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%18.5%
1 years$70,357$69,731$69,119$68,522$67,940$65,607
2 years$34,830$34,182$33,553$32,943$32,352$30,026
3 years$22,990$22,338$21,711$21,107$20,526$18,279
4 years$17,070$16,421$15,800$15,207$14,639$12,489
5 years$13,520$12,874$12,262$11,680$11,128$9,081
6 years$11,153$10,513$9,909$9,341$8,805$6,861
7 years$9,464$8,829$8,235$7,679$7,161$5,321
8 years$8,197$7,568$6,984$6,442$5,941$4,202
9 years$7,213$6,589$6,015$5,487$5,003$3,364
10 years$6,425$5,808$5,244$4,730$4,263$2,721
11 years$5,782$5,170$4,617$4,117$3,666$2,219
12 years$5,246$4,641$4,097$3,611$3,177$1,821
13 years$4,793$4,194$3,661$3,188$2,770$1,501
14 years$4,405$3,812$3,289$2,830$2,429$1,243
15 years$4,068$3,482$2,970$2,524$2,138$1,032
16 years$3,775$3,195$2,692$2,260$1,890$860
17 years$3,516$2,943$2,450$2,030$1,676$718
18 years$3,286$2,719$2,236$1,830$1,490$600
19 years$3,080$2,520$2,047$1,653$1,328$502
20 years$2,896$2,342$1,879$1,497$1,186$421
21 years$2,729$2,181$1,728$1,359$1,062$354
22 years$2,577$2,036$1,593$1,236$951$297
23 years$2,439$1,904$1,471$1,125$854$250
24 years$2,313$1,784$1,360$1,026$768$210
25 years$2,197$1,674$1,260$937$691$177
26 years$2,090$1,574$1,168$857$622$149
27 years$1,991$1,481$1,085$784$561$125
28 years$1,899$1,396$1,009$719$506$106
29 years$1,814$1,317$939$659$457$89
30 years$1,734$1,243$874$605$413$75
31 years$1,660$1,175$815$556$373$63
32 years$1,591$1,112$760$511$338$53
33 years$1,526$1,053$710$469$306$45
34 years$1,465$998$663$432$277$38
35 years$1,407$947$620$398$251$32
36 years$1,353$899$580$366$227$27
37 years$1,302$853$543$337$206$23
38 years$1,254$811$509$311$187$19
39 years$1,208$771$476$287$169$16
40 years$1,165$734$447$265$154$14
41 years$1,124$699$419$244$139$12
42 years$1,085$665$393$225$126$10
43 years$1,048$634$369$208$115$8
44 years$1,012$604$346$192$104$7
45 years$979$576$325$177$95$6
46 years$947$550$305$164$86$5
47 years$916$525$287$151$78$4
48 years$887$501$269$140$71$4
49 years$859$478$253$129$64$3
50 years$832$457$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 $852,000, adding $2,579 every year, while hoping to spend $39,722 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: 79/13/8 Blend
34$852,000$852,000$852,000$852,000
35$941,564$896,408$883,202$1,014,735
36$995,340$898,068$870,526$1,064,756
37$1,053,269$898,478$856,093$1,114,170
38$1,115,734$897,535$839,804$1,167,198
39$1,183,154$895,130$821,552$1,224,183
40$1,255,990$891,145$801,228$1,285,499
41$1,334,748$885,458$778,716$1,351,562
42$1,419,984$877,937$753,895$1,422,829
43$1,512,311$868,445$726,639$1,499,803
44$1,612,401$856,833$696,816$1,583,038
45$1,720,994$842,946$664,287$1,673,147
46$1,838,904$826,619$628,909$1,770,803
47$1,967,025$807,676$590,531$1,876,749
48$2,106,342$785,932$548,994$1,991,803
49$2,257,937$761,192$504,134$2,116,870
50$2,423,003$733,246$455,778$2,252,942
51$2,602,850$701,876$403,748$2,401,118
52$2,798,922$666,850$347,855$2,562,607
53$3,012,807$627,920$287,902$2,738,741
54$3,246,252$584,827$223,686$2,930,989
55$3,501,182$537,295$154,992$3,140,974
56$3,779,715$485,035$81,596$3,370,479
57$4,084,183$427,739$3,267$3,621,474
58$4,417,153$365,081$0$3,896,131
59$4,781,452$296,720$0$4,203,700
60$5,180,193$222,292$0$4,540,704
61$5,616,802$141,414$0$4,909,798
62$6,095,055$53,683$0$5,314,212
63$6,619,109$0$0$5,757,506
64$7,193,539$0$0$6,249,517
65$7,823,390$0$0$6,797,441
66$8,514,212$0$0$7,398,434
67$9,272,122$0$0$8,057,818
68$10,103,858$0$0$8,781,460
69$11,016,839$0$0$9,575,818
70$12,019,239$0$0$10,448,008
71$13,120,062$0$0$11,405,868
72$14,329,228$0$0$12,458,033
73$15,657,662$0$0$13,614,015
74$17,117,402$0$0$14,884,293
75$18,721,710$0$0$16,280,412
76$20,485,195$0$0$17,815,089
77$22,423,952$0$0$19,502,336
78$24,555,714$0$0$21,357,591
79$26,900,018$0$0$23,397,861
80$29,478,389$0$0$25,641,886
81$32,314,543$0$0$28,110,310
82$35,434,609$0$0$30,825,882
83$38,867,378$0$0$33,813,664
84$42,644,570$0$0$37,101,272
85$46,801,137$0$0$40,719,132
86$51,375,587$0$0$44,700,770
87$56,410,355$0$0$49,083,126
88$61,952,195$0$0$53,906,903
89$68,052,624$0$0$59,216,950
90$74,768,408$0$0$65,062,685
91$82,162,095$0$0$71,498,562
92$90,302,610$0$0$78,584,583
93$99,265,896$0$0$86,386,862
94$109,135,638$0$0$94,978,253
95$120,004,050$0$0$104,439,034
96$131,972,742$0$0$114,857,663
97$145,153,681$0$0$126,331,618
98$159,670,247$0$0$138,968,307
99$175,658,396$0$0$152,886,092
100$193,267,943$0$0$168,215,395