Can I retire at age 35 with 819,000?

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 $819,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$67,632$67,030$66,442$65,868$65,308$63,600
2 years$33,481$32,858$32,253$31,667$31,099$29,390
3 years$22,099$21,473$20,870$20,290$19,731$18,074
4 years$16,409$15,785$15,188$14,618$14,072$12,480
5 years$12,996$12,376$11,787$11,228$10,697$9,175
6 years$10,721$10,106$9,525$8,979$8,464$7,013
7 years$9,097$8,487$7,916$7,382$6,884$5,504
8 years$7,880$7,275$6,713$6,193$5,711$4,401
9 years$6,933$6,334$5,782$5,275$4,809$3,569
10 years$6,177$5,583$5,041$4,547$4,098$2,925
11 years$5,558$4,970$4,438$3,957$3,524$2,417
12 years$5,043$4,461$3,938$3,471$3,054$2,011
13 years$4,607$4,031$3,519$3,064$2,663$1,682
14 years$4,234$3,664$3,162$2,720$2,335$1,413
15 years$3,911$3,348$2,855$2,426$2,055$1,191
16 years$3,628$3,071$2,588$2,172$1,817$1,007
17 years$3,380$2,829$2,355$1,952$1,611$854
18 years$3,159$2,614$2,150$1,759$1,432$725
19 years$2,961$2,422$1,968$1,589$1,277$617
20 years$2,784$2,251$1,806$1,439$1,140$526
21 years$2,623$2,097$1,661$1,306$1,020$448
22 years$2,477$1,957$1,531$1,188$915$383
23 years$2,345$1,831$1,414$1,082$821$327
24 years$2,223$1,715$1,308$987$738$280
25 years$2,112$1,610$1,211$901$664$240
26 years$2,009$1,513$1,123$824$598$205
27 years$1,914$1,424$1,043$754$539$176
28 years$1,825$1,341$970$691$487$151
29 years$1,743$1,266$902$634$439$129
30 years$1,667$1,195$840$581$397$111
31 years$1,596$1,130$783$534$359$95
32 years$1,529$1,069$731$491$325$82
33 years$1,467$1,012$683$451$294$70
34 years$1,408$960$638$415$266$60
35 years$1,353$910$596$382$241$52
36 years$1,301$864$558$352$218$44
37 years$1,252$820$522$324$198$38
38 years$1,205$780$489$299$179$33
39 years$1,161$741$458$276$163$28
40 years$1,120$705$429$254$148$24
41 years$1,080$671$403$235$134$21
42 years$1,043$639$378$216$121$18
43 years$1,007$609$354$200$110$15
44 years$973$581$333$185$100$13
45 years$941$554$312$170$91$11
46 years$910$528$293$157$82$10
47 years$880$504$276$145$75$8
48 years$852$481$259$134$68$7
49 years$825$460$243$124$62$6
50 years$800$439$229$115$56$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $819,000, adding $6,455 every year, while hoping to spend $48,329 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: 62/14/24 Blend
34$819,000$819,000$819,000$819,000
35$909,196$865,789$853,095$959,430
36$950,513$856,791$830,252$985,210
37$994,424$845,733$805,024$1,007,457
38$1,041,142$832,461$777,280$1,030,677
39$1,090,903$816,816$746,883$1,054,973
40$1,143,962$798,627$713,690$1,080,459
41$1,200,599$777,712$677,552$1,107,264
42$1,261,121$753,882$638,311$1,135,530
43$1,325,866$726,932$595,805$1,165,418
44$1,395,202$696,649$549,862$1,197,105
45$1,469,535$662,807$500,304$1,230,792
46$1,549,308$625,165$446,945$1,266,700
47$1,635,009$583,470$389,589$1,305,077
48$1,727,173$537,454$328,034$1,346,200
49$1,826,388$486,832$262,066$1,390,374
50$1,933,299$431,306$191,465$1,437,943
51$2,048,614$370,559$115,998$1,489,286
52$2,173,112$304,256$35,423$1,544,826
53$2,307,649$232,043$0$1,605,034
54$2,453,163$153,548$0$1,683,381
55$2,610,690$68,375$0$1,778,020
56$2,781,364$0$0$1,880,586
57$2,966,435$0$0$1,995,546
58$3,167,277$0$0$2,131,785
59$3,385,400$0$0$2,279,800
60$3,622,466$0$0$2,440,726
61$3,880,302$0$0$2,615,810
62$4,160,921$0$0$2,806,426
63$4,466,535$0$0$3,014,085
64$4,799,580$0$0$3,240,449
65$5,162,735$0$0$3,487,348
66$5,558,951$0$0$3,756,797
67$5,991,473$0$0$4,051,013
68$6,463,876$0$0$4,372,435
69$6,980,094$0$0$4,723,752
70$7,544,459$0$0$5,107,921
71$8,161,739$0$0$5,528,199
72$8,837,187$0$0$5,988,172
73$9,576,582$0$0$6,491,790
74$10,386,293$0$0$7,043,400
75$11,273,332$0$0$7,647,793
76$12,245,418$0$0$8,310,242
77$13,311,057$0$0$9,036,555
78$14,479,614$0$0$9,833,130
79$15,761,405$0$0$10,707,013
80$17,167,792$0$0$11,665,966
81$18,711,290$0$0$12,718,537
82$20,405,685$0$0$13,874,144
83$22,266,163$0$0$15,143,160
84$24,309,451$0$0$16,537,012
85$26,553,977$0$0$18,068,288
86$29,020,040$0$0$19,750,856
87$31,730,005$0$0$21,599,994
88$34,708,509$0$0$23,632,532
89$37,982,695$0$0$25,867,013
90$41,582,467$0$0$28,323,865
91$45,540,769$0$0$31,025,597
92$49,893,900$0$0$33,997,006
93$54,681,852$0$0$37,265,412
94$59,948,686$0$0$40,860,918
95$65,742,950$0$0$44,816,691
96$72,118,133$0$0$49,169,273
97$79,133,171$0$0$53,958,929
98$86,853,000$0$0$59,230,022
99$95,349,172$0$0$65,031,437
100$104,700,525$0$0$71,417,035