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%17.8%
1 years$67,137$66,539$65,955$65,386$64,830$62,780
2 years$33,236$32,617$32,017$31,435$30,871$28,824
3 years$21,937$21,316$20,717$20,141$19,586$17,607
4 years$16,289$15,669$15,077$14,510$13,969$12,072
5 years$12,901$12,285$11,700$11,145$10,619$8,810
6 years$10,643$10,032$9,456$8,913$8,402$6,683
7 years$9,031$8,424$7,858$7,328$6,833$5,203
8 years$7,822$7,221$6,664$6,147$5,669$4,126
9 years$6,883$6,287$5,740$5,236$4,774$3,318
10 years$6,131$5,542$5,004$4,514$4,068$2,695
11 years$5,517$4,934$4,405$3,928$3,498$2,208
12 years$5,006$4,428$3,910$3,446$3,032$1,820
13 years$4,573$4,002$3,493$3,042$2,644$1,508
14 years$4,203$3,638$3,138$2,700$2,317$1,254
15 years$3,882$3,323$2,834$2,408$2,040$1,047
16 years$3,602$3,049$2,569$2,156$1,803$876
17 years$3,355$2,808$2,338$1,937$1,599$735
18 years$3,135$2,595$2,134$1,746$1,422$618
19 years$2,939$2,405$1,954$1,578$1,267$520
20 years$2,763$2,234$1,793$1,429$1,132$439
21 years$2,604$2,081$1,649$1,297$1,013$370
22 years$2,459$1,943$1,520$1,179$908$313
23 years$2,328$1,817$1,403$1,074$815$264
24 years$2,207$1,703$1,298$979$733$224
25 years$2,096$1,598$1,202$894$659$189
26 years$1,994$1,502$1,115$818$594$160
27 years$1,900$1,413$1,035$749$535$136
28 years$1,812$1,332$962$686$483$115
29 years$1,731$1,256$896$629$436$97
30 years$1,655$1,186$834$577$394$83
31 years$1,584$1,122$778$530$356$70
32 years$1,518$1,061$726$487$322$59
33 years$1,456$1,005$678$448$292$50
34 years$1,398$952$633$412$264$43
35 years$1,343$903$592$379$239$36
36 years$1,291$857$554$349$217$31
37 years$1,242$814$518$322$196$26
38 years$1,196$774$485$297$178$22
39 years$1,153$736$455$274$161$19
40 years$1,111$700$426$252$146$16
41 years$1,072$667$400$233$133$14
42 years$1,035$635$375$215$121$11
43 years$1,000$605$352$198$109$10
44 years$966$577$330$183$99$8
45 years$934$550$310$169$90$7
46 years$903$524$291$156$82$6
47 years$874$500$274$144$74$5
48 years$846$478$257$133$68$4
49 years$819$456$242$123$61$4
50 years$794$436$227$114$56$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $813,000, adding $5,075 every year, while hoping to spend $23,599 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: 51/39/10 Blend
34$813,000$813,000$813,000$813,000
35$901,161$858,072$845,470$944,506
36$967,970$875,008$848,684$991,575
37$1,040,803$891,984$851,215$1,039,774
38$1,120,249$908,975$853,015$1,091,622
39$1,206,957$925,957$854,034$1,147,469
40$1,301,641$942,903$854,218$1,207,700
41$1,405,087$959,785$853,513$1,272,739
42$1,518,162$976,570$851,862$1,343,054
43$1,641,817$993,224$849,202$1,419,160
44$1,777,102$1,009,712$845,470$1,501,626
45$1,925,173$1,025,994$840,600$1,591,078
46$2,087,301$1,042,029$834,520$1,688,207
47$2,264,888$1,057,771$827,159$1,793,774
48$2,459,476$1,073,171$818,439$1,908,619
49$2,672,765$1,088,178$808,278$2,033,667
50$2,906,626$1,102,738$796,594$2,169,938
51$3,163,119$1,116,789$783,297$2,318,557
52$3,444,515$1,130,270$768,296$2,480,766
53$3,753,315$1,143,112$751,493$2,657,932
54$4,092,271$1,155,243$732,787$2,851,562
55$4,464,420$1,166,587$712,071$3,063,319
56$4,873,101$1,177,060$689,237$3,295,038
57$5,321,998$1,186,576$664,166$3,548,738
58$5,815,164$1,195,042$636,739$3,826,649
59$6,357,069$1,202,357$606,828$4,131,228
60$6,952,635$1,208,416$574,300$4,465,186
61$7,607,282$1,213,108$539,019$4,831,508
62$8,326,987$1,216,312$500,837$5,233,489
63$9,118,330$1,217,901$459,606$5,674,760
64$9,988,562$1,217,742$415,165$6,159,326
65$10,945,674$1,215,689$367,351$6,691,601
66$11,998,466$1,211,591$315,992$7,276,452
67$13,156,638$1,205,288$260,906$7,919,245
68$14,430,875$1,196,606$201,906$8,625,896
69$15,832,950$1,185,366$138,795$9,402,928
70$17,375,835$1,171,374$71,370$10,257,532
71$19,073,825$1,154,425$0$11,197,635
72$20,942,668$1,134,305$0$12,232,040
73$22,999,717$1,110,783$0$13,378,449
74$25,264,093$1,083,616$0$14,639,888
75$27,756,865$1,052,548$0$16,028,092
76$30,501,249$1,017,307$0$17,555,996
77$33,522,826$977,604$0$19,237,861
78$36,849,782$933,134$0$21,089,402
79$40,513,178$883,576$0$23,127,946
80$44,547,239$828,589$0$25,372,586
81$48,989,679$767,811$0$27,844,372
82$53,882,054$700,861$0$30,566,502
83$59,270,157$627,337$0$33,564,549
84$65,204,449$546,812$0$36,866,699
85$71,740,534$458,837$0$40,504,016
86$78,939,684$362,936$0$44,510,744
87$86,869,419$258,606$0$48,924,624
88$95,604,139$145,318$0$53,787,253
89$105,225,834$22,511$0$59,144,482
90$115,824,849$0$0$65,046,844
91$127,500,741$0$0$71,597,419
92$140,363,220$0$0$78,824,483
93$154,533,181$0$0$86,786,316
94$170,143,843$0$0$95,557,792
95$187,342,014$0$0$105,221,415
96$206,289,469$0$0$115,868,104
97$227,164,479$0$0$127,598,050
98$250,163,495$0$0$140,521,660
99$275,503,000$0$0$154,760,599
100$303,421,554$0$0$170,448,940