Can I retire at age 35 with 808,000?

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 $808,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$66,724$66,130$65,550$64,984$64,431$62,873
2 years$33,032$32,416$31,820$31,242$30,681$29,122
3 years$21,802$21,185$20,590$20,017$19,466$17,952
4 years$16,189$15,573$14,984$14,421$13,883$12,428
5 years$12,822$12,209$11,628$11,077$10,554$9,160
6 years$10,577$9,970$9,397$8,858$8,351$7,021
7 years$8,975$8,373$7,809$7,283$6,791$5,526
8 years$7,774$7,177$6,623$6,109$5,634$4,431
9 years$6,840$6,249$5,704$5,204$4,745$3,604
10 years$6,094$5,508$4,973$4,486$4,043$2,963
11 years$5,483$4,903$4,378$3,904$3,477$2,457
12 years$4,975$4,401$3,886$3,424$3,013$2,051
13 years$4,545$3,977$3,472$3,023$2,627$1,721
14 years$4,177$3,615$3,119$2,684$2,303$1,451
15 years$3,858$3,303$2,816$2,393$2,028$1,227
16 years$3,580$3,030$2,553$2,143$1,792$1,041
17 years$3,334$2,791$2,323$1,925$1,589$886
18 years$3,116$2,579$2,121$1,735$1,413$755
19 years$2,921$2,390$1,942$1,568$1,259$645
20 years$2,746$2,221$1,782$1,420$1,125$551
21 years$2,588$2,069$1,639$1,289$1,007$472
22 years$2,444$1,931$1,511$1,172$902$405
23 years$2,313$1,806$1,395$1,067$810$347
24 years$2,193$1,692$1,290$973$728$298
25 years$2,083$1,588$1,195$889$655$256
26 years$1,982$1,492$1,108$813$590$220
27 years$1,888$1,404$1,029$744$532$190
28 years$1,801$1,323$957$682$480$163
29 years$1,720$1,249$890$625$433$140
30 years$1,645$1,179$829$574$392$121
31 years$1,574$1,115$773$527$354$104
32 years$1,509$1,055$721$484$320$90
33 years$1,447$999$673$445$290$77
34 years$1,389$947$629$410$262$67
35 years$1,335$898$588$377$238$57
36 years$1,283$852$550$347$215$50
37 years$1,235$809$515$320$195$43
38 years$1,189$769$482$295$177$37
39 years$1,146$731$452$272$160$32
40 years$1,105$696$424$251$146$27
41 years$1,066$662$397$231$132$24
42 years$1,029$631$373$214$120$20
43 years$994$601$350$197$109$18
44 years$960$573$328$182$99$15
45 years$928$546$308$168$90$13
46 years$898$521$289$155$81$11
47 years$869$497$272$143$74$10
48 years$841$475$255$133$67$8
49 years$814$453$240$123$61$7
50 years$789$433$226$113$55$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $808,000, adding $6,366 every year, while hoping to spend $53,438 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: 76/16/8 Blend
34$808,000$808,000$808,000$808,000
35$896,983$854,159$841,635$963,611
36$931,617$839,155$812,972$993,314
37$967,993$821,625$781,558$1,018,398
38$1,006,233$801,388$747,244$1,044,353
39$1,046,467$778,254$709,875$1,071,245
40$1,088,839$752,022$669,288$1,099,147
41$1,133,506$722,476$625,314$1,128,140
42$1,180,637$689,391$577,776$1,158,314
43$1,230,418$652,527$526,488$1,189,770
44$1,283,052$611,632$471,256$1,222,617
45$1,338,759$566,438$411,879$1,256,980
46$1,397,780$516,661$348,145$1,292,996
47$1,460,380$462,003$279,834$1,330,817
48$1,526,845$402,148$206,715$1,370,614
49$1,597,491$336,761$128,547$1,412,573
50$1,672,663$265,490$45,081$1,456,903
51$1,752,737$187,962$0$1,503,837
52$1,838,127$103,783$0$1,557,388
53$1,929,285$12,537$0$1,618,436
54$2,026,707$0$0$1,683,470
55$2,130,936$0$0$1,768,048
56$2,242,567$0$0$1,861,017
57$2,362,255$0$0$1,960,717
58$2,490,716$0$0$2,067,747
59$2,628,736$0$0$2,182,766
60$2,777,179$0$0$2,306,496
61$2,936,993$0$0$2,439,731
62$3,109,219$0$0$2,583,342
63$3,295,001$0$0$2,738,286
64$3,495,595$0$0$2,905,615
65$3,712,382$0$0$3,086,485
66$3,946,878$0$0$3,282,165
67$4,200,751$0$0$3,494,051
68$4,475,835$0$0$3,723,678
69$4,774,146$0$0$3,972,734
70$5,097,900$0$0$4,243,075
71$5,449,537$0$0$4,536,742
72$5,831,737$0$0$4,855,981
73$6,247,451$0$0$5,203,262
74$6,699,927$0$0$5,581,302
75$7,192,734$0$0$5,993,092
76$7,729,805$0$0$6,441,924
77$8,315,464$0$0$6,931,419
78$8,954,472$0$0$7,465,564
79$9,652,071$0$0$8,048,746
80$10,414,029$0$0$8,685,797
81$11,246,696$0$0$9,382,033
82$12,157,063$0$0$10,143,309
83$13,152,829$0$0$10,976,071
84$14,242,469$0$0$11,887,416
85$15,435,316$0$0$12,885,160
86$16,741,647$0$0$13,977,908
87$18,172,779$0$0$15,175,138
88$19,741,177$0$0$16,487,287
89$21,460,567$0$0$17,925,851
90$23,346,067$0$0$19,503,489
91$25,414,328$0$0$21,234,145
92$27,683,691$0$0$23,133,180
93$30,174,358$0$0$25,217,511
94$32,908,581$0$0$27,505,773
95$35,910,873$0$0$30,018,494
96$39,208,236$0$0$32,778,288
97$42,830,415$0$0$35,810,064
98$46,810,178$0$0$39,141,266
99$51,183,626$0$0$42,802,125
100$55,990,529$0$0$46,825,949