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%19.1%
1 years$67,467$66,866$66,280$65,708$65,149$62,762
2 years$33,400$32,778$32,175$31,590$31,023$28,646
3 years$22,045$21,420$20,819$20,240$19,682$17,388
4 years$16,369$15,746$15,151$14,582$14,038$11,844
5 years$12,964$12,345$11,758$11,200$10,671$8,585
6 years$10,695$10,081$9,502$8,957$8,444$6,465
7 years$9,075$8,466$7,896$7,364$6,867$4,996
8 years$7,861$7,257$6,697$6,177$5,697$3,932
9 years$6,916$6,318$5,768$5,262$4,798$3,137
10 years$6,162$5,569$5,029$4,536$4,088$2,528
11 years$5,544$4,958$4,427$3,947$3,516$2,053
12 years$5,030$4,450$3,929$3,462$3,047$1,678
13 years$4,596$4,022$3,510$3,057$2,657$1,378
14 years$4,224$3,656$3,154$2,714$2,329$1,136
15 years$3,901$3,339$2,848$2,420$2,050$939
16 years$3,620$3,064$2,582$2,167$1,812$779
17 years$3,371$2,822$2,349$1,947$1,607$647
18 years$3,151$2,607$2,145$1,755$1,429$539
19 years$2,954$2,416$1,963$1,585$1,273$449
20 years$2,777$2,245$1,802$1,436$1,137$375
21 years$2,617$2,092$1,657$1,303$1,018$313
22 years$2,471$1,952$1,527$1,185$912$262
23 years$2,339$1,826$1,410$1,079$819$219
24 years$2,218$1,711$1,304$984$736$183
25 years$2,106$1,606$1,208$899$662$154
26 years$2,004$1,509$1,120$822$597$129
27 years$1,909$1,420$1,040$752$538$108
28 years$1,821$1,338$967$689$485$90
29 years$1,739$1,262$900$632$438$76
30 years$1,663$1,192$838$580$396$64
31 years$1,592$1,127$782$533$358$53
32 years$1,525$1,066$729$490$324$45
33 years$1,463$1,010$681$450$293$38
34 years$1,405$957$636$414$265$32
35 years$1,349$908$595$381$240$26
36 years$1,298$862$556$351$218$22
37 years$1,249$818$521$324$197$19
38 years$1,202$778$488$298$179$16
39 years$1,158$740$457$275$162$13
40 years$1,117$704$428$254$147$11
41 years$1,078$670$402$234$134$9
42 years$1,040$638$377$216$121$8
43 years$1,005$608$353$199$110$7
44 years$971$579$332$184$100$5
45 years$938$552$312$170$91$5
46 years$908$527$293$157$82$4
47 years$878$503$275$145$75$3
48 years$850$480$258$134$68$3
49 years$823$459$243$124$62$2
50 years$798$438$228$115$56$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $817,000, adding $3,551 every year, while hoping to spend $48,887 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: 58/37/5 Blend
34$817,000$817,000$817,000$817,000
35$903,997$860,696$848,032$955,393
36$944,189$850,855$824,426$980,440
37$986,843$838,893$798,390$1,001,843
38$1,032,157$824,654$769,793$1,023,936
39$1,080,349$807,975$738,493$1,046,785
40$1,131,659$788,680$704,347$1,070,469
41$1,186,348$766,585$667,202$1,095,075
42$1,244,702$741,494$626,900$1,120,702
43$1,307,034$713,200$583,274$1,147,462
44$1,373,688$681,484$536,150$1,175,480
45$1,445,042$646,113$485,348$1,204,899
46$1,521,507$606,844$430,678$1,235,877
47$1,603,537$563,416$371,943$1,268,593
48$1,691,630$515,555$308,935$1,303,248
49$1,786,331$462,972$241,439$1,340,068
50$1,888,239$405,361$169,230$1,379,305
51$1,998,013$342,396$92,072$1,421,243
52$2,116,375$273,738$9,721$1,466,197
53$2,244,118$199,024$0$1,514,522
54$2,382,115$117,874$0$1,570,784
55$2,531,324$29,883$0$1,632,079
56$2,692,799$0$0$1,698,396
57$2,867,698$0$0$1,796,918
58$3,057,294$0$0$1,916,966
59$3,262,987$0$0$2,047,267
60$3,486,317$0$0$2,188,804
61$3,728,977$0$0$2,342,658
62$3,992,831$0$0$2,510,020
63$4,279,929$0$0$2,692,197
64$4,592,525$0$0$2,890,629
65$4,933,101$0$0$3,106,903
66$5,304,388$0$0$3,342,762
67$5,709,392$0$0$3,600,125
68$6,151,421$0$0$3,881,106
69$6,634,117$0$0$4,188,031
70$7,161,487$0$0$4,523,460
71$7,737,947$0$0$4,890,212
72$8,368,354$0$0$5,291,393
73$9,058,058$0$0$5,730,419
74$9,812,951$0$0$6,211,053
75$10,639,518$0$0$6,737,440
76$11,544,903$0$0$7,314,144
77$12,536,971$0$0$7,946,191
78$13,624,387$0$0$8,639,115
79$14,816,692$0$0$9,399,014
80$16,124,395$0$0$10,232,601
81$17,559,070$0$0$11,147,274
82$19,133,466$0$0$12,151,178
83$20,861,627$0$0$13,253,286
84$22,759,021$0$0$14,463,485
85$24,842,689$0$0$15,792,663
86$27,131,402$0$0$17,252,814
87$29,645,839$0$0$18,857,154
88$32,408,779$0$0$20,620,240
89$35,445,321$0$0$22,558,110
90$38,783,111$0$0$24,688,432
91$42,452,610$0$0$27,030,674
92$46,487,378$0$0$29,606,281
93$50,924,386$0$0$32,438,881
94$55,804,371$0$0$35,554,509
95$61,172,215$0$0$38,981,847
96$67,077,366$0$0$42,752,499
97$73,574,308$0$0$46,901,283
98$80,723,072$0$0$51,466,567
99$88,589,802$0$0$56,490,621
100$97,247,378$0$0$62,020,026