Can I retire at age 35 with 804,000?

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 $804,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$66,394$65,802$65,225$64,662$64,112$63,363
2 years$32,868$32,256$31,663$31,088$30,530$29,776
3 years$21,694$21,080$20,488$19,918$19,369$18,634
4 years$16,109$15,496$14,910$14,350$13,814$13,103
5 years$12,758$12,149$11,571$11,022$10,501$9,817
6 years$10,525$9,920$9,351$8,814$8,309$7,652
7 years$8,931$8,331$7,771$7,247$6,758$6,128
8 years$7,736$7,141$6,590$6,079$5,606$5,003
9 years$6,806$6,218$5,676$5,178$4,721$4,145
10 years$6,063$5,481$4,949$4,464$4,023$3,474
11 years$5,456$4,879$4,357$3,885$3,460$2,937
12 years$4,950$4,379$3,866$3,407$2,998$2,501
13 years$4,523$3,958$3,454$3,008$2,614$2,142
14 years$4,156$3,597$3,104$2,670$2,292$1,844
15 years$3,839$3,286$2,802$2,381$2,018$1,593
16 years$3,562$3,015$2,541$2,132$1,783$1,382
17 years$3,318$2,777$2,312$1,916$1,581$1,202
18 years$3,101$2,566$2,110$1,727$1,406$1,048
19 years$2,907$2,378$1,932$1,560$1,253$915
20 years$2,733$2,210$1,773$1,413$1,119$801
21 years$2,575$2,058$1,631$1,282$1,002$702
22 years$2,432$1,921$1,503$1,166$898$617
23 years$2,302$1,797$1,388$1,062$806$542
24 years$2,182$1,684$1,284$969$724$477
25 years$2,073$1,580$1,189$884$652$420
26 years$1,972$1,485$1,103$809$587$370
27 years$1,878$1,398$1,024$740$529$326
28 years$1,792$1,317$952$678$478$288
29 years$1,712$1,242$886$622$431$254
30 years$1,637$1,173$825$571$390$225
31 years$1,567$1,109$769$524$352$199
32 years$1,501$1,049$718$482$319$176
33 years$1,440$994$670$443$288$155
34 years$1,382$942$626$408$261$137
35 years$1,328$893$585$375$237$122
36 years$1,277$848$548$346$214$108
37 years$1,229$805$513$318$194$95
38 years$1,183$765$480$293$176$84
39 years$1,140$728$450$271$160$75
40 years$1,099$692$421$250$145$66
41 years$1,060$659$395$230$131$59
42 years$1,024$628$371$213$119$52
43 years$989$598$348$196$108$46
44 years$955$570$327$181$98$41
45 years$924$544$307$167$89$36
46 years$893$519$288$155$81$32
47 years$864$495$271$143$74$28
48 years$837$473$254$132$67$25
49 years$810$451$239$122$61$22
50 years$785$431$225$113$55$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $804,000, adding $2,517 every year, while hoping to spend $23,849 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: 55/30/15 Blend
34$804,000$804,000$804,000$804,000
35$888,604$845,992$833,530$933,838
36$953,867$862,071$836,078$980,969
37$1,024,987$878,138$837,913$1,029,476
38$1,102,536$894,168$838,984$1,081,752
39$1,187,146$910,132$839,240$1,138,163
40$1,279,508$926,002$838,628$1,199,109
41$1,380,386$941,745$837,091$1,265,036
42$1,490,620$957,325$834,568$1,336,432
43$1,611,136$972,706$830,998$1,413,836
44$1,742,951$987,848$826,316$1,497,844
45$1,887,187$1,002,707$820,452$1,589,110
46$2,045,078$1,017,238$813,335$1,688,357
47$2,217,984$1,031,391$804,890$1,796,383
48$2,407,402$1,045,113$795,038$1,914,065
49$2,614,981$1,058,347$783,695$2,042,374
50$2,842,537$1,071,034$770,777$2,182,376
51$3,092,069$1,083,108$756,192$2,335,250
52$3,365,781$1,094,502$739,846$2,502,295
53$3,666,099$1,105,141$721,639$2,684,942
54$3,995,695$1,114,947$701,467$2,884,772
55$4,357,513$1,123,836$679,224$3,103,525
56$4,754,796$1,131,720$654,794$3,343,121
57$5,191,115$1,138,504$628,059$3,605,677
58$5,670,406$1,144,088$598,896$3,893,528
59$6,197,002$1,148,363$567,174$4,209,246
60$6,775,681$1,151,217$532,759$4,555,669
61$7,411,702$1,152,529$495,508$4,935,927
62$8,110,861$1,152,168$455,273$5,353,469
63$8,879,545$1,150,000$411,901$5,812,097
64$9,724,787$1,145,879$365,228$6,316,006
65$10,654,340$1,139,652$315,088$6,869,820
66$11,676,742$1,131,154$261,302$7,478,634
67$12,801,402$1,120,213$203,689$8,148,070
68$14,038,687$1,106,645$142,054$8,884,322
69$15,400,019$1,090,257$76,199$9,694,222
70$16,897,982$1,070,840$5,912$10,585,300
71$18,546,443$1,048,178$0$11,565,857
72$20,360,680$1,022,039$0$12,656,106
73$22,357,528$992,178$0$13,856,805
74$24,555,537$958,336$0$15,178,168
75$26,975,145$920,237$0$16,632,497
76$29,638,874$877,593$0$18,233,351
77$32,571,539$830,095$0$19,995,673
78$35,800,485$777,419$0$21,935,935
79$39,355,844$719,222$0$24,072,290
80$43,270,816$655,140$0$26,424,748
81$47,581,986$584,789$0$29,015,361
82$52,329,669$507,763$0$31,868,435
83$57,558,286$423,635$0$35,010,761
84$63,316,788$331,950$0$38,471,865
85$69,659,116$232,231$0$42,284,287
86$76,644,707$123,972$0$46,483,896
87$84,339,061$6,639$0$51,110,220
88$92,814,351$0$0$56,206,828
89$102,150,110$0$0$61,861,461
90$112,433,981$0$0$68,092,886
91$123,762,541$0$0$74,957,446
92$136,242,213$0$0$82,519,642
93$149,990,272$0$0$90,850,552
94$165,135,951$0$0$100,028,504
95$181,821,659$0$0$110,139,809
96$200,204,328$0$0$121,279,582
97$220,456,890$0$0$133,552,635
98$242,769,912$0$0$147,074,470
99$267,353,394$0$0$161,972,365
100$294,438,752$0$0$178,386,579