Can I retire at age 35 with 802,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%11.8%
1 years$66,228$65,638$65,063$64,501$63,953$63,470
2 years$32,786$32,176$31,584$31,010$30,454$29,967
3 years$21,640$21,027$20,437$19,869$19,321$18,845
4 years$16,069$15,457$14,873$14,314$13,780$13,319
5 years$12,726$12,119$11,542$10,995$10,475$10,031
6 years$10,499$9,896$9,328$8,792$8,289$7,861
7 years$8,909$8,310$7,751$7,229$6,741$6,330
8 years$7,716$7,124$6,574$6,064$5,592$5,198
9 years$6,789$6,202$5,662$5,165$4,710$4,332
10 years$6,048$5,467$4,936$4,452$4,013$3,652
11 years$5,443$4,867$4,346$3,875$3,451$3,107
12 years$4,938$4,368$3,857$3,399$2,991$2,662
13 years$4,511$3,948$3,446$3,001$2,608$2,295
14 years$4,146$3,588$3,096$2,664$2,286$1,989
15 years$3,830$3,278$2,795$2,376$2,013$1,730
16 years$3,553$3,008$2,534$2,127$1,779$1,511
17 years$3,309$2,770$2,306$1,911$1,577$1,323
18 years$3,093$2,559$2,105$1,722$1,402$1,162
19 years$2,900$2,372$1,927$1,556$1,250$1,022
20 years$2,726$2,204$1,769$1,409$1,117$902
21 years$2,569$2,053$1,627$1,279$999$796
22 years$2,426$1,917$1,499$1,163$896$704
23 years$2,296$1,793$1,384$1,059$804$624
24 years$2,177$1,679$1,280$966$723$553
25 years$2,068$1,576$1,186$882$650$491
26 years$1,967$1,481$1,100$807$586$436
27 years$1,874$1,394$1,021$738$528$388
28 years$1,787$1,314$949$677$477$345
29 years$1,707$1,239$884$620$430$307
30 years$1,633$1,170$823$569$389$273
31 years$1,563$1,106$767$523$351$244
32 years$1,497$1,047$716$481$318$217
33 years$1,436$991$668$442$288$194
34 years$1,379$940$625$407$261$173
35 years$1,325$891$584$374$236$154
36 years$1,274$846$546$345$214$138
37 years$1,226$803$511$318$194$123
38 years$1,180$764$479$293$176$110
39 years$1,137$726$449$270$159$98
40 years$1,096$691$420$249$144$87
41 years$1,058$658$394$230$131$78
42 years$1,021$626$370$212$119$70
43 years$986$597$347$196$108$62
44 years$953$569$326$181$98$56
45 years$921$542$306$167$89$50
46 years$891$517$287$154$81$45
47 years$862$494$270$142$73$40
48 years$835$471$254$132$67$36
49 years$808$450$238$122$60$32
50 years$783$430$224$112$55$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $802,000, adding $4,853 every year, while hoping to spend $28,736 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: 56/34/10 Blend
34$802,000$802,000$802,000$802,000
35$888,810$846,304$833,873$936,140
36$948,894$857,198$831,233$979,576
37$1,014,143$867,663$827,541$1,023,267
38$1,085,054$877,647$822,732$1,070,168
39$1,162,173$887,095$816,738$1,120,590
40$1,246,102$895,950$809,485$1,174,874
41$1,337,501$904,148$800,899$1,233,398
42$1,437,097$911,623$790,901$1,296,581
43$1,545,693$918,304$779,408$1,364,882
44$1,664,169$924,116$766,333$1,438,810
45$1,793,495$928,978$751,586$1,518,925
46$1,934,739$932,806$735,072$1,605,846
47$2,089,077$935,508$716,691$1,700,256
48$2,257,802$936,987$696,340$1,802,909
49$2,442,340$937,142$673,910$1,914,636
50$2,644,260$935,863$649,287$2,036,354
51$2,865,288$933,034$622,352$2,169,078
52$3,107,328$928,533$592,981$2,313,923
53$3,372,474$922,230$561,044$2,472,123
54$3,663,033$913,986$526,406$2,645,039
55$3,981,546$903,655$488,925$2,834,171
56$4,330,812$891,081$448,451$3,041,176
57$4,713,911$876,101$404,831$3,267,881
58$5,134,239$858,539$357,902$3,516,303
59$5,595,536$838,212$307,496$3,788,666
60$6,101,919$814,923$253,435$4,087,423
61$6,657,926$788,465$195,537$4,415,282
62$7,268,554$758,620$133,607$4,775,229
63$7,939,309$725,155$67,445$5,170,559
64$8,676,256$687,825$0$5,604,904
65$9,486,077$646,371$0$6,082,612
66$10,376,132$600,518$0$6,615,466
67$11,354,530$549,976$0$7,201,165
68$12,430,206$494,439$0$7,845,113
69$13,613,003$433,582$0$8,553,267
70$14,913,765$367,063$0$9,332,198
71$16,344,440$294,520$0$10,189,151
72$17,918,192$215,571$0$11,132,112
73$19,649,525$129,812$0$12,169,888
74$21,554,420$36,816$0$13,312,190
75$23,650,485$0$0$14,569,722
76$25,957,120$0$0$15,978,182
77$28,495,702$0$0$17,543,517
78$31,289,784$0$0$19,266,486
79$34,365,320$0$0$21,163,104
80$37,750,905$0$0$23,251,017
81$41,478,051$0$0$25,549,669
82$45,581,477$0$0$28,080,487
83$50,099,441$0$0$30,867,077
84$55,074,100$0$0$33,935,454
85$60,551,906$0$0$37,314,284
86$66,584,047$0$0$41,035,153
87$73,226,925$0$0$45,132,867
88$80,542,692$0$0$49,645,781
89$88,599,837$0$0$54,616,156
90$97,473,827$0$0$60,090,564
91$107,247,823$0$0$66,120,324
92$118,013,464$0$0$72,761,987
93$129,871,731$0$0$80,077,866
94$142,933,899$0$0$88,136,631
95$157,322,589$0$0$97,013,951
96$173,172,922$0$0$106,793,211
97$190,633,798$0$0$117,566,295
98$209,869,295$0$0$129,434,460
99$231,060,226$0$0$142,509,285
100$254,405,835$0$0$156,913,725