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%16.2%
1 years$66,146$65,557$64,982$64,421$63,873$62,253
2 years$32,745$32,136$31,545$30,972$30,416$28,794
3 years$21,613$21,001$20,411$19,844$19,297$17,725
4 years$16,049$15,438$14,854$14,296$13,763$12,252
5 years$12,710$12,104$11,528$10,981$10,462$9,016
6 years$10,486$9,883$9,316$8,782$8,278$6,899
7 years$8,897$8,300$7,742$7,220$6,733$5,421
8 years$7,707$7,115$6,565$6,056$5,585$4,340
9 years$6,781$6,195$5,655$5,159$4,704$3,523
10 years$6,041$5,460$4,930$4,447$4,008$2,891
11 years$5,436$4,861$4,340$3,870$3,447$2,393
12 years$4,932$4,363$3,852$3,395$2,987$1,993
13 years$4,506$3,943$3,441$2,997$2,605$1,669
14 years$4,141$3,584$3,092$2,660$2,283$1,404
15 years$3,825$3,274$2,792$2,373$2,010$1,185
16 years$3,549$3,004$2,531$2,124$1,777$1,004
17 years$3,305$2,766$2,303$1,909$1,575$852
18 years$3,089$2,556$2,103$1,720$1,401$725
19 years$2,896$2,369$1,925$1,554$1,249$617
20 years$2,722$2,202$1,767$1,408$1,115$527
21 years$2,565$2,051$1,625$1,278$998$450
22 years$2,423$1,914$1,498$1,162$895$385
23 years$2,293$1,790$1,383$1,058$803$330
24 years$2,174$1,677$1,279$965$722$282
25 years$2,065$1,574$1,184$881$649$242
26 years$1,964$1,479$1,098$806$585$208
27 years$1,871$1,392$1,020$737$527$178
28 years$1,785$1,312$948$676$476$153
29 years$1,705$1,238$882$620$430$131
30 years$1,630$1,169$822$569$388$113
31 years$1,561$1,105$766$522$351$97
32 years$1,496$1,046$715$480$318$83
33 years$1,434$990$668$441$287$72
34 years$1,377$938$624$406$260$62
35 years$1,323$890$583$374$236$53
36 years$1,272$845$546$344$214$46
37 years$1,224$802$511$317$194$39
38 years$1,179$763$478$292$175$34
39 years$1,136$725$448$270$159$29
40 years$1,095$690$420$249$144$25
41 years$1,056$657$394$229$131$21
42 years$1,020$625$369$212$119$18
43 years$985$596$347$195$108$16
44 years$952$568$325$180$98$14
45 years$920$542$305$167$89$12
46 years$890$517$287$154$81$10
47 years$861$493$270$142$73$9
48 years$834$471$253$131$67$7
49 years$807$450$238$121$60$6
50 years$782$429$224$112$55$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $801,000, adding $6,725 every year, while hoping to spend $48,319 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: 22/50/28 Blend
34$801,000$801,000$801,000$801,000
35$889,639$847,186$834,770$901,208
36$928,971$837,287$811,324$902,053
37$970,696$825,283$785,473$898,483
38$1,015,005$811,021$757,085$893,625
39$1,062,112$794,337$726,024$887,403
40$1,112,246$775,059$692,144$879,742
41$1,165,660$753,002$655,296$870,563
42$1,222,632$727,973$615,323$859,786
43$1,283,464$699,767$572,060$847,331
44$1,348,489$668,167$525,335$833,114
45$1,418,070$632,943$474,970$817,050
46$1,492,609$593,853$420,776$799,056
47$1,572,541$550,638$362,559$779,047
48$1,658,350$503,028$300,114$756,936
49$1,750,560$450,736$233,227$732,641
50$1,849,753$393,457$161,675$706,078
51$1,956,564$330,873$85,227$677,166
52$2,071,690$262,642$3,639$645,825
53$2,195,900$188,409$0$611,982
54$2,330,034$107,794$0$600,492
55$2,475,021$20,399$0$589,144
56$2,631,877$0$0$576,876
57$2,801,721$0$0$604,548
58$2,985,783$0$0$646,819
59$3,185,415$0$0$692,790
60$3,402,104$0$0$742,821
61$3,637,487$0$0$797,305
62$3,893,363$0$0$856,675
63$4,171,711$0$0$921,410
64$4,474,709$0$0$992,035
65$4,804,753$0$0$1,069,127
66$5,164,481$0$0$1,153,324
67$5,556,796$0$0$1,245,326
68$5,984,890$0$0$1,345,904
69$6,452,281$0$0$1,455,909
70$6,962,840$0$0$1,576,275
71$7,520,827$0$0$1,708,031
72$8,130,934$0$0$1,852,313
73$8,798,325$0$0$2,010,369
74$9,528,688$0$0$2,183,573
75$10,328,286$0$0$2,373,441
76$11,204,015$0$0$2,581,640
77$12,163,469$0$0$2,810,008
78$13,215,011$0$0$3,060,569
79$14,367,853$0$0$3,335,550
80$15,632,139$0$0$3,637,409
81$17,019,044$0$0$3,968,848
82$18,540,874$0$0$4,332,847
83$20,211,187$0$0$4,732,688
84$22,044,914$0$0$5,171,987
85$24,058,506$0$0$5,654,725
86$26,270,082$0$0$6,185,292
87$28,699,603$0$0$6,768,521
88$31,369,059$0$0$7,409,738
89$34,302,676$0$0$8,114,809
90$37,527,142$0$0$8,890,201
91$41,071,860$0$0$9,743,034
92$44,969,223$0$0$10,681,156
93$49,254,920$0$0$11,713,213
94$53,968,272$0$0$12,848,732
95$59,152,600$0$0$14,098,207
96$64,855,635$0$0$15,473,204
97$71,129,969$0$0$16,986,466
98$78,033,545$0$0$18,652,033
99$85,630,207$0$0$20,485,376
100$93,990,303$0$0$22,503,541