Can I retire at age 35 with 814,000?

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 $814,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$67,219$66,621$66,036$65,466$64,910$63,212
2 years$33,277$32,657$32,057$31,474$30,909$29,211
3 years$21,964$21,342$20,743$20,166$19,610$17,964
4 years$16,309$15,688$15,095$14,528$13,986$12,404
5 years$12,917$12,300$11,715$11,159$10,632$9,119
6 years$10,656$10,044$9,467$8,924$8,413$6,970
7 years$9,042$8,435$7,867$7,337$6,842$5,470
8 years$7,832$7,230$6,672$6,155$5,676$4,374
9 years$6,891$6,295$5,747$5,243$4,780$3,547
10 years$6,139$5,549$5,010$4,519$4,073$2,907
11 years$5,524$4,940$4,411$3,933$3,503$2,403
12 years$5,012$4,434$3,914$3,450$3,035$1,999
13 years$4,579$4,007$3,497$3,046$2,647$1,672
14 years$4,208$3,642$3,142$2,704$2,320$1,404
15 years$3,887$3,327$2,837$2,411$2,043$1,184
16 years$3,606$3,053$2,572$2,159$1,806$1,001
17 years$3,359$2,811$2,341$1,940$1,601$848
18 years$3,139$2,598$2,137$1,748$1,423$721
19 years$2,943$2,408$1,956$1,580$1,269$613
20 years$2,767$2,237$1,795$1,431$1,133$522
21 years$2,607$2,084$1,651$1,298$1,014$446
22 years$2,462$1,945$1,522$1,180$909$380
23 years$2,330$1,819$1,405$1,075$816$325
24 years$2,210$1,705$1,300$981$733$278
25 years$2,099$1,600$1,204$895$660$238
26 years$1,996$1,503$1,116$819$595$204
27 years$1,902$1,415$1,037$749$536$175
28 years$1,814$1,333$964$687$484$150
29 years$1,733$1,258$897$630$437$128
30 years$1,657$1,188$835$578$395$110
31 years$1,586$1,123$779$531$357$94
32 years$1,520$1,063$727$488$323$81
33 years$1,458$1,006$678$449$292$70
34 years$1,399$954$634$413$264$60
35 years$1,345$905$593$380$239$51
36 years$1,293$859$554$350$217$44
37 years$1,244$815$519$322$197$38
38 years$1,198$775$486$297$178$32
39 years$1,154$737$455$274$162$28
40 years$1,113$701$427$253$147$24
41 years$1,074$667$400$233$133$21
42 years$1,036$636$375$215$121$18
43 years$1,001$606$352$199$110$15
44 years$967$577$331$183$99$13
45 years$935$550$310$169$90$11
46 years$904$525$292$156$82$10
47 years$875$501$274$145$74$8
48 years$847$478$257$134$68$7
49 years$820$457$242$123$61$6
50 years$795$436$227$114$56$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $814,000, adding $2,737 every year, while hoping to spend $48,184 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: 54/40/6 Blend
34$814,000$814,000$814,000$814,000
35$899,851$856,709$844,092$947,084
36$940,369$847,421$821,102$970,020
37$983,404$836,062$795,726$989,414
38$1,029,163$822,481$767,835$1,009,344
39$1,077,871$806,516$737,291$1,029,868
40$1,129,775$787,996$703,952$1,051,053
41$1,185,145$766,741$667,667$1,072,974
42$1,244,277$742,559$628,281$1,095,718
43$1,307,496$715,246$585,631$1,119,382
44$1,375,156$684,589$539,545$1,144,077
45$1,447,647$650,359$489,845$1,169,930
46$1,525,398$612,318$436,346$1,197,082
47$1,608,878$570,210$378,852$1,225,694
48$1,698,601$523,768$317,161$1,255,948
49$1,795,132$472,707$251,060$1,288,047
50$1,899,093$416,727$180,328$1,322,222
51$2,011,165$355,511$104,734$1,358,731
52$2,132,096$288,723$24,035$1,397,865
53$2,262,711$216,011$0$1,439,948
54$2,403,911$137,000$0$1,489,320
55$2,556,692$51,295$0$1,544,316
56$2,722,146$0$0$1,603,872
57$2,901,472$0$0$1,686,792
58$3,095,993$0$0$1,801,293
59$3,307,160$0$0$1,925,660
60$3,536,570$0$0$2,060,843
61$3,785,980$0$0$2,207,886
62$4,057,324$0$0$2,367,937
63$4,352,728$0$0$2,542,261
64$4,674,531$0$0$2,732,249
65$5,025,311$0$0$2,939,433
66$5,407,900$0$0$3,165,497
67$5,825,419$0$0$3,412,296
68$6,281,300$0$0$3,681,871
69$6,779,325$0$0$3,976,472
70$7,323,655$0$0$4,298,572
71$7,918,870$0$0$4,650,895
72$8,570,016$0$0$5,036,443
73$9,282,646$0$0$5,458,518
74$10,062,877$0$0$5,920,758
75$10,917,443$0$0$6,427,168
76$11,853,763$0$0$6,982,161
77$12,880,003$0$0$7,590,595
78$14,005,160$0$0$8,257,821
79$15,239,142$0$0$8,989,734
80$16,592,862$0$0$9,792,824
81$18,078,341$0$0$10,674,243
82$19,708,818$0$0$11,641,867
83$21,498,878$0$0$12,704,373
84$23,464,586$0$0$13,871,317
85$25,623,641$0$0$15,153,230
86$27,995,537$0$0$16,561,709
87$30,601,754$0$0$18,109,533
88$33,465,950$0$0$19,810,779
89$36,614,193$0$0$21,680,955
90$40,075,201$0$0$23,737,148
91$43,880,611$0$0$25,998,182
92$48,065,283$0$0$28,484,795
93$52,667,619$0$0$31,219,840
94$57,729,934$0$0$34,228,492
95$63,298,847$0$0$37,538,489
96$69,425,723$0$0$41,180,395
97$76,167,158$0$0$45,187,884
98$83,585,510$0$0$49,598,060
99$91,749,486$0$0$54,451,806
100$100,734,793$0$0$59,794,169