Can I retire at age 35 with 801,000?

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 $801,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$66,146$65,557$64,982$64,421$63,873$61,952
2 years$32,745$32,136$31,545$30,972$30,416$28,497
3 years$21,613$21,001$20,411$19,844$19,297$17,440
4 years$16,049$15,438$14,854$14,296$13,763$11,982
5 years$12,710$12,104$11,528$10,981$10,462$8,763
6 years$10,486$9,883$9,316$8,782$8,278$6,661
7 years$8,897$8,300$7,742$7,220$6,733$5,198
8 years$7,707$7,115$6,565$6,056$5,585$4,132
9 years$6,781$6,195$5,655$5,159$4,704$3,331
10 years$6,041$5,460$4,930$4,447$4,008$2,713
11 years$5,436$4,861$4,340$3,870$3,447$2,228
12 years$4,932$4,363$3,852$3,395$2,987$1,841
13 years$4,506$3,943$3,441$2,997$2,605$1,529
14 years$4,141$3,584$3,092$2,660$2,283$1,276
15 years$3,825$3,274$2,792$2,373$2,010$1,068
16 years$3,549$3,004$2,531$2,124$1,777$897
17 years$3,305$2,766$2,303$1,909$1,575$754
18 years$3,089$2,556$2,103$1,720$1,401$636
19 years$2,896$2,369$1,925$1,554$1,249$537
20 years$2,722$2,202$1,767$1,408$1,115$454
21 years$2,565$2,051$1,625$1,278$998$384
22 years$2,423$1,914$1,498$1,162$895$326
23 years$2,293$1,790$1,383$1,058$803$276
24 years$2,174$1,677$1,279$965$722$234
25 years$2,065$1,574$1,184$881$649$199
26 years$1,964$1,479$1,098$806$585$169
27 years$1,871$1,392$1,020$737$527$144
28 years$1,785$1,312$948$676$476$122
29 years$1,705$1,238$882$620$430$104
30 years$1,630$1,169$822$569$388$88
31 years$1,561$1,105$766$522$351$75
32 years$1,496$1,046$715$480$318$64
33 years$1,434$990$668$441$287$54
34 years$1,377$938$624$406$260$46
35 years$1,323$890$583$374$236$39
36 years$1,272$845$546$344$214$34
37 years$1,224$802$511$317$194$29
38 years$1,179$763$478$292$175$24
39 years$1,136$725$448$270$159$21
40 years$1,095$690$420$249$144$18
41 years$1,056$657$394$229$131$15
42 years$1,020$625$369$212$119$13
43 years$985$596$347$195$108$11
44 years$952$568$325$180$98$9
45 years$920$542$305$167$89$8
46 years$890$517$287$154$81$7
47 years$861$493$270$142$73$6
48 years$834$471$253$131$67$5
49 years$807$450$238$121$60$4
50 years$782$429$224$112$55$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $801,000, adding $3,592 every year, while hoping to spend $46,123 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: 41/33/26 Blend
34$801,000$801,000$801,000$801,000
35$886,407$843,954$831,539$915,844
36$927,746$836,233$810,321$929,668
37$971,756$826,588$786,846$940,009
38$1,018,660$814,876$760,990$950,305
39$1,068,704$800,946$732,624$960,581
40$1,122,155$784,636$701,611$970,865
41$1,179,309$765,777$667,808$981,193
42$1,240,487$744,188$631,069$991,610
43$1,306,043$719,680$591,236$1,002,166
44$1,376,365$692,050$548,148$1,012,924
45$1,451,880$661,085$501,636$1,023,958
46$1,533,052$626,560$451,522$1,035,352
47$1,620,397$588,235$397,621$1,047,206
48$1,714,476$545,857$339,740$1,059,635
49$1,815,909$499,160$277,678$1,072,772
50$1,925,374$447,861$211,222$1,086,769
51$2,043,619$391,663$140,155$1,101,803
52$2,171,462$330,249$64,244$1,118,072
53$2,309,807$263,287$0$1,135,804
54$2,459,644$190,424$0$1,159,910
55$2,622,063$111,290$0$1,205,355
56$2,798,262$25,492$0$1,254,701
57$2,989,558$0$0$1,308,401
58$3,197,402$0$0$1,391,427
59$3,423,388$0$0$1,491,855
60$3,669,269$0$0$1,601,220
61$3,936,976$0$0$1,720,392
62$4,228,633$0$0$1,850,328
63$4,546,577$0$0$1,992,083
64$4,893,379$0$0$2,146,818
65$5,271,871$0$0$2,315,809
66$5,685,170$0$0$2,500,462
67$6,136,706$0$0$2,702,326
68$6,630,255$0$0$2,923,105
69$7,169,975$0$0$3,164,676
70$7,760,445$0$0$3,429,104
71$8,406,706$0$0$3,718,665
72$9,114,309$0$0$4,035,865
73$9,889,365$0$0$4,383,463
74$10,738,608$0$0$4,764,498
75$11,669,449$0$0$5,182,317
76$12,690,055$0$0$5,640,607
77$13,809,418$0$0$6,143,427
78$15,037,443$0$0$6,695,251
79$16,385,039$0$0$7,301,005
80$17,864,224$0$0$7,966,114
81$19,488,235$0$0$8,696,558
82$21,271,654$0$0$9,498,921
83$23,230,544$0$0$10,380,458
84$25,382,600$0$0$11,349,159
85$27,747,315$0$0$12,413,830
86$30,346,165$0$0$13,584,169
87$33,202,810$0$0$14,870,863
88$36,343,315$0$0$16,285,685
89$39,796,396$0$0$17,841,605
90$43,593,693$0$0$19,552,915
91$47,770,063$0$0$21,435,359
92$52,363,912$0$0$23,506,287
93$57,417,555$0$0$25,784,811
94$62,977,614$0$0$28,291,993
95$69,095,458$0$0$31,051,036
96$75,827,687$0$0$34,087,510
97$83,236,664$0$0$37,429,587
98$91,391,106$0$0$41,108,307
99$100,366,727$0$0$45,157,875
100$110,246,953$0$0$49,615,980