Can I retire at age 35 with 852,000?

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 $852,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$70,357$69,731$69,119$68,522$67,940$66,432
2 years$34,830$34,182$33,553$32,943$32,352$30,841
3 years$22,990$22,338$21,711$21,107$20,526$19,058
4 years$17,070$16,421$15,800$15,207$14,639$13,227
5 years$13,520$12,874$12,262$11,680$11,128$9,775
6 years$11,153$10,513$9,909$9,341$8,805$7,513
7 years$9,464$8,829$8,235$7,679$7,161$5,929
8 years$8,197$7,568$6,984$6,442$5,941$4,769
9 years$7,213$6,589$6,015$5,487$5,003$3,891
10 years$6,425$5,808$5,244$4,730$4,263$3,209
11 years$5,782$5,170$4,617$4,117$3,666$2,669
12 years$5,246$4,641$4,097$3,611$3,177$2,235
13 years$4,793$4,194$3,661$3,188$2,770$1,882
14 years$4,405$3,812$3,289$2,830$2,429$1,592
15 years$4,068$3,482$2,970$2,524$2,138$1,351
16 years$3,775$3,195$2,692$2,260$1,890$1,151
17 years$3,516$2,943$2,450$2,030$1,676$982
18 years$3,286$2,719$2,236$1,830$1,490$840
19 years$3,080$2,520$2,047$1,653$1,328$720
20 years$2,896$2,342$1,879$1,497$1,186$618
21 years$2,729$2,181$1,728$1,359$1,062$532
22 years$2,577$2,036$1,593$1,236$951$457
23 years$2,439$1,904$1,471$1,125$854$394
24 years$2,313$1,784$1,360$1,026$768$340
25 years$2,197$1,674$1,260$937$691$293
26 years$2,090$1,574$1,168$857$622$253
27 years$1,991$1,481$1,085$784$561$219
28 years$1,899$1,396$1,009$719$506$189
29 years$1,814$1,317$939$659$457$163
30 years$1,734$1,243$874$605$413$141
31 years$1,660$1,175$815$556$373$122
32 years$1,591$1,112$760$511$338$106
33 years$1,526$1,053$710$469$306$91
34 years$1,465$998$663$432$277$79
35 years$1,407$947$620$398$251$68
36 years$1,353$899$580$366$227$59
37 years$1,302$853$543$337$206$51
38 years$1,254$811$509$311$187$44
39 years$1,208$771$476$287$169$39
40 years$1,165$734$447$265$154$33
41 years$1,124$699$419$244$139$29
42 years$1,085$665$393$225$126$25
43 years$1,048$634$369$208$115$22
44 years$1,012$604$346$192$104$19
45 years$979$576$325$177$95$16
46 years$947$550$305$164$86$14
47 years$916$525$287$151$78$12
48 years$887$501$269$140$71$11
49 years$859$478$253$129$64$9
50 years$832$457$238$119$58$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $852,000, adding $5,425 every year, while hoping to spend $39,598 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: 70/17/13 Blend
34$852,000$852,000$852,000$852,000
35$944,500$899,344$886,138$1,007,554
36$998,707$901,280$873,692$1,052,055
37$1,057,116$901,983$859,501$1,095,442
38$1,120,114$901,352$843,466$1,141,887
39$1,188,125$899,279$825,482$1,191,684
40$1,261,617$895,646$805,439$1,245,157
41$1,341,103$890,334$783,222$1,302,667
42$1,427,146$883,211$758,711$1,364,608
43$1,520,368$874,141$731,780$1,431,417
44$1,621,449$862,978$702,299$1,503,578
45$1,731,139$849,566$670,128$1,581,622
46$1,850,263$833,743$635,126$1,666,138
47$1,979,729$815,335$597,141$1,757,773
48$2,120,533$794,158$556,017$1,857,245
49$2,273,773$770,018$511,589$1,965,342
50$2,440,658$742,709$463,688$2,082,938
51$2,622,516$712,012$412,132$2,210,996
52$2,820,811$677,699$356,737$2,350,576
53$3,037,152$639,524$297,305$2,502,852
54$3,273,311$597,230$233,634$2,669,117
55$3,531,238$550,545$165,511$2,850,799
56$3,813,082$499,179$92,714$3,049,474
57$4,121,207$442,829$15,009$3,266,880
58$4,458,214$381,172$0$3,504,935
59$4,826,971$313,868$0$3,775,175
60$5,230,632$240,558$0$4,073,350
61$5,672,673$160,862$0$4,399,988
62$6,156,920$74,379$0$4,757,969
63$6,687,589$0$0$5,150,468
64$7,269,319$0$0$5,584,600
65$7,907,223$0$0$6,075,956
66$8,606,931$0$0$6,614,965
67$9,374,644$0$0$7,206,410
68$10,217,192$0$0$7,855,558
69$11,142,100$0$0$8,568,214
70$12,157,656$0$0$9,350,769
71$13,272,988$0$0$10,210,266
72$14,498,155$0$0$11,154,461
73$15,844,236$0$0$12,191,901
74$17,323,435$0$0$13,332,000
75$18,949,201$0$0$14,585,129
76$20,736,346$0$0$15,962,716
77$22,701,190$0$0$17,477,348
78$24,861,716$0$0$19,142,896
79$27,237,733$0$0$20,974,639
80$29,851,068$0$0$22,989,414
81$32,725,768$0$0$25,205,770
82$35,888,329$0$0$27,644,145
83$39,367,944$0$0$30,327,056
84$43,196,778$0$0$33,279,316
85$47,410,273$0$0$36,528,261
86$52,047,477$0$0$40,104,014
87$57,151,420$0$0$44,039,765
88$62,769,510$0$0$48,372,084
89$68,953,988$0$0$53,141,269
90$75,762,415$0$0$58,391,719
91$83,258,218$0$0$64,172,362
92$91,511,286$0$0$70,537,109
93$100,598,629$0$0$77,545,363
94$110,605,108$0$0$85,262,583
95$121,624,228$0$0$93,760,899
96$133,759,026$0$0$103,119,791
97$147,123,041$0$0$113,426,842
98$161,841,385$0$0$124,778,560
99$178,051,921$0$0$137,281,292
100$195,906,567$0$0$151,052,226