Can I retire at age 35 with 815,000?

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 $815,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$67,302$66,702$66,118$65,547$64,989$63,470
2 years$33,318$32,697$32,096$31,513$30,947$29,425
3 years$21,991$21,368$20,768$20,191$19,634$18,157
4 years$16,329$15,708$15,114$14,546$14,003$12,582
5 years$12,933$12,315$11,729$11,173$10,645$9,284
6 years$10,669$10,056$9,479$8,935$8,423$7,124
7 years$9,053$8,445$7,877$7,346$6,850$5,613
8 years$7,841$7,239$6,680$6,162$5,683$4,506
9 years$6,899$6,303$5,754$5,249$4,786$3,670
10 years$6,146$5,556$5,016$4,525$4,078$3,021
11 years$5,531$4,946$4,416$3,938$3,507$2,508
12 years$5,018$4,439$3,919$3,454$3,039$2,096
13 years$4,584$4,012$3,502$3,049$2,650$1,761
14 years$4,213$3,647$3,146$2,707$2,323$1,487
15 years$3,892$3,331$2,841$2,414$2,045$1,259
16 years$3,611$3,056$2,575$2,162$1,808$1,070
17 years$3,363$2,815$2,344$1,942$1,603$912
18 years$3,143$2,601$2,139$1,750$1,425$778
19 years$2,947$2,411$1,958$1,581$1,270$666
20 years$2,770$2,240$1,797$1,432$1,135$570
21 years$2,610$2,086$1,653$1,300$1,015$489
22 years$2,465$1,948$1,524$1,182$910$420
23 years$2,333$1,822$1,407$1,076$817$361
24 years$2,212$1,707$1,301$982$734$310
25 years$2,101$1,602$1,205$897$661$267
26 years$1,999$1,505$1,118$820$595$230
27 years$1,904$1,417$1,038$750$537$198
28 years$1,816$1,335$965$688$484$171
29 years$1,735$1,259$898$630$437$147
30 years$1,659$1,189$836$579$395$127
31 years$1,588$1,124$780$531$357$110
32 years$1,522$1,064$727$488$323$95
33 years$1,460$1,007$679$449$292$82
34 years$1,401$955$635$413$265$71
35 years$1,346$906$593$380$240$61
36 years$1,294$860$555$350$217$53
37 years$1,246$816$520$323$197$45
38 years$1,199$776$487$298$179$39
39 years$1,156$738$456$274$162$34
40 years$1,114$702$427$253$147$29
41 years$1,075$668$401$233$133$25
42 years$1,038$636$376$215$121$22
43 years$1,002$606$353$199$110$19
44 years$968$578$331$184$100$16
45 years$936$551$311$170$90$14
46 years$905$526$292$157$82$12
47 years$876$502$274$145$75$11
48 years$848$479$258$134$68$9
49 years$821$457$242$124$61$8
50 years$796$437$228$114$56$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $815,000, adding $5,005 every year, while hoping to spend $34,770 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: 79/11/10 Blend
34$815,000$815,000$815,000$815,000
35$903,293$860,098$847,465$972,760
36$958,433$865,247$838,860$1,024,235
37$1,018,033$869,484$828,802$1,075,674
38$1,082,510$872,727$817,204$1,131,090
39$1,152,324$874,888$803,978$1,190,861
40$1,227,980$875,876$789,030$1,255,409
41$1,310,033$875,593$772,262$1,325,195
42$1,399,095$873,936$753,572$1,400,730
43$1,495,838$870,794$732,851$1,482,573
44$1,601,000$866,050$709,989$1,571,345
45$1,715,396$859,580$684,867$1,667,726
46$1,839,919$851,252$657,363$1,772,467
47$1,975,555$840,927$627,348$1,886,398
48$2,123,386$828,458$594,689$2,010,429
49$2,284,606$813,686$559,245$2,145,567
50$2,460,526$796,447$520,870$2,292,919
51$2,652,590$776,564$479,410$2,453,709
52$2,862,390$753,851$434,706$2,629,281
53$3,091,675$728,111$386,590$2,821,120
54$3,342,373$699,135$334,887$3,030,861
55$3,616,605$666,703$279,417$3,260,309
56$3,916,708$630,581$219,987$3,511,451
57$4,245,255$590,522$156,399$3,786,476
58$4,605,079$546,265$88,446$4,087,802
59$4,999,299$497,534$15,911$4,418,088
60$5,431,351$444,037$0$4,780,270
61$5,905,020$385,466$0$5,184,144
62$6,424,472$321,494$0$5,628,952
63$6,994,298$251,777$0$6,116,950
64$7,619,555$175,952$0$6,652,498
65$8,305,810$93,635$0$7,240,401
66$9,059,199$4,419$0$7,885,952
67$9,886,479$0$0$8,594,983
68$10,795,093$0$0$9,385,075
69$11,793,243$0$0$10,253,637
70$12,889,960$0$0$11,207,998
71$14,095,198$0$0$12,256,821
72$15,419,919$0$0$13,409,650
73$16,876,203$0$0$14,677,001
74$18,477,356$0$0$16,070,458
75$20,238,040$0$0$17,602,784
76$22,174,408$0$0$19,288,042
77$24,304,256$0$0$21,141,723
78$26,647,192$0$0$23,180,899
79$29,224,821$0$0$25,424,376
80$32,060,946$0$0$27,892,878
81$35,181,794$0$0$30,609,235
82$38,616,264$0$0$33,598,607
83$42,396,196$0$0$36,888,712
84$46,556,675$0$0$40,510,094
85$51,136,359$0$0$44,496,407
86$56,177,844$0$0$48,884,734
87$61,728,067$0$0$53,715,935
88$67,838,744$0$0$59,035,035
89$74,566,865$0$0$64,891,646
90$81,975,224$0$0$71,340,435
91$90,133,016$0$0$78,441,640
92$99,116,486$0$0$86,261,640
93$109,009,653$0$0$94,873,576
94$119,905,095$0$0$104,358,047
95$131,904,832$0$0$114,803,866
96$145,121,278$0$0$126,308,900
97$159,678,309$0$0$138,980,991
98$175,712,430$0$0$152,938,975
99$193,374,059$0$0$168,313,805
100$212,828,952$0$0$185,249,781