Can I retire at age 35 with 850,000?

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 $850,000?

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$70,192$69,567$68,957$68,362$67,780$65,453
2 years$34,749$34,101$33,474$32,866$32,276$29,956
3 years$22,936$22,286$21,660$21,058$20,477$18,236
4 years$17,030$16,382$15,763$15,171$14,605$12,460
5 years$13,488$12,844$12,233$11,653$11,102$9,059
6 years$11,127$10,488$9,886$9,319$8,785$6,845
7 years$9,442$8,808$8,215$7,661$7,144$5,308
8 years$8,178$7,550$6,967$6,427$5,927$4,193
9 years$7,196$6,574$6,001$5,474$4,991$3,357
10 years$6,410$5,794$5,232$4,719$4,253$2,715
11 years$5,768$5,158$4,606$4,107$3,658$2,214
12 years$5,234$4,630$4,088$3,602$3,170$1,816
13 years$4,781$4,184$3,652$3,180$2,764$1,498
14 years$4,394$3,803$3,281$2,823$2,423$1,240
15 years$4,059$3,474$2,963$2,518$2,133$1,030
16 years$3,766$3,188$2,686$2,254$1,885$858
17 years$3,507$2,936$2,444$2,026$1,672$716
18 years$3,278$2,713$2,231$1,825$1,486$599
19 years$3,073$2,514$2,043$1,649$1,325$501
20 years$2,889$2,336$1,875$1,494$1,183$420
21 years$2,722$2,176$1,724$1,356$1,059$353
22 years$2,571$2,031$1,589$1,233$949$296
23 years$2,433$1,900$1,467$1,123$852$249
24 years$2,307$1,780$1,357$1,024$766$210
25 years$2,191$1,670$1,257$935$689$176
26 years$2,085$1,570$1,166$855$621$148
27 years$1,986$1,478$1,082$783$560$125
28 years$1,894$1,392$1,006$717$505$105
29 years$1,809$1,313$936$658$456$89
30 years$1,730$1,240$872$603$412$75
31 years$1,656$1,173$813$554$373$63
32 years$1,587$1,109$759$509$337$53
33 years$1,522$1,051$708$468$305$45
34 years$1,461$996$662$431$276$38
35 years$1,404$945$619$397$250$32
36 years$1,350$897$579$365$227$27
37 years$1,299$851$542$337$205$23
38 years$1,251$809$507$310$186$19
39 years$1,205$769$475$286$169$16
40 years$1,162$732$446$264$153$14
41 years$1,121$697$418$243$139$12
42 years$1,082$664$392$225$126$10
43 years$1,045$632$368$207$114$8
44 years$1,010$603$345$192$104$7
45 years$976$575$324$177$94$6
46 years$944$548$304$163$86$5
47 years$914$523$286$151$78$4
48 years$885$500$269$139$71$4
49 years$857$477$253$129$64$3
50 years$830$456$238$119$58$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $850,000, adding $2,196 every year, while hoping to spend $25,154 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: 66/16/18 Blend
34$850,000$850,000$850,000$850,000
35$938,965$893,915$880,740$996,623
36$1,007,976$910,953$883,481$1,052,542
37$1,083,183$927,983$885,471$1,110,539
38$1,165,191$944,978$886,658$1,173,329
39$1,254,667$961,909$886,988$1,241,383
40$1,352,345$978,744$886,403$1,315,217
41$1,459,031$995,449$884,845$1,395,404
42$1,575,615$1,011,989$882,250$1,482,570
43$1,703,074$1,028,323$878,552$1,577,411
44$1,842,487$1,044,411$873,683$1,680,688
45$1,995,040$1,060,206$867,571$1,793,244
46$2,162,039$1,075,661$860,139$1,916,008
47$2,344,922$1,090,723$851,309$2,050,001
48$2,545,273$1,105,338$840,997$2,196,351
49$2,764,837$1,119,445$829,116$2,356,302
50$3,005,535$1,132,982$815,576$2,531,221
51$3,269,482$1,145,881$800,281$2,722,621
52$3,559,010$1,158,070$783,130$2,932,165
53$3,876,685$1,169,471$764,021$3,161,687
54$4,225,334$1,180,003$742,843$3,413,210
55$4,608,072$1,189,577$719,482$3,688,964
56$5,028,330$1,198,100$693,819$3,991,406
57$5,489,886$1,205,474$665,729$4,323,244
58$5,996,904$1,211,592$635,081$4,687,465
59$6,553,970$1,216,342$601,737$5,087,360
60$7,166,136$1,219,604$565,557$5,526,557
61$7,838,969$1,221,251$526,390$6,009,056
62$8,578,600$1,221,148$484,080$6,539,265
63$9,391,785$1,219,152$438,464$7,122,043
64$10,285,967$1,215,111$389,373$7,762,747
65$11,269,347$1,208,862$336,628$8,467,281
66$12,350,959$1,200,235$280,044$9,242,153
67$13,540,757$1,189,048$219,426$10,094,536
68$14,849,711$1,175,107$154,573$11,032,339
69$16,289,903$1,158,209$85,273$12,064,276
70$17,874,648$1,138,137$11,305$13,199,955
71$19,618,618$1,114,661$0$14,449,964
72$21,537,977$1,087,539$0$15,838,964
73$23,650,535$1,056,513$0$17,369,992
74$25,975,918$1,021,310$0$19,055,103
75$28,535,751$981,644$0$20,909,976
76$31,353,860$937,207$0$22,951,889
77$34,456,502$887,679$0$25,199,884
78$37,872,607$832,716$0$27,674,945
79$41,634,053$771,959$0$30,400,197
80$45,775,967$705,026$0$33,401,125
81$50,337,057$631,514$0$36,705,813
82$55,359,974$550,995$0$40,345,209
83$60,891,717$463,020$0$44,353,423
84$66,984,077$367,112$0$48,768,041
85$73,694,121$262,769$0$53,630,486
86$81,084,737$149,460$0$58,986,407
87$89,225,220$26,624$0$64,886,110
88$98,191,933$0$0$71,385,034
89$108,069,021$0$0$78,562,997
90$118,949,210$0$0$86,475,187
91$130,934,678$0$0$95,191,231
92$144,138,023$0$0$104,793,022
93$158,683,321$0$0$115,370,802
94$174,707,301$0$0$127,024,016
95$192,360,632$0$0$139,862,248
96$211,809,349$0$0$154,006,256
97$233,236,415$0$0$169,589,112
98$256,843,450$0$0$186,757,456
99$282,852,636$0$0$205,672,885
100$311,508,811$0$0$226,513,472