Can I retire at age 35 with 852,000?

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 $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%15.3%
1 years$70,357$69,731$69,119$68,522$67,940$66,459
2 years$34,830$34,182$33,553$32,943$32,352$30,868
3 years$22,990$22,338$21,711$21,107$20,526$19,084
4 years$17,070$16,421$15,800$15,207$14,639$13,252
5 years$13,520$12,874$12,262$11,680$11,128$9,799
6 years$11,153$10,513$9,909$9,341$8,805$7,535
7 years$9,464$8,829$8,235$7,679$7,161$5,950
8 years$8,197$7,568$6,984$6,442$5,941$4,789
9 years$7,213$6,589$6,015$5,487$5,003$3,909
10 years$6,425$5,808$5,244$4,730$4,263$3,226
11 years$5,782$5,170$4,617$4,117$3,666$2,685
12 years$5,246$4,641$4,097$3,611$3,177$2,250
13 years$4,793$4,194$3,661$3,188$2,770$1,895
14 years$4,405$3,812$3,289$2,830$2,429$1,604
15 years$4,068$3,482$2,970$2,524$2,138$1,363
16 years$3,775$3,195$2,692$2,260$1,890$1,161
17 years$3,516$2,943$2,450$2,030$1,676$992
18 years$3,286$2,719$2,236$1,830$1,490$850
19 years$3,080$2,520$2,047$1,653$1,328$729
20 years$2,896$2,342$1,879$1,497$1,186$626
21 years$2,729$2,181$1,728$1,359$1,062$539
22 years$2,577$2,036$1,593$1,236$951$464
23 years$2,439$1,904$1,471$1,125$854$400
24 years$2,313$1,784$1,360$1,026$768$345
25 years$2,197$1,674$1,260$937$691$298
26 years$2,090$1,574$1,168$857$622$257
27 years$1,991$1,481$1,085$784$561$222
28 years$1,899$1,396$1,009$719$506$192
29 years$1,814$1,317$939$659$457$166
30 years$1,734$1,243$874$605$413$144
31 years$1,660$1,175$815$556$373$125
32 years$1,591$1,112$760$511$338$108
33 years$1,526$1,053$710$469$306$94
34 years$1,465$998$663$432$277$81
35 years$1,407$947$620$398$251$70
36 years$1,353$899$580$366$227$61
37 years$1,302$853$543$337$206$53
38 years$1,254$811$509$311$187$46
39 years$1,208$771$476$287$169$40
40 years$1,165$734$447$265$154$34
41 years$1,124$699$419$244$139$30
42 years$1,085$665$393$225$126$26
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$17
46 years$947$550$305$164$86$15
47 years$916$525$287$151$78$13
48 years$887$501$269$140$71$11
49 years$859$478$253$129$64$10
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 $6,885 every year, while hoping to spend $58,089 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: 46/43/11 Blend
34$852,000$852,000$852,000$852,000
35$946,006$900,850$887,644$986,298
36$980,692$883,185$855,574$997,207
37$1,016,970$862,708$820,482$1,002,510
38$1,054,939$839,220$782,207$1,006,955
39$1,094,710$812,508$740,578$1,010,483
40$1,136,401$782,352$695,418$1,013,033
41$1,180,140$748,513$646,541$1,014,544
42$1,226,068$710,743$593,753$1,014,950
43$1,274,334$668,778$536,851$1,014,187
44$1,325,105$622,337$475,625$1,012,189
45$1,378,560$571,125$409,852$1,008,887
46$1,434,893$514,830$339,302$1,004,214
47$1,494,317$453,122$263,734$998,102
48$1,557,064$385,651$182,895$990,482
49$1,623,386$312,050$96,524$981,287
50$1,693,560$231,929$4,346$970,449
51$1,767,886$144,877$0$957,902
52$1,846,693$50,458$0$954,621
53$1,930,341$0$0$950,771
54$2,019,222$0$0$970,325
55$2,113,767$0$0$1,016,574
56$2,214,445$0$0$1,065,879
57$2,321,773$0$0$1,118,500
58$2,436,314$0$0$1,174,722
59$2,558,686$0$0$1,234,856
60$2,689,567$0$0$1,299,243
61$2,829,699$0$0$1,368,258
62$2,979,898$0$0$1,442,312
63$3,141,056$0$0$1,521,857
64$3,314,155$0$0$1,607,386
65$3,500,270$0$0$1,699,444
66$3,700,582$0$0$1,798,626
67$3,916,391$0$0$1,905,590
68$4,149,120$0$0$2,021,054
69$4,400,334$0$0$2,145,810
70$4,671,755$0$0$2,280,727
71$4,965,272$0$0$2,426,761
72$5,282,964$0$0$2,584,963
73$5,627,113$0$0$2,756,487
74$6,000,233$0$0$2,942,605
75$6,405,084$0$0$3,144,712
76$6,844,704$0$0$3,364,347
77$7,322,434$0$0$3,603,198
78$7,841,948$0$0$3,863,127
79$8,407,291$0$0$4,146,179
80$9,022,911$0$0$4,454,606
81$9,693,703$0$0$4,790,887
82$10,425,056$0$0$5,157,748
83$11,222,899$0$0$5,558,192
84$12,093,757$0$0$5,995,524
85$13,044,816$0$0$6,473,381
86$14,083,985$0$0$6,995,769
87$15,219,969$0$0$7,567,096
88$16,462,355$0$0$8,192,217
89$17,821,698$0$0$8,876,480
90$19,309,620$0$0$9,625,770
91$20,938,919$0$0$10,446,570
92$22,723,686$0$0$11,346,019
93$24,679,444$0$0$12,331,980
94$26,823,284$0$0$13,413,112
95$29,174,032$0$0$14,598,952
96$31,752,421$0$0$15,900,006
97$34,581,289$0$0$17,327,844
98$37,685,791$0$0$18,895,212
99$41,093,633$0$0$20,616,148
100$44,835,339$0$0$22,506,120