Can I retire at age 35 with 813,000?

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 $813,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$67,137$66,539$65,955$65,386$64,830$63,703
2 years$33,236$32,617$32,017$31,435$30,871$29,740
3 years$21,937$21,316$20,717$20,141$19,586$18,485
4 years$16,289$15,669$15,077$14,510$13,969$12,907
5 years$12,901$12,285$11,700$11,145$10,619$9,599
6 years$10,643$10,032$9,456$8,913$8,402$7,426
7 years$9,031$8,424$7,858$7,328$6,833$5,900
8 years$7,822$7,221$6,664$6,147$5,669$4,779
9 years$6,883$6,287$5,740$5,236$4,774$3,927
10 years$6,131$5,542$5,004$4,514$4,068$3,262
11 years$5,517$4,934$4,405$3,928$3,498$2,734
12 years$5,006$4,428$3,910$3,446$3,032$2,307
13 years$4,573$4,002$3,493$3,042$2,644$1,958
14 years$4,203$3,638$3,138$2,700$2,317$1,670
15 years$3,882$3,323$2,834$2,408$2,040$1,429
16 years$3,602$3,049$2,569$2,156$1,803$1,228
17 years$3,355$2,808$2,338$1,937$1,599$1,057
18 years$3,135$2,595$2,134$1,746$1,422$912
19 years$2,939$2,405$1,954$1,578$1,267$789
20 years$2,763$2,234$1,793$1,429$1,132$684
21 years$2,604$2,081$1,649$1,297$1,013$593
22 years$2,459$1,943$1,520$1,179$908$515
23 years$2,328$1,817$1,403$1,074$815$448
24 years$2,207$1,703$1,298$979$733$390
25 years$2,096$1,598$1,202$894$659$339
26 years$1,994$1,502$1,115$818$594$296
27 years$1,900$1,413$1,035$749$535$258
28 years$1,812$1,332$962$686$483$225
29 years$1,731$1,256$896$629$436$197
30 years$1,655$1,186$834$577$394$172
31 years$1,584$1,122$778$530$356$150
32 years$1,518$1,061$726$487$322$131
33 years$1,456$1,005$678$448$292$115
34 years$1,398$952$633$412$264$100
35 years$1,343$903$592$379$239$88
36 years$1,291$857$554$349$217$77
37 years$1,242$814$518$322$196$67
38 years$1,196$774$485$297$178$59
39 years$1,153$736$455$274$161$51
40 years$1,111$700$426$252$146$45
41 years$1,072$667$400$233$133$39
42 years$1,035$635$375$215$121$34
43 years$1,000$605$352$198$109$30
44 years$966$577$330$183$99$26
45 years$934$550$310$169$90$23
46 years$903$524$291$156$82$20
47 years$874$500$274$144$74$18
48 years$846$478$257$133$68$15
49 years$819$456$242$123$61$14
50 years$794$436$227$114$56$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $813,000, adding $6,258 every year, while hoping to spend $43,222 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: 85/5/10 Blend
34$813,000$813,000$813,000$813,000
35$902,381$859,292$846,691$977,239
36$948,436$855,410$829,067$1,023,204
37$997,740$849,888$809,404$1,067,200
38$1,050,579$842,602$787,588$1,114,195
39$1,107,266$833,417$763,501$1,164,465
40$1,168,145$822,193$737,016$1,218,312
41$1,233,594$808,778$708,004$1,276,068
42$1,304,027$793,015$676,329$1,338,098
43$1,379,899$774,734$641,847$1,404,807
44$1,461,711$753,758$604,411$1,476,637
45$1,550,011$729,898$563,864$1,554,077
46$1,645,402$702,953$520,044$1,637,665
47$1,748,548$672,712$472,780$1,727,994
48$1,860,177$638,952$421,895$1,825,715
49$1,981,090$601,436$367,204$1,931,549
50$2,112,169$559,914$308,513$2,046,288
51$2,254,381$514,121$245,619$2,170,803
52$2,408,793$463,778$178,312$2,306,057
53$2,576,575$408,588$106,371$2,453,109
54$2,759,016$348,240$29,565$2,613,125
55$2,957,535$282,403$0$2,787,394
56$3,173,692$210,728$0$2,982,922
57$3,409,202$132,848$0$3,199,411
58$3,665,957$48,373$0$3,435,452
59$3,946,034$0$0$3,692,971
60$4,251,723$0$0$3,976,461
61$4,585,543$0$0$4,288,957
62$4,950,266$0$0$4,630,395
63$5,348,948$0$0$5,003,634
64$5,784,948$0$0$5,411,823
65$6,261,967$0$0$5,858,429
66$6,784,082$0$0$6,347,269
67$7,355,780$0$0$6,882,545
68$7,982,001$0$0$7,468,887
69$8,668,190$0$0$8,111,392
70$9,420,338$0$0$8,815,675
71$10,245,047$0$0$9,587,916
72$11,149,587$0$0$10,434,928
73$12,141,967$0$0$11,364,209
74$13,231,005$0$0$12,384,022
75$14,426,417$0$0$13,503,467
76$15,738,906$0$0$14,732,568
77$17,180,260$0$0$16,082,367
78$18,763,466$0$0$17,565,029
79$20,502,829$0$0$19,193,954
80$22,414,111$0$0$20,983,903
81$24,514,673$0$0$22,951,141
82$26,823,643$0$0$25,113,583
83$29,362,096$0$0$27,490,970
84$32,153,247$0$0$30,105,047
85$35,222,677$0$0$32,979,776
86$38,598,567$0$0$36,141,553
87$42,311,968$0$0$39,619,464
88$46,397,091$0$0$43,445,552
89$50,891,630$0$0$47,655,127
90$55,837,116$0$0$52,287,089
91$61,279,309$0$0$57,384,301
92$67,268,630$0$0$62,993,994
93$73,860,635$0$0$69,168,204
94$81,116,539$0$0$75,964,272
95$89,103,792$0$0$83,445,378
96$97,896,715$0$0$91,681,138
97$107,577,204$0$0$100,748,262
98$118,235,495$0$0$110,731,275
99$129,971,023$0$0$121,723,317
100$142,893,353$0$0$133,827,017