Can I retire at age 35 with 870,000?

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 $870,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$71,844$71,204$70,579$69,970$69,375$68,708
2 years$35,566$34,904$34,262$33,639$33,036$32,364
3 years$23,475$22,810$22,170$21,553$20,959$20,303
4 years$17,431$16,768$16,134$15,528$14,948$14,313
5 years$13,805$13,146$12,521$11,927$11,363$10,751
6 years$11,389$10,735$10,118$9,538$8,992$8,403
7 years$9,664$9,015$8,408$7,842$7,313$6,748
8 years$8,371$7,728$7,131$6,578$6,066$5,525
9 years$7,365$6,728$6,142$5,603$5,109$4,591
10 years$6,561$5,931$5,355$4,830$4,353$3,859
11 years$5,904$5,280$4,714$4,204$3,744$3,273
12 years$5,357$4,739$4,184$3,687$3,244$2,796
13 years$4,894$4,282$3,738$3,255$2,829$2,402
14 years$4,498$3,893$3,359$2,890$2,480$2,075
15 years$4,154$3,556$3,032$2,577$2,183$1,799
16 years$3,854$3,263$2,749$2,307$1,930$1,565
17 years$3,590$3,005$2,502$2,073$1,711$1,366
18 years$3,355$2,776$2,284$1,868$1,521$1,195
19 years$3,145$2,573$2,091$1,688$1,356$1,048
20 years$2,957$2,391$1,919$1,529$1,211$921
21 years$2,786$2,227$1,765$1,388$1,084$810
22 years$2,632$2,079$1,627$1,262$972$714
23 years$2,491$1,945$1,502$1,149$872$630
24 years$2,362$1,822$1,389$1,048$784$557
25 years$2,243$1,710$1,286$957$705$492
26 years$2,134$1,607$1,193$875$635$435
27 years$2,033$1,512$1,108$801$573$386
28 years$1,939$1,425$1,030$734$517$342
29 years$1,852$1,344$958$673$467$303
30 years$1,771$1,270$893$618$422$269
31 years$1,695$1,200$832$567$381$238
32 years$1,624$1,136$777$521$345$212
33 years$1,558$1,075$725$479$312$188
34 years$1,496$1,019$677$441$283$167
35 years$1,437$967$633$406$256$148
36 years$1,382$918$593$374$232$132
37 years$1,330$872$555$345$210$117
38 years$1,280$828$519$318$191$104
39 years$1,234$788$487$293$173$93
40 years$1,189$749$456$270$157$82
41 years$1,147$713$428$249$142$73
42 years$1,108$679$401$230$129$65
43 years$1,070$647$376$212$117$58
44 years$1,034$617$353$196$106$52
45 years$999$588$332$181$97$46
46 years$967$561$312$167$88$41
47 years$935$536$293$154$80$36
48 years$905$511$275$143$72$32
49 years$877$488$259$132$66$29
50 years$849$466$243$122$60$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $870,000, adding $2,413 every year, while hoping to spend $29,203 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: 44/44/12 Blend
34$870,000$870,000$870,000$870,000
35$961,229$915,119$901,634$1,000,108
36$1,028,203$928,888$900,767$1,041,195
37$1,101,029$942,353$898,892$1,082,558
38$1,180,274$955,468$895,945$1,126,741
39$1,266,560$968,185$891,858$1,174,016
40$1,360,573$980,450$886,559$1,224,681
41$1,463,068$992,208$879,975$1,279,067
42$1,574,874$1,003,400$872,028$1,337,540
43$1,696,906$1,013,961$862,635$1,400,504
44$1,830,169$1,023,823$851,711$1,468,403
45$1,975,770$1,032,914$839,168$1,541,731
46$2,134,928$1,041,157$824,910$1,621,031
47$2,308,986$1,048,469$808,840$1,706,905
48$2,499,422$1,054,763$790,854$1,800,014
49$2,707,861$1,059,945$770,847$1,901,093
50$2,936,097$1,063,916$748,704$2,010,950
51$3,186,102$1,066,571$724,308$2,130,478
52$3,460,048$1,067,797$697,537$2,260,665
53$3,760,330$1,067,476$668,261$2,402,600
54$4,089,582$1,065,481$636,346$2,557,486
55$4,450,707$1,061,677$601,652$2,726,650
56$4,846,903$1,055,923$564,031$2,911,560
57$5,281,691$1,048,067$523,330$3,113,835
58$5,758,950$1,037,949$479,387$3,335,260
59$6,282,953$1,025,398$432,037$3,577,810
60$6,858,406$1,010,235$381,103$3,843,661
61$7,490,496$992,269$326,402$4,135,217
62$8,184,933$971,297$267,743$4,455,131
63$8,948,011$947,105$204,927$4,806,331
64$9,786,662$919,467$137,746$5,192,046
65$10,708,523$888,142$65,981$5,615,844
66$11,722,007$852,876$0$6,081,658
67$12,836,385$813,400$0$6,595,187
68$14,061,870$769,430$0$7,168,968
69$15,409,714$720,665$0$7,799,861
70$16,892,314$666,787$0$8,493,730
71$18,523,329$607,459$0$9,257,043
72$20,317,811$542,327$0$10,096,934
73$22,292,340$471,013$0$11,021,268
74$24,465,187$393,122$0$12,038,721
75$26,856,485$308,233$0$13,158,862
76$29,488,414$215,904$0$14,392,241
77$32,385,416$115,667$0$15,750,492
78$35,574,421$7,027$0$17,246,446
79$39,085,104$0$0$18,894,251
80$42,950,162$0$0$20,763,025
81$47,205,626$0$0$22,824,440
82$51,891,195$0$0$25,094,344
83$57,050,616$0$0$27,593,944
84$62,732,093$0$0$30,346,612
85$68,988,743$0$0$33,378,103
86$75,879,098$0$0$36,716,794
87$83,467,655$0$0$40,393,956
88$91,825,485$0$0$44,444,049
89$101,030,903$0$0$48,905,043
90$111,170,209$0$0$53,818,781
91$122,338,501$0$0$59,231,371
92$134,640,569$0$0$65,193,622
93$148,191,890$0$0$71,761,523
94$163,119,712$0$0$78,996,772
95$179,564,258$0$0$86,967,357
96$197,680,047$0$0$95,748,198
97$217,637,354$0$0$105,421,856
98$239,623,816$0$0$116,079,308
99$263,846,201$0$0$127,820,809
100$290,532,363$0$0$140,756,838