Can I retire at age 35 with 818,000?

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 $818,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$67,550$66,948$66,361$65,788$65,228$64,307
2 years$33,440$32,818$32,214$31,629$31,061$30,134
3 years$22,072$21,447$20,845$20,265$19,706$18,803
4 years$16,389$15,766$15,170$14,600$14,055$13,182
5 years$12,980$12,360$11,772$11,214$10,684$9,845
6 years$10,708$10,093$9,514$8,968$8,454$7,649
7 years$9,086$8,476$7,906$7,373$6,875$6,105
8 years$7,870$7,266$6,705$6,185$5,704$4,968
9 years$6,925$6,326$5,775$5,268$4,803$4,101
10 years$6,169$5,576$5,035$4,541$4,093$3,424
11 years$5,551$4,964$4,432$3,952$3,520$2,884
12 years$5,036$4,456$3,934$3,467$3,050$2,446
13 years$4,601$4,027$3,514$3,061$2,660$2,087
14 years$4,229$3,660$3,158$2,717$2,332$1,789
15 years$3,906$3,343$2,851$2,423$2,053$1,540
16 years$3,624$3,068$2,585$2,169$1,814$1,330
17 years$3,375$2,825$2,352$1,949$1,609$1,152
18 years$3,155$2,611$2,147$1,757$1,430$1,000
19 years$2,957$2,419$1,966$1,587$1,275$870
20 years$2,780$2,248$1,804$1,438$1,139$758
21 years$2,620$2,094$1,659$1,305$1,019$662
22 years$2,474$1,955$1,529$1,186$914$578
23 years$2,342$1,828$1,412$1,080$820$506
24 years$2,220$1,713$1,306$985$737$443
25 years$2,109$1,608$1,210$900$663$388
26 years$2,006$1,511$1,122$823$597$341
27 years$1,911$1,422$1,042$753$539$299
28 years$1,823$1,340$968$690$486$263
29 years$1,741$1,264$901$633$439$231
30 years$1,665$1,194$839$581$397$203
31 years$1,594$1,128$783$533$359$178
32 years$1,527$1,068$730$490$324$157
33 years$1,465$1,011$682$451$293$138
34 years$1,406$958$637$415$266$122
35 years$1,351$909$596$382$241$107
36 years$1,299$863$557$352$218$94
37 years$1,250$819$521$324$198$83
38 years$1,204$779$488$299$179$73
39 years$1,160$741$457$275$162$64
40 years$1,118$705$429$254$147$57
41 years$1,079$671$402$234$134$50
42 years$1,041$639$377$216$121$44
43 years$1,006$609$354$200$110$39
44 years$972$580$332$184$100$34
45 years$940$553$312$170$91$30
46 years$909$528$293$157$82$27
47 years$879$504$275$145$75$23
48 years$851$481$259$134$68$21
49 years$824$459$243$124$62$18
50 years$799$439$229$115$56$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $818,000, adding $6,332 every year, while hoping to spend $57,709 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: 35/38/27 Blend
34$818,000$818,000$818,000$818,000
35$907,967$864,613$851,934$932,169
36$939,178$845,578$819,072$931,754
37$971,638$823,675$783,175$925,649
38$1,005,414$798,704$744,080$917,939
39$1,040,577$770,451$701,618$908,521
40$1,077,204$738,691$655,610$897,284
41$1,115,378$703,186$605,872$884,114
42$1,155,186$663,682$552,208$868,890
43$1,196,725$619,912$494,418$851,485
44$1,240,098$571,595$432,288$831,769
45$1,285,417$518,431$365,597$809,604
46$1,332,800$460,106$294,116$784,846
47$1,382,380$396,285$217,603$757,345
48$1,434,296$326,616$135,806$726,945
49$1,488,701$250,727$48,463$693,483
50$1,545,761$168,226$0$656,791
51$1,605,656$78,695$0$629,583
52$1,668,579$0$0$614,523
53$1,734,744$0$0$605,185
54$1,804,381$0$0$630,031
55$1,877,741$0$0$656,249
56$1,955,096$0$0$683,944
57$2,036,746$0$0$713,227
58$2,123,014$0$0$744,221
59$2,214,255$0$0$777,062
60$2,310,855$0$0$811,896
61$2,413,237$0$0$848,884
62$2,521,862$0$0$888,200
63$2,637,234$0$0$930,038
64$2,759,907$0$0$974,608
65$2,890,482$0$0$1,022,140
66$3,029,622$0$0$1,072,885
67$3,178,050$0$0$1,127,121
68$3,336,558$0$0$1,185,150
69$3,506,017$0$0$1,247,305
70$3,687,378$0$0$1,313,950
71$3,881,686$0$0$1,385,484
72$4,090,086$0$0$1,462,346
73$4,313,836$0$0$1,545,017
74$4,554,316$0$0$1,634,027
75$4,813,038$0$0$1,729,955
76$5,091,668$0$0$1,833,440
77$5,392,030$0$0$1,945,181
78$5,716,130$0$0$2,065,950
79$6,066,174$0$0$2,196,590
80$6,444,583$0$0$2,338,034
81$6,854,018$0$0$2,491,302
82$7,297,407$0$0$2,657,520
83$7,777,966$0$0$2,837,924
84$8,299,233$0$0$3,033,872
85$8,865,099$0$0$3,246,862
86$9,479,842$0$0$3,478,537
87$10,148,170$0$0$3,730,709
88$10,875,261$0$0$4,005,370
89$11,666,813$0$0$4,304,711
90$12,529,094$0$0$4,631,145
91$13,469,005$0$0$4,987,327
92$14,494,138$0$0$5,376,179
93$15,612,850$0$0$5,800,919
94$16,834,341$0$0$6,265,088
95$18,168,736$0$0$6,772,584
96$19,627,185$0$0$7,327,702
97$21,221,960$0$0$7,935,168
98$22,966,575$0$0$8,600,187
99$24,875,911$0$0$9,328,490
100$26,966,351$0$0$10,126,389