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%18.4%
1 years$67,054$66,457$65,874$65,305$64,750$62,552
2 years$33,195$32,577$31,978$31,397$30,833$28,641
3 years$21,910$21,289$20,692$20,116$19,562$17,444
4 years$16,269$15,650$15,058$14,493$13,952$11,925
5 years$12,885$12,270$11,686$11,132$10,606$8,675
6 years$10,630$10,019$9,444$8,902$8,392$6,558
7 years$9,020$8,414$7,848$7,319$6,825$5,089
8 years$7,812$7,212$6,656$6,140$5,662$4,022
9 years$6,874$6,280$5,733$5,230$4,768$3,222
10 years$6,124$5,535$4,998$4,508$4,063$2,608
11 years$5,510$4,928$4,400$3,923$3,494$2,127
12 years$5,000$4,423$3,905$3,441$3,028$1,747
13 years$4,568$3,997$3,489$3,038$2,640$1,441
14 years$4,198$3,633$3,135$2,697$2,315$1,194
15 years$3,877$3,319$2,830$2,405$2,038$992
16 years$3,597$3,045$2,566$2,154$1,801$827
17 years$3,351$2,804$2,335$1,935$1,597$691
18 years$3,132$2,591$2,131$1,744$1,420$578
19 years$2,936$2,402$1,951$1,576$1,266$484
20 years$2,760$2,232$1,791$1,427$1,131$407
21 years$2,601$2,079$1,647$1,295$1,012$341
22 years$2,456$1,940$1,518$1,178$907$287
23 years$2,325$1,815$1,402$1,072$814$242
24 years$2,204$1,700$1,296$978$732$203
25 years$2,093$1,596$1,201$893$658$171
26 years$1,991$1,500$1,114$817$593$144
27 years$1,897$1,411$1,034$748$535$122
28 years$1,810$1,330$961$685$482$103
29 years$1,729$1,255$895$628$436$87
30 years$1,653$1,185$833$576$394$73
31 years$1,582$1,120$777$529$356$62
32 years$1,516$1,060$725$487$322$52
33 years$1,454$1,004$677$447$291$44
34 years$1,396$951$632$412$264$37
35 years$1,341$902$591$379$239$31
36 years$1,290$856$553$349$216$26
37 years$1,241$813$518$322$196$22
38 years$1,195$773$485$296$178$19
39 years$1,151$735$454$273$161$16
40 years$1,110$699$426$252$146$13
41 years$1,071$666$399$233$133$11
42 years$1,034$634$374$215$120$10
43 years$998$604$351$198$109$8
44 years$965$576$330$183$99$7
45 years$933$549$310$169$90$6
46 years$902$524$291$156$82$5
47 years$873$500$273$144$74$4
48 years$845$477$257$133$67$3
49 years$818$456$241$123$61$3
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 $4,586 every year, while hoping to spend $28,182 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: 79/12/9 Blend
34$812,000$812,000$812,000$812,000
35$899,554$856,518$843,932$969,028
36$961,324$868,502$842,219$1,027,258
37$1,028,449$880,129$839,503$1,086,991
38$1,101,446$891,351$835,722$1,151,690
39$1,180,884$902,118$830,810$1,221,835
40$1,267,389$912,376$824,696$1,297,960
41$1,361,647$922,067$817,308$1,380,647
42$1,464,417$931,130$808,570$1,470,544
43$1,576,532$939,500$798,401$1,568,358
44$1,698,908$947,106$786,718$1,674,872
45$1,832,557$953,874$773,433$1,790,949
46$1,978,589$959,725$758,454$1,917,537
47$2,138,229$964,575$741,686$2,055,682
48$2,312,823$968,334$723,027$2,206,536
49$2,503,855$970,907$702,373$2,371,371
50$2,712,959$972,192$679,613$2,551,584
51$2,941,934$972,082$654,633$2,748,717
52$3,192,760$970,463$627,312$2,964,471
53$3,467,619$967,213$597,524$3,200,716
54$3,768,913$962,203$565,138$3,459,517
55$4,099,288$955,298$530,017$3,743,147
56$4,461,659$946,351$492,016$4,054,111
57$4,859,235$935,209$450,985$4,395,172
58$5,295,553$921,710$406,769$4,769,371
59$5,774,506$905,681$359,203$5,180,063
60$6,300,385$886,938$308,115$5,630,944
61$6,877,915$865,289$253,328$6,126,087
62$7,512,303$840,529$194,655$6,669,981
63$8,209,282$812,439$131,900$7,267,574
64$8,975,171$780,791$64,861$7,924,317
65$9,816,930$745,341$0$8,646,221
66$10,742,227$705,832$0$9,440,549
67$11,759,509$661,993$0$10,320,647
68$12,878,083$613,535$0$11,288,347
69$14,108,203$560,154$0$12,352,536
70$15,461,167$501,529$0$13,523,011
71$16,949,423$437,320$0$14,810,564
72$18,586,683$367,169$0$16,227,090
73$20,388,060$290,695$0$17,785,695
74$22,370,201$207,498$0$19,500,825
75$24,551,451$117,155$0$21,388,394
76$26,952,023$19,219$0$23,465,945
77$29,594,187$0$0$25,752,805
78$32,502,484$0$0$28,281,736
79$35,703,951$0$0$31,068,420
80$39,228,385$0$0$34,136,257
81$43,108,613$0$0$37,513,828
82$47,380,811$0$0$41,232,624
83$52,084,839$0$0$45,327,348
84$57,264,621$0$0$49,836,237
85$62,968,555$0$0$54,801,426
86$69,249,973$0$0$60,269,344
87$76,167,642$0$0$66,291,152
88$83,786,319$0$0$72,923,226
89$92,177,364$0$0$80,227,689
90$101,419,408$0$0$88,272,995
91$111,599,098$0$0$97,134,577
92$122,811,917$0$0$106,895,560
93$135,163,079$0$0$117,647,541
94$148,768,527$0$0$129,491,455
95$163,756,023$0$0$142,538,531
96$180,266,356$0$0$156,911,335
97$198,454,671$0$0$172,744,932
98$218,491,930$0$0$190,188,158
99$240,566,528$0$0$209,405,025
100$264,886,070$0$0$230,576,270