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%11.9%
1 years$66,063$65,475$64,901$64,340$63,793$63,285
2 years$32,705$32,095$31,505$30,933$30,378$29,866
3 years$21,586$20,975$20,386$19,819$19,273$18,772
4 years$16,029$15,419$14,836$14,278$13,746$13,261
5 years$12,695$12,088$11,513$10,967$10,449$9,981
6 years$10,473$9,871$9,304$8,771$8,268$7,818
7 years$8,886$8,290$7,732$7,211$6,724$6,292
8 years$7,697$7,106$6,557$6,049$5,578$5,164
9 years$6,773$6,187$5,648$5,152$4,698$4,301
10 years$6,033$5,453$4,924$4,441$4,003$3,624
11 years$5,429$4,855$4,335$3,865$3,442$3,081
12 years$4,926$4,357$3,847$3,390$2,983$2,638
13 years$4,500$3,938$3,437$2,993$2,601$2,273
14 years$4,136$3,579$3,088$2,657$2,280$1,968
15 years$3,820$3,270$2,788$2,370$2,008$1,711
16 years$3,544$3,000$2,528$2,122$1,775$1,493
17 years$3,301$2,763$2,300$1,906$1,573$1,307
18 years$3,085$2,553$2,100$1,718$1,399$1,147
19 years$2,892$2,366$1,922$1,552$1,247$1,008
20 years$2,719$2,199$1,764$1,406$1,114$889
21 years$2,562$2,048$1,623$1,276$997$784
22 years$2,420$1,912$1,496$1,160$893$693
23 years$2,290$1,788$1,381$1,057$802$613
24 years$2,172$1,675$1,277$964$721$543
25 years$2,063$1,572$1,183$880$649$482
26 years$1,962$1,478$1,097$805$584$428
27 years$1,869$1,391$1,019$737$527$380
28 years$1,783$1,310$947$675$475$338
29 years$1,703$1,236$881$619$429$300
30 years$1,628$1,167$821$568$388$267
31 years$1,559$1,104$765$522$351$238
32 years$1,494$1,044$714$479$317$212
33 years$1,433$989$667$441$287$189
34 years$1,375$937$623$406$260$168
35 years$1,321$889$582$373$235$150
36 years$1,271$844$545$344$213$134
37 years$1,223$801$510$317$193$119
38 years$1,177$762$478$292$175$107
39 years$1,134$724$447$269$159$95
40 years$1,094$689$419$248$144$85
41 years$1,055$656$393$229$131$76
42 years$1,019$625$369$211$119$68
43 years$984$595$346$195$108$60
44 years$951$567$325$180$98$54
45 years$919$541$305$166$89$48
46 years$889$516$287$154$81$43
47 years$860$492$269$142$73$38
48 years$833$470$253$131$66$34
49 years$806$449$238$121$60$31
50 years$781$429$224$112$55$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $800,000, adding $2,335 every year, while hoping to spend $50,516 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: 63/24/13 Blend
34$800,000$800,000$800,000$800,000
35$884,009$841,609$829,209$936,830
36$920,429$829,099$803,238$959,990
37$958,871$814,283$774,705$979,251
38$999,488$796,995$743,470$999,041
39$1,042,446$777,058$709,386$1,019,411
40$1,087,927$754,286$672,303$1,040,421
41$1,136,132$728,481$632,061$1,062,138
42$1,187,275$699,436$588,493$1,084,638
43$1,241,597$666,927$541,427$1,108,007
44$1,299,355$630,722$490,680$1,132,343
45$1,360,835$590,573$436,064$1,157,754
46$1,426,348$546,219$377,379$1,184,366
47$1,496,234$497,382$314,420$1,212,317
48$1,570,867$443,771$246,971$1,241,764
49$1,650,656$385,077$174,805$1,272,883
50$1,736,050$320,972$97,688$1,305,872
51$1,827,541$251,114$15,374$1,340,953
52$1,925,667$175,135$0$1,378,375
53$2,031,022$92,654$0$1,428,468
54$2,144,254$3,262$0$1,484,421
55$2,266,077$0$0$1,544,485
56$2,397,274$0$0$1,633,775
57$2,538,705$0$0$1,731,002
58$2,691,314$0$0$1,835,960
59$2,856,140$0$0$1,949,368
60$3,034,323$0$0$2,072,017
61$3,227,117$0$0$2,204,776
62$3,435,899$0$0$2,348,601
63$3,662,185$0$0$2,504,543
64$3,907,641$0$0$2,673,757
65$4,174,098$0$0$2,857,514
66$4,463,572$0$0$3,057,212
67$4,778,280$0$0$3,274,389
68$5,120,660$0$0$3,510,735
69$5,493,394$0$0$3,768,114
70$5,899,436$0$0$4,048,572
71$6,342,035$0$0$4,354,364
72$6,824,765$0$0$4,687,972
73$7,351,563$0$0$5,052,126
74$7,926,761$0$0$5,449,832
75$8,555,126$0$0$5,884,399
76$9,241,910$0$0$6,359,470
77$9,992,892$0$0$6,879,057
78$10,814,436$0$0$7,447,576
79$11,713,549$0$0$8,069,890
80$12,697,947$0$0$8,751,353
81$13,776,126$0$0$9,497,864
82$14,957,443$0$0$10,315,915
83$16,252,204$0$0$11,212,660
84$17,671,756$0$0$12,195,975
85$19,228,601$0$0$13,274,536
86$20,936,505$0$0$14,457,900
87$22,810,633$0$0$15,756,591
88$24,867,688$0$0$17,182,205
89$27,126,070$0$0$18,747,512
90$29,606,045$0$0$20,466,581
91$32,329,941$0$0$22,354,910
92$35,322,353$0$0$24,429,572
93$38,610,376$0$0$26,709,375
94$42,223,859$0$0$29,215,040
95$46,195,687$0$0$31,969,393
96$50,562,089$0$0$34,997,585
97$55,362,978$0$0$38,327,322
98$60,642,331$0$0$41,989,133
99$66,448,596$0$0$46,016,649
100$72,835,153$0$0$50,446,928