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%11.2%
1 years$70,357$69,731$69,119$68,522$67,940$67,597
2 years$34,830$34,182$33,553$32,943$32,352$32,006
3 years$22,990$22,338$21,711$21,107$20,526$20,187
4 years$17,070$16,421$15,800$15,207$14,639$14,310
5 years$13,520$12,874$12,262$11,680$11,128$10,811
6 years$11,153$10,513$9,909$9,341$8,805$8,500
7 years$9,464$8,829$8,235$7,679$7,161$6,867
8 years$8,197$7,568$6,984$6,442$5,941$5,658
9 years$7,213$6,589$6,015$5,487$5,003$4,732
10 years$6,425$5,808$5,244$4,730$4,263$4,004
11 years$5,782$5,170$4,617$4,117$3,666$3,418
12 years$5,246$4,641$4,097$3,611$3,177$2,940
13 years$4,793$4,194$3,661$3,188$2,770$2,545
14 years$4,405$3,812$3,289$2,830$2,429$2,213
15 years$4,068$3,482$2,970$2,524$2,138$1,934
16 years$3,775$3,195$2,692$2,260$1,890$1,695
17 years$3,516$2,943$2,450$2,030$1,676$1,491
18 years$3,286$2,719$2,236$1,830$1,490$1,315
19 years$3,080$2,520$2,047$1,653$1,328$1,162
20 years$2,896$2,342$1,879$1,497$1,186$1,029
21 years$2,729$2,181$1,728$1,359$1,062$913
22 years$2,577$2,036$1,593$1,236$951$811
23 years$2,439$1,904$1,471$1,125$854$722
24 years$2,313$1,784$1,360$1,026$768$643
25 years$2,197$1,674$1,260$937$691$573
26 years$2,090$1,574$1,168$857$622$511
27 years$1,991$1,481$1,085$784$561$457
28 years$1,899$1,396$1,009$719$506$408
29 years$1,814$1,317$939$659$457$365
30 years$1,734$1,243$874$605$413$327
31 years$1,660$1,175$815$556$373$293
32 years$1,591$1,112$760$511$338$262
33 years$1,526$1,053$710$469$306$235
34 years$1,465$998$663$432$277$211
35 years$1,407$947$620$398$251$189
36 years$1,353$899$580$366$227$169
37 years$1,302$853$543$337$206$152
38 years$1,254$811$509$311$187$136
39 years$1,208$771$476$287$169$122
40 years$1,165$734$447$265$154$110
41 years$1,124$699$419$244$139$99
42 years$1,085$665$393$225$126$89
43 years$1,048$634$369$208$115$80
44 years$1,012$604$346$192$104$72
45 years$979$576$325$177$95$64
46 years$947$550$305$164$86$58
47 years$916$525$287$151$78$52
48 years$887$501$269$140$71$47
49 years$859$478$253$129$64$42
50 years$832$457$238$119$58$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $852,000, adding $5,375 every year, while hoping to spend $42,091 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: 55/32/13 Blend
34$852,000$852,000$852,000$852,000
35$944,448$899,292$886,086$992,933
36$995,998$898,573$870,986$1,025,738
37$1,051,394$896,408$853,969$1,056,408
38$1,110,986$892,682$834,926$1,088,828
39$1,175,155$887,272$813,745$1,123,174
40$1,244,321$880,048$790,306$1,159,639
41$1,318,945$870,874$764,484$1,198,442
42$1,399,534$859,603$736,150$1,239,822
43$1,486,643$846,080$705,168$1,284,046
44$1,580,885$830,142$671,395$1,331,412
45$1,682,931$811,615$634,683$1,382,248
46$1,793,521$790,315$594,876$1,436,920
47$1,913,468$766,048$551,812$1,495,835
48$2,043,665$738,608$505,321$1,559,440
49$2,185,095$707,776$455,225$1,628,237
50$2,338,840$673,322$401,341$1,702,777
51$2,506,089$635,003$343,473$1,783,675
52$2,688,151$592,559$281,420$1,871,609
53$2,886,466$545,718$214,972$1,967,333
54$3,102,620$494,192$143,907$2,071,682
55$3,338,355$437,676$67,997$2,185,578
56$3,595,593$375,848$0$2,310,047
57$3,876,446$308,366$0$2,448,025
58$4,183,240$234,873$0$2,609,145
59$4,518,536$154,987$0$2,785,389
60$4,885,153$68,308$0$2,978,332
61$5,286,195$0$0$3,189,712
62$5,725,081$0$0$3,430,461
63$6,205,573$0$0$3,720,443
64$6,731,817$0$0$4,038,115
65$7,308,375$0$0$4,386,243
66$7,940,275$0$0$4,767,872
67$8,633,052$0$0$5,186,354
68$9,392,802$0$0$5,645,386
69$10,226,240$0$0$6,149,034
70$11,140,764$0$0$6,701,780
71$12,144,520$0$0$7,308,561
72$13,246,482$0$0$7,974,815
73$14,456,535$0$0$8,706,531
74$15,785,569$0$0$9,510,309
75$17,245,581$0$0$10,393,416
76$18,849,786$0$0$11,363,862
77$20,612,741$0$0$12,430,468
78$22,550,487$0$0$13,602,954
79$24,680,693$0$0$14,892,027
80$27,022,827$0$0$16,309,486
81$29,598,337$0$0$17,868,327
82$32,430,853$0$0$19,582,872
83$35,546,410$0$0$21,468,897
84$38,973,694$0$0$23,543,787
85$42,744,310$0$0$25,826,694
86$46,893,080$0$0$28,338,724
87$51,458,374$0$0$31,103,129
88$56,482,467$0$0$34,145,529
89$62,011,941$0$0$37,494,156
90$68,098,121$0$0$41,180,114
91$74,797,562$0$0$45,237,680
92$82,172,579$0$0$49,704,618
93$90,291,837$0$0$54,622,544
94$99,230,995$0$0$60,037,313
95$109,073,422$0$0$65,999,450
96$119,910,985$0$0$72,564,634
97$131,844,909$0$0$79,794,213
98$144,986,738$0$0$87,755,790
99$159,459,384$0$0$96,523,860
100$175,398,285$0$0$106,180,507