Can I retire at age 35 with 817,000?

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 $817,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$67,467$66,866$66,280$65,708$65,149$64,361
2 years$33,400$32,778$32,175$31,590$31,023$30,231
3 years$22,045$21,420$20,819$20,240$19,682$18,910
4 years$16,369$15,746$15,151$14,582$14,038$13,290
5 years$12,964$12,345$11,758$11,200$10,671$9,952
6 years$10,695$10,081$9,502$8,957$8,444$7,753
7 years$9,075$8,466$7,896$7,364$6,867$6,205
8 years$7,861$7,257$6,697$6,177$5,697$5,064
9 years$6,916$6,318$5,768$5,262$4,798$4,193
10 years$6,162$5,569$5,029$4,536$4,088$3,511
11 years$5,544$4,958$4,427$3,947$3,516$2,967
12 years$5,030$4,450$3,929$3,462$3,047$2,525
13 years$4,596$4,022$3,510$3,057$2,657$2,161
14 years$4,224$3,656$3,154$2,714$2,329$1,859
15 years$3,901$3,339$2,848$2,420$2,050$1,605
16 years$3,620$3,064$2,582$2,167$1,812$1,391
17 years$3,371$2,822$2,349$1,947$1,607$1,209
18 years$3,151$2,607$2,145$1,755$1,429$1,053
19 years$2,954$2,416$1,963$1,585$1,273$920
20 years$2,777$2,245$1,802$1,436$1,137$804
21 years$2,617$2,092$1,657$1,303$1,018$705
22 years$2,471$1,952$1,527$1,185$912$618
23 years$2,339$1,826$1,410$1,079$819$543
24 years$2,218$1,711$1,304$984$736$477
25 years$2,106$1,606$1,208$899$662$420
26 years$2,004$1,509$1,120$822$597$370
27 years$1,909$1,420$1,040$752$538$326
28 years$1,821$1,338$967$689$485$287
29 years$1,739$1,262$900$632$438$254
30 years$1,663$1,192$838$580$396$224
31 years$1,592$1,127$782$533$358$198
32 years$1,525$1,066$729$490$324$175
33 years$1,463$1,010$681$450$293$154
34 years$1,405$957$636$414$265$136
35 years$1,349$908$595$381$240$121
36 years$1,298$862$556$351$218$107
37 years$1,249$818$521$324$197$94
38 years$1,202$778$488$298$179$83
39 years$1,158$740$457$275$162$74
40 years$1,117$704$428$254$147$65
41 years$1,078$670$402$234$134$58
42 years$1,040$638$377$216$121$51
43 years$1,005$608$353$199$110$45
44 years$971$579$332$184$100$40
45 years$938$552$312$170$91$35
46 years$908$527$293$157$82$31
47 years$878$503$275$145$75$28
48 years$850$480$258$134$68$25
49 years$823$459$243$124$62$22
50 years$798$438$228$115$56$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $817,000, adding $5,715 every year, while hoping to spend $40,702 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: 73/6/21 Blend
34$817,000$817,000$817,000$817,000
35$906,229$862,928$850,265$967,377
36$955,358$861,905$835,442$1,007,772
37$1,008,133$859,467$818,758$1,046,569
38$1,064,885$855,503$800,109$1,088,045
39$1,125,974$849,894$779,383$1,132,460
40$1,191,797$842,512$756,466$1,180,100
41$1,262,789$833,224$731,237$1,231,281
42$1,339,430$821,888$703,569$1,286,351
43$1,422,245$808,354$673,332$1,345,697
44$1,511,812$792,461$640,386$1,409,742
45$1,608,767$774,042$604,589$1,478,957
46$1,713,807$752,916$565,789$1,553,860
47$1,827,702$728,895$523,829$1,635,022
48$1,951,295$701,778$478,545$1,723,075
49$2,085,515$671,354$429,765$1,818,715
50$2,231,384$637,397$377,308$1,922,711
51$2,390,026$599,670$320,989$2,035,912
52$2,562,677$557,922$260,610$2,159,254
53$2,750,698$511,888$195,969$2,293,772
54$2,955,586$461,287$126,850$2,440,605
55$3,178,988$405,823$53,032$2,601,013
56$3,422,718$345,182$0$2,776,383
57$3,688,773$279,033$0$2,974,018
58$3,979,348$207,026$0$3,202,895
59$4,296,863$128,792$0$3,453,041
60$4,643,980$43,940$0$3,726,574
61$5,023,632$0$0$4,025,825
62$5,439,047$0$0$4,356,529
63$5,893,778$0$0$4,721,745
64$6,391,740$0$0$5,121,719
65$6,937,244$0$0$5,559,919
66$7,535,036$0$0$6,040,163
67$8,190,343$0$0$6,566,655
68$8,908,924$0$0$7,144,027
69$9,697,120$0$0$7,777,380
70$10,561,915$0$0$8,472,331
71$11,511,004$0$0$9,235,069
72$12,552,861$0$0$10,072,412
73$13,696,821$0$0$10,991,867
74$14,953,168$0$0$12,001,707
75$16,333,228$0$0$13,111,044
76$17,849,482$0$0$14,329,915
77$19,515,678$0$0$15,669,381
78$21,346,960$0$0$17,141,623
79$23,360,015$0$0$18,760,063
80$25,573,224$0$0$20,539,489
81$28,006,841$0$0$22,496,193
82$30,683,180$0$0$24,648,123
83$33,626,823$0$0$27,015,056
84$36,864,858$0$0$29,618,779
85$40,427,128$0$0$32,483,301
86$44,346,513$0$0$35,635,071
87$48,659,245$0$0$39,103,233
88$53,405,241$0$0$42,919,899
89$58,628,485$0$0$47,120,452
90$64,377,441$0$0$51,743,877
91$70,705,509$0$0$56,833,131
92$77,671,530$0$0$62,435,547
93$85,340,337$0$0$68,603,282
94$93,783,372$0$0$75,393,803
95$103,079,354$0$0$82,870,436
96$113,315,023$0$0$91,102,960
97$124,585,960$0$0$100,168,263
98$136,997,486$0$0$110,151,070
99$150,665,656$0$0$121,144,742
100$165,718,354$0$0$133,252,153