Can I retire at age 35 with 850,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$70,192$69,567$68,957$68,362$67,780$66,603
2 years$34,749$34,101$33,474$32,866$32,276$31,094
3 years$22,936$22,286$21,660$21,058$20,477$19,327
4 years$17,030$16,382$15,763$15,171$14,605$13,495
5 years$13,488$12,844$12,233$11,653$11,102$10,036
6 years$11,127$10,488$9,886$9,319$8,785$7,764
7 years$9,442$8,808$8,215$7,661$7,144$6,169
8 years$8,178$7,550$6,967$6,427$5,927$4,996
9 years$7,196$6,574$6,001$5,474$4,991$4,105
10 years$6,410$5,794$5,232$4,719$4,253$3,411
11 years$5,768$5,158$4,606$4,107$3,658$2,859
12 years$5,234$4,630$4,088$3,602$3,170$2,412
13 years$4,781$4,184$3,652$3,180$2,764$2,048
14 years$4,394$3,803$3,281$2,823$2,423$1,746
15 years$4,059$3,474$2,963$2,518$2,133$1,495
16 years$3,766$3,188$2,686$2,254$1,885$1,283
17 years$3,507$2,936$2,444$2,026$1,672$1,105
18 years$3,278$2,713$2,231$1,825$1,486$954
19 years$3,073$2,514$2,043$1,649$1,325$825
20 years$2,889$2,336$1,875$1,494$1,183$715
21 years$2,722$2,176$1,724$1,356$1,059$620
22 years$2,571$2,031$1,589$1,233$949$538
23 years$2,433$1,900$1,467$1,123$852$468
24 years$2,307$1,780$1,357$1,024$766$407
25 years$2,191$1,670$1,257$935$689$355
26 years$2,085$1,570$1,166$855$621$309
27 years$1,986$1,478$1,082$783$560$270
28 years$1,894$1,392$1,006$717$505$235
29 years$1,809$1,313$936$658$456$205
30 years$1,730$1,240$872$603$412$179
31 years$1,656$1,173$813$554$373$157
32 years$1,587$1,109$759$509$337$137
33 years$1,522$1,051$708$468$305$120
34 years$1,461$996$662$431$276$105
35 years$1,404$945$619$397$250$92
36 years$1,350$897$579$365$227$80
37 years$1,299$851$542$337$205$70
38 years$1,251$809$507$310$186$61
39 years$1,205$769$475$286$169$54
40 years$1,162$732$446$264$153$47
41 years$1,121$697$418$243$139$41
42 years$1,082$664$392$225$126$36
43 years$1,045$632$368$207$114$31
44 years$1,010$603$345$192$104$28
45 years$976$575$324$177$94$24
46 years$944$548$304$163$86$21
47 years$914$523$286$151$78$18
48 years$885$500$269$139$71$16
49 years$857$477$253$129$64$14
50 years$830$456$238$119$58$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $850,000, adding $4,341 every year, while hoping to spend $49,236 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: 59/17/24 Blend
34$850,000$850,000$850,000$850,000
35$941,178$896,128$882,953$990,406
36$984,791$887,651$860,145$1,015,947
37$1,031,203$877,109$834,923$1,038,113
38$1,080,647$864,349$807,154$1,061,227
39$1,133,378$849,207$776,699$1,085,392
40$1,189,676$831,512$743,412$1,110,723
41$1,249,849$811,082$707,142$1,137,350
42$1,314,233$787,724$667,730$1,165,417
43$1,383,196$761,234$625,011$1,195,087
44$1,457,143$731,395$578,810$1,226,542
45$1,536,517$697,980$528,946$1,259,985
46$1,621,807$660,745$475,230$1,295,641
47$1,713,545$619,436$417,465$1,333,765
48$1,812,320$573,782$355,443$1,374,639
49$1,918,776$523,496$288,949$1,418,577
50$2,033,621$468,277$217,759$1,465,931
51$2,157,632$407,804$141,635$1,517,090
52$2,291,665$341,741$60,335$1,572,489
53$2,436,658$269,730$0$1,632,613
54$2,593,646$191,395$0$1,704,768
55$2,763,762$106,338$0$1,799,711
56$2,948,255$14,138$0$1,902,713
57$3,148,498$0$0$2,014,585
58$3,366,001$0$0$2,152,249
59$3,602,424$0$0$2,304,825
60$3,859,595$0$0$2,470,854
61$4,139,523$0$0$2,651,643
62$4,444,421$0$0$2,848,628
63$4,776,723$0$0$3,063,391
64$5,139,107$0$0$3,297,672
65$5,534,521$0$0$3,553,387
66$5,966,212$0$0$3,832,645
67$6,437,751$0$0$4,137,766
68$6,953,071$0$0$4,471,307
69$7,516,501$0$0$4,836,081
70$8,132,809$0$0$5,235,186
71$8,807,244$0$0$5,672,033
72$9,545,586$0$0$6,150,378
73$10,354,198$0$0$6,674,359
74$11,240,090$0$0$7,248,529
75$12,210,980$0$0$7,877,907
76$13,275,370$0$0$8,568,017
77$14,442,622$0$0$9,324,945
78$15,723,049$0$0$10,155,394
79$17,128,008$0$0$11,066,747
80$18,670,011$0$0$12,067,136
81$20,362,839$0$0$13,165,519
82$22,221,673$0$0$14,371,765
83$24,263,236$0$0$15,696,745
84$26,505,949$0$0$17,152,432
85$28,970,107$0$0$18,752,020
86$31,678,066$0$0$20,510,042
87$34,654,456$0$0$22,442,510
88$37,926,413$0$0$24,567,063
89$41,523,831$0$0$26,903,137
90$45,479,648$0$0$29,472,143
91$49,830,149$0$0$32,297,671
92$54,615,317$0$0$35,405,713
93$59,879,200$0$0$38,824,906
94$65,670,332$0$0$42,586,803
95$72,042,189$0$0$46,726,168
96$79,053,690$0$0$51,281,308
97$86,769,755$0$0$56,294,428
98$95,261,915$0$0$61,812,032
99$104,608,987$0$0$67,885,362
100$114,897,816$0$0$74,570,880