Can I retire at age 35 with 800,000?

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 $800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$66,063$65,475$64,901$64,340$63,793$63,418
2 years$32,705$32,095$31,505$30,933$30,378$29,999
3 years$21,586$20,975$20,386$19,819$19,273$18,902
4 years$16,029$15,419$14,836$14,278$13,746$13,386
5 years$12,695$12,088$11,513$10,967$10,449$10,102
6 years$10,473$9,871$9,304$8,771$8,268$7,934
7 years$8,886$8,290$7,732$7,211$6,724$6,403
8 years$7,697$7,106$6,557$6,049$5,578$5,270
9 years$6,773$6,187$5,648$5,152$4,698$4,402
10 years$6,033$5,453$4,924$4,441$4,003$3,720
11 years$5,429$4,855$4,335$3,865$3,442$3,172
12 years$4,926$4,357$3,847$3,390$2,983$2,725
13 years$4,500$3,938$3,437$2,993$2,601$2,356
14 years$4,136$3,579$3,088$2,657$2,280$2,046
15 years$3,820$3,270$2,788$2,370$2,008$1,785
16 years$3,544$3,000$2,528$2,122$1,775$1,563
17 years$3,301$2,763$2,300$1,906$1,573$1,373
18 years$3,085$2,553$2,100$1,718$1,399$1,209
19 years$2,892$2,366$1,922$1,552$1,247$1,067
20 years$2,719$2,199$1,764$1,406$1,114$943
21 years$2,562$2,048$1,623$1,276$997$836
22 years$2,420$1,912$1,496$1,160$893$741
23 years$2,290$1,788$1,381$1,057$802$659
24 years$2,172$1,675$1,277$964$721$586
25 years$2,063$1,572$1,183$880$649$521
26 years$1,962$1,478$1,097$805$584$465
27 years$1,869$1,391$1,019$737$527$414
28 years$1,783$1,310$947$675$475$370
29 years$1,703$1,236$881$619$429$330
30 years$1,628$1,167$821$568$388$295
31 years$1,559$1,104$765$522$351$264
32 years$1,494$1,044$714$479$317$236
33 years$1,433$989$667$441$287$211
34 years$1,375$937$623$406$260$189
35 years$1,321$889$582$373$235$169
36 years$1,271$844$545$344$213$151
37 years$1,223$801$510$317$193$136
38 years$1,177$762$478$292$175$122
39 years$1,134$724$447$269$159$109
40 years$1,094$689$419$248$144$98
41 years$1,055$656$393$229$131$88
42 years$1,019$625$369$211$119$78
43 years$984$595$346$195$108$70
44 years$951$567$325$180$98$63
45 years$919$541$305$166$89$57
46 years$889$516$287$154$81$51
47 years$860$492$269$142$73$46
48 years$833$470$253$131$66$41
49 years$806$449$238$121$60$37
50 years$781$429$224$112$55$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $800,000, adding $4,811 every year, while hoping to spend $37,230 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: 27/44/29 Blend
34$800,000$800,000$800,000$800,000
35$886,563$844,163$831,763$902,419
36$937,379$845,914$820,014$917,448
37$992,132$846,504$806,624$930,072
38$1,051,182$845,835$791,499$942,875
39$1,114,928$843,806$774,539$955,901
40$1,183,806$840,308$755,642$969,197
41$1,258,297$835,226$734,699$982,822
42$1,338,929$828,438$711,597$996,842
43$1,426,283$819,814$686,219$1,011,334
44$1,520,996$809,218$658,439$1,026,390
45$1,623,771$796,503$628,131$1,042,111
46$1,735,380$781,515$595,157$1,058,616
47$1,856,671$764,092$559,377$1,076,039
48$1,988,579$744,060$520,643$1,094,535
49$2,132,130$721,235$478,802$1,114,278
50$2,288,457$695,425$433,691$1,135,468
51$2,458,803$666,424$385,143$1,158,330
52$2,644,537$634,015$332,981$1,183,118
53$2,847,167$597,969$277,023$1,210,120
54$3,068,350$558,042$217,076$1,239,659
55$3,309,914$513,978$152,940$1,272,102
56$3,573,868$465,506$84,406$1,307,857
57$3,862,425$412,338$11,256$1,347,387
58$4,178,021$354,171$0$1,391,207
59$4,523,340$290,686$0$1,460,570
60$4,901,335$221,544$0$1,540,511
61$5,315,258$146,387$0$1,628,348
62$5,768,692$64,838$0$1,724,970
63$6,265,582$0$0$1,831,367
64$6,810,272$0$0$1,960,016
65$7,407,547$0$0$2,135,641
66$8,062,676$0$0$2,328,413
67$8,781,465$0$0$2,540,059
68$9,570,306$0$0$2,772,479
69$10,436,243$0$0$3,027,765
70$11,387,034$0$0$3,308,224
71$12,431,223$0$0$3,616,396
72$13,578,225$0$0$3,955,079
73$14,838,410$0$0$4,327,358
74$16,223,203$0$0$4,736,628
75$17,745,190$0$0$5,186,631
76$19,418,237$0$0$5,681,492
77$21,257,620$0$0$6,225,751
78$23,280,171$0$0$6,824,415
79$25,504,431$0$0$7,482,997
80$27,950,831$0$0$8,207,572
81$30,641,879$0$0$9,004,836
82$33,602,377$0$0$9,882,163
83$36,859,648$0$0$10,847,682
84$40,443,801$0$0$11,910,345
85$44,388,008$0$0$13,080,020
86$48,728,821$0$0$14,367,579
87$53,506,514$0$0$15,785,001
88$58,765,463$0$0$17,345,486
89$64,554,565$0$0$19,063,579
90$70,927,699$0$0$20,955,305
91$77,944,233$0$0$23,038,326
92$85,669,583$0$0$25,332,101
93$94,175,832$0$0$27,858,073
94$103,542,410$0$0$30,639,870
95$113,856,838$0$0$33,703,528
96$125,215,561$0$0$37,077,740
97$137,724,852$0$0$40,794,119
98$151,501,815$0$0$44,887,503
99$166,675,493$0$0$49,396,284
100$183,388,082$0$0$54,362,762