Can I retire at age 35 with 820,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $820,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$67,715$67,112$66,523$65,949$65,388$63,043
2 years$33,522$32,898$32,293$31,706$31,137$28,800
3 years$22,126$21,499$20,896$20,314$19,755$17,499
4 years$16,429$15,804$15,207$14,635$14,089$11,932
5 years$13,012$12,391$11,801$11,241$10,710$8,657
6 years$10,735$10,118$9,537$8,990$8,475$6,527
7 years$9,108$8,497$7,925$7,391$6,892$5,050
8 years$7,889$7,283$6,721$6,200$5,718$3,979
9 years$6,942$6,342$5,789$5,281$4,815$3,178
10 years$6,184$5,590$5,047$4,552$4,103$2,564
11 years$5,565$4,976$4,443$3,962$3,529$2,085
12 years$5,049$4,466$3,943$3,475$3,058$1,706
13 years$4,613$4,036$3,523$3,068$2,666$1,403
14 years$4,239$3,669$3,165$2,723$2,337$1,158
15 years$3,916$3,352$2,858$2,429$2,058$959
16 years$3,633$3,075$2,591$2,175$1,819$797
17 years$3,384$2,832$2,358$1,954$1,613$663
18 years$3,162$2,617$2,152$1,761$1,434$553
19 years$2,965$2,425$1,970$1,591$1,278$461
20 years$2,787$2,254$1,808$1,441$1,142$386
21 years$2,626$2,099$1,663$1,308$1,022$323
22 years$2,480$1,960$1,533$1,189$916$270
23 years$2,348$1,833$1,416$1,083$822$227
24 years$2,226$1,717$1,309$988$739$190
25 years$2,114$1,611$1,212$902$665$159
26 years$2,011$1,515$1,125$825$599$134
27 years$1,916$1,425$1,044$755$540$112
28 years$1,828$1,343$971$692$487$94
29 years$1,746$1,267$903$634$440$79
30 years$1,669$1,197$841$582$398$67
31 years$1,598$1,131$784$535$359$56
32 years$1,531$1,070$732$491$325$47
33 years$1,468$1,014$683$452$294$39
34 years$1,410$961$639$416$266$33
35 years$1,354$911$597$383$241$28
36 years$1,302$865$558$352$219$23
37 years$1,253$821$523$325$198$20
38 years$1,207$781$489$299$180$17
39 years$1,163$742$459$276$163$14
40 years$1,121$706$430$255$148$12
41 years$1,082$672$403$235$134$10
42 years$1,044$640$378$217$122$8
43 years$1,008$610$355$200$110$7
44 years$974$581$333$185$100$6
45 years$942$555$313$171$91$5
46 years$911$529$294$158$83$4
47 years$882$505$276$146$75$3
48 years$853$482$259$135$68$3
49 years$826$460$244$124$62$2
50 years$801$440$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 $820,000, adding $2,845 every year, while hoping to spend $22,663 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: 71/8/21 Blend
34$820,000$820,000$820,000$820,000
35$906,575$863,115$850,405$966,078
36$974,932$881,294$854,780$1,024,292
37$1,049,502$899,605$858,542$1,085,054
38$1,130,895$918,029$861,647$1,151,023
39$1,219,782$936,548$864,048$1,222,712
40$1,316,902$955,141$865,695$1,300,688
41$1,423,068$973,784$866,538$1,385,573
42$1,539,175$992,455$866,522$1,478,056
43$1,666,211$1,011,125$865,591$1,578,892
44$1,805,261$1,029,767$863,684$1,688,917
45$1,957,521$1,048,348$860,741$1,809,049
46$2,124,307$1,066,836$856,694$1,940,303
47$2,307,069$1,085,194$851,476$2,083,794
48$2,507,405$1,103,383$845,015$2,240,754
49$2,727,073$1,121,361$837,236$2,412,539
50$2,968,010$1,139,084$828,059$2,600,644
51$3,232,350$1,156,502$817,403$2,806,715
52$3,522,443$1,173,565$805,179$3,032,570
53$3,840,879$1,190,215$791,299$3,280,209
54$4,190,508$1,206,395$775,667$3,551,838
55$4,574,471$1,222,041$758,183$3,849,888
56$4,996,230$1,237,083$738,745$4,177,038
57$5,459,596$1,251,450$717,243$4,536,242
58$5,968,768$1,265,065$693,564$4,930,753
59$6,528,373$1,277,844$667,589$5,364,159
60$7,143,507$1,289,698$639,194$5,840,414
61$7,819,787$1,300,535$608,249$6,363,875
62$8,563,397$1,310,254$574,617$6,939,345
63$9,381,155$1,318,747$538,158$7,572,116
64$10,280,569$1,325,902$498,722$8,268,023
65$11,269,913$1,331,597$456,156$9,033,496
66$12,358,303$1,335,704$410,296$9,875,622
67$13,555,783$1,338,087$360,974$10,802,210
68$14,873,419$1,338,600$308,013$11,821,869
69$16,323,405$1,337,088$251,228$12,944,087
70$17,919,176$1,333,389$190,428$14,179,320
71$19,675,535$1,327,328$125,411$15,539,092
72$21,608,793$1,318,722$55,966$17,036,106
73$23,736,924$1,307,373$0$18,684,359
74$26,079,732$1,293,076$0$20,503,346
75$28,659,038$1,275,610$0$22,519,650
76$31,498,887$1,254,742$0$24,739,513
77$34,625,774$1,230,225$0$27,183,644
78$38,068,895$1,201,798$0$29,874,863
79$41,860,420$1,169,183$0$32,838,317
80$46,035,798$1,132,088$0$36,101,718
81$50,634,091$1,090,203$0$39,695,603
82$55,698,344$1,043,198$0$43,653,621
83$61,275,987$990,727$0$48,012,854
84$67,419,286$932,421$0$52,814,165
85$74,185,837$867,893$0$58,102,584
86$81,639,103$796,731$0$63,927,733
87$89,849,022$718,501$0$70,344,294
88$98,892,658$632,743$0$77,412,525
89$108,854,935$538,973$0$85,198,831
90$119,829,434$436,678$0$93,776,389
91$131,919,277$325,317$0$103,225,837
92$145,238,102$204,316$0$113,636,039
93$159,911,134$73,074$0$125,104,922
94$176,076,366$0$0$137,740,401
95$193,885,862$0$0$151,667,475
96$213,507,192$0$0$167,018,566
97$235,125,014$0$0$183,931,720
98$258,942,817$0$0$202,566,149
99$285,184,840$0$0$223,097,303
100$314,098,190$0$0$245,718,520