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%14.4%
1 years$71,844$71,204$70,579$69,970$69,375$68,114
2 years$35,566$34,904$34,262$33,639$33,036$31,769
3 years$23,475$22,810$22,170$21,553$20,959$19,727
4 years$17,431$16,768$16,134$15,528$14,948$13,761
5 years$13,805$13,146$12,521$11,927$11,363$10,223
6 years$11,389$10,735$10,118$9,538$8,992$7,900
7 years$9,664$9,015$8,408$7,842$7,313$6,270
8 years$8,371$7,728$7,131$6,578$6,066$5,072
9 years$7,365$6,728$6,142$5,603$5,109$4,163
10 years$6,561$5,931$5,355$4,830$4,353$3,454
11 years$5,904$5,280$4,714$4,204$3,744$2,891
12 years$5,357$4,739$4,184$3,687$3,244$2,437
13 years$4,894$4,282$3,738$3,255$2,829$2,066
14 years$4,498$3,893$3,359$2,890$2,480$1,759
15 years$4,154$3,556$3,032$2,577$2,183$1,504
16 years$3,854$3,263$2,749$2,307$1,930$1,290
17 years$3,590$3,005$2,502$2,073$1,711$1,109
18 years$3,355$2,776$2,284$1,868$1,521$956
19 years$3,145$2,573$2,091$1,688$1,356$825
20 years$2,957$2,391$1,919$1,529$1,211$714
21 years$2,786$2,227$1,765$1,388$1,084$618
22 years$2,632$2,079$1,627$1,262$972$536
23 years$2,491$1,945$1,502$1,149$872$466
24 years$2,362$1,822$1,389$1,048$784$405
25 years$2,243$1,710$1,286$957$705$352
26 years$2,134$1,607$1,193$875$635$306
27 years$2,033$1,512$1,108$801$573$267
28 years$1,939$1,425$1,030$734$517$232
29 years$1,852$1,344$958$673$467$202
30 years$1,771$1,270$893$618$422$176
31 years$1,695$1,200$832$567$381$154
32 years$1,624$1,136$777$521$345$134
33 years$1,558$1,075$725$479$312$117
34 years$1,496$1,019$677$441$283$102
35 years$1,437$967$633$406$256$89
36 years$1,382$918$593$374$232$78
37 years$1,330$872$555$345$210$68
38 years$1,280$828$519$318$191$59
39 years$1,234$788$487$293$173$52
40 years$1,189$749$456$270$157$45
41 years$1,147$713$428$249$142$40
42 years$1,108$679$401$230$129$35
43 years$1,070$647$376$212$117$30
44 years$1,034$617$353$196$106$26
45 years$999$588$332$181$97$23
46 years$967$561$312$167$88$20
47 years$935$536$293$154$80$18
48 years$905$511$275$143$72$15
49 years$877$488$259$132$66$13
50 years$849$466$243$122$60$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $870,000, adding $5,310 every year, while hoping to spend $59,777 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: 70/17/13 Blend
34$870,000$870,000$870,000$870,000
35$964,217$918,107$904,622$1,028,603
36$998,965$899,492$871,325$1,053,423
37$1,035,254$877,962$834,908$1,072,852
38$1,073,177$853,309$795,206$1,092,550
39$1,112,838$825,318$752,041$1,112,532
40$1,154,344$793,755$705,232$1,132,817
41$1,197,816$758,378$654,586$1,153,429
42$1,243,383$718,929$599,904$1,174,394
43$1,291,185$675,132$540,977$1,195,744
44$1,341,373$626,701$477,587$1,217,515
45$1,394,112$573,329$409,506$1,239,749
46$1,449,582$514,693$336,495$1,262,495
47$1,507,979$450,452$258,306$1,285,811
48$1,569,513$380,245$174,681$1,309,760
49$1,634,418$303,691$85,347$1,334,417
50$1,702,944$220,387$0$1,359,868
51$1,775,367$129,909$0$1,387,594
52$1,851,987$31,807$0$1,429,044
53$1,933,132$0$0$1,472,535
54$2,019,159$0$0$1,532,170
55$2,110,460$0$0$1,601,799
56$2,207,462$0$0$1,675,800
57$2,310,632$0$0$1,754,534
58$2,420,483$0$0$1,838,395
59$2,537,575$0$0$1,927,814
60$2,662,522$0$0$2,023,263
61$2,795,996$0$0$2,125,261
62$2,938,735$0$0$2,234,375
63$3,091,545$0$0$2,351,227
64$3,255,313$0$0$2,476,500
65$3,431,012$0$0$2,610,942
66$3,619,706$0$0$2,755,376
67$3,822,568$0$0$2,910,702
68$4,040,882$0$0$3,077,911
69$4,276,058$0$0$3,258,090
70$4,529,647$0$0$3,452,435
71$4,803,352$0$0$3,662,255
72$5,099,042$0$0$3,888,995
73$5,418,773$0$0$4,134,237
74$5,764,806$0$0$4,399,724
75$6,139,623$0$0$4,687,369
76$6,545,956$0$0$4,999,280
77$6,986,808$0$0$5,337,769
78$7,465,482$0$0$5,705,385
79$7,985,610$0$0$6,104,926
80$8,551,188$0$0$6,539,476
81$9,166,613$0$0$7,012,422
82$9,836,723$0$0$7,527,495
83$10,566,840$0$0$8,088,800
84$11,362,822$0$0$8,700,853
85$12,231,116$0$0$9,368,626
86$13,178,819$0$0$10,097,591
87$14,213,742$0$0$10,893,771
88$15,344,484$0$0$11,763,798
89$16,580,511$0$0$12,714,971
90$17,932,245$0$0$13,755,329
91$19,411,163$0$0$14,893,722
92$21,029,900$0$0$16,139,894
93$22,802,370$0$0$17,504,577
94$24,743,896$0$0$18,999,587
95$26,871,352$0$0$20,637,939
96$29,203,321$0$0$22,433,966
97$31,760,271$0$0$24,403,452
98$34,564,742$0$0$26,563,784
99$37,641,565$0$0$28,934,112
100$41,018,088$0$0$31,535,530