423,803
51$2,390,429$536,504$250,862$1,467,183
52$2,552,759$481,300$177,773$1,514,070
53$2,729,081$420,823$99,668$1,564,898
54$2,920,739$354,736$16,299$1,620,148
55$3,129,215$282,678$0$1,680,361
56$3,356,138$204,273$0$1,754,669
57$3,603,302$119,119$0$1,837,810
58$3,872,678$26,796$0$1,928,653
59$4,166,439$0$0$2,028,070
60$4,486,974$0$0$2,172,441
61$4,836,913$0$0$2,344,318
62$5,219,153$0$0$2,532,160
63$5,636,881$0$0$2,737,546
64$6,093,606$0$0$2,962,216
65$6,593,193$0$0$3,208,084
66$7,139,896$0$0$3,477,257
67$7,738,399$0$0$3,772,057
68$8,393,863$0$0$4,095,041
69$9,111,967$0$0$4,449,024
70$9,898,969$0$0$4,837,106
71$10,761,759$0$0$5,262,702
72$11,707,926$0$0$5,729,573
73$12,745,829$0$0$6,241,863
74$13,884,674$0$0$6,804,134
75$15,134,603$0$0$7,421,414
76$16,506,786$0$0$8,099,238
77$18,013,528$0$0$8,843,708
78$19,668,383$0$0$9,661,541
79$21,486,284$0$0$10,560,139
80$23,483,681$0$0$11,547,659
81$25,678,694$0$0$12,633,082
82$28,091,289$0$0$13,826,307
83$30,743,459$0$0$15,138,237
84$33,659,437$0$0$16,580,886
85$36,865,919$0$0$18,167,489
86$40,392,319$0$0$19,912,630
87$44,271,043$0$0$21,832,375
88$48,537,796$0$0$23,944,426
89$53,231,918$0$0$26,268,289
90$58,396,753$0$0$28,825,454
91$64,080,059$0$0$31,639,600
92$70,334,458$0$0$34,736,819
93$77,217,930$0$0$38,145,858
94$84,794,361$0$0$41,898,395
95$93,134,144$0$0$46,029,333
96$102,314,844$0$0$50,577,132
97$112,421,927$0$0$55,584,169
98$123,549,569$0$0$61,097,142
99$135,801,539$0$0$67,167,505
100$149,292,182$0$0$73,851,956