Can I retire at age 35 with 861,000?

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 $861,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$71,101$70,467$69,849$69,246$68,657$66,566
2 years$35,198$34,543$33,907$33,291$32,694$30,605
3 years$23,232$22,574$21,940$21,330$20,742$18,721
4 years$17,251$16,594$15,967$15,367$14,794$12,856
5 years$13,663$13,010$12,391$11,803$11,246$9,397
6 years$11,271$10,624$10,014$9,439$8,898$7,139
7 years$9,564$8,922$8,322$7,761$7,237$5,568
8 years$8,284$7,648$7,057$6,510$6,004$4,424
9 years$7,289$6,659$6,078$5,545$5,056$3,563
10 years$6,493$5,869$5,299$4,780$4,308$2,900
11 years$5,843$5,225$4,665$4,160$3,705$2,380
12 years$5,301$4,690$4,140$3,649$3,211$1,966
13 years$4,843$4,238$3,699$3,221$2,800$1,632
14 years$4,451$3,852$3,324$2,860$2,454$1,361
15 years$4,111$3,519$3,001$2,550$2,161$1,138
16 years$3,815$3,229$2,721$2,284$1,910$955
17 years$3,553$2,974$2,476$2,052$1,693$803
18 years$3,321$2,748$2,260$1,849$1,506$676
19 years$3,113$2,547$2,069$1,671$1,342$571
20 years$2,926$2,366$1,899$1,513$1,199$482
21 years$2,758$2,204$1,747$1,373$1,073$408
22 years$2,605$2,058$1,610$1,249$962$345
23 years$2,465$1,924$1,486$1,137$863$293
24 years$2,337$1,803$1,375$1,037$776$248
25 years$2,220$1,692$1,273$947$698$210
26 years$2,112$1,590$1,181$866$629$179
27 years$2,012$1,497$1,096$793$567$152
28 years$1,919$1,410$1,019$726$512$129
29 years$1,833$1,330$949$666$462$109
30 years$1,753$1,256$884$611$417$93
31 years$1,678$1,188$824$561$377$79
32 years$1,608$1,124$769$516$341$67
33 years$1,542$1,064$718$474$309$57
34 years$1,480$1,009$670$437$280$49
35 years$1,422$957$627$402$253$41
36 years$1,367$908$586$370$230$35
37 years$1,316$862$549$341$208$30
38 years$1,267$820$514$314$189$25
39 years$1,221$779$482$290$171$22
40 years$1,177$742$451$267$155$18
41 years$1,136$706$423$247$141$16
42 years$1,096$672$397$228$128$13
43 years$1,059$641$373$210$116$11
44 years$1,023$611$350$194$105$10
45 years$989$582$328$179$96$8
46 years$957$555$308$165$87$7
47 years$926$530$290$153$79$6
48 years$896$506$272$141$72$5
49 years$868$483$256$131$65$4
50 years$841$462$241$121$59$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $861,000, adding $2,035 every year, while hoping to spend $43,000 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: 36/35/29 Blend
34$861,000$861,000$861,000$861,000
35$950,921$905,288$891,943$976,821
36$1,002,163$903,896$876,071$994,924
37$1,057,191$900,994$858,227$1,010,433
38$1,116,345$896,463$838,298$1,026,359
39$1,180,000$890,177$816,168$1,042,768
40$1,248,565$882,001$791,715$1,059,740
41$1,322,493$871,793$764,811$1,077,361
42$1,402,278$859,402$735,324$1,095,733
43$1,488,465$844,667$703,112$1,114,971
44$1,581,653$827,421$668,031$1,135,208
45$1,682,500$807,482$629,927$1,156,593
46$1,791,727$784,661$588,642$1,179,294
47$1,910,130$758,756$544,009$1,203,503
48$2,038,583$729,555$495,853$1,229,438
49$2,178,048$696,832$443,993$1,257,342
50$2,329,581$660,349$388,239$1,287,490
51$2,494,345$619,854$328,392$1,320,192
52$2,673,621$575,079$264,246$1,355,796
53$2,868,815$525,743$195,583$1,394,691
54$3,081,478$471,548$122,179$1,437,316
55$3,313,314$412,179$43,797$1,484,160
56$3,566,199$347,303$0$1,535,773
57$3,842,199$276,568$0$1,605,098
58$4,143,586$199,603$0$1,695,754
59$4,472,863$116,015$0$1,795,022
60$4,832,786$25,390$0$1,903,843
61$5,226,387$0$0$2,023,259
62$5,657,006$0$0$2,182,428
63$6,128,321$0$0$2,367,460
64$6,644,379$0$0$2,570,183
65$7,209,642$0$0$2,792,362
66$7,829,018$0$0$3,035,943
67$8,507,917$0$0$3,303,072
68$9,252,294$0$0$3,596,107
69$10,068,710$0$0$3,917,650
70$10,964,389$0$0$4,270,564
71$11,947,291$0$0$4,658,005
72$13,026,181$0$0$5,083,448
73$14,210,717$0$0$5,550,722
74$15,511,535$0$0$6,064,044
75$16,940,354$0$0$6,628,059
76$18,510,081$0$0$7,247,887
77$20,234,937$0$0$7,929,166
78$22,130,589$0$0$8,678,108
79$24,214,295$0$0$9,501,558
80$26,505,071$0$0$10,407,055
81$29,023,864$0$0$11,402,907
82$31,793,756$0$0$12,498,269
83$34,840,175$0$0$13,703,223
84$38,191,137$0$0$15,028,882
85$41,877,511$0$0$16,487,487
86$45,933,308$0$0$18,092,529
87$50,396,002$0$0$19,858,870
88$55,306,881$0$0$21,802,885
89$60,711,440$0$0$23,942,621
90$66,659,807$0$0$26,297,958
91$73,207,216$0$0$28,890,805
92$80,414,525$0$0$31,745,302
93$88,348,795$0$0$34,888,048
94$97,083,918$0$0$38,348,353
95$106,701,316$0$0$42,158,514
96$117,290,706$0$0$46,354,117
97$128,950,948$0$0$50,974,379
98$141,790,977$0$0$56,062,509
99$155,930,830$0$0$61,666,124
100$171,502,780$0$0$67,837,694