Can I retire at age 35 with 869,000?

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 $869,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$71,761$71,122$70,498$69,890$69,295$67,131
2 years$35,525$34,864$34,223$33,601$32,998$30,836
3 years$23,448$22,784$22,144$21,528$20,935$18,845
4 years$17,411$16,749$16,115$15,510$14,931$12,928
5 years$13,790$13,131$12,506$11,913$11,350$9,439
6 years$11,376$10,722$10,107$9,527$8,981$7,164
7 years$9,653$9,005$8,399$7,833$7,304$5,581
8 years$8,361$7,719$7,123$6,571$6,059$4,429
9 years$7,357$6,721$6,135$5,597$5,103$3,563
10 years$6,554$5,924$5,349$4,824$4,348$2,896
11 years$5,897$5,274$4,709$4,199$3,739$2,374
12 years$5,350$4,733$4,179$3,683$3,240$1,958
13 years$4,888$4,278$3,734$3,251$2,826$1,623
14 years$4,492$3,888$3,355$2,886$2,477$1,351
15 years$4,150$3,552$3,029$2,574$2,181$1,129
16 years$3,850$3,259$2,746$2,305$1,928$946
17 years$3,586$3,001$2,499$2,071$1,709$794
18 years$3,351$2,773$2,281$1,866$1,520$668
19 years$3,142$2,570$2,088$1,686$1,355$563
20 years$2,953$2,388$1,916$1,527$1,210$475
21 years$2,783$2,225$1,763$1,386$1,083$401
22 years$2,629$2,077$1,625$1,260$970$339
23 years$2,488$1,942$1,500$1,148$871$287
24 years$2,359$1,820$1,387$1,047$783$243
25 years$2,240$1,708$1,285$956$705$206
26 years$2,131$1,605$1,192$874$635$174
27 years$2,030$1,511$1,107$800$572$148
28 years$1,937$1,423$1,029$733$516$125
29 years$1,850$1,343$957$672$466$106
30 years$1,769$1,268$892$617$421$90
31 years$1,693$1,199$831$567$381$76
32 years$1,623$1,134$776$521$345$65
33 years$1,556$1,074$724$479$312$55
34 years$1,494$1,018$677$441$282$47
35 years$1,435$966$633$406$256$40
36 years$1,380$917$592$374$232$34
37 years$1,328$871$554$344$210$29
38 years$1,279$827$519$317$190$24
39 years$1,232$787$486$292$173$21
40 years$1,188$748$456$270$157$18
41 years$1,146$712$427$249$142$15
42 years$1,106$679$401$230$129$13
43 years$1,069$646$376$212$117$11
44 years$1,032$616$353$196$106$9
45 years$998$588$331$181$96$8
46 years$965$561$311$167$88$7
47 years$934$535$292$154$79$6
48 years$904$511$275$143$72$5
49 years$876$488$258$132$66$4
50 years$848$466$243$122$60$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $869,000, adding $5,058 every year, while hoping to spend $28,001 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: 70/24/6 Blend
34$869,000$869,000$869,000$869,000
35$962,855$916,798$903,329$1,029,131
36$1,031,274$931,929$903,797$1,088,729
37$1,105,732$946,862$903,343$1,149,978
38$1,186,818$961,559$901,906$1,216,220
39$1,275,175$975,977$899,422$1,287,940
40$1,371,515$990,072$895,825$1,365,670
41$1,476,619$1,003,795$891,045$1,449,997
42$1,591,348$1,017,095$885,008$1,541,566
43$1,716,649$1,029,916$877,640$1,641,090
44$1,853,565$1,042,199$868,858$1,749,354
45$2,003,243$1,053,882$858,579$1,867,222
46$2,166,948$1,064,896$846,716$1,995,647
47$2,346,071$1,075,170$833,175$2,135,678
48$2,542,144$1,084,628$817,860$2,288,473
49$2,756,856$1,093,187$800,671$2,455,306
50$2,992,063$1,100,761$781,502$2,637,583
51$3,249,813$1,107,258$760,242$2,836,852
52$3,532,359$1,112,579$736,775$3,054,820
53$3,842,183$1,116,619$710,980$3,293,367
54$4,182,019$1,119,266$682,732$3,554,567
55$4,554,878$1,120,404$651,896$3,840,704
56$4,964,078$1,119,905$618,337$4,154,298
57$5,413,270$1,117,637$581,908$4,498,124
58$5,906,480$1,113,458$542,458$4,875,241
59$6,448,141$1,107,218$499,830$5,289,022
60$7,043,136$1,098,756$453,859$5,743,184
61$7,696,846$1,087,904$404,373$6,241,822
62$8,415,195$1,074,483$351,191$6,789,454
63$9,204,715$1,058,302$294,125$7,391,056
64$10,072,597$1,039,160$232,979$8,052,114
65$11,026,766$1,016,844$167,549$8,778,675
66$12,075,954$991,127$97,620$9,577,405
67$13,229,780$961,770$22,969$10,455,649
68$14,498,842$928,521$0$11,421,504
69$15,894,815$891,111$0$12,487,527
70$17,430,567$849,255$0$13,661,728
71$19,120,271$802,655$0$14,953,497
72$20,979,547$750,993$0$16,374,800
73$23,025,602$693,933$0$17,938,828
74$25,277,398$631,121$0$19,660,118
75$27,755,828$562,181$0$21,554,693
76$30,483,912$486,718$0$23,640,212
77$33,487,016$404,312$0$25,936,134
78$36,793,089$314,520$0$28,463,911
79$40,432,929$216,877$0$31,247,181
80$44,440,472$110,888$0$34,311,998
81$48,853,111$0$0$37,687,077
82$53,712,050$0$0$41,405,111
83$59,062,692$0$0$45,531,703
84$64,955,068$0$0$50,076,160
85$71,444,307$0$0$55,081,009
86$78,591,160$0$0$60,593,110
87$86,462,567$0$0$66,664,102
88$95,132,293$0$0$73,350,885
89$104,681,624$0$0$80,716,163
90$115,200,130$0$0$88,829,028
91$126,786,514$0$0$97,765,620
92$139,549,543$0$0$107,609,839
93$153,609,071$0$0$118,454,141
94$169,097,174$0$0$130,400,407
95$186,159,392$0$0$143,560,905
96$204,956,107$0$0$158,059,354
97$225,664,053$0$0$174,032,085
98$248,477,987$0$0$191,629,330
99$273,612,522$0$0$211,016,643
100$301,304,157$0$0$232,376,457