Can I retire at age 35 with 850,000?

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 $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%16.6%
1 years$70,192$69,567$68,957$68,362$67,780$65,954
2 years$34,749$34,101$33,474$32,866$32,276$30,450
3 years$22,936$22,286$21,660$21,058$20,477$18,708
4 years$17,030$16,382$15,763$15,171$14,605$12,905
5 years$13,488$12,844$12,233$11,653$11,102$9,477
6 years$11,127$10,488$9,886$9,319$8,785$7,236
7 years$9,442$8,808$8,215$7,661$7,144$5,672
8 years$8,178$7,550$6,967$6,427$5,927$4,531
9 years$7,196$6,574$6,001$5,474$4,991$3,669
10 years$6,410$5,794$5,232$4,719$4,253$3,004
11 years$5,768$5,158$4,606$4,107$3,658$2,479
12 years$5,234$4,630$4,088$3,602$3,170$2,060
13 years$4,781$4,184$3,652$3,180$2,764$1,721
14 years$4,394$3,803$3,281$2,823$2,423$1,443
15 years$4,059$3,474$2,963$2,518$2,133$1,215
16 years$3,766$3,188$2,686$2,254$1,885$1,026
17 years$3,507$2,936$2,444$2,026$1,672$868
18 years$3,278$2,713$2,231$1,825$1,486$736
19 years$3,073$2,514$2,043$1,649$1,325$625
20 years$2,889$2,336$1,875$1,494$1,183$532
21 years$2,722$2,176$1,724$1,356$1,059$453
22 years$2,571$2,031$1,589$1,233$949$386
23 years$2,433$1,900$1,467$1,123$852$330
24 years$2,307$1,780$1,357$1,024$766$282
25 years$2,191$1,670$1,257$935$689$241
26 years$2,085$1,570$1,166$855$621$206
27 years$1,986$1,478$1,082$783$560$176
28 years$1,894$1,392$1,006$717$505$151
29 years$1,809$1,313$936$658$456$129
30 years$1,730$1,240$872$603$412$110
31 years$1,656$1,173$813$554$373$94
32 years$1,587$1,109$759$509$337$81
33 years$1,522$1,051$708$468$305$69
34 years$1,461$996$662$431$276$59
35 years$1,404$945$619$397$250$51
36 years$1,350$897$579$365$227$44
37 years$1,299$851$542$337$205$37
38 years$1,251$809$507$310$186$32
39 years$1,205$769$475$286$169$27
40 years$1,162$732$446$264$153$24
41 years$1,121$697$418$243$139$20
42 years$1,082$664$392$225$126$17
43 years$1,045$632$368$207$114$15
44 years$1,010$603$345$192$104$13
45 years$976$575$324$177$94$11
46 years$944$548$304$163$86$9
47 years$914$523$286$151$78$8
48 years$885$500$269$139$71$7
49 years$857$477$253$129$64$6
50 years$830$456$238$119$58$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $850,000, adding $6,975 every year, while hoping to spend $22,799 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: 48/40/12 Blend
34$850,000$850,000$850,000$850,000
35$943,895$898,845$885,670$985,756
36$1,015,914$918,630$891,082$1,035,108
37$1,094,515$938,621$895,911$1,085,727
38$1,180,345$958,803$900,114$1,140,175
39$1,274,117$979,161$903,644$1,198,815
40$1,376,615$999,678$906,454$1,262,051
41$1,488,703$1,020,335$908,493$1,330,324
42$1,611,332$1,041,112$909,709$1,404,124
43$1,745,548$1,061,987$910,044$1,483,986
44$1,892,504$1,082,936$909,442$1,570,504
45$2,053,472$1,103,931$907,839$1,664,332
46$2,229,847$1,124,945$905,174$1,766,187
47$2,423,171$1,145,947$901,376$1,876,865
48$2,635,139$1,166,903$896,377$1,997,239
49$2,867,619$1,187,777$890,102$2,128,273
50$3,122,669$1,208,531$882,473$2,271,029
51$3,402,554$1,229,122$873,408$2,426,678
52$3,709,771$1,249,505$862,824$2,596,512
53$4,047,068$1,269,631$850,629$2,781,952
54$4,417,475$1,289,450$836,732$2,984,569
55$4,824,329$1,308,904$821,033$3,206,091
56$5,271,304$1,327,933$803,431$3,448,425
57$5,762,450$1,346,475$783,819$3,713,672
58$6,302,227$1,364,459$762,084$4,004,150
59$6,895,549$1,381,813$738,109$4,322,412
60$7,547,831$1,398,458$711,771$4,671,274
61$8,265,037$1,414,309$682,943$5,053,840
62$9,053,739$1,429,279$651,490$5,473,532
63$9,921,177$1,443,270$617,272$5,934,124
64$10,875,328$1,456,182$580,142$6,439,772
65$11,924,982$1,467,905$539,947$6,995,064
66$13,079,823$1,478,324$496,527$7,605,051
67$14,350,519$1,487,317$449,715$8,275,307
68$15,748,828$1,494,751$399,337$9,011,973
69$17,287,703$1,500,489$345,209$9,821,821
70$18,981,417$1,504,381$287,142$10,712,314
71$20,845,696$1,506,270$224,935$11,691,680
72$22,897,869$1,505,990$158,383$12,768,990
73$25,157,030$1,503,362$87,267$13,954,243
74$27,644,219$1,498,197$11,362$15,258,460
75$30,382,617$1,490,297$0$16,693,791
76$33,397,771$1,479,449$0$18,282,547
77$36,717,828$1,465,426$0$20,032,705
78$40,373,806$1,447,992$0$21,959,115
79$44,399,883$1,426,892$0$24,079,750
80$48,833,719$1,401,858$0$26,414,420
81$53,716,817$1,372,607$0$28,984,955
82$59,094,905$1,338,837$0$31,815,420
83$65,018,375$1,300,231$0$34,932,336
84$71,542,757$1,256,450$0$38,364,934
85$78,729,240$1,207,137$0$42,145,430
86$86,645,251$1,151,916$0$46,309,333
87$95,365,093$1,090,386$0$50,895,777
88$104,970,643$1,022,125$0$55,947,895
89$115,552,126$946,687$0$61,513,225
90$127,208,965$863,597$0$67,644,159
91$140,050,724$772,358$0$74,398,442
92$154,198,135$672,441$0$81,839,715
93$169,784,243$563,288$0$90,038,119
94$186,955,658$444,311$0$99,070,958
95$205,873,939$314,887$0$109,023,428
96$226,717,123$174,358$0$119,989,427
97$249,681,398$22,031$0$132,072,441
98$274,982,963$0$0$145,386,521
99$302,860,060$0$0$160,120,231
100$333,575,229$0$0$176,364,787