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%17.3%
1 years$70,357$69,731$69,119$68,522$67,940$65,923
2 years$34,830$34,182$33,553$32,943$32,352$30,337
3 years$22,990$22,338$21,711$21,107$20,526$18,576
4 years$17,070$16,421$15,800$15,207$14,639$12,769
5 years$13,520$12,874$12,262$11,680$11,128$9,343
6 years$11,153$10,513$9,909$9,341$8,805$7,106
7 years$9,464$8,829$8,235$7,679$7,161$5,548
8 years$8,197$7,568$6,984$6,442$5,941$4,413
9 years$7,213$6,589$6,015$5,487$5,003$3,559
10 years$6,425$5,808$5,244$4,730$4,263$2,901
11 years$5,782$5,170$4,617$4,117$3,666$2,384
12 years$5,246$4,641$4,097$3,611$3,177$1,971
13 years$4,793$4,194$3,661$3,188$2,770$1,639
14 years$4,405$3,812$3,289$2,830$2,429$1,368
15 years$4,068$3,482$2,970$2,524$2,138$1,146
16 years$3,775$3,195$2,692$2,260$1,890$963
17 years$3,516$2,943$2,450$2,030$1,676$811
18 years$3,286$2,719$2,236$1,830$1,490$684
19 years$3,080$2,520$2,047$1,653$1,328$578
20 years$2,896$2,342$1,879$1,497$1,186$489
21 years$2,729$2,181$1,728$1,359$1,062$414
22 years$2,577$2,036$1,593$1,236$951$351
23 years$2,439$1,904$1,471$1,125$854$298
24 years$2,313$1,784$1,360$1,026$768$253
25 years$2,197$1,674$1,260$937$691$215
26 years$2,090$1,574$1,168$857$622$183
27 years$1,991$1,481$1,085$784$561$156
28 years$1,899$1,396$1,009$719$506$132
29 years$1,814$1,317$939$659$457$113
30 years$1,734$1,243$874$605$413$96
31 years$1,660$1,175$815$556$373$82
32 years$1,591$1,112$760$511$338$70
33 years$1,526$1,053$710$469$306$59
34 years$1,465$998$663$432$277$50
35 years$1,407$947$620$398$251$43
36 years$1,353$899$580$366$227$37
37 years$1,302$853$543$337$206$31
38 years$1,254$811$509$311$187$27
39 years$1,208$771$476$287$169$23
40 years$1,165$734$447$265$154$19
41 years$1,124$699$419$244$139$16
42 years$1,085$665$393$225$126$14
43 years$1,048$634$369$208$115$12
44 years$1,012$604$346$192$104$10
45 years$979$576$325$177$95$9
46 years$947$550$305$164$86$7
47 years$916$525$287$151$78$6
48 years$887$501$269$140$71$5
49 years$859$478$253$129$64$5
50 years$832$457$238$119$58$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $852,000, adding $2,846 every year, while hoping to spend $59,431 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: 59/14/27 Blend
34$852,000$852,000$852,000$852,000
35$941,840$896,684$883,478$990,359
36$974,673$877,387$849,840$1,004,521
37$1,008,864$855,153$813,084$1,013,381
38$1,044,487$829,775$773,041$1,021,798
39$1,081,625$801,034$729,538$1,029,745
40$1,120,365$768,698$682,392$1,037,194
41$1,160,801$732,524$631,411$1,044,118
42$1,203,036$692,250$576,396$1,050,489
43$1,247,179$647,604$517,139$1,056,281
44$1,293,350$598,296$453,422$1,061,467
45$1,341,678$544,018$385,018$1,066,024
46$1,392,302$484,448$311,689$1,069,929
47$1,445,374$419,243$233,187$1,073,160
48$1,501,057$348,041$149,254$1,075,699
49$1,559,530$270,460$59,619$1,077,531
50$1,620,986$186,097$0$1,078,644
51$1,685,635$94,524$0$1,089,412
52$1,753,708$0$0$1,118,454
53$1,825,451$0$0$1,149,394
54$1,901,138$0$0$1,197,424
55$1,981,065$0$0$1,248,173
56$2,065,552$0$0$1,301,849
57$2,154,954$0$0$1,358,680
58$2,249,655$0$0$1,418,916
59$2,350,074$0$0$1,482,828
60$2,456,670$0$0$1,550,713
61$2,569,947$0$0$1,622,897
62$2,690,453$0$0$1,699,734
63$2,818,789$0$0$1,781,615
64$2,955,613$0$0$1,868,966
65$3,101,647$0$0$1,962,253
66$3,257,680$0$0$2,061,990
67$3,424,578$0$0$2,168,737
68$3,603,290$0$0$2,283,109
69$3,794,856$0$0$2,405,782
70$4,000,420$0$0$2,537,496
71$4,221,233$0$0$2,679,064
72$4,458,671$0$0$2,831,379
73$4,714,245$0$0$2,995,420
74$4,989,611$0$0$3,172,262
75$5,286,593$0$0$3,363,090
76$5,607,190$0$0$3,569,200
77$5,953,601$0$0$3,792,020
78$6,328,241$0$0$4,033,119
79$6,733,768$0$0$4,294,220
80$7,173,099$0$0$4,577,221
81$7,649,446$0$0$4,884,204
82$8,166,338$0$0$5,217,464
83$8,727,657$0$0$5,579,520
84$9,337,673$0$0$5,973,148
85$10,001,086$0$0$6,401,397
86$10,723,061$0$0$6,867,626
87$11,509,287$0$0$7,375,529
88$12,366,021$0$0$7,929,172
89$13,300,149$0$0$8,533,028
90$14,319,252$0$0$9,192,023
91$15,431,671$0$0$9,911,576
92$16,646,591$0$0$10,697,656
93$17,974,120$0$0$11,556,832
94$19,425,390$0$0$12,496,337
95$21,012,652$0$0$13,524,133
96$22,749,401$0$0$14,648,989
97$24,650,492$0$0$15,880,560
98$26,732,284$0$0$17,229,479
99$29,012,794$0$0$18,707,455
100$31,511,861$0$0$20,327,381