Can I retire at age 35 with 851,000?

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 $851,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$70,275$69,649$69,038$68,442$67,860$66,929
2 years$34,789$34,142$33,514$32,905$32,314$31,378
3 years$22,963$22,312$21,686$21,082$20,501$19,589
4 years$17,050$16,402$15,782$15,189$14,622$13,740
5 years$13,504$12,859$12,247$11,666$11,115$10,267
6 years$11,140$10,500$9,897$9,330$8,795$7,981
7 years$9,453$8,818$8,225$7,670$7,153$6,373
8 years$8,188$7,559$6,975$6,435$5,934$5,189
9 years$7,204$6,581$6,008$5,481$4,997$4,287
10 years$6,418$5,801$5,238$4,725$4,258$3,581
11 years$5,775$5,164$4,611$4,112$3,662$3,018
12 years$5,240$4,635$4,092$3,607$3,173$2,562
13 years$4,787$4,189$3,656$3,184$2,767$2,187
14 years$4,399$3,808$3,285$2,826$2,426$1,876
15 years$4,064$3,478$2,966$2,521$2,136$1,616
16 years$3,770$3,191$2,689$2,257$1,888$1,397
17 years$3,512$2,939$2,447$2,028$1,674$1,210
18 years$3,282$2,716$2,234$1,828$1,488$1,052
19 years$3,077$2,517$2,045$1,651$1,326$915
20 years$2,892$2,339$1,877$1,496$1,185$798
21 years$2,726$2,179$1,726$1,357$1,060$697
22 years$2,574$2,034$1,591$1,234$950$610
23 years$2,436$1,902$1,469$1,124$853$534
24 years$2,310$1,782$1,359$1,025$767$468
25 years$2,194$1,672$1,258$936$690$410
26 years$2,087$1,572$1,167$856$622$360
27 years$1,988$1,479$1,084$784$560$317
28 years$1,897$1,394$1,007$718$506$278
29 years$1,812$1,315$938$658$457$245
30 years$1,732$1,242$873$604$413$215
31 years$1,658$1,174$814$555$373$189
32 years$1,589$1,111$760$510$337$167
33 years$1,524$1,052$709$469$305$147
34 years$1,463$997$663$431$276$129
35 years$1,406$946$620$397$250$114
36 years$1,352$898$580$366$227$100
37 years$1,301$852$542$337$206$89
38 years$1,252$810$508$311$186$78
39 years$1,207$770$476$286$169$69
40 years$1,163$733$446$264$153$61
41 years$1,122$698$418$244$139$54
42 years$1,083$664$392$225$126$47
43 years$1,046$633$368$208$115$42
44 years$1,011$603$346$192$104$37
45 years$977$575$325$177$94$32
46 years$945$549$305$164$86$29
47 years$915$524$286$151$78$25
48 years$886$500$269$140$71$22
49 years$858$478$253$129$64$20
50 years$831$456$238$119$58$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $851,000, adding $4,480 every year, while hoping to spend $27,248 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: 55/36/9 Blend
34$851,000$851,000$851,000$851,000
35$942,423$897,320$884,130$991,949
36$1,009,559$912,297$884,756$1,040,934
37$1,082,629$927,095$884,491$1,090,856
38$1,162,210$941,676$883,274$1,144,555
39$1,248,937$955,999$881,045$1,202,397
40$1,343,507$970,022$877,740$1,264,781
41$1,446,690$983,699$873,289$1,332,151
42$1,559,332$996,979$867,623$1,404,992
43$1,682,362$1,009,809$860,667$1,483,844
44$1,816,808$1,022,134$852,344$1,569,299
45$1,963,796$1,033,893$842,571$1,662,009
46$2,124,569$1,045,020$831,264$1,762,697
47$2,300,497$1,055,447$818,332$1,872,157
48$2,493,084$1,065,100$803,683$1,991,266
49$2,703,990$1,073,902$787,218$2,120,990
50$2,935,042$1,081,768$768,835$2,262,396
51$3,188,251$1,088,610$748,426$2,416,660
52$3,465,834$1,094,333$725,879$2,585,079
53$3,770,230$1,098,836$701,077$2,769,082
54$4,104,127$1,102,013$673,897$2,970,247
55$4,470,486$1,103,749$644,210$3,190,314
56$4,872,567$1,103,924$611,883$3,431,201
57$5,313,962$1,102,410$576,774$3,695,023
58$5,798,628$1,099,070$538,738$3,984,114
59$6,330,923$1,093,759$497,620$4,301,047
60$6,915,648$1,086,324$453,262$4,648,658
61$7,558,093$1,076,603$405,495$5,030,078
62$8,264,084$1,064,422$354,145$5,448,755
63$9,040,042$1,049,600$299,029$5,908,495
64$9,893,036$1,031,940$239,957$6,413,494
65$10,830,860$1,011,240$176,730$6,968,378
66$11,862,097$987,280$109,140$7,578,248
67$12,996,205$959,830$36,970$8,248,729
68$14,243,603$928,647$0$8,986,025
69$15,615,772$893,473$0$9,800,819
70$17,125,361$854,033$0$10,700,845
71$18,786,307$810,039$0$11,690,888
72$20,613,965$761,186$0$12,780,139
73$22,625,255$707,150$0$13,978,730
74$24,838,819$647,588$0$15,297,832
75$27,275,200$582,141$0$16,749,758
76$29,957,030$510,426$0$18,348,083
77$32,909,249$432,039$0$20,107,770
78$36,159,338$346,554$0$22,045,313
79$39,737,575$253,520$0$24,178,895
80$43,677,328$152,463$0$26,528,559
81$48,015,361$42,879$0$29,116,400
82$52,792,186$0$0$31,966,770
83$58,052,444$0$0$35,136,528
84$63,845,325$0$0$38,646,048
85$70,225,033$0$0$42,511,195
86$77,251,297$0$0$46,768,169
87$84,989,934$0$0$51,456,861
88$93,513,470$0$0$56,621,227
89$102,901,827$0$0$62,309,705
90$113,243,070$0$0$68,575,671
91$124,634,245$0$0$75,477,943
92$137,182,293$0$0$83,081,334
93$151,005,055$0$0$91,457,267
94$166,232,389$0$0$100,684,447
95$183,007,393$0$0$110,849,603
96$201,487,755$0$0$122,048,308
97$221,847,242$0$0$134,385,881
98$244,277,342$0$0$147,978,379
99$268,989,064$0$0$162,953,693
100$296,214,938$0$0$179,452,757