Can I retire at age 35 with 851,000?

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 $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%18.4%
1 years$70,275$69,649$69,038$68,442$67,860$65,557
2 years$34,789$34,142$33,514$32,905$32,314$30,017
3 years$22,963$22,312$21,686$21,082$20,501$18,282
4 years$17,050$16,402$15,782$15,189$14,622$12,497
5 years$13,504$12,859$12,247$11,666$11,115$9,091
6 years$11,140$10,500$9,897$9,330$8,795$6,873
7 years$9,453$8,818$8,225$7,670$7,153$5,333
8 years$8,188$7,559$6,975$6,435$5,934$4,215
9 years$7,204$6,581$6,008$5,481$4,997$3,376
10 years$6,418$5,801$5,238$4,725$4,258$2,733
11 years$5,775$5,164$4,611$4,112$3,662$2,230
12 years$5,240$4,635$4,092$3,607$3,173$1,831
13 years$4,787$4,189$3,656$3,184$2,767$1,510
14 years$4,399$3,808$3,285$2,826$2,426$1,251
15 years$4,064$3,478$2,966$2,521$2,136$1,040
16 years$3,770$3,191$2,689$2,257$1,888$867
17 years$3,512$2,939$2,447$2,028$1,674$724
18 years$3,282$2,716$2,234$1,828$1,488$606
19 years$3,077$2,517$2,045$1,651$1,326$508
20 years$2,892$2,339$1,877$1,496$1,185$426
21 years$2,726$2,179$1,726$1,357$1,060$358
22 years$2,574$2,034$1,591$1,234$950$301
23 years$2,436$1,902$1,469$1,124$853$253
24 years$2,310$1,782$1,359$1,025$767$213
25 years$2,194$1,672$1,258$936$690$179
26 years$2,087$1,572$1,167$856$622$151
27 years$1,988$1,479$1,084$784$560$127
28 years$1,897$1,394$1,007$718$506$108
29 years$1,812$1,315$938$658$457$91
30 years$1,732$1,242$873$604$413$76
31 years$1,658$1,174$814$555$373$65
32 years$1,589$1,111$760$510$337$54
33 years$1,524$1,052$709$469$305$46
34 years$1,463$997$663$431$276$39
35 years$1,406$946$620$397$250$33
36 years$1,352$898$580$366$227$28
37 years$1,301$852$542$337$206$23
38 years$1,252$810$508$311$186$20
39 years$1,207$770$476$286$169$17
40 years$1,163$733$446$264$153$14
41 years$1,122$698$418$244$139$12
42 years$1,083$664$392$225$126$10
43 years$1,046$633$368$208$115$8
44 years$1,011$603$346$192$104$7
45 years$977$575$325$177$94$6
46 years$945$549$305$164$86$5
47 years$915$524$286$151$78$4
48 years$886$500$269$140$71$4
49 years$858$478$253$129$64$3
50 years$831$456$238$119$58$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $851,000, adding $2,041 every year, while hoping to spend $59,485 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: 48/37/15 Blend
34$851,000$851,000$851,000$851,000
35$939,907$894,804$881,614$980,994
36$972,486$875,358$847,856$990,162
37$1,006,395$852,965$810,974$993,833
38$1,041,705$827,419$770,800$996,516
39$1,078,496$798,499$727,159$998,140
40$1,116,851$765,975$679,868$998,631
41$1,156,862$729,600$628,735$997,913
42$1,198,626$689,114$573,561$995,905
43$1,242,248$644,243$514,138$992,525
44$1,287,843$594,696$450,247$987,686
45$1,335,533$540,166$381,660$981,299
46$1,385,452$480,329$308,141$973,272
47$1,437,744$414,841$229,439$963,510
48$1,492,565$343,340$145,297$951,915
49$1,550,086$265,442$55,444$938,386
50$1,610,490$180,744$0$922,819
51$1,673,978$88,818$0$911,584
52$1,740,766$0$0$907,990
53$1,811,093$0$0$907,485
54$1,885,215$0$0$945,102
55$1,963,413$0$0$984,825
56$2,045,994$0$0$1,026,813
57$2,133,291$0$0$1,071,244
58$2,225,668$0$0$1,118,306
59$2,323,523$0$0$1,168,210
60$2,427,290$0$0$1,221,182
61$2,537,446$0$0$1,277,473
62$2,654,508$0$0$1,337,355
63$2,779,044$0$0$1,401,127
64$2,911,678$0$0$1,469,115
65$3,053,089$0$0$1,541,678
66$3,204,024$0$0$1,619,208
67$3,365,298$0$0$1,702,134
68$3,537,808$0$0$1,790,929
69$3,722,536$0$0$1,886,109
70$3,920,558$0$0$1,988,241
71$4,133,055$0$0$2,097,948
72$4,361,324$0$0$2,215,912
73$4,606,787$0$0$2,342,884
74$4,871,006$0$0$2,479,687
75$5,155,697$0$0$2,627,226
76$5,462,744$0$0$2,786,494
77$5,794,217$0$0$2,958,582
78$6,152,389$0$0$3,144,692
79$6,539,760$0$0$3,346,141
80$6,959,078$0$0$3,564,380
81$7,413,363$0$0$3,801,002
82$7,905,935$0$0$4,057,761
83$8,440,446$0$0$4,336,585
84$9,020,913$0$0$4,639,595
85$9,651,752$0$0$4,969,122
86$10,337,825$0$0$5,327,735
87$11,084,478$0$0$5,718,256
88$11,897,593$0$0$6,143,795
89$12,783,644$0$0$6,607,769
90$13,749,756$0$0$7,113,945
91$14,803,771$0$0$7,666,464
92$15,954,319$0$0$8,269,887
93$17,210,900$0$0$8,929,235
94$18,583,973$0$0$9,650,035
95$20,085,053$0$0$10,438,371
96$21,726,817$0$0$11,300,946
97$23,523,223$0$0$12,245,135
98$25,489,642$0$0$13,279,064
99$27,642,996$0$0$14,411,678
100$30,001,926$0$0$15,652,831