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%12%
1 years$66,228$65,638$65,063$64,501$63,953$63,417
2 years$32,786$32,176$31,584$31,010$30,454$29,914
3 years$21,640$21,027$20,437$19,869$19,321$18,793
4 years$16,069$15,457$14,873$14,314$13,780$13,269
5 years$12,726$12,119$11,542$10,995$10,475$9,982
6 years$10,499$9,896$9,328$8,792$8,289$7,815
7 years$8,909$8,310$7,751$7,229$6,741$6,286
8 years$7,716$7,124$6,574$6,064$5,592$5,156
9 years$6,789$6,202$5,662$5,165$4,710$4,292
10 years$6,048$5,467$4,936$4,452$4,013$3,614
11 years$5,443$4,867$4,346$3,875$3,451$3,070
12 years$4,938$4,368$3,857$3,399$2,991$2,628
13 years$4,511$3,948$3,446$3,001$2,608$2,263
14 years$4,146$3,588$3,096$2,664$2,286$1,958
15 years$3,830$3,278$2,795$2,376$2,013$1,701
16 years$3,553$3,008$2,534$2,127$1,779$1,483
17 years$3,309$2,770$2,306$1,911$1,577$1,297
18 years$3,093$2,559$2,105$1,722$1,402$1,138
19 years$2,900$2,372$1,927$1,556$1,250$1,000
20 years$2,726$2,204$1,769$1,409$1,117$880
21 years$2,569$2,053$1,627$1,279$999$776
22 years$2,426$1,917$1,499$1,163$896$686
23 years$2,296$1,793$1,384$1,059$804$606
24 years$2,177$1,679$1,280$966$723$537
25 years$2,068$1,576$1,186$882$650$476
26 years$1,967$1,481$1,100$807$586$422
27 years$1,874$1,394$1,021$738$528$374
28 years$1,787$1,314$949$677$477$333
29 years$1,707$1,239$884$620$430$296
30 years$1,633$1,170$823$569$389$263
31 years$1,563$1,106$767$523$351$234
32 years$1,497$1,047$716$481$318$208
33 years$1,436$991$668$442$288$185
34 years$1,379$940$625$407$261$165
35 years$1,325$891$584$374$236$147
36 years$1,274$846$546$345$214$131
37 years$1,226$803$511$318$194$117
38 years$1,180$764$479$293$176$104
39 years$1,137$726$449$270$159$93
40 years$1,096$691$420$249$144$83
41 years$1,058$658$394$230$131$74
42 years$1,021$626$370$212$119$66
43 years$986$597$347$196$108$59
44 years$953$569$326$181$98$52
45 years$921$542$306$167$89$47
46 years$891$517$287$154$81$42
47 years$862$494$270$142$73$37
48 years$835$471$254$132$67$33
49 years$808$450$238$122$60$30
50 years$783$430$224$112$55$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $802,000, adding $4,646 every year, while hoping to spend $49,901 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: 77/18/5 Blend
34$802,000$802,000$802,000$802,000
35$888,596$846,090$833,659$956,421
36$926,139$834,454$808,493$989,934
37$965,838$820,576$780,810$1,019,718
38$1,007,862$804,292$750,476$1,050,888
39$1,052,392$785,431$717,345$1,083,559
40$1,099,630$763,810$681,269$1,117,859
41$1,149,791$739,237$642,092$1,153,927
42$1,203,117$711,506$599,648$1,191,920
43$1,259,867$680,402$553,769$1,232,010
44$1,320,327$645,696$504,274$1,274,388
45$1,384,812$607,146$450,978$1,319,263
46$1,453,662$564,496$393,685$1,366,868
47$1,527,255$517,475$332,193$1,417,462
48$1,606,002$465,798$266,288$1,471,328
49$1,690,354$409,162$195,749$1,528,781
50$1,780,807$347,248$120,344$1,590,170
51$1,877,905$279,719$39,831$1,655,880
52$1,982,243$206,217$0$1,726,336
53$2,094,477$126,367$0$1,804,469
54$2,215,325$39,771$0$1,890,768
55$2,345,577$0$0$1,983,697
56$2,486,100$0$0$2,094,602
57$2,637,846$0$0$2,222,894
58$2,801,863$0$0$2,361,583
59$2,979,300$0$0$2,511,644
60$3,171,422$0$0$2,674,151
61$3,379,621$0$0$2,850,282
62$3,605,424$0$0$3,041,335
63$3,850,514$0$0$3,248,736
64$4,116,738$0$0$3,474,053
65$4,406,132$0$0$3,719,012
66$4,720,933$0$0$3,985,510
67$5,063,603$0$0$4,275,637
68$5,436,850$0$0$4,591,690
69$5,843,657$0$0$4,936,199
70$6,287,305$0$0$5,311,946
71$6,771,403$0$0$5,721,996
72$7,299,928$0$0$6,169,720
73$7,877,254$0$0$6,658,831
74$8,508,198$0$0$7,193,414
75$9,198,064$0$0$7,777,970
76$9,952,690$0$0$8,417,451
77$10,778,505$0$0$9,117,312
78$11,682,589$0$0$9,883,560
79$12,672,736$0$0$10,722,808
80$13,757,532$0$0$11,642,339
81$14,946,430$0$0$12,650,176
82$16,249,844$0$0$13,755,152
83$17,679,241$0$0$14,966,997
84$19,247,251$0$0$16,296,428
85$20,967,787$0$0$17,755,249
86$22,856,173$0$0$19,356,463
87$24,929,290$0$0$21,114,391
88$27,205,730$0$0$23,044,810
89$29,705,978$0$0$25,165,099
90$32,452,597$0$0$27,494,404
91$35,470,444$0$0$30,053,816
92$38,786,903$0$0$32,866,569
93$42,432,143$0$0$35,958,263
94$46,439,400$0$0$39,357,097
95$50,845,292$0$0$43,094,142
96$55,690,160$0$0$47,203,627
97$61,018,453$0$0$51,723,268
98$66,879,140$0$0$56,694,616
99$73,326,176$0$0$62,163,451
100$80,419,009$0$0$68,180,216