Can I retire at age 35 with 851,000?

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 $851,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$70,275$69,649$69,038$68,442$67,860$66,463
2 years$34,789$34,142$33,514$32,905$32,314$30,913
3 years$22,963$22,312$21,686$21,082$20,501$19,140
4 years$17,050$16,402$15,782$15,189$14,622$13,310
5 years$13,504$12,859$12,247$11,666$11,115$9,857
6 years$11,140$10,500$9,897$9,330$8,795$7,592
7 years$9,453$8,818$8,225$7,670$7,153$6,006
8 years$8,188$7,559$6,975$6,435$5,934$4,842
9 years$7,204$6,581$6,008$5,481$4,997$3,959
10 years$6,418$5,801$5,238$4,725$4,258$3,273
11 years$5,775$5,164$4,611$4,112$3,662$2,730
12 years$5,240$4,635$4,092$3,607$3,173$2,292
13 years$4,787$4,189$3,656$3,184$2,767$1,935
14 years$4,399$3,808$3,285$2,826$2,426$1,641
15 years$4,064$3,478$2,966$2,521$2,136$1,397
16 years$3,770$3,191$2,689$2,257$1,888$1,193
17 years$3,512$2,939$2,447$2,028$1,674$1,021
18 years$3,282$2,716$2,234$1,828$1,488$876
19 years$3,077$2,517$2,045$1,651$1,326$753
20 years$2,892$2,339$1,877$1,496$1,185$649
21 years$2,726$2,179$1,726$1,357$1,060$559
22 years$2,574$2,034$1,591$1,234$950$483
23 years$2,436$1,902$1,469$1,124$853$417
24 years$2,310$1,782$1,359$1,025$767$361
25 years$2,194$1,672$1,258$936$690$312
26 years$2,087$1,572$1,167$856$622$270
27 years$1,988$1,479$1,084$784$560$234
28 years$1,897$1,394$1,007$718$506$203
29 years$1,812$1,315$938$658$457$176
30 years$1,732$1,242$873$604$413$153
31 years$1,658$1,174$814$555$373$133
32 years$1,589$1,111$760$510$337$115
33 years$1,524$1,052$709$469$305$100
34 years$1,463$997$663$431$276$87
35 years$1,406$946$620$397$250$75
36 years$1,352$898$580$366$227$66
37 years$1,301$852$542$337$206$57
38 years$1,252$810$508$311$186$49
39 years$1,207$770$476$286$169$43
40 years$1,163$733$446$264$153$37
41 years$1,122$698$418$244$139$32
42 years$1,083$664$392$225$126$28
43 years$1,046$633$368$208$115$25
44 years$1,011$603$346$192$104$21
45 years$977$575$325$177$94$19
46 years$945$549$305$164$86$16
47 years$915$524$286$151$78$14
48 years$886$500$269$140$71$12
49 years$858$478$253$129$64$11
50 years$831$456$238$119$58$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $851,000, adding $6,738 every year, while hoping to spend $24,958 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: 71/10/19 Blend
34$851,000$851,000$851,000$851,000
35$944,752$899,649$886,459$1,007,054
36$1,014,562$917,177$889,600$1,066,934
37$1,090,656$934,727$892,010$1,128,855
38$1,173,648$952,274$893,638$1,196,023
39$1,264,216$969,791$894,430$1,268,952
40$1,363,103$987,248$894,331$1,348,213
41$1,471,130$1,004,614$893,282$1,434,430
42$1,589,199$1,021,854$891,220$1,528,295
43$1,718,304$1,038,931$888,083$1,630,568
44$1,859,537$1,055,805$883,800$1,742,089
45$2,014,105$1,072,435$878,302$1,863,780
46$2,183,333$1,088,773$871,514$1,996,661
47$2,368,681$1,104,771$863,358$2,141,853
48$2,571,758$1,120,377$853,753$2,300,594
49$2,794,336$1,135,533$842,612$2,474,247
50$3,038,364$1,150,181$829,845$2,664,314
51$3,305,992$1,164,255$815,360$2,872,452
52$3,599,587$1,177,686$799,058$3,100,485
53$3,921,754$1,190,402$780,835$3,350,425
54$4,275,364$1,202,323$760,585$3,624,490
55$4,663,581$1,213,367$738,195$3,925,123
56$5,089,889$1,223,444$713,546$4,255,018
57$5,558,124$1,232,460$686,517$4,617,143
58$6,072,515$1,240,312$656,977$5,014,770
59$6,637,719$1,246,895$624,793$5,451,506
60$7,258,866$1,252,093$589,824$5,931,326
61$7,941,610$1,255,785$551,923$6,458,610
62$8,692,178$1,257,842$510,935$7,038,188
63$9,517,429$1,258,125$466,701$7,675,382
64$10,424,924$1,256,491$419,053$8,376,058
65$11,422,990$1,252,782$367,814$9,146,681
66$12,520,802$1,246,836$312,804$9,994,378
67$13,728,471$1,238,477$253,829$10,927,002
68$15,057,133$1,227,522$190,691$11,953,210
69$16,519,063$1,213,772$123,181$13,082,543
70$18,127,782$1,197,021$51,082$14,325,516
71$19,898,188$1,177,048$0$15,693,720
72$21,846,700$1,153,620$0$17,205,171
73$23,991,405$1,126,489$0$18,880,097
74$26,352,234$1,095,393$0$20,723,698
75$28,951,150$1,060,055$0$22,753,129
76$31,812,352$1,020,182$0$24,987,292
77$34,962,504$975,463$0$27,447,017
78$38,430,988$925,569$0$30,155,258
79$42,250,180$870,154$0$33,137,310
80$46,455,756$808,848$0$36,421,048
81$51,087,026$741,265$0$40,037,188
82$56,187,308$666,993$0$44,019,579
83$61,804,335$585,597$0$48,405,523
84$67,990,706$496,620$0$53,236,124
85$74,804,380$399,576$0$58,556,681
86$82,309,225$293,954$0$64,417,112
87$90,575,620$179,212$0$70,872,424
88$99,681,120$54,780$0$77,983,238
89$109,711,185$0$0$85,816,355
90$120,759,987$0$0$94,454,190
91$132,931,303$0$0$103,976,299
92$146,339,488$0$0$114,466,129
93$161,110,557$0$0$126,022,275
94$177,383,375$0$0$138,753,387
95$195,310,966$0$0$152,779,193
96$215,061,957$0$0$168,231,630
97$236,822,172$0$0$185,256,087
98$260,796,381$0$0$204,012,781
99$287,210,238$0$0$224,678,265
100$316,312,406$0$0$247,447,099