Can I retire at age 35 with 810,000?

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 $810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$66,889$66,293$65,712$65,145$64,591$63,521
2 years$33,113$32,497$31,899$31,319$30,757$29,682
3 years$21,856$21,237$20,641$20,067$19,514$18,467
4 years$16,229$15,611$15,021$14,457$13,917$12,908
5 years$12,853$12,240$11,657$11,104$10,580$9,610
6 years$10,604$9,994$9,421$8,880$8,371$7,442
7 years$8,997$8,393$7,829$7,301$6,808$5,920
8 years$7,793$7,195$6,639$6,125$5,648$4,800
9 years$6,857$6,264$5,718$5,217$4,756$3,949
10 years$6,109$5,522$4,985$4,497$4,053$3,285
11 years$5,497$4,916$4,389$3,914$3,486$2,756
12 years$4,987$4,412$3,895$3,433$3,020$2,329
13 years$4,556$3,987$3,480$3,031$2,634$1,980
14 years$4,187$3,624$3,127$2,690$2,309$1,690
15 years$3,868$3,311$2,823$2,399$2,033$1,449
16 years$3,589$3,038$2,560$2,148$1,797$1,246
17 years$3,342$2,797$2,329$1,930$1,593$1,074
18 years$3,124$2,585$2,126$1,739$1,416$929
19 years$2,929$2,396$1,946$1,572$1,263$804
20 years$2,753$2,226$1,786$1,424$1,128$698
21 years$2,594$2,074$1,643$1,292$1,009$606
22 years$2,450$1,936$1,514$1,175$905$527
23 years$2,319$1,810$1,398$1,070$812$459
24 years$2,199$1,696$1,293$976$730$400
25 years$2,088$1,592$1,198$891$657$349
26 years$1,987$1,496$1,111$815$592$305
27 years$1,892$1,408$1,031$746$533$266
28 years$1,805$1,327$959$683$481$233
29 years$1,724$1,252$892$627$435$204
30 years$1,649$1,182$831$575$393$178
31 years$1,578$1,117$775$528$355$156
32 years$1,512$1,057$723$485$321$136
33 years$1,451$1,001$675$446$291$119
34 years$1,393$949$631$411$263$105
35 years$1,338$900$590$378$238$92
36 years$1,286$854$552$348$216$80
37 years$1,238$811$516$321$196$70
38 years$1,192$771$484$296$177$62
39 years$1,149$733$453$273$161$54
40 years$1,107$698$425$251$146$47
41 years$1,068$664$398$232$132$41
42 years$1,031$632$373$214$120$36
43 years$996$603$350$198$109$32
44 years$962$574$329$183$99$28
45 years$930$548$309$169$90$25
46 years$900$523$290$156$82$22
47 years$871$499$273$144$74$19
48 years$843$476$256$133$67$17
49 years$816$455$241$123$61$15
50 years$791$434$226$114$55$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $810,000, adding $4,730 every year, while hoping to spend $42,563 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: 75/15/10 Blend
34$810,000$810,000$810,000$810,000
35$897,499$854,569$842,014$962,846
36$943,757$851,156$824,935$1,003,151
37$993,307$846,150$805,857$1,041,469
38$1,046,440$839,426$784,668$1,082,263
39$1,103,474$830,856$761,252$1,125,766
40$1,164,760$820,299$735,486$1,172,232
41$1,230,683$807,611$707,242$1,221,942
42$1,301,664$792,635$676,385$1,275,207
43$1,378,166$775,207$642,777$1,332,371
44$1,460,699$755,152$606,271$1,393,810
45$1,549,823$732,287$566,713$1,459,944
46$1,646,151$706,415$523,944$1,531,233
47$1,750,360$677,331$477,797$1,608,185
48$1,863,191$644,815$428,098$1,691,362
49$1,985,461$608,635$374,664$1,781,384
50$2,118,068$568,548$317,305$1,878,934
51$2,261,999$524,295$255,822$1,984,767
52$2,418,339$475,601$190,009$2,099,716
53$2,588,282$422,179$119,647$2,224,701
54$2,773,143$363,722$44,511$2,360,736
55$2,974,367$299,908$0$2,508,941
56$3,193,544$230,395$0$2,674,357
57$3,432,425$154,823$0$2,859,858
58$3,692,935$72,812$0$3,062,221
59$3,977,195$0$0$3,283,135
60$4,287,538$0$0$3,527,111
61$4,626,534$0$0$3,806,769
62$4,997,009$0$0$4,112,430
63$5,402,078$0$0$4,446,665
64$5,845,168$0$0$4,812,307
65$6,330,054$0$0$5,212,475
66$6,860,891$0$0$5,650,604
67$7,442,257$0$0$6,130,475
68$8,079,191$0$0$6,656,254
69$8,777,244$0$0$7,232,527
70$9,542,529$0$0$7,864,346
71$10,381,778$0$0$8,557,275
72$11,302,406$0$0$9,317,441
73$12,312,582$0$0$10,151,595
74$13,421,301$0$0$11,067,172
75$14,638,474$0$0$12,072,361
76$15,975,017$0$0$13,176,185
77$17,442,955$0$0$14,388,580
78$19,055,535$0$0$15,720,494
79$20,827,350$0$0$17,183,989
80$22,774,478$0$0$18,792,351
81$24,914,628$0$0$20,560,216
82$27,267,314$0$0$22,503,712
83$29,854,033$0$0$24,640,605
84$32,698,469$0$0$26,990,468
85$35,826,717$0$0$29,574,867
86$39,267,525$0$0$32,417,564
87$43,052,570$0$0$35,544,737
88$47,216,751$0$0$38,985,229
89$51,798,524$0$0$42,770,822
90$56,840,255$0$0$46,936,532
91$62,388,628$0$0$51,520,942
92$68,495,082$0$0$56,566,564
93$75,216,293$0$0$62,120,239
94$82,614,711$0$0$68,233,581
95$90,759,148$0$0$74,963,463
96$99,725,425$0$0$82,372,549
97$109,597,092$0$0$90,529,890
98$120,466,208$0$0$99,511,573
99$132,434,217$0$0$109,401,439
100$145,612,896$0$0$120,291,871