Can I retire at age 35 with 857,000?

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 $857,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$70,770$70,140$69,525$68,925$68,338$67,681
2 years$35,035$34,382$33,750$33,137$32,542$31,880
3 years$23,125$22,469$21,838$21,231$20,646$20,000
4 years$17,171$16,517$15,893$15,296$14,725$14,099
5 years$13,599$12,950$12,333$11,749$11,194$10,590
6 years$11,219$10,574$9,967$9,395$8,857$8,277
7 years$9,519$8,880$8,283$7,725$7,203$6,647
8 years$8,245$7,612$7,025$6,480$5,976$5,443
9 years$7,255$6,628$6,050$5,519$5,032$4,523
10 years$6,463$5,842$5,275$4,758$4,288$3,801
11 years$5,816$5,201$4,644$4,141$3,688$3,224
12 years$5,277$4,668$4,121$3,632$3,196$2,754
13 years$4,821$4,218$3,682$3,206$2,787$2,366
14 years$4,430$3,834$3,308$2,846$2,443$2,044
15 years$4,092$3,503$2,987$2,538$2,151$1,772
16 years$3,797$3,214$2,708$2,273$1,901$1,542
17 years$3,536$2,960$2,464$2,042$1,686$1,346
18 years$3,305$2,735$2,250$1,840$1,499$1,178
19 years$3,098$2,535$2,059$1,663$1,336$1,033
20 years$2,913$2,355$1,890$1,506$1,193$907
21 years$2,745$2,194$1,738$1,367$1,068$798
22 years$2,592$2,048$1,602$1,243$957$703
23 years$2,453$1,915$1,479$1,132$859$621
24 years$2,326$1,795$1,368$1,032$772$548
25 years$2,209$1,684$1,267$943$695$485
26 years$2,102$1,583$1,175$862$626$429
27 years$2,002$1,490$1,091$789$564$380
28 years$1,910$1,404$1,015$723$509$336
29 years$1,824$1,324$944$663$460$298
30 years$1,744$1,251$879$608$415$265
31 years$1,670$1,182$820$559$376$235
32 years$1,600$1,119$765$514$340$208
33 years$1,535$1,059$714$472$307$185
34 years$1,473$1,004$667$435$278$164
35 years$1,416$952$624$400$252$146
36 years$1,361$904$584$368$228$130
37 years$1,310$858$546$339$207$115
38 years$1,261$816$512$313$188$103
39 years$1,215$776$479$288$170$91
40 years$1,172$738$449$266$154$81
41 years$1,130$703$421$245$140$72
42 years$1,091$669$395$227$127$64
43 years$1,054$638$371$209$115$57
44 years$1,018$608$348$193$105$51
45 years$984$580$327$178$95$45
46 years$952$553$307$165$86$40
47 years$921$528$288$152$78$36
48 years$892$504$271$141$71$32
49 years$864$481$255$130$65$28
50 years$837$459$239$120$59$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $857,000, adding $5,675 every year, while hoping to spend $23,449 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: 63/15/22 Blend
34$857,000$857,000$857,000$857,000
35$950,268$904,847$891,563$1,004,363
36$1,022,246$924,235$896,481$1,060,936
37$1,100,779$943,787$900,778$1,119,574
38$1,186,512$963,486$904,408$1,183,084
39$1,280,154$983,315$907,323$1,251,945
40$1,382,485$1,003,252$909,473$1,326,684
41$1,494,364$1,023,277$910,806$1,407,881
42$1,616,737$1,043,365$911,266$1,496,177
43$1,750,645$1,063,491$910,794$1,592,279
44$1,897,235$1,083,627$909,330$1,696,963
45$2,057,771$1,103,742$906,810$1,811,088
46$2,233,642$1,123,803$903,167$1,935,599
47$2,426,380$1,143,777$898,330$2,071,537
48$2,637,672$1,163,623$892,225$2,220,050
49$2,869,376$1,183,301$884,775$2,382,406
50$3,123,537$1,202,768$875,900$2,559,997
51$3,402,409$1,221,975$865,514$2,754,364
52$3,708,475$1,240,872$853,529$2,967,200
53$4,044,468$1,259,404$839,852$3,200,376
54$4,413,402$1,277,513$824,385$3,455,949
55$4,818,593$1,295,135$807,026$3,736,192
56$5,263,697$1,312,204$787,669$4,043,606
57$5,752,741$1,328,648$766,202$4,380,951
58$6,290,159$1,344,391$742,508$4,751,268
59$6,880,839$1,359,350$716,466$5,157,909
60$7,530,165$1,373,438$687,948$5,604,569
61$8,244,067$1,386,562$656,820$6,095,321
62$9,029,081$1,398,623$622,942$6,634,655
63$9,892,406$1,409,514$586,170$7,227,519
64$10,841,975$1,419,124$546,350$7,879,368
65$11,886,527$1,427,331$503,323$8,596,215
66$13,035,691$1,434,009$456,923$9,384,687
67$14,300,077$1,439,021$406,975$10,252,089
68$15,691,375$1,442,223$353,299$11,206,474
69$17,222,466$1,443,462$295,705$12,256,716
70$18,907,540$1,442,575$233,994$13,412,597
71$20,762,236$1,439,388$167,959$14,684,901
72$22,803,784$1,433,718$97,386$16,085,512
73$25,051,170$1,425,370$22,048$17,627,528
74$27,525,313$1,414,137$0$19,325,388
75$30,249,265$1,399,799$0$21,208,703
76$33,248,425$1,382,125$0$23,287,728
77$36,550,783$1,360,867$0$25,576,675
78$40,187,178$1,335,765$0$28,096,913
79$44,191,594$1,306,541$0$30,871,991
80$48,601,478$1,272,903$0$33,927,862
81$53,458,095$1,234,541$0$37,293,124
82$58,806,913$1,191,126$0$40,999,292
83$64,698,037$1,142,311$0$45,081,097
84$71,186,680$1,087,727$0$49,576,813
85$78,333,682$1,026,986$0$54,528,616
86$86,206,086$959,677$0$59,982,987
87$94,877,769$885,364$0$65,991,147
88$104,430,143$803,587$0$72,609,543
89$114,952,915$713,861$0$79,900,380
90$126,544,944$615,672$0$87,932,208
91$139,315,165$508,477$0$96,780,572
92$153,383,622$391,702$0$106,528,722
93$168,882,598$264,742$0$117,268,402
94$185,957,866$126,957$0$129,100,714
95$204,770,062$0$0$142,137,074
96$225,496,204$0$0$156,503,952
97$248,331,359$0$0$172,355,942
98$273,490,489$0$0$189,821,326
99$301,210,473$0$0$209,064,559
100$331,752,351$0$0$230,266,867