Can I retire at age 35 with 868,000?

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 $868,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$71,679$71,040$70,417$69,809$69,216$68,322
2 years$35,484$34,824$34,183$33,562$32,960$32,061
3 years$23,421$22,758$22,119$21,504$20,911$20,035
4 years$17,391$16,729$16,097$15,492$14,914$14,067
5 years$13,774$13,116$12,492$11,899$11,337$10,522
6 years$11,363$10,710$10,095$9,516$8,971$8,188
7 years$9,642$8,994$8,389$7,824$7,296$6,546
8 years$8,351$7,710$7,115$6,563$6,052$5,336
9 years$7,348$6,713$6,128$5,590$5,097$4,413
10 years$6,546$5,917$5,342$4,819$4,343$3,691
11 years$5,890$5,268$4,703$4,194$3,735$3,115
12 years$5,344$4,728$4,174$3,679$3,237$2,647
13 years$4,883$4,273$3,729$3,248$2,823$2,263
14 years$4,487$3,884$3,351$2,883$2,474$1,944
15 years$4,145$3,548$3,025$2,571$2,178$1,677
16 years$3,846$3,255$2,743$2,302$1,925$1,451
17 years$3,582$2,998$2,496$2,068$1,707$1,259
18 years$3,348$2,770$2,278$1,864$1,518$1,096
19 years$3,138$2,567$2,086$1,684$1,353$955
20 years$2,950$2,386$1,914$1,525$1,208$834
21 years$2,780$2,222$1,761$1,384$1,081$730
22 years$2,626$2,074$1,623$1,259$969$639
23 years$2,485$1,940$1,498$1,146$870$560
24 years$2,356$1,818$1,386$1,046$782$492
25 years$2,238$1,706$1,283$955$704$432
26 years$2,129$1,603$1,190$873$634$380
27 years$2,028$1,509$1,105$799$572$334
28 years$1,935$1,422$1,028$732$516$294
29 years$1,848$1,341$956$671$466$259
30 years$1,767$1,267$891$616$421$229
31 years$1,691$1,197$830$566$380$201
32 years$1,621$1,133$775$520$344$178
33 years$1,554$1,073$723$478$311$157
34 years$1,492$1,017$676$440$282$138
35 years$1,434$965$632$405$255$122
36 years$1,379$915$591$373$231$108
37 years$1,327$870$553$344$210$95
38 years$1,277$826$518$317$190$84
39 years$1,231$786$485$292$172$74
40 years$1,187$748$455$269$156$66
41 years$1,145$712$427$249$142$58
42 years$1,105$678$400$229$129$51
43 years$1,067$646$376$212$117$45
44 years$1,031$616$353$196$106$40
45 years$997$587$331$181$96$35
46 years$964$560$311$167$87$31
47 years$933$534$292$154$79$28
48 years$903$510$274$142$72$24
49 years$875$487$258$132$65$22
50 years$847$465$243$122$59$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $868,000, adding $5,727 every year, while hoping to spend $49,324 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: 53/28/19 Blend
34$868,000$868,000$868,000$868,000
35$962,443$916,439$902,985$1,008,178
36$1,008,132$908,865$880,755$1,032,602
37$1,056,828$899,265$856,127$1,053,510
38$1,108,786$887,491$828,968$1,075,192
39$1,164,285$873,380$799,141$1,097,735
40$1,223,630$856,764$766,501$1,121,241
41$1,287,157$837,462$730,895$1,145,822
42$1,355,233$815,284$692,166$1,171,607
43$1,428,261$790,028$650,149$1,198,738
44$1,506,685$761,480$604,669$1,227,379
45$1,590,989$729,415$555,548$1,257,711
46$1,681,707$693,593$502,596$1,289,938
47$1,779,424$653,762$445,616$1,324,290
48$1,884,782$609,653$384,401$1,361,022
49$1,998,489$560,985$318,738$1,400,423
50$2,121,320$507,459$248,400$1,442,813
51$2,254,128$448,757$173,155$1,488,552
52$2,397,849$384,547$92,756$1,538,042
53$2,553,515$314,475$6,948$1,591,730
54$2,722,258$238,168$0$1,650,117
55$2,905,324$155,234$0$1,730,916
56$3,104,082$65,256$0$1,820,210
57$3,320,040$0$0$1,917,341
58$3,554,855$0$0$2,033,062
59$3,810,350$0$0$2,180,926
60$4,088,532$0$0$2,341,998
61$4,391,609$0$0$2,517,565
62$4,722,010$0$0$2,709,046
63$5,082,409$0$0$2,918,001
64$5,475,750$0$0$3,146,147
65$5,905,272$0$0$3,395,375
66$6,374,542$0$0$3,667,767
67$6,887,486$0$0$3,965,613
68$7,448,426$0$0$4,291,438
69$8,062,122$0$0$4,648,018
70$8,733,815$0$0$5,038,413
71$9,469,275$0$0$5,465,993
72$10,274,858$0$0$5,934,465
73$11,157,561$0$0$6,447,917
74$12,125,092$0$0$7,010,846
75$13,185,938$0$0$7,628,210
76$14,349,450$0$0$8,305,466
77$15,625,925$0$0$9,048,626
78$17,026,703$0$0$9,864,313
79$18,564,280$0$0$10,759,820
80$20,252,417$0$0$11,743,184
81$22,106,272$0$0$12,823,256
82$24,142,547$0$0$14,009,786
83$26,379,636$0$0$15,313,517
84$28,837,807$0$0$16,746,282
85$31,539,386$0$0$18,321,119
86$34,508,970$0$0$20,052,392
87$37,773,658$0$0$21,955,923
88$41,363,303$0$0$24,049,148
89$45,310,800$0$0$26,351,273
90$49,652,387$0$0$28,883,463
91$54,427,993$0$0$31,669,033
92$59,681,609$0$0$34,733,674
93$65,461,705$0$0$38,105,692
94$71,821,688$0$0$41,816,275
95$78,820,399$0$0$45,899,788
96$86,522,675$0$0$50,394,094
97$94,999,956$0$0$55,340,913
98$104,330,955$0$0$60,786,217
99$114,602,409$0$0$66,780,659
100$125,909,886$0$0$73,380,052