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%18.8%
1 years$66,228$65,638$65,063$64,501$63,953$61,684
2 years$32,786$32,176$31,584$31,010$30,454$28,192
3 years$21,640$21,027$20,437$19,869$19,321$17,137
4 years$16,069$15,457$14,873$14,314$13,780$11,691
5 years$12,726$12,119$11,542$10,995$10,475$8,487
6 years$10,499$9,896$9,328$8,792$8,289$6,403
7 years$8,909$8,310$7,751$7,229$6,741$4,956
8 years$7,716$7,124$6,574$6,064$5,592$3,908
9 years$6,789$6,202$5,662$5,165$4,710$3,123
10 years$6,048$5,467$4,936$4,452$4,013$2,521
11 years$5,443$4,867$4,346$3,875$3,451$2,052
12 years$4,938$4,368$3,857$3,399$2,991$1,680
13 years$4,511$3,948$3,446$3,001$2,608$1,382
14 years$4,146$3,588$3,096$2,664$2,286$1,142
15 years$3,830$3,278$2,795$2,376$2,013$947
16 years$3,553$3,008$2,534$2,127$1,779$787
17 years$3,309$2,770$2,306$1,911$1,577$655
18 years$3,093$2,559$2,105$1,722$1,402$547
19 years$2,900$2,372$1,927$1,556$1,250$457
20 years$2,726$2,204$1,769$1,409$1,117$382
21 years$2,569$2,053$1,627$1,279$999$320
22 years$2,426$1,917$1,499$1,163$896$268
23 years$2,296$1,793$1,384$1,059$804$225
24 years$2,177$1,679$1,280$966$723$189
25 years$2,068$1,576$1,186$882$650$158
26 years$1,967$1,481$1,100$807$586$133
27 years$1,874$1,394$1,021$738$528$112
28 years$1,787$1,314$949$677$477$94
29 years$1,707$1,239$884$620$430$79
30 years$1,633$1,170$823$569$389$66
31 years$1,563$1,106$767$523$351$56
32 years$1,497$1,047$716$481$318$47
33 years$1,436$991$668$442$288$40
34 years$1,379$940$625$407$261$33
35 years$1,325$891$584$374$236$28
36 years$1,274$846$546$345$214$24
37 years$1,226$803$511$318$194$20
38 years$1,180$764$479$293$176$17
39 years$1,137$726$449$270$159$14
40 years$1,096$691$420$249$144$12
41 years$1,058$658$394$230$131$10
42 years$1,021$626$370$212$119$8
43 years$986$597$347$196$108$7
44 years$953$569$326$181$98$6
45 years$921$542$306$167$89$5
46 years$891$517$287$154$81$4
47 years$862$494$270$142$73$4
48 years$835$471$254$132$67$3
49 years$808$450$238$122$60$3
50 years$783$430$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 $802,000, adding $5,494 every year, while hoping to spend $42,402 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: 71/12/17 Blend
34$802,000$802,000$802,000$802,000
35$889,471$846,965$834,534$948,703
36$935,082$843,351$817,376$985,186
37$983,924$838,139$798,221$1,019,499
38$1,036,281$831,205$776,959$1,055,979
39$1,092,467$822,419$753,473$1,094,835
40$1,152,825$811,644$727,640$1,136,296
41$1,217,730$798,731$699,333$1,180,615
42$1,287,596$783,527$668,418$1,228,073
43$1,362,876$765,865$634,755$1,278,980
44$1,444,070$745,572$598,200$1,333,679
45$1,531,723$722,464$558,598$1,392,547
46$1,626,439$696,345$515,791$1,456,003
47$1,728,878$667,007$469,612$1,524,510
48$1,839,766$634,234$419,887$1,598,577
49$1,959,904$597,793$366,434$1,678,770
50$2,090,168$557,439$309,064$1,765,711
51$2,231,526$512,914$247,578$1,860,088
52$2,385,039$463,944$181,770$1,962,664
53$2,551,876$410,241$111,422$2,074,277
54$2,733,323$351,498$36,311$2,195,856
55$2,930,794$287,393$0$2,328,425
56$3,145,845$217,586$0$2,481,069
57$3,380,189$141,715$0$2,654,632
58$3,635,710$59,401$0$2,843,945
59$3,914,483$0$0$3,050,581
60$4,218,790$0$0$3,280,202
61$4,551,145$0$0$3,539,593
62$4,914,315$0$0$3,823,072
63$5,311,345$0$0$4,133,024
64$5,745,588$0$0$4,472,070
65$6,220,738$0$0$4,843,100
66$6,740,860$0$0$5,249,294
67$7,310,431$0$0$5,694,153
68$7,934,381$0$0$6,181,536
69$8,618,139$0$0$6,715,688
70$9,367,687$0$0$7,301,288
71$10,189,609$0$0$7,943,489
72$11,091,159$0$0$8,647,965
73$12,080,327$0$0$9,420,965
74$13,165,914$0$0$10,269,375
75$14,357,611$0$0$11,200,779
76$15,666,099$0$0$12,223,529
77$17,103,138$0$0$13,346,828
78$18,681,687$0$0$14,580,813
79$20,416,020$0$0$15,936,653
80$22,321,862$0$0$17,426,648
81$24,416,537$0$0$19,064,354
82$26,719,131$0$0$20,864,701
83$29,250,671$0$0$22,844,141
84$32,034,324$0$0$25,020,798
85$35,095,611$0$0$27,414,640
86$38,462,654$0$0$30,047,669
87$42,166,435$0$0$32,944,123
88$46,241,091$0$0$36,130,711
89$50,724,232$0$0$39,636,859
90$55,657,300$0$0$43,494,990
91$61,085,955$0$0$47,740,828
92$67,060,509$0$0$52,413,737
93$73,636,397$0$0$57,557,087
94$80,874,700$0$0$63,218,669
95$88,842,724$0$0$69,451,141
96$97,614,627$0$0$76,312,527
97$107,272,129$0$0$83,866,761
98$117,905,271$0$0$92,184,294
99$129,613,272$0$0$101,342,753
100$142,505,462$0$0$111,427,678