Can I retire at age 35 with 860,000?

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 $860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.7%
1 years$71,018$70,385$69,768$69,166$68,578$65,909
2 years$35,157$34,503$33,868$33,253$32,656$29,999
3 years$23,205$22,548$21,915$21,305$20,718$18,158
4 years$17,231$16,575$15,948$15,349$14,776$12,331
5 years$13,647$12,995$12,377$11,790$11,233$8,909
6 years$11,258$10,611$10,002$9,428$8,888$6,688
7 years$9,553$8,911$8,312$7,752$7,228$5,150
8 years$8,274$7,639$7,049$6,503$5,997$4,039
9 years$7,280$6,651$6,071$5,539$5,050$3,210
10 years$6,486$5,862$5,293$4,774$4,303$2,577
11 years$5,836$5,219$4,660$4,155$3,701$2,085
12 years$5,295$4,684$4,136$3,645$3,207$1,697
13 years$4,838$4,233$3,695$3,218$2,796$1,388
14 years$4,446$3,848$3,320$2,856$2,451$1,139
15 years$4,107$3,515$2,997$2,547$2,158$938
16 years$3,810$3,225$2,718$2,281$1,908$775
17 years$3,549$2,970$2,473$2,049$1,691$641
18 years$3,317$2,745$2,257$1,847$1,504$531
19 years$3,109$2,544$2,067$1,669$1,340$441
20 years$2,923$2,364$1,897$1,511$1,197$366
21 years$2,754$2,202$1,745$1,372$1,071$304
22 years$2,601$2,055$1,608$1,247$960$253
23 years$2,462$1,922$1,485$1,136$862$211
24 years$2,334$1,801$1,373$1,036$775$176
25 years$2,217$1,690$1,272$946$697$147
26 years$2,109$1,588$1,179$865$628$122
27 years$2,009$1,495$1,095$792$566$102
28 years$1,917$1,409$1,018$725$511$85
29 years$1,831$1,329$947$665$461$71
30 years$1,751$1,255$882$611$417$59
31 years$1,676$1,186$823$561$377$49
32 years$1,606$1,123$768$515$341$41
33 years$1,540$1,063$717$474$309$34
34 years$1,479$1,008$670$436$279$29
35 years$1,421$956$626$401$253$24
36 years$1,366$907$586$370$229$20
37 years$1,314$861$548$341$208$17
38 years$1,266$819$513$314$188$14
39 years$1,219$779$481$289$171$12
40 years$1,176$741$451$267$155$10
41 years$1,134$705$423$246$141$8
42 years$1,095$671$397$227$128$7
43 years$1,057$640$372$210$116$6
44 years$1,022$610$349$194$105$5
45 years$988$582$328$179$95$4
46 years$955$555$308$165$87$3
47 years$925$529$289$153$79$3
48 years$895$505$272$141$71$2
49 years$867$483$256$130$65$2
50 years$840$461$240$121$59$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $860,000, adding $5,926 every year, while hoping to spend $33,625 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: 41/47/12 Blend
34$860,000$860,000$860,000$860,000
35$953,833$908,253$894,923$989,324
36$1,015,347$916,980$889,126$1,023,586
37$1,082,009$925,009$882,008$1,056,858
38$1,154,307$932,268$873,489$1,092,127
39$1,232,781$938,684$863,486$1,129,588
40$1,318,023$944,177$851,910$1,169,460
41$1,410,683$948,664$838,671$1,211,984
42$1,511,479$952,054$823,673$1,257,428
43$1,621,199$954,254$806,814$1,306,088
44$1,740,709$955,161$787,991$1,358,295
45$1,870,966$954,668$767,093$1,414,412
46$2,013,018$952,660$744,005$1,474,843
47$2,168,024$949,018$718,606$1,540,038
48$2,337,254$943,613$690,772$1,610,492
49$2,522,112$936,307$660,370$1,686,754
50$2,724,138$926,956$627,263$1,769,434
51$2,945,031$915,408$591,307$1,859,205
52$3,186,660$901,500$552,353$1,956,813
53$3,451,085$885,058$510,242$2,063,084
54$3,740,571$865,902$464,811$2,178,933
55$4,057,616$843,838$415,888$2,305,370
56$4,404,968$818,661$363,296$2,443,514
57$4,785,654$790,155$306,845$2,594,605
58$5,203,008$758,090$246,343$2,760,011
59$5,660,703$722,225$181,583$2,941,246
60$6,162,784$682,302$112,355$3,139,985
61$6,713,703$638,051$38,434$3,358,080
62$7,318,370$589,184$0$3,597,579
63$7,982,189$535,399$0$3,865,922
64$8,711,113$476,375$0$4,166,020
65$9,511,702$411,773$0$4,495,744
66$10,391,181$341,235$0$4,858,180
67$11,357,510$264,383$0$5,256,738
68$12,419,456$180,818$0$5,695,184
69$13,586,680$90,118$0$6,177,674
70$14,869,825$0$0$6,708,797
71$16,280,616$0$0$7,297,839
72$17,831,971$0$0$7,996,943
73$19,538,122$0$0$8,765,929
74$21,414,750$0$0$9,611,881
75$23,479,132$0$0$10,542,602
76$25,750,304$0$0$11,566,692
77$28,249,238$0$0$12,693,625
78$30,999,044$0$0$13,933,839
79$34,025,185$0$0$15,298,837
80$37,355,715$0$0$16,801,293
81$41,021,549$0$0$18,455,172
82$45,056,747$0$0$20,275,861
83$49,498,842$0$0$22,280,315
84$54,389,189$0$0$24,487,218
85$59,773,358$0$0$26,917,156
86$65,701,561$0$0$29,592,813
87$72,229,127$0$0$32,539,185
88$79,417,025$0$0$35,783,816
89$87,332,434$0$0$39,357,057
90$96,049,384$0$0$43,292,353
91$105,649,447$0$0$47,626,556
92$116,222,512$0$0$52,400,277
93$127,867,630$0$0$57,658,266
94$140,693,948$0$0$63,449,834
95$154,821,740$0$0$69,829,320
96$170,383,544$0$0$76,856,604
97$187,525,405$0$0$84,597,668
98$206,408,263$0$0$93,125,224
99$227,209,464$0$0$102,519,396
100$250,124,435$0$0$112,868,479