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%14.2%
1 years$67,219$66,621$66,036$65,466$64,910$63,782
2 years$33,277$32,657$32,057$31,474$30,909$29,777
3 years$21,964$21,342$20,743$20,166$19,610$18,508
4 years$16,309$15,688$15,095$14,528$13,986$12,923
5 years$12,917$12,300$11,715$11,159$10,632$9,611
6 years$10,656$10,044$9,467$8,924$8,413$7,435
7 years$9,042$8,435$7,867$7,337$6,842$5,907
8 years$7,832$7,230$6,672$6,155$5,676$4,785
9 years$6,891$6,295$5,747$5,243$4,780$3,932
10 years$6,139$5,549$5,010$4,519$4,073$3,266
11 years$5,524$4,940$4,411$3,933$3,503$2,737
12 years$5,012$4,434$3,914$3,450$3,035$2,310
13 years$4,579$4,007$3,497$3,046$2,647$1,961
14 years$4,208$3,642$3,142$2,704$2,320$1,672
15 years$3,887$3,327$2,837$2,411$2,043$1,431
16 years$3,606$3,053$2,572$2,159$1,806$1,229
17 years$3,359$2,811$2,341$1,940$1,601$1,058
18 years$3,139$2,598$2,137$1,748$1,423$914
19 years$2,943$2,408$1,956$1,580$1,269$790
20 years$2,767$2,237$1,795$1,431$1,133$684
21 years$2,607$2,084$1,651$1,298$1,014$594
22 years$2,462$1,945$1,522$1,180$909$516
23 years$2,330$1,819$1,405$1,075$816$448
24 years$2,210$1,705$1,300$981$733$390
25 years$2,099$1,600$1,204$895$660$340
26 years$1,996$1,503$1,116$819$595$296
27 years$1,902$1,415$1,037$749$536$258
28 years$1,814$1,333$964$687$484$225
29 years$1,733$1,258$897$630$437$197
30 years$1,657$1,188$835$578$395$172
31 years$1,586$1,123$779$531$357$150
32 years$1,520$1,063$727$488$323$131
33 years$1,458$1,006$678$449$292$115
34 years$1,399$954$634$413$264$100
35 years$1,345$905$593$380$239$88
36 years$1,293$859$554$350$217$77
37 years$1,244$815$519$322$197$67
38 years$1,198$775$486$297$178$59
39 years$1,154$737$455$274$162$51
40 years$1,113$701$427$253$147$45
41 years$1,074$667$400$233$133$39
42 years$1,036$636$375$215$121$34
43 years$1,001$606$352$199$110$30
44 years$967$577$331$183$99$26
45 years$935$550$310$169$90$23
46 years$904$525$292$156$82$20
47 years$875$501$274$145$74$18
48 years$847$478$257$134$68$15
49 years$820$457$242$123$61$14
50 years$795$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 $814,000, adding $3,367 every year, while hoping to spend $37,353 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: 80/9/11 Blend
34$814,000$814,000$814,000$814,000
35$900,501$857,359$844,742$970,548
36$952,609$859,626$833,298$1,019,276
37$1,008,780$860,753$820,218$1,067,527
38$1,069,389$860,643$805,409$1,119,382
39$1,134,848$859,196$788,771$1,175,182
40$1,205,610$856,304$770,202$1,235,305
41$1,282,172$851,853$749,594$1,300,167
42$1,365,082$845,722$726,834$1,370,225
43$1,454,940$837,783$701,803$1,445,984
44$1,552,409$827,899$674,379$1,528,001
45$1,658,215$815,926$644,431$1,616,889
46$1,773,159$801,712$611,824$1,713,323
47$1,898,119$785,094$576,419$1,818,047
48$2,034,065$765,901$538,066$1,931,882
49$2,182,060$743,951$496,612$2,055,733
50$2,343,278$719,052$451,896$2,190,596
51$2,519,007$691,001$403,749$2,337,570
52$2,710,667$659,581$351,996$2,497,867
53$2,919,820$624,566$296,453$2,672,820
54$3,148,185$585,713$236,928$2,863,902
55$3,397,656$542,769$173,221$3,072,735
56$3,670,316$495,464$105,124$3,301,107
57$3,968,460$443,513$32,417$3,550,989
58$4,294,613$386,616$0$3,824,554
59$4,651,557$324,453$0$4,129,498
60$5,042,354$256,690$0$4,467,567
61$5,470,378$182,971$0$4,837,889
62$5,939,341$102,921$0$5,243,704
63$6,453,335$16,145$0$5,688,581
64$7,016,863$0$0$6,176,452
65$7,634,888$0$0$6,719,351
66$8,312,875$0$0$7,316,699
67$9,056,841$0$0$7,972,204
68$9,873,418$0$0$8,691,711
69$10,769,909$0$0$9,481,657
70$11,754,357$0$0$10,349,134
71$12,835,626$0$0$11,301,955
72$14,023,477$0$0$12,348,726
73$15,328,666$0$0$13,498,927
74$16,763,040$0$0$14,763,004
75$18,339,651$0$0$16,152,464
76$20,072,881$0$0$17,679,982
77$21,978,572$0$0$19,359,526
78$24,074,178$0$0$21,206,484
79$26,378,930$0$0$23,237,808
80$28,914,017$0$0$25,472,178
81$31,702,782$0$0$27,930,173
82$34,770,946$0$0$30,634,469
83$38,146,849$0$0$33,610,048
84$41,861,717$0$0$36,884,438
85$45,949,953$0$0$40,487,970
86$50,449,467$0$0$44,454,064
87$55,402,029$0$0$48,819,544
88$60,853,665$0$0$53,624,985
89$66,855,086$0$0$58,915,095
90$73,462,175$0$0$64,739,137
91$80,736,504$0$0$71,151,395
92$88,745,923$0$0$78,211,682
93$97,565,192$0$0$85,985,908
94$107,276,694$0$0$94,546,700
95$117,971,204$0$0$103,974,084
96$129,748,750$0$0$114,356,245
97$142,719,558$0$0$125,790,357
98$157,005,086$0$0$138,383,495
99$172,739,174$0$0$152,253,653
100$190,069,306$0$0$167,530,851