Can I retire at age 35 with 849,000?

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 $849,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$70,110$69,485$68,876$68,281$67,700$67,161
2 years$34,708$34,061$33,435$32,827$32,238$31,695
3 years$22,909$22,259$21,635$21,033$20,453$19,922
4 years$17,010$16,363$15,744$15,153$14,587$14,073
5 years$13,472$12,829$12,218$11,639$11,089$10,593
6 years$11,114$10,476$9,874$9,308$8,774$8,297
7 years$9,431$8,797$8,206$7,652$7,136$6,677
8 years$8,168$7,541$6,959$6,419$5,920$5,480
9 years$7,187$6,566$5,994$5,468$4,985$4,565
10 years$6,403$5,787$5,225$4,713$4,248$3,846
11 years$5,761$5,152$4,600$4,102$3,653$3,269
12 years$5,227$4,624$4,083$3,598$3,166$2,800
13 years$4,776$4,179$3,648$3,177$2,761$2,412
14 years$4,389$3,799$3,277$2,820$2,420$2,089
15 years$4,054$3,470$2,959$2,515$2,131$1,816
16 years$3,761$3,184$2,683$2,252$1,883$1,585
17 years$3,503$2,932$2,441$2,023$1,670$1,387
18 years$3,274$2,709$2,229$1,823$1,485$1,217
19 years$3,070$2,511$2,040$1,647$1,323$1,070
20 years$2,885$2,333$1,872$1,492$1,182$943
21 years$2,719$2,174$1,722$1,354$1,058$832
22 years$2,568$2,029$1,587$1,231$948$736
23 years$2,431$1,898$1,466$1,121$851$651
24 years$2,305$1,778$1,355$1,023$765$577
25 years$2,189$1,668$1,255$934$688$512
26 years$2,082$1,568$1,164$854$620$454
27 years$1,984$1,476$1,081$782$559$403
28 years$1,892$1,391$1,005$716$504$358
29 years$1,807$1,312$935$657$455$319
30 years$1,728$1,239$871$603$412$284
31 years$1,654$1,171$812$554$372$253
32 years$1,585$1,108$758$509$337$225
33 years$1,520$1,049$708$468$305$200
34 years$1,460$995$661$430$276$179
35 years$1,402$943$618$396$250$159
36 years$1,348$895$578$365$226$142
37 years$1,298$850$541$336$205$127
38 years$1,249$808$507$310$186$113
39 years$1,204$769$475$286$169$101
40 years$1,161$731$445$264$153$90
41 years$1,120$696$417$243$139$80
42 years$1,081$663$391$224$126$72
43 years$1,044$632$367$207$114$64
44 years$1,009$602$345$191$104$57
45 years$975$574$324$177$94$51
46 years$943$548$304$163$86$46
47 years$913$523$286$151$78$41
48 years$884$499$268$139$71$36
49 years$856$476$252$129$64$32
50 years$829$455$237$119$58$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $849,000, adding $2,430 every year, while hoping to spend $59,751 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: 37/34/29 Blend
34$849,000$849,000$849,000$849,000
35$938,105$893,108$879,948$964,611
36$970,217$873,295$845,852$964,656
37$1,003,602$850,509$808,611$959,108
38$1,038,326$824,542$768,056$951,983
39$1,074,462$795,170$724,012$943,177
40$1,112,085$762,162$676,295$932,585
41$1,151,279$725,270$624,713$920,093
42$1,192,133$684,231$569,063$905,584
43$1,234,741$638,769$509,138$888,937
44$1,279,207$588,591$444,716$870,023
45$1,325,642$533,388$375,570$848,708
46$1,374,166$472,833$301,460$824,853
47$1,424,909$406,579$222,137$798,314
48$1,478,011$334,263$137,340$768,939
49$1,533,623$255,497$46,796$736,571
50$1,591,911$169,875$0$701,047
51$1,653,053$76,966$0$677,616
52$1,717,243$0$0$667,139
53$1,784,690$0$0$663,897
54$1,855,625$0$0$690,810
55$1,930,295$0$0$719,183
56$2,008,971$0$0$749,125
57$2,091,948$0$0$780,752
58$2,179,549$0$0$814,196
59$2,272,122$0$0$849,595
60$2,370,051$0$0$887,104
61$2,473,753$0$0$926,891
62$2,583,685$0$0$969,139
63$2,700,344$0$0$1,014,049
64$2,824,275$0$0$1,061,841
65$2,956,076$0$0$1,112,755
66$3,096,397$0$0$1,167,054
67$3,245,954$0$0$1,225,026
68$3,405,527$0$0$1,286,989
69$3,575,974$0$0$1,353,287
70$3,758,234$0$0$1,424,301
71$3,953,336$0$0$1,500,448
72$4,162,410$0$0$1,582,183
73$4,386,692$0$0$1,670,010
74$4,627,542$0$0$1,764,477
75$4,886,451$0$0$1,866,191
76$5,165,056$0$0$1,975,814
77$5,465,155$0$0$2,094,075
78$5,788,722$0$0$2,221,776
79$6,137,925$0$0$2,359,797
80$6,515,148$0$0$2,509,105
81$6,923,009$0$0$2,670,764
82$7,364,386$0$0$2,845,942
83$7,842,444$0$0$3,035,926
84$8,360,660$0$0$3,242,128
85$8,922,860$0$0$3,466,104
86$9,533,252$0$0$3,709,564
87$10,196,461$0$0$3,974,389
88$10,917,579$0$0$4,262,649
89$11,702,204$0$0$4,576,622
90$12,556,499$0$0$4,918,815
91$13,487,243$0$0$5,291,986
92$14,501,898$0$0$5,699,172
93$15,608,674$0$0$6,143,713
94$16,816,610$0$0$6,629,289
95$18,135,655$0$0$7,159,949
96$19,576,761$0$0$7,740,153
97$21,151,984$0$0$8,374,810
98$22,874,600$0$0$9,069,324
99$24,759,224$0$0$9,829,647
100$26,821,949$0$0$10,662,333