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%18.5%
1 years$67,550$66,948$66,361$65,788$65,228$62,989
2 years$33,440$32,818$32,214$31,629$31,061$28,828
3 years$22,072$21,447$20,845$20,265$19,706$17,550
4 years$16,389$15,766$15,170$14,600$14,055$11,991
5 years$12,980$12,360$11,772$11,214$10,684$8,718
6 years$10,708$10,093$9,514$8,968$8,454$6,588
7 years$9,086$8,476$7,906$7,373$6,875$5,108
8 years$7,870$7,266$6,705$6,185$5,704$4,035
9 years$6,925$6,326$5,775$5,268$4,803$3,230
10 years$6,169$5,576$5,035$4,541$4,093$2,613
11 years$5,551$4,964$4,432$3,952$3,520$2,130
12 years$5,036$4,456$3,934$3,467$3,050$1,748
13 years$4,601$4,027$3,514$3,061$2,660$1,441
14 years$4,229$3,660$3,158$2,717$2,332$1,193
15 years$3,906$3,343$2,851$2,423$2,053$991
16 years$3,624$3,068$2,585$2,169$1,814$825
17 years$3,375$2,825$2,352$1,949$1,609$689
18 years$3,155$2,611$2,147$1,757$1,430$576
19 years$2,957$2,419$1,966$1,587$1,275$482
20 years$2,780$2,248$1,804$1,438$1,139$404
21 years$2,620$2,094$1,659$1,305$1,019$339
22 years$2,474$1,955$1,529$1,186$914$285
23 years$2,342$1,828$1,412$1,080$820$240
24 years$2,220$1,713$1,306$985$737$202
25 years$2,109$1,608$1,210$900$663$170
26 years$2,006$1,511$1,122$823$597$143
27 years$1,911$1,422$1,042$753$539$120
28 years$1,823$1,340$968$690$486$101
29 years$1,741$1,264$901$633$439$85
30 years$1,665$1,194$839$581$397$72
31 years$1,594$1,128$783$533$359$61
32 years$1,527$1,068$730$490$324$51
33 years$1,465$1,011$682$451$293$43
34 years$1,406$958$637$415$266$36
35 years$1,351$909$596$382$241$31
36 years$1,299$863$557$352$218$26
37 years$1,250$819$521$324$198$22
38 years$1,204$779$488$299$179$18
39 years$1,160$741$457$275$162$16
40 years$1,118$705$429$254$147$13
41 years$1,079$671$402$234$134$11
42 years$1,041$639$377$216$121$9
43 years$1,006$609$354$200$110$8
44 years$972$580$332$184$100$7
45 years$940$553$312$170$91$6
46 years$909$528$293$157$82$5
47 years$879$504$275$145$75$4
48 years$851$481$259$134$68$3
49 years$824$459$243$124$62$3
50 years$799$439$229$115$56$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $818,000, adding $6,727 every year, while hoping to spend $39,256 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: 62/28/10 Blend
34$818,000$818,000$818,000$818,000
35$908,375$865,021$852,342$962,244
36$959,261$865,639$839,127$999,739
37$1,014,022$864,971$824,154$1,035,516
38$1,073,011$862,914$807,323$1,073,585
39$1,136,618$859,356$788,527$1,114,168
40$1,205,268$854,180$767,658$1,157,512
41$1,279,431$847,260$744,600$1,203,887
42$1,359,622$838,465$719,234$1,253,596
43$1,446,408$827,655$691,433$1,306,970
44$1,540,412$814,680$661,065$1,364,379
45$1,642,317$799,383$627,995$1,426,229
46$1,752,878$781,597$592,077$1,492,972
47$1,872,922$761,145$553,162$1,565,106
48$2,003,359$737,841$511,092$1,643,182
49$2,145,193$711,486$465,705$1,727,810
50$2,299,524$681,870$416,827$1,819,663
51$2,467,566$648,773$364,282$1,919,487
52$2,650,654$611,958$307,881$2,028,106
53$2,850,255$571,178$247,429$2,146,430
54$3,067,986$526,172$182,723$2,275,465
55$3,305,627$476,660$113,551$2,416,323
56$3,565,135$422,351$39,689$2,570,235
57$3,848,667$362,934$0$2,738,557
58$4,158,595$298,082$0$2,926,967
59$4,497,533$227,449$0$3,137,737
60$4,868,358$150,671$0$3,368,486
61$5,274,237$67,360$0$3,621,265
62$5,718,659$0$0$3,898,338
63$6,205,465$0$0$4,209,256
64$6,738,886$0$0$4,572,747
65$7,323,580$0$0$4,971,241
66$7,964,679$0$0$5,408,241
67$8,667,834$0$0$5,887,607
68$9,439,270$0$0$6,413,593
69$10,285,842$0$0$6,990,881
70$11,215,104$0$0$7,624,630
71$12,235,374$0$0$8,320,523
72$13,355,815$0$0$9,084,819
73$14,586,524$0$0$9,924,416
74$15,938,619$0$0$10,846,908
75$17,424,353$0$0$11,860,667
76$19,057,221$0$0$12,974,911
77$20,852,093$0$0$14,199,798
78$22,825,350$0$0$15,546,520
79$24,995,039$0$0$17,027,405
80$27,381,043$0$0$18,656,037
81$30,005,269$0$0$20,447,382
82$32,891,855$0$0$22,417,930
83$36,067,393$0$0$24,585,849
84$39,561,183$0$0$26,971,156
85$43,405,510$0$0$29,595,907
86$47,635,945$0$0$32,484,404
87$52,291,681$0$0$35,663,424
88$57,415,903$0$0$39,162,471
89$63,056,196$0$0$43,014,054
90$69,264,990$0$0$47,253,994
91$76,100,059$0$0$51,921,762
92$83,625,061$0$0$57,060,850
93$91,910,142$0$0$62,719,182
94$101,032,594$0$0$68,949,564
95$111,077,585$0$0$75,810,186
96$122,138,965$0$0$83,365,166
97$134,320,148$0$0$91,685,158
98$147,735,085$0$0$100,848,016
99$162,509,346$0$0$110,939,531
100$178,781,298$0$0$122,054,239