Can I retire at age 35 with 811,000?

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 $811,000?

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$66,972$66,375$65,793$65,225$64,670$63,107
2 years$33,154$32,537$31,938$31,358$30,795$29,230
3 years$21,883$21,263$20,666$20,091$19,538$18,019
4 years$16,249$15,631$15,040$14,475$13,935$12,474
5 years$12,869$12,255$11,671$11,118$10,593$9,195
6 years$10,617$10,007$9,432$8,891$8,382$7,047
7 years$9,008$8,404$7,838$7,310$6,817$5,546
8 years$7,803$7,204$6,647$6,132$5,655$4,448
9 years$6,866$6,272$5,725$5,223$4,762$3,618
10 years$6,116$5,528$4,992$4,502$4,058$2,974
11 years$5,504$4,922$4,395$3,918$3,490$2,466
12 years$4,993$4,417$3,900$3,437$3,024$2,058
13 years$4,562$3,992$3,484$3,034$2,637$1,727
14 years$4,193$3,629$3,131$2,694$2,312$1,456
15 years$3,873$3,315$2,827$2,402$2,035$1,232
16 years$3,593$3,041$2,563$2,151$1,799$1,045
17 years$3,347$2,801$2,332$1,933$1,595$889
18 years$3,128$2,588$2,129$1,742$1,418$758
19 years$2,932$2,399$1,949$1,574$1,264$647
20 years$2,756$2,229$1,789$1,425$1,129$554
21 years$2,597$2,076$1,645$1,294$1,010$474
22 years$2,453$1,938$1,516$1,176$906$406
23 years$2,322$1,813$1,400$1,071$813$349
24 years$2,201$1,698$1,295$977$731$299
25 years$2,091$1,594$1,199$892$658$257
26 years$1,989$1,498$1,112$816$592$221
27 years$1,895$1,410$1,033$747$534$190
28 years$1,808$1,328$960$684$482$164
29 years$1,726$1,253$893$627$435$141
30 years$1,651$1,183$832$576$393$121
31 years$1,580$1,119$776$529$355$105
32 years$1,514$1,059$724$486$322$90
33 years$1,452$1,003$676$447$291$78
34 years$1,394$950$632$411$263$67
35 years$1,340$901$590$379$239$58
36 years$1,288$855$552$349$216$50
37 years$1,239$812$517$321$196$43
38 years$1,193$772$484$296$178$37
39 years$1,150$734$454$273$161$32
40 years$1,109$698$425$252$146$27
41 years$1,070$665$399$232$133$24
42 years$1,033$633$374$214$120$20
43 years$997$603$351$198$109$18
44 years$964$575$329$183$99$15
45 years$932$548$309$169$90$13
46 years$901$523$290$156$82$11
47 years$872$499$273$144$74$10
48 years$844$477$256$133$67$8
49 years$817$455$241$123$61$7
50 years$792$435$227$114$56$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $811,000, adding $6,955 every year, while hoping to spend $46,167 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: 74/20/6 Blend
34$811,000$811,000$811,000$811,000
35$900,896$857,913$845,343$966,446
36$943,666$850,829$824,540$1,003,462
37$989,251$841,851$801,494$1,037,459
38$1,037,890$830,837$776,079$1,073,375
39$1,089,844$817,637$748,167$1,111,386
40$1,145,399$802,092$717,621$1,151,683
41$1,204,869$784,034$684,300$1,194,477
42$1,268,598$763,284$648,057$1,240,004
43$1,336,963$739,653$608,735$1,288,521
44$1,410,379$712,942$566,173$1,340,315
45$1,489,301$682,939$520,203$1,395,702
46$1,574,227$649,421$470,647$1,455,030
47$1,665,705$612,149$417,321$1,518,687
48$1,764,338$570,876$360,032$1,587,099
49$1,870,786$525,335$298,579$1,660,736
50$1,985,777$475,246$232,752$1,740,120
51$2,110,108$420,315$162,331$1,825,827
52$2,244,656$360,228$87,087$1,918,491
53$2,390,388$294,656$6,781$2,018,817
54$2,548,362$223,249$0$2,127,581
55$2,719,746$145,638$0$2,250,692
56$2,905,821$61,436$0$2,384,837
57$3,107,999$0$0$2,530,647
58$3,327,831$0$0$2,695,847
59$3,567,025$0$0$2,890,340
60$3,827,459$0$0$3,102,136
61$4,111,200$0$0$3,332,920
62$4,420,522$0$0$3,584,547
63$4,757,931$0$0$3,859,057
64$5,126,179$0$0$4,158,697
65$5,528,302$0$0$4,485,940
66$5,967,638$0$0$4,843,507
67$6,447,863$0$0$5,234,397
68$6,973,024$0$0$5,661,909
69$7,547,576$0$0$6,129,675
70$8,176,428$0$0$6,641,696
71$8,864,980$0$0$7,202,377
72$9,619,184$0$0$7,816,569
73$10,445,590$0$0$8,489,615
74$11,351,415$0$0$9,227,398
75$12,344,606$0$0$10,036,398
76$13,433,916$0$0$10,923,751
77$14,628,986$0$0$11,897,319
78$15,940,434$0$0$12,965,761
79$17,379,958$0$0$14,138,614
80$18,960,442$0$0$15,426,383
81$20,696,078$0$0$16,840,642
82$22,602,502$0$0$18,394,140
83$24,696,937$0$0$20,100,921
84$26,998,357$0$0$21,976,456
85$29,527,666$0$0$24,037,792
86$32,307,891$0$0$26,303,705
87$35,364,404$0$0$28,794,884
88$38,725,157$0$0$31,534,122
89$42,420,944$0$0$34,546,530
90$46,485,695$0$0$37,859,776
91$50,956,791$0$0$41,504,342
92$55,875,421$0$0$45,513,814
93$61,286,963$0$0$49,925,197
94$67,241,418$0$0$54,779,264
95$73,793,879$0$0$60,120,939
96$81,005,046$0$0$65,999,721
97$88,941,804$0$0$72,470,153
98$97,677,849$0$0$79,592,331
99$107,294,388$0$0$87,432,472
100$117,880,895$0$0$96,063,542