Can I retire at age 35 with 859,000?

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 $859,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$70,935$70,304$69,687$69,085$68,498$66,332
2 years$35,117$34,463$33,829$33,214$32,618$30,455
3 years$23,178$22,522$21,889$21,281$20,694$18,603
4 years$17,211$16,556$15,930$15,331$14,759$12,755
5 years$13,631$12,980$12,362$11,776$11,220$9,308
6 years$11,245$10,599$9,991$9,417$8,878$7,061
7 years$9,542$8,901$8,302$7,743$7,220$5,497
8 years$8,265$7,630$7,041$6,495$5,990$4,360
9 years$7,272$6,643$6,064$5,532$5,044$3,505
10 years$6,478$5,856$5,287$4,769$4,298$2,848
11 years$5,829$5,213$4,655$4,150$3,696$2,333
12 years$5,289$4,679$4,131$3,640$3,203$1,923
13 years$4,832$4,228$3,691$3,214$2,793$1,593
14 years$4,441$3,843$3,316$2,853$2,449$1,325
15 years$4,102$3,511$2,994$2,544$2,156$1,106
16 years$3,806$3,221$2,714$2,278$1,905$926
17 years$3,545$2,967$2,470$2,047$1,689$777
18 years$3,313$2,741$2,255$1,845$1,502$653
19 years$3,106$2,541$2,064$1,667$1,339$550
20 years$2,919$2,361$1,894$1,510$1,196$463
21 years$2,751$2,199$1,742$1,370$1,070$391
22 years$2,598$2,053$1,606$1,246$959$330
23 years$2,459$1,920$1,483$1,135$861$279
24 years$2,332$1,799$1,371$1,035$774$236
25 years$2,215$1,688$1,270$945$696$200
26 years$2,107$1,587$1,178$864$627$169
27 years$2,007$1,493$1,094$791$566$143
28 years$1,915$1,407$1,017$725$510$121
29 years$1,829$1,327$946$665$461$103
30 years$1,749$1,254$881$610$416$87
31 years$1,674$1,185$822$560$376$74
32 years$1,604$1,121$767$515$341$63
33 years$1,538$1,062$716$473$308$53
34 years$1,477$1,006$669$436$279$45
35 years$1,419$955$625$401$253$38
36 years$1,364$906$585$369$229$33
37 years$1,313$860$548$340$208$28
38 years$1,264$818$513$314$188$23
39 years$1,218$778$480$289$171$20
40 years$1,174$740$450$267$155$17
41 years$1,133$704$422$246$140$14
42 years$1,094$671$396$227$127$12
43 years$1,056$639$372$210$116$10
44 years$1,021$609$349$194$105$9
45 years$987$581$328$179$95$7
46 years$954$554$308$165$87$6
47 years$923$529$289$153$79$5
48 years$894$505$272$141$71$5
49 years$866$482$255$130$65$4
50 years$839$461$240$120$59$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $859,000, adding $5,775 every year, while hoping to spend $41,787 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: 69/25/6 Blend
34$859,000$859,000$859,000$859,000
35$952,575$907,048$893,733$1,017,108
36$1,005,277$907,032$879,212$1,060,544
37$1,061,953$905,615$862,804$1,102,370
38$1,122,966$902,684$844,402$1,146,975
39$1,188,712$898,119$823,893$1,194,625
40$1,259,628$891,794$801,160$1,245,609
41$1,336,191$883,573$776,080$1,300,249
42$1,418,928$873,313$748,525$1,358,900
43$1,508,417$860,864$718,359$1,421,953
44$1,605,294$846,065$685,442$1,489,841
45$1,710,258$828,746$649,628$1,563,043
46$1,824,076$808,727$610,763$1,642,085
47$1,947,594$785,817$568,686$1,727,550
48$2,081,741$759,814$523,229$1,820,081
49$2,227,540$730,506$474,218$1,920,390
50$2,386,113$697,665$421,469$2,029,260
51$2,558,699$661,053$364,791$2,147,558
52$2,746,659$620,417$303,983$2,276,240
53$2,951,490$575,489$238,839$2,416,362
54$3,174,841$525,988$169,139$2,569,091
55$3,418,526$471,612$94,657$2,735,713
56$3,684,543$412,048$15,155$2,917,650
57$3,975,089$346,961$0$3,116,470
58$4,292,584$275,999$0$3,338,367
59$4,639,694$198,789$0$3,582,116
60$5,019,350$114,937$0$3,848,873
61$5,434,783$24,028$0$4,140,986
62$5,889,549$0$0$4,461,043
63$6,387,564$0$0$4,832,363
64$6,933,142$0$0$5,246,433
65$7,531,030$0$0$5,700,256
66$8,186,461$0$0$6,197,808
67$8,905,194$0$0$6,743,467
68$9,693,576$0$0$7,342,059
69$10,558,593$0$0$7,998,896
70$11,507,946$0$0$8,719,830
71$12,550,112$0$0$9,511,309
72$13,694,432$0$0$10,380,434
73$14,951,195$0$0$11,335,026
74$16,331,736$0$0$12,383,705
75$17,848,541$0$0$13,535,962
76$19,515,365$0$0$14,802,258
77$21,347,364$0$0$16,194,112
78$23,361,231$0$0$17,724,220
79$25,575,360$0$0$19,406,565
80$28,010,016$0$0$21,256,555
81$30,687,525$0$0$23,291,166
82$33,632,486$0$0$25,529,100
83$36,871,999$0$0$27,990,963
84$40,435,926$0$0$30,699,461
85$44,357,168$0$0$33,679,607
86$48,671,975$0$0$36,958,966
87$53,420,290$0$0$40,567,907
88$58,646,121$0$0$44,539,893
89$64,397,961$0$0$48,911,793
90$70,729,242$0$0$53,724,236
91$77,698,838$0$0$59,021,986
92$85,371,622$0$0$64,854,370
93$93,819,076$0$0$71,275,740
94$103,119,967$0$0$78,345,985
95$113,361,086$0$0$86,131,100
96$124,638,070$0$0$94,703,801
97$137,056,302$0$0$104,144,218
98$150,731,905$0$0$114,540,649
99$165,792,841$0$0$125,990,387
100$182,380,109$0$0$138,600,646