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%19.4%
1 years$66,146$65,557$64,982$64,421$63,873$61,460
2 years$32,745$32,136$31,545$30,972$30,416$28,013
3 years$21,613$21,001$20,411$19,844$19,297$16,980
4 years$16,049$15,438$14,854$14,296$13,763$11,549
5 years$12,710$12,104$11,528$10,981$10,462$8,357
6 years$10,486$9,883$9,316$8,782$8,278$6,284
7 years$8,897$8,300$7,742$7,220$6,733$4,848
8 years$7,707$7,115$6,565$6,056$5,585$3,808
9 years$6,781$6,195$5,655$5,159$4,704$3,032
10 years$6,041$5,460$4,930$4,447$4,008$2,439
11 years$5,436$4,861$4,340$3,870$3,447$1,977
12 years$4,932$4,363$3,852$3,395$2,987$1,612
13 years$4,506$3,943$3,441$2,997$2,605$1,321
14 years$4,141$3,584$3,092$2,660$2,283$1,087
15 years$3,825$3,274$2,792$2,373$2,010$897
16 years$3,549$3,004$2,531$2,124$1,777$742
17 years$3,305$2,766$2,303$1,909$1,575$615
18 years$3,089$2,556$2,103$1,720$1,401$511
19 years$2,896$2,369$1,925$1,554$1,249$425
20 years$2,722$2,202$1,767$1,408$1,115$354
21 years$2,565$2,051$1,625$1,278$998$295
22 years$2,423$1,914$1,498$1,162$895$246
23 years$2,293$1,790$1,383$1,058$803$205
24 years$2,174$1,677$1,279$965$722$172
25 years$2,065$1,574$1,184$881$649$143
26 years$1,964$1,479$1,098$806$585$120
27 years$1,871$1,392$1,020$737$527$100
28 years$1,785$1,312$948$676$476$84
29 years$1,705$1,238$882$620$430$70
30 years$1,630$1,169$822$569$388$59
31 years$1,561$1,105$766$522$351$49
32 years$1,496$1,046$715$480$318$41
33 years$1,434$990$668$441$287$34
34 years$1,377$938$624$406$260$29
35 years$1,323$890$583$374$236$24
36 years$1,272$845$546$344$214$20
37 years$1,224$802$511$317$194$17
38 years$1,179$763$478$292$175$14
39 years$1,136$725$448$270$159$12
40 years$1,095$690$420$249$144$10
41 years$1,056$657$394$229$131$8
42 years$1,020$625$369$212$119$7
43 years$985$596$347$195$108$6
44 years$952$568$325$180$98$5
45 years$920$542$305$167$89$4
46 years$890$517$287$154$81$3
47 years$861$493$270$142$73$3
48 years$834$471$253$131$67$2
49 years$807$450$238$121$60$2
50 years$782$429$224$112$55$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $801,000, adding $5,667 every year, while hoping to spend $48,308 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: 57/32/11 Blend
34$801,000$801,000$801,000$801,000
35$888,548$846,095$833,679$936,473
36$927,780$836,154$810,208$959,548
37$969,395$824,107$784,331$978,828
38$1,013,585$809,800$755,918$998,682
39$1,060,559$793,069$724,830$1,019,172
40$1,110,548$773,741$690,924$1,040,367
41$1,163,803$751,633$654,049$1,062,347
42$1,220,599$726,551$614,048$1,085,203
43$1,281,239$698,291$570,756$1,109,035
44$1,346,051$666,633$524,003$1,133,961
45$1,415,400$631,350$473,608$1,160,109
46$1,489,682$592,197$419,385$1,187,627
47$1,569,333$548,918$361,138$1,216,681
48$1,654,830$501,240$298,662$1,247,455
49$1,746,700$448,878$231,744$1,280,159
50$1,845,517$391,527$160,161$1,315,028
51$1,951,914$328,866$83,681$1,352,325
52$2,066,585$260,556$2,060$1,392,346
53$2,190,294$186,240$0$1,435,420
54$2,323,877$105,540$0$1,491,898
55$2,468,257$18,055$0$1,553,119
56$2,624,445$0$0$1,619,336
57$2,793,553$0$0$1,718,082
58$2,976,805$0$0$1,832,035
59$3,175,545$0$0$1,955,681
60$3,391,253$0$0$2,089,947
61$3,625,554$0$0$2,235,854
62$3,880,239$0$0$2,394,524
63$4,157,275$0$0$2,567,193
64$4,458,828$0$0$2,755,220
65$4,787,282$0$0$2,960,100
66$5,145,258$0$0$3,183,479
67$5,535,642$0$0$3,427,168
68$5,961,610$0$0$3,693,161
69$6,426,659$0$0$3,983,653
70$6,934,638$0$0$4,301,059
71$7,489,783$0$0$4,648,040
72$8,096,759$0$0$5,027,523
73$8,760,701$0$0$5,442,733
74$9,487,265$0$0$5,897,220
75$10,282,677$0$0$6,394,893
76$11,153,794$0$0$6,940,059
77$12,108,167$0$0$7,537,457
78$13,154,111$0$0$8,192,309
79$14,300,786$0$0$8,910,366
80$15,558,277$0$0$9,697,962
81$16,937,695$0$0$10,562,073
82$18,451,277$0$0$11,510,384
83$20,112,501$0$0$12,551,357
84$21,936,214$0$0$13,694,318
85$23,938,772$0$0$14,949,537
86$26,138,190$0$0$16,328,327
87$28,554,315$0$0$17,843,154
88$31,209,011$0$0$19,507,746
89$34,126,364$0$0$21,337,232
90$37,332,908$0$0$23,348,275
91$40,857,879$0$0$25,559,237
92$44,733,482$0$0$27,990,343
93$48,995,202$0$0$30,663,881
94$53,682,133$0$0$33,604,403
95$58,837,348$0$0$36,838,962
96$64,508,303$0$0$40,397,363
97$70,747,286$0$0$44,312,447
98$77,611,909$0$0$48,620,398
99$85,165,647$0$0$53,361,085
100$93,478,442$0$0$58,578,436