Can I retire at age 35 with 812,000?

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 $812,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$67,054$66,457$65,874$65,305$64,750$62,353
2 years$33,195$32,577$31,978$31,397$30,833$28,446
3 years$21,910$21,289$20,692$20,116$19,562$17,259
4 years$16,269$15,650$15,058$14,493$13,952$11,750
5 years$12,885$12,270$11,686$11,132$10,606$8,512
6 years$10,630$10,019$9,444$8,902$8,392$6,407
7 years$9,020$8,414$7,848$7,319$6,825$4,949
8 years$7,812$7,212$6,656$6,140$5,662$3,892
9 years$6,874$6,280$5,733$5,230$4,768$3,103
10 years$6,124$5,535$4,998$4,508$4,063$2,499
11 years$5,510$4,928$4,400$3,923$3,494$2,028
12 years$5,000$4,423$3,905$3,441$3,028$1,656
13 years$4,568$3,997$3,489$3,038$2,640$1,359
14 years$4,198$3,633$3,135$2,697$2,315$1,120
15 years$3,877$3,319$2,830$2,405$2,038$925
16 years$3,597$3,045$2,566$2,154$1,801$767
17 years$3,351$2,804$2,335$1,935$1,597$637
18 years$3,132$2,591$2,131$1,744$1,420$530
19 years$2,936$2,402$1,951$1,576$1,266$441
20 years$2,760$2,232$1,791$1,427$1,131$368
21 years$2,601$2,079$1,647$1,295$1,012$307
22 years$2,456$1,940$1,518$1,178$907$257
23 years$2,325$1,815$1,402$1,072$814$215
24 years$2,204$1,700$1,296$978$732$179
25 years$2,093$1,596$1,201$893$658$150
26 years$1,991$1,500$1,114$817$593$126
27 years$1,897$1,411$1,034$748$535$105
28 years$1,810$1,330$961$685$482$88
29 years$1,729$1,255$895$628$436$74
30 years$1,653$1,185$833$576$394$62
31 years$1,582$1,120$777$529$356$52
32 years$1,516$1,060$725$487$322$44
33 years$1,454$1,004$677$447$291$37
34 years$1,396$951$632$412$264$31
35 years$1,341$902$591$379$239$26
36 years$1,290$856$553$349$216$22
37 years$1,241$813$518$322$196$18
38 years$1,195$773$485$296$178$15
39 years$1,151$735$454$273$161$13
40 years$1,110$699$426$252$146$11
41 years$1,071$666$399$233$133$9
42 years$1,034$634$374$215$120$7
43 years$998$604$351$198$109$6
44 years$965$576$330$183$99$5
45 years$933$549$310$169$90$4
46 years$902$524$291$156$82$4
47 years$873$500$273$144$74$3
48 years$845$477$257$133$67$3
49 years$818$456$241$123$61$2
50 years$793$435$227$114$56$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $812,000, adding $2,514 every year, while hoping to spend $40,500 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: 75/12/13 Blend
34$812,000$812,000$812,000$812,000
35$897,417$854,381$841,795$962,139
36$945,862$853,154$826,904$1,003,986
37$997,891$850,510$810,156$1,044,523
38$1,053,827$846,335$791,447$1,087,836
39$1,114,023$840,512$770,667$1,134,189
40$1,178,871$832,914$747,701$1,183,872
41$1,248,795$823,407$722,429$1,237,206
42$1,324,268$811,849$694,725$1,294,545
43$1,405,803$798,090$664,459$1,356,277
44$1,493,968$781,970$631,492$1,422,833
45$1,589,387$763,320$595,681$1,494,689
46$1,692,744$741,962$556,875$1,572,367
47$1,804,792$717,707$514,919$1,656,445
48$1,926,360$690,354$469,648$1,747,561
49$2,058,359$659,691$420,891$1,846,418
50$2,201,790$625,494$368,469$1,953,792
51$2,357,756$587,526$312,196$2,070,539
52$2,527,468$545,537$251,876$2,197,604
53$2,712,262$499,260$187,306$2,336,029
54$2,913,605$448,416$118,273$2,486,964
55$3,133,113$392,708$44,555$2,651,676
56$3,372,563$331,824$0$2,831,565
57$3,633,914$265,433$0$3,032,907
58$3,919,319$193,185$0$3,259,575
59$4,231,150$114,711$0$3,507,297
60$4,572,017$29,622$0$3,778,181
61$4,944,795$0$0$4,074,551
62$5,352,650$0$0$4,407,220
63$5,799,065$0$0$4,775,654
64$6,287,879$0$0$5,179,115
65$6,823,317$0$0$5,621,093
66$7,410,033$0$0$6,105,435
67$8,053,152$0$0$6,636,376
68$8,758,319$0$0$7,218,581
69$9,531,751$0$0$7,857,187
70$10,380,296$0$0$8,557,854
71$11,311,497$0$0$9,326,815
72$12,333,660$0$0$10,170,936
73$13,455,939$0$0$11,097,780
74$14,688,413$0$0$12,115,678
75$16,042,189$0$0$13,233,809
76$17,529,501$0$0$14,462,282
77$19,163,825$0$0$15,812,237
78$20,960,009$0$0$17,295,943
79$22,934,410$0$0$18,926,919
80$25,105,049$0$0$20,720,058
81$27,491,780$0$0$22,691,770
82$30,116,477$0$0$24,860,131
83$33,003,240$0$0$27,245,060
84$36,178,622$0$0$29,868,502
85$39,671,878$0$0$32,754,634
86$43,515,242$0$0$35,930,098
87$47,744,229$0$0$39,424,245
88$52,397,971$0$0$43,269,417
89$57,519,585$0$0$47,501,251
90$63,156,581$0$0$52,159,009
91$69,361,305$0$0$57,285,956
92$76,191,437$0$0$62,929,764
93$83,710,535$0$0$69,142,960
94$91,988,628$0$0$75,983,425
95$101,102,886$0$0$83,514,936
96$111,138,337$0$0$91,807,768
97$122,188,677$0$0$100,939,361
98$134,357,150$0$0$110,995,042
99$147,757,523$0$0$122,068,839
100$162,515,155$0$0$134,264,360