Can I retire at age 35 with 802,000?

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 $802,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$66,228$65,638$65,063$64,501$63,953$62,205
2 years$32,786$32,176$31,584$31,010$30,454$28,705
3 years$21,640$21,027$20,437$19,869$19,321$17,627
4 years$16,069$15,457$14,873$14,314$13,780$12,154
5 years$12,726$12,119$11,542$10,995$10,475$8,921
6 years$10,499$9,896$9,328$8,792$8,289$6,808
7 years$8,909$8,310$7,751$7,229$6,741$5,333
8 years$7,716$7,124$6,574$6,064$5,592$4,257
9 years$6,789$6,202$5,662$5,165$4,710$3,446
10 years$6,048$5,467$4,936$4,452$4,013$2,819
11 years$5,443$4,867$4,346$3,875$3,451$2,325
12 years$4,938$4,368$3,857$3,399$2,991$1,931
13 years$4,511$3,948$3,446$3,001$2,608$1,612
14 years$4,146$3,588$3,096$2,664$2,286$1,351
15 years$3,830$3,278$2,795$2,376$2,013$1,136
16 years$3,553$3,008$2,534$2,127$1,779$959
17 years$3,309$2,770$2,306$1,911$1,577$811
18 years$3,093$2,559$2,105$1,722$1,402$687
19 years$2,900$2,372$1,927$1,556$1,250$583
20 years$2,726$2,204$1,769$1,409$1,117$496
21 years$2,569$2,053$1,627$1,279$999$422
22 years$2,426$1,917$1,499$1,163$896$360
23 years$2,296$1,793$1,384$1,059$804$307
24 years$2,177$1,679$1,280$966$723$262
25 years$2,068$1,576$1,186$882$650$223
26 years$1,967$1,481$1,100$807$586$191
27 years$1,874$1,394$1,021$738$528$163
28 years$1,787$1,314$949$677$477$139
29 years$1,707$1,239$884$620$430$119
30 years$1,633$1,170$823$569$389$102
31 years$1,563$1,106$767$523$351$87
32 years$1,497$1,047$716$481$318$75
33 years$1,436$991$668$442$288$64
34 years$1,379$940$625$407$261$55
35 years$1,325$891$584$374$236$47
36 years$1,274$846$546$345$214$40
37 years$1,226$803$511$318$194$34
38 years$1,180$764$479$293$176$29
39 years$1,137$726$449$270$159$25
40 years$1,096$691$420$249$144$22
41 years$1,058$658$394$230$131$19
42 years$1,021$626$370$212$119$16
43 years$986$597$347$196$108$14
44 years$953$569$326$181$98$12
45 years$921$542$306$167$89$10
46 years$891$517$287$154$81$9
47 years$862$494$270$142$73$7
48 years$835$471$254$132$67$6
49 years$808$450$238$122$60$5
50 years$783$430$224$112$55$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $802,000, adding $6,408 every year, while hoping to spend $31,559 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: 61/23/16 Blend
34$802,000$802,000$802,000$802,000
35$890,414$847,908$835,477$940,762
36$947,658$855,877$829,887$983,409
37$1,009,682$863,179$823,052$1,025,819
38$1,076,943$869,747$814,897$1,071,355
39$1,149,938$875,512$805,343$1,120,323
40$1,229,218$880,398$794,308$1,173,063
41$1,315,387$884,327$781,707$1,229,946
42$1,409,111$887,213$767,448$1,291,385
43$1,511,120$888,966$751,437$1,357,833
44$1,622,220$889,491$733,576$1,429,793
45$1,743,296$888,686$713,761$1,507,820
46$1,875,324$886,443$691,883$1,592,523
47$2,019,377$882,649$667,831$1,684,579
48$2,176,635$877,180$641,485$1,784,732
49$2,348,399$869,909$612,722$1,893,806
50$2,536,099$860,698$581,412$2,012,707
51$2,741,313$849,404$547,421$2,142,438
52$2,965,774$835,872$510,606$2,284,106
53$3,211,392$819,939$470,821$2,438,929
54$3,480,272$801,434$427,911$2,608,257
55$3,774,729$780,173$381,715$2,793,574
56$4,097,313$755,964$332,065$2,996,521
57$4,450,835$728,602$278,785$3,218,908
58$4,838,387$697,870$221,691$3,462,733
59$5,263,376$663,540$160,592$3,730,198
60$5,729,556$625,369$95,287$4,023,735
61$6,241,060$583,101$25,569$4,346,027
62$6,802,441$536,465$0$4,700,033
63$7,418,713$485,176$0$5,097,355
64$8,095,402$428,929$0$5,538,456
65$8,838,592$367,406$0$6,022,981
66$9,654,987$300,267$0$6,555,355
67$10,551,973$227,158$0$7,140,456
68$11,537,685$147,699$0$7,783,661
69$12,621,086$61,493$0$8,490,899
70$13,812,050$0$0$9,268,706
71$15,121,457$0$0$10,132,357
72$16,561,291$0$0$11,099,216
73$18,144,758$0$0$12,162,595
74$19,886,406$0$0$13,332,273
75$21,802,265$0$0$14,619,026
76$23,909,996$0$0$16,034,723
77$26,229,059$0$0$17,592,444
78$28,780,894$0$0$19,306,602
79$31,589,125$0$0$21,193,076
80$34,679,782$0$0$23,269,361
81$38,081,545$0$0$25,554,738
82$41,826,018$0$0$28,070,447
83$45,948,022$0$0$30,839,897
84$50,485,926$0$0$33,888,878
85$55,482,010$0$0$37,245,809
86$60,982,860$0$0$40,942,005
87$67,039,809$0$0$45,011,973
88$73,709,423$0$0$49,493,735
89$81,054,032$0$0$54,429,189
90$89,142,317$0$0$59,864,502
91$98,049,962$0$0$65,850,548
92$107,860,364$0$0$72,443,388
93$118,665,419$0$0$79,704,793
94$130,566,394$0$0$87,702,836
95$143,674,877$0$0$96,512,525
96$158,113,833$0$0$106,216,519
97$174,018,762$0$0$116,905,902
98$191,538,980$0$0$128,681,043
99$210,839,024$0$0$141,652,547
100$232,100,209$0$0$155,942,295