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%13.5%
1 years$66,228$65,638$65,063$64,501$63,953$63,023
2 years$32,786$32,176$31,584$31,010$30,454$29,519
3 years$21,640$21,027$20,437$19,869$19,321$18,410
4 years$16,069$15,457$14,873$14,314$13,780$12,900
5 years$12,726$12,119$11,542$10,995$10,475$9,629
6 years$10,499$9,896$9,328$8,792$8,289$7,477
7 years$8,909$8,310$7,751$7,229$6,741$5,965
8 years$7,716$7,124$6,574$6,064$5,592$4,851
9 years$6,789$6,202$5,662$5,165$4,710$4,002
10 years$6,048$5,467$4,936$4,452$4,013$3,339
11 years$5,443$4,867$4,346$3,875$3,451$2,811
12 years$4,938$4,368$3,857$3,399$2,991$2,383
13 years$4,511$3,948$3,446$3,001$2,608$2,032
14 years$4,146$3,588$3,096$2,664$2,286$1,741
15 years$3,830$3,278$2,795$2,376$2,013$1,497
16 years$3,553$3,008$2,534$2,127$1,779$1,292
17 years$3,309$2,770$2,306$1,911$1,577$1,118
18 years$3,093$2,559$2,105$1,722$1,402$970
19 years$2,900$2,372$1,927$1,556$1,250$843
20 years$2,726$2,204$1,769$1,409$1,117$734
21 years$2,569$2,053$1,627$1,279$999$640
22 years$2,426$1,917$1,499$1,163$896$559
23 years$2,296$1,793$1,384$1,059$804$489
24 years$2,177$1,679$1,280$966$723$428
25 years$2,068$1,576$1,186$882$650$375
26 years$1,967$1,481$1,100$807$586$328
27 years$1,874$1,394$1,021$738$528$288
28 years$1,787$1,314$949$677$477$253
29 years$1,707$1,239$884$620$430$222
30 years$1,633$1,170$823$569$389$195
31 years$1,563$1,106$767$523$351$171
32 years$1,497$1,047$716$481$318$151
33 years$1,436$991$668$442$288$132
34 years$1,379$940$625$407$261$116
35 years$1,325$891$584$374$236$102
36 years$1,274$846$546$345$214$90
37 years$1,226$803$511$318$194$79
38 years$1,180$764$479$293$176$70
39 years$1,137$726$449$270$159$61
40 years$1,096$691$420$249$144$54
41 years$1,058$658$394$230$131$48
42 years$1,021$626$370$212$119$42
43 years$986$597$347$196$108$37
44 years$953$569$326$181$98$32
45 years$921$542$306$167$89$29
46 years$891$517$287$154$81$25
47 years$862$494$270$142$73$22
48 years$835$471$254$132$67$20
49 years$808$450$238$122$60$17
50 years$783$430$224$112$55$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $802,000, adding $5,259 every year, while hoping to spend $27,159 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: 60/32/8 Blend
34$802,000$802,000$802,000$802,000
35$889,229$846,723$834,292$940,733
36$951,033$859,315$833,343$988,478
37$1,018,231$871,614$831,453$1,036,954
38$1,091,345$883,577$828,561$1,089,148
39$1,170,947$895,158$824,603$1,145,418
40$1,257,670$906,307$819,513$1,206,161
41$1,352,208$916,972$813,223$1,271,811
42$1,455,326$927,096$805,659$1,342,851
43$1,567,866$936,621$796,745$1,419,809
44$1,690,754$945,481$786,401$1,503,272
45$1,825,010$953,608$774,545$1,593,882
46$1,971,757$960,930$761,088$1,692,352
47$2,132,230$967,370$745,939$1,799,465
48$2,307,792$972,846$729,002$1,916,086
49$2,499,940$977,268$710,176$2,043,168
50$2,710,325$980,546$689,358$2,181,761
51$2,940,764$982,578$666,438$2,333,027
52$3,193,258$983,261$641,300$2,498,242
53$3,470,012$982,482$613,825$2,678,818
54$3,773,452$980,123$583,887$2,876,308
55$4,106,253$976,058$551,356$3,092,428
56$4,471,358$970,152$516,094$3,329,068
57$4,872,011$962,264$477,958$3,588,314
58$5,311,786$952,244$436,799$3,872,465
59$5,794,616$939,933$392,460$4,184,057
60$6,324,837$925,160$344,777$4,525,886
61$6,907,225$907,747$293,582$4,901,035
62$7,547,040$887,505$238,695$5,312,905
63$8,250,077$864,232$179,930$5,765,245
64$9,022,722$837,715$117,094$6,262,188
65$9,872,006$807,730$49,984$6,808,293
66$10,805,680$774,038$0$7,408,588
67$11,832,281$736,388$0$8,070,459
68$12,961,215$694,512$0$8,802,846
69$14,202,844$648,128$0$9,608,233
70$15,568,586$596,938$0$10,494,070
71$17,071,020$540,627$0$11,468,569
72$18,724,008$478,862$0$12,540,783
73$20,542,821$411,290$0$13,720,691
74$22,544,285$337,539$0$15,019,293
75$24,746,940$257,217$0$16,448,717
76$27,171,215$169,907$0$18,022,330
77$29,839,619$75,173$0$19,754,869
78$32,776,954$0$0$21,662,576
79$36,010,548$0$0$23,773,023
80$39,570,514$0$0$26,125,703
81$43,490,035$0$0$28,716,082
82$47,805,671$0$0$31,568,336
83$52,557,711$0$0$34,709,100
84$57,790,548$0$0$38,167,728
85$63,553,102$0$0$41,976,562
86$69,899,276$0$0$46,171,242
87$76,888,467$0$0$50,791,041
88$84,586,130$0$0$55,879,236
89$93,064,387$0$0$61,483,513
90$102,402,717$0$0$67,656,421
91$112,688,698$0$0$74,455,865
92$124,018,837$0$0$81,945,655
93$136,499,481$0$0$90,196,106
94$150,247,819$0$0$99,284,700
95$165,392,987$0$0$109,296,822
96$182,077,288$0$0$120,326,560
97$200,457,536$0$0$132,477,597
98$220,706,533$0$0$145,864,189
99$243,014,701$0$0$160,612,240
100$267,591,879$0$0$176,860,494