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%14.7%
1 years$70,192$69,567$68,957$68,362$67,780$66,466
2 years$34,749$34,101$33,474$32,866$32,276$30,958
3 years$22,936$22,286$21,660$21,058$20,477$19,195
4 years$17,030$16,382$15,763$15,171$14,605$13,369
5 years$13,488$12,844$12,233$11,653$11,102$9,917
6 years$11,127$10,488$9,886$9,319$8,785$7,651
7 years$9,442$8,808$8,215$7,661$7,144$6,062
8 years$8,178$7,550$6,967$6,427$5,927$4,896
9 years$7,196$6,574$6,001$5,474$4,991$4,011
10 years$6,410$5,794$5,232$4,719$4,253$3,322
11 years$5,768$5,158$4,606$4,107$3,658$2,775
12 years$5,234$4,630$4,088$3,602$3,170$2,335
13 years$4,781$4,184$3,652$3,180$2,764$1,975
14 years$4,394$3,803$3,281$2,823$2,423$1,678
15 years$4,059$3,474$2,963$2,518$2,133$1,432
16 years$3,766$3,188$2,686$2,254$1,885$1,225
17 years$3,507$2,936$2,444$2,026$1,672$1,051
18 years$3,278$2,713$2,231$1,825$1,486$904
19 years$3,073$2,514$2,043$1,649$1,325$779
20 years$2,889$2,336$1,875$1,494$1,183$672
21 years$2,722$2,176$1,724$1,356$1,059$581
22 years$2,571$2,031$1,589$1,233$949$503
23 years$2,433$1,900$1,467$1,123$852$435
24 years$2,307$1,780$1,357$1,024$766$377
25 years$2,191$1,670$1,257$935$689$327
26 years$2,085$1,570$1,166$855$621$284
27 years$1,986$1,478$1,082$783$560$247
28 years$1,894$1,392$1,006$717$505$215
29 years$1,809$1,313$936$658$456$187
30 years$1,730$1,240$872$603$412$162
31 years$1,656$1,173$813$554$373$141
32 years$1,587$1,109$759$509$337$123
33 years$1,522$1,051$708$468$305$107
34 years$1,461$996$662$431$276$93
35 years$1,404$945$619$397$250$81
36 years$1,350$897$579$365$227$71
37 years$1,299$851$542$337$205$61
38 years$1,251$809$507$310$186$54
39 years$1,205$769$475$286$169$47
40 years$1,162$732$446$264$153$41
41 years$1,121$697$418$243$139$35
42 years$1,082$664$392$225$126$31
43 years$1,045$632$368$207$114$27
44 years$1,010$603$345$192$104$23
45 years$976$575$324$177$94$20
46 years$944$548$304$163$86$18
47 years$914$523$286$151$78$16
48 years$885$500$269$139$71$14
49 years$857$477$253$129$64$12
50 years$830$456$238$119$58$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $850,000, adding $3,644 every year, while hoping to spend $58,909 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: 54/27/19 Blend
34$850,000$850,000$850,000$850,000
35$940,459$895,409$882,234$986,214
36$973,707$876,605$849,110$999,130
37$1,008,372$854,906$812,902$1,006,650
38$1,044,536$830,106$773,445$1,013,551
39$1,082,288$801,991$730,565$1,019,790
40$1,121,725$770,331$684,081$1,025,325
41$1,162,948$734,885$633,805$1,030,111
42$1,206,071$695,397$579,540$1,034,105
43$1,251,214$651,595$521,078$1,037,260
44$1,298,508$603,194$458,205$1,039,533
45$1,348,096$549,891$390,695$1,040,877
46$1,400,132$491,365$318,314$1,041,248
47$1,454,784$427,280$240,815$1,040,603
48$1,512,233$357,278$157,943$1,038,897
49$1,572,677$280,981$69,431$1,036,089
50$1,636,331$197,990$0$1,032,141
51$1,703,430$107,885$0$1,032,088
52$1,774,230$10,221$0$1,046,176
53$1,849,008$0$0$1,060,345
54$1,928,069$0$0$1,103,001
55$2,011,743$0$0$1,151,396
56$2,100,393$0$0$1,202,709
57$2,194,413$0$0$1,257,172
58$2,294,237$0$0$1,315,042
59$2,400,337$0$0$1,376,598
60$2,513,230$0$0$1,442,147
61$2,633,482$0$0$1,512,024
62$2,761,712$0$0$1,586,595
63$2,898,600$0$0$1,666,264
64$3,044,889$0$0$1,751,470
65$3,201,394$0$0$1,842,698
66$3,369,009$0$0$1,940,477
67$3,548,715$0$0$2,045,390
68$3,741,587$0$0$2,158,073
69$3,948,806$0$0$2,279,228
70$4,171,666$0$0$2,409,623
71$4,411,591$0$0$2,550,103
72$4,670,142$0$0$2,701,594
73$4,949,036$0$0$2,865,116
74$5,250,156$0$0$3,041,788
75$5,575,575$0$0$3,232,841
76$5,927,568$0$0$3,439,625
77$6,308,639$0$0$3,663,628
78$6,721,536$0$0$3,906,484
79$7,169,286$0$0$4,169,990
80$7,655,215$0$0$4,456,123
81$8,182,980$0$0$4,767,056
82$8,756,605$0$0$5,105,181
83$9,380,517$0$0$5,473,129
84$10,059,587$0$0$5,873,795
85$10,799,173$0$0$6,310,365
86$11,605,172$0$0$6,786,345
87$12,484,074$0$0$7,305,593
88$13,443,023$0$0$7,872,356
89$14,489,879$0$0$8,491,309
90$15,633,299$0$0$9,167,598
91$16,882,809$0$0$9,906,889
92$18,248,898$0$0$10,715,421
93$19,743,117$0$0$11,600,060
94$21,378,180$0$0$12,568,370
95$23,168,089$0$0$13,628,678
96$25,128,262$0$0$14,790,155
97$27,275,680$0$0$16,062,901
98$29,629,042$0$0$17,458,037
99$32,208,940$0$0$18,987,814
100$35,038,056$0$0$20,665,724