Can I retire at age 35 with 854,000?

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 $854,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$70,523$69,894$69,281$68,683$68,099$67,360
2 years$34,912$34,262$33,632$33,021$32,428$31,684
3 years$23,044$22,391$21,762$21,157$20,574$19,848
4 years$17,110$16,459$15,837$15,242$14,673$13,971
5 years$13,551$12,904$12,290$11,708$11,154$10,477
6 years$11,180$10,537$9,932$9,363$8,826$8,176
7 years$9,486$8,849$8,254$7,697$7,178$6,554
8 years$8,217$7,585$7,000$6,457$5,955$5,358
9 years$7,230$6,605$6,029$5,500$5,015$4,444
10 years$6,441$5,822$5,256$4,741$4,273$3,729
11 years$5,795$5,183$4,628$4,126$3,675$3,156
12 years$5,258$4,652$4,107$3,619$3,185$2,691
13 years$4,804$4,204$3,669$3,195$2,777$2,308
14 years$4,415$3,821$3,297$2,836$2,434$1,989
15 years$4,078$3,491$2,977$2,530$2,143$1,721
16 years$3,784$3,203$2,699$2,265$1,894$1,495
17 years$3,524$2,949$2,456$2,035$1,680$1,302
18 years$3,294$2,725$2,242$1,834$1,493$1,137
19 years$3,088$2,526$2,052$1,657$1,331$995
20 years$2,902$2,347$1,883$1,501$1,189$872
21 years$2,735$2,186$1,732$1,362$1,064$766
22 years$2,583$2,041$1,597$1,239$954$673
23 years$2,445$1,909$1,474$1,128$856$593
24 years$2,318$1,788$1,363$1,029$770$522
25 years$2,202$1,678$1,263$940$692$461
26 years$2,094$1,577$1,171$859$624$407
27 years$1,995$1,484$1,088$786$562$359
28 years$1,903$1,399$1,011$720$507$317
29 years$1,818$1,320$941$661$458$281
30 years$1,738$1,246$876$606$414$248
31 years$1,664$1,178$817$557$374$220
32 years$1,595$1,115$762$512$339$195
33 years$1,529$1,056$712$471$306$172
34 years$1,468$1,001$665$433$277$153
35 years$1,411$949$622$399$251$135
36 years$1,356$901$582$367$228$120
37 years$1,305$855$544$338$206$106
38 years$1,257$813$510$312$187$94
39 years$1,211$773$478$287$170$84
40 years$1,168$736$448$265$154$74
41 years$1,126$700$420$245$140$66
42 years$1,087$667$394$226$127$58
43 years$1,050$635$369$208$115$52
44 years$1,015$606$347$192$104$46
45 years$981$577$326$178$95$41
46 years$949$551$306$164$86$36
47 years$918$526$287$152$78$32
48 years$889$502$270$140$71$29
49 years$861$479$254$130$64$25
50 years$834$458$239$120$59$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $854,000, adding $6,379 every year, while hoping to spend $37,639 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: 68/21/11 Blend
34$854,000$854,000$854,000$854,000
35$947,688$902,426$889,189$1,009,494
36$1,004,305$906,597$878,929$1,055,558
37$1,065,434$909,711$867,064$1,100,809
38$1,131,498$911,677$853,500$1,149,314
39$1,202,959$912,396$838,140$1,201,388
40$1,280,323$911,767$820,881$1,257,376
41$1,364,151$909,678$801,615$1,317,662
42$1,455,056$906,014$780,231$1,382,667
43$1,553,714$900,651$756,611$1,452,858
44$1,660,868$893,458$730,632$1,528,747
45$1,777,335$884,295$702,166$1,610,903
46$1,904,013$873,016$671,079$1,699,951
47$2,041,893$859,464$637,231$1,796,582
48$2,192,062$843,474$600,474$1,901,559
49$2,355,717$824,870$560,655$2,015,724
50$2,534,178$803,466$517,615$2,140,004
51$2,728,895$779,066$471,185$2,275,426
52$2,941,463$751,461$421,191$2,423,119
53$3,173,642$720,432$367,451$2,584,332
54$3,427,366$685,746$309,772$2,760,443
55$3,704,764$647,155$247,957$2,952,969
56$4,008,184$604,399$181,797$3,163,589
57$4,340,206$557,202$111,075$3,394,152
58$4,703,676$505,273$35,564$3,646,699
59$5,101,723$448,304$0$3,923,482
60$5,537,797$385,969$0$4,232,270
61$6,015,694$317,924$0$4,575,317
62$6,539,598$243,805$0$4,951,499
63$7,114,115$163,230$0$5,364,183
64$7,744,318$75,791$0$5,817,082
65$8,435,796$0$0$6,314,289
66$9,194,703$0$0$6,864,692
67$10,027,821$0$0$7,488,195
68$10,942,616$0$0$8,172,879
69$11,947,318$0$0$8,924,910
70$13,050,989$0$0$9,751,077
71$14,263,613$0$0$10,658,861
72$15,596,190$0$0$11,656,504
73$17,060,836$0$0$12,753,086
74$18,670,902$0$0$13,958,609
75$20,441,096$0$0$15,284,094
76$22,387,621$0$0$16,741,682
77$24,528,330$0$0$18,344,751
78$26,882,892$0$0$20,108,038
79$29,472,978$0$0$22,047,782
80$32,322,467$0$0$24,181,874
81$35,457,665$0$0$26,530,029
82$38,907,560$0$0$29,113,966
83$42,704,091$0$0$31,957,617
84$46,882,449$0$0$35,087,353
85$51,481,409$0$0$38,532,229
86$56,543,697$0$0$42,324,260
87$62,116,390$0$0$46,498,723
88$68,251,364$0$0$51,094,489
89$75,005,776$0$0$56,154,389
90$82,442,611$0$0$61,725,619
91$90,631,269$0$0$67,860,185
92$99,648,226$0$0$74,615,391
93$109,577,748$0$0$82,054,381
94$120,512,691$0$0$90,246,738
95$132,555,376$0$0$99,269,134
96$145,818,552$0$0$109,206,057
97$160,426,461$0$0$120,150,607
98$176,516,012$0$0$132,205,376
99$194,238,067$0$0$145,483,413
100$213,758,871$0$0$160,109,291