Can I retire at age 35 with 809,000?

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 $809,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$66,806$66,211$65,631$65,064$64,511$63,521
2 years$33,073$32,457$31,860$31,281$30,719$29,724
3 years$21,829$21,211$20,615$20,042$19,490$18,520
4 years$16,209$15,592$15,003$14,439$13,900$12,964
5 years$12,837$12,224$11,643$11,091$10,567$9,667
6 years$10,591$9,982$9,409$8,869$8,361$7,498
7 years$8,986$8,383$7,819$7,292$6,800$5,975
8 years$7,784$7,186$6,631$6,117$5,641$4,853
9 years$6,849$6,257$5,711$5,210$4,751$4,000
10 years$6,101$5,515$4,979$4,491$4,048$3,333
11 years$5,490$4,910$4,384$3,909$3,481$2,802
12 years$4,981$4,407$3,890$3,429$3,017$2,373
13 years$4,551$3,982$3,476$3,027$2,631$2,020
14 years$4,182$3,620$3,123$2,687$2,306$1,729
15 years$3,863$3,307$2,820$2,396$2,030$1,485
16 years$3,584$3,034$2,556$2,146$1,794$1,280
17 years$3,338$2,794$2,326$1,928$1,591$1,106
18 years$3,120$2,582$2,124$1,737$1,415$958
19 years$2,925$2,393$1,944$1,570$1,261$831
20 years$2,750$2,223$1,784$1,422$1,126$723
21 years$2,591$2,071$1,641$1,290$1,008$630
22 years$2,447$1,933$1,512$1,173$903$549
23 years$2,316$1,808$1,397$1,068$811$479
24 years$2,196$1,694$1,292$975$729$419
25 years$2,086$1,590$1,196$890$656$366
26 years$1,984$1,494$1,109$814$591$320
27 years$1,890$1,406$1,030$745$533$280
28 years$1,803$1,325$958$682$481$246
29 years$1,722$1,250$891$626$434$215
30 years$1,647$1,181$830$574$392$189
31 years$1,576$1,116$774$527$355$166
32 years$1,511$1,056$722$485$321$145
33 years$1,449$1,000$674$446$290$128
34 years$1,391$948$630$410$263$112
35 years$1,336$899$589$378$238$98
36 years$1,285$853$551$348$216$86
37 years$1,236$810$516$320$195$76
38 years$1,191$770$483$295$177$67
39 years$1,147$732$452$272$161$59
40 years$1,106$697$424$251$146$51
41 years$1,067$663$398$232$132$45
42 years$1,030$632$373$214$120$40
43 years$995$602$350$197$109$35
44 years$961$574$329$182$99$31
45 years$929$547$308$168$90$27
46 years$899$522$290$155$81$24
47 years$870$498$272$144$74$21
48 years$842$475$256$133$67$18
49 years$815$454$240$123$61$16
50 years$790$434$226$113$55$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $809,000, adding $4,751 every year, while hoping to spend $36,806 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: 45/28/27 Blend
34$809,000$809,000$809,000$809,000
35$896,419$853,542$841,002$929,577
36$948,692$856,204$830,014$956,241
37$1,005,064$857,763$817,425$981,225
38$1,065,913$858,126$803,141$1,007,609
39$1,131,656$857,194$787,067$1,035,542
40$1,202,751$854,863$769,100$1,065,193
41$1,279,702$851,021$749,135$1,096,748
42$1,363,061$845,551$727,060$1,130,418
43$1,453,436$838,326$702,760$1,166,435
44$1,551,498$829,215$676,113$1,205,057
45$1,657,980$818,076$646,992$1,246,572
46$1,773,693$804,761$615,266$1,291,302
47$1,899,527$789,111$580,794$1,339,603
48$2,036,460$770,959$543,432$1,391,870
49$2,185,571$750,128$503,029$1,448,544
50$2,348,045$726,430$459,427$1,510,114
51$2,525,187$699,667$412,459$1,577,123
52$2,718,434$669,628$361,953$1,650,172
53$2,929,365$636,090$307,730$1,729,931
54$3,159,721$598,820$249,600$1,817,140
55$3,411,418$557,567$187,367$1,912,622
56$3,686,564$512,070$120,825$2,017,288
57$3,987,481$462,049$49,760$2,132,148
58$4,316,726$407,211$0$2,258,321
59$4,677,113$347,245$0$2,404,560
60$5,071,742$281,824$0$2,580,511
61$5,504,027$210,600$0$2,773,415
62$5,977,726$133,208$0$2,985,028
63$6,496,980$49,261$0$3,217,287
64$7,066,347$0$0$3,472,335
65$7,690,850$0$0$3,765,366
66$8,376,021$0$0$4,103,613
67$9,127,950$0$0$4,474,918
68$9,953,351$0$0$4,882,608
69$10,859,614$0$0$5,330,346
70$11,854,883$0$0$5,822,170
71$12,948,128$0$0$6,362,525
72$14,149,232$0$0$6,956,311
73$15,469,081$0$0$7,608,925
74$16,919,669$0$0$8,326,313
75$18,514,207$0$0$9,115,024
76$20,267,254$0$0$9,982,275
77$22,194,846$0$0$10,936,018
78$24,314,654$0$0$11,985,013
79$26,646,143$0$0$13,138,911
80$29,210,763$0$0$14,408,346
81$32,032,147$0$0$15,805,036
82$35,136,330$0$0$17,341,890
83$38,552,003$0$0$19,033,132
84$42,310,775$0$0$20,894,436
85$46,447,475$0$0$22,943,070
86$51,000,481$0$0$25,198,063
87$56,012,077$0$0$27,680,382
88$61,528,856$0$0$30,413,128
89$67,602,159$0$0$33,421,760
90$74,288,556$0$0$36,734,326
91$81,650,380$0$0$40,381,736
92$89,756,319$0$0$44,398,047
93$98,682,059$0$0$48,820,790
94$108,510,997$0$0$53,691,318
95$119,335,034$0$0$59,055,200
96$131,255,433$0$0$64,962,650
97$144,383,782$0$0$71,469,000
98$158,843,042$0$0$78,635,223
99$174,768,708$0$0$86,528,508
100$192,310,088$0$0$95,222,890