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%20%
1 years$67,467$66,866$66,280$65,708$65,149$62,539
2 years$33,400$32,778$32,175$31,590$31,023$28,427
3 years$22,045$21,420$20,819$20,240$19,682$17,181
4 years$16,369$15,746$15,151$14,582$14,038$11,650
5 years$12,964$12,345$11,758$11,200$10,671$8,404
6 years$10,695$10,081$9,502$8,957$8,444$6,298
7 years$9,075$8,466$7,896$7,364$6,867$4,842
8 years$7,861$7,257$6,697$6,177$5,697$3,790
9 years$6,916$6,318$5,768$5,262$4,798$3,007
10 years$6,162$5,569$5,029$4,536$4,088$2,409
11 years$5,544$4,958$4,427$3,947$3,516$1,945
12 years$5,030$4,450$3,929$3,462$3,047$1,580
13 years$4,596$4,022$3,510$3,057$2,657$1,290
14 years$4,224$3,656$3,154$2,714$2,329$1,056
15 years$3,901$3,339$2,848$2,420$2,050$868
16 years$3,620$3,064$2,582$2,167$1,812$715
17 years$3,371$2,822$2,349$1,947$1,607$590
18 years$3,151$2,607$2,145$1,755$1,429$488
19 years$2,954$2,416$1,963$1,585$1,273$404
20 years$2,777$2,245$1,802$1,436$1,137$335
21 years$2,617$2,092$1,657$1,303$1,018$278
22 years$2,471$1,952$1,527$1,185$912$231
23 years$2,339$1,826$1,410$1,079$819$192
24 years$2,218$1,711$1,304$984$736$159
25 years$2,106$1,606$1,208$899$662$133
26 years$2,004$1,509$1,120$822$597$110
27 years$1,909$1,420$1,040$752$538$92
28 years$1,821$1,338$967$689$485$76
29 years$1,739$1,262$900$632$438$64
30 years$1,663$1,192$838$580$396$53
31 years$1,592$1,127$782$533$358$44
32 years$1,525$1,066$729$490$324$37
33 years$1,463$1,010$681$450$293$31
34 years$1,405$957$636$414$265$25
35 years$1,349$908$595$381$240$21
36 years$1,298$862$556$351$218$18
37 years$1,249$818$521$324$197$15
38 years$1,202$778$488$298$179$12
39 years$1,158$740$457$275$162$10
40 years$1,117$704$428$254$147$9
41 years$1,078$670$402$234$134$7
42 years$1,040$638$377$216$121$6
43 years$1,005$608$353$199$110$5
44 years$971$579$332$184$100$4
45 years$938$552$312$170$91$3
46 years$908$527$293$157$82$3
47 years$878$503$275$145$75$2
48 years$850$480$258$134$68$2
49 years$823$459$243$124$62$2
50 years$798$438$228$115$56$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $817,000, adding $4,122 every year, while hoping to spend $37,671 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: 80/14/6 Blend
34$817,000$817,000$817,000$817,000
35$904,586$861,285$848,621$976,210
36$956,772$863,406$836,969$1,025,817
37$1,013,018$864,369$823,663$1,074,834
38$1,073,700$864,076$808,609$1,127,472
39$1,139,227$862,426$791,707$1,184,072
40$1,210,053$859,309$772,854$1,245,011
41$1,286,673$854,611$751,940$1,310,701
42$1,369,635$848,207$728,850$1,381,601
43$1,459,537$839,969$703,467$1,458,213
44$1,557,041$829,759$675,664$1,541,091
45$1,662,872$817,430$645,312$1,630,846
46$1,777,829$802,828$612,274$1,728,150
47$1,902,790$785,789$576,407$1,833,744
48$2,038,721$766,139$537,563$1,948,447
49$2,186,686$743,695$495,586$2,073,159
50$2,347,853$718,261$450,313$2,208,872
51$2,523,510$689,632$401,575$2,356,681
52$2,715,073$657,589$349,193$2,517,791
53$2,924,102$621,903$292,983$2,693,533
54$3,152,313$582,329$232,750$2,885,370
55$3,401,595$538,609$168,294$3,094,919
56$3,674,028$490,471$99,402$3,323,960
57$3,971,902$437,626$25,854$3,574,457
58$4,297,736$379,771$0$3,848,571
59$4,654,308$316,582$0$4,152,060
60$5,044,674$247,721$0$4,486,166
61$5,472,199$172,828$0$4,852,149
62$5,940,591$91,524$0$5,253,221
63$6,453,930$3,408$0$5,692,921
64$7,016,713$0$0$6,175,150
65$7,633,891$0$0$6,718,373
66$8,310,918$0$0$7,314,873
67$9,053,800$0$0$7,969,418
68$9,869,154$0$0$8,687,843
69$10,764,268$0$0$9,476,573
70$11,747,170$0$0$10,342,683
71$12,826,704$0$0$11,293,971
72$14,012,612$0$0$12,339,024
73$15,315,626$0$0$13,487,305
74$16,747,570$0$0$14,749,237
75$18,321,470$0$0$16,136,301
76$20,051,675$0$0$17,661,149
77$21,953,996$0$0$19,337,718
78$24,045,851$0$0$21,181,364
79$26,346,430$0$0$23,209,005
80$28,876,877$0$0$25,439,279
81$31,660,488$0$0$27,892,726
82$34,722,929$0$0$30,591,970
83$38,092,482$0$0$33,561,945
84$41,800,304$0$0$36,830,119
85$45,880,730$0$0$40,426,760
86$50,371,588$0$0$44,385,217
87$55,314,561$0$0$48,742,237
88$60,755,577$0$0$53,538,310
89$66,745,243$0$0$58,818,050
90$73,339,322$0$0$64,630,616
91$80,599,257$0$0$71,030,177
92$88,592,755$0$0$78,076,422
93$97,394,419$0$0$85,835,120
94$107,086,457$0$0$94,378,745
95$117,759,454$0$0$103,787,156
96$129,513,227$0$0$114,148,351
97$142,457,768$0$0$125,559,297
98$156,714,279$0$0$138,126,845
99$172,416,318$0$0$151,968,740
100$189,711,055$0$0$167,214,726