Can I retire at age 35 with 858,000?

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 $858,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$70,853$70,222$69,606$69,005$68,418$65,704
2 years$35,076$34,422$33,789$33,175$32,580$29,879
3 years$23,151$22,495$21,864$21,256$20,670$18,067
4 years$17,191$16,537$15,911$15,314$14,742$12,257
5 years$13,615$12,965$12,348$11,762$11,207$8,847
6 years$11,232$10,587$9,979$9,406$8,867$6,633
7 years$9,531$8,891$8,293$7,734$7,212$5,103
8 years$8,255$7,621$7,033$6,487$5,983$3,997
9 years$7,264$6,635$6,057$5,526$5,038$3,173
10 years$6,471$5,849$5,281$4,763$4,293$2,544
11 years$5,823$5,207$4,649$4,146$3,692$2,055
12 years$5,283$4,673$4,126$3,636$3,199$1,670
13 years$4,826$4,223$3,686$3,210$2,790$1,364
14 years$4,436$3,839$3,312$2,850$2,446$1,118
15 years$4,097$3,507$2,990$2,541$2,153$920
16 years$3,801$3,218$2,711$2,276$1,903$758
17 years$3,541$2,963$2,467$2,045$1,687$626
18 years$3,309$2,738$2,252$1,843$1,500$518
19 years$3,102$2,538$2,062$1,665$1,337$429
20 years$2,916$2,358$1,892$1,508$1,195$356
21 years$2,748$2,197$1,740$1,369$1,069$296
22 years$2,595$2,050$1,604$1,244$958$246
23 years$2,456$1,918$1,481$1,133$860$204
24 years$2,329$1,797$1,370$1,034$773$170
25 years$2,212$1,686$1,269$944$696$141
26 years$2,104$1,585$1,177$863$627$118
27 years$2,005$1,491$1,093$790$565$98
28 years$1,912$1,405$1,016$724$510$82
29 years$1,826$1,326$945$664$460$68
30 years$1,747$1,252$880$609$416$57
31 years$1,672$1,184$821$559$376$47
32 years$1,602$1,120$766$514$340$39
33 years$1,537$1,061$715$473$308$33
34 years$1,475$1,005$668$435$279$27
35 years$1,417$953$625$400$252$23
36 years$1,363$905$584$369$229$19
37 years$1,311$859$547$340$207$16
38 years$1,263$817$512$313$188$13
39 years$1,217$777$480$289$170$11
40 years$1,173$739$450$266$155$9
41 years$1,132$703$422$246$140$8
42 years$1,092$670$396$227$127$6
43 years$1,055$638$371$209$115$5
44 years$1,019$608$348$193$105$4
45 years$986$580$327$179$95$4
46 years$953$553$307$165$86$3
47 years$922$528$289$152$78$3
48 years$893$504$271$141$71$2
49 years$865$482$255$130$65$2
50 years$838$460$240$120$59$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $858,000, adding $6,106 every year, while hoping to spend $24,315 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: 63/31/6 Blend
34$858,000$858,000$858,000$858,000
35$951,814$906,340$893,041$1,010,404
36$1,023,028$924,880$897,087$1,068,745
37$1,100,691$943,513$900,454$1,128,998
38$1,185,435$962,219$903,092$1,194,147
39$1,277,956$980,974$904,952$1,264,666
40$1,379,020$999,754$905,980$1,341,074
41$1,489,469$1,018,531$906,120$1,423,945
42$1,610,233$1,037,277$905,313$1,513,909
43$1,742,333$1,055,960$903,497$1,611,664
44$1,886,894$1,074,545$900,608$1,717,974
45$2,045,157$1,092,997$896,578$1,833,685
46$2,218,485$1,111,276$891,335$1,959,727
47$2,408,381$1,129,339$884,805$2,097,123
48$2,616,500$1,147,141$876,911$2,247,005
49$2,844,665$1,164,633$867,569$2,410,616
50$3,094,883$1,181,763$856,695$2,589,328
51$3,369,366$1,198,473$844,199$2,784,652
52$3,670,548$1,214,705$829,986$2,998,254
53$4,001,112$1,230,394$813,959$3,231,968
54$4,364,013$1,245,471$796,014$3,487,818
55$4,762,505$1,259,862$776,044$3,768,033
56$5,200,175$1,273,490$753,935$4,075,070
57$5,680,972$1,286,269$729,571$4,411,636
58$6,209,247$1,298,112$702,827$4,780,717
59$6,789,794$1,308,923$673,576$5,185,600
60$7,427,893$1,318,601$641,681$5,629,912
61$8,129,363$1,327,038$607,002$6,117,647
62$8,900,614$1,334,118$569,392$6,653,210
63$9,748,706$1,339,720$528,697$7,241,454
64$10,681,422$1,343,713$484,756$7,887,728
65$11,707,332$1,345,961$437,400$8,597,929
66$12,835,882$1,346,315$386,455$9,378,555
67$14,077,478$1,344,620$331,737$10,236,770
68$15,443,585$1,340,711$273,055$11,180,467
69$16,946,837$1,334,412$210,208$12,218,348
70$18,601,152$1,325,536$142,988$13,360,003
71$20,421,868$1,313,886$71,177$14,616,002
72$22,425,884$1,299,252$0$15,997,997
73$24,631,822$1,281,412$0$17,519,176
74$27,060,197$1,260,131$0$19,198,229
75$29,733,618$1,235,159$0$21,046,210
76$32,676,997$1,206,231$0$23,080,326
77$35,917,783$1,173,068$0$25,319,544
78$39,486,222$1,135,374$0$27,784,768
79$43,415,644$1,092,835$0$30,499,034
80$47,742,775$1,045,119$0$33,487,731
81$52,508,083$991,875$0$36,778,841
82$57,756,163$932,732$0$40,403,204
83$63,536,152$867,297$0$44,394,807
84$69,902,200$795,154$0$48,791,107
85$76,913,973$715,866$0$53,633,387
86$84,637,222$628,967$0$58,967,144
87$93,144,401$533,969$0$64,842,520
88$102,515,348$430,352$0$71,314,776
89$112,838,044$317,569$0$78,444,814
90$124,209,438$195,043$0$86,299,756
91$136,736,364$62,164$0$94,953,574
92$150,536,550$0$0$104,487,791
93$165,739,728$0$0$115,020,128
94$182,488,855$0$0$126,646,918
95$200,941,469$0$0$139,456,324
96$221,271,170$0$0$153,568,869
97$243,669,262$0$0$169,117,366
98$268,346,554$0$0$186,248,171
99$295,535,356$0$0$205,122,564
100$325,491,665$0$0$225,918,273