Can I retire at age 35 with 820,000?

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 $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%13%
1 years$67,715$67,112$66,523$65,949$65,388$64,571
2 years$33,522$32,898$32,293$31,706$31,137$30,315
3 years$22,126$21,499$20,896$20,314$19,755$18,953
4 years$16,429$15,804$15,207$14,635$14,089$13,314
5 years$13,012$12,391$11,801$11,241$10,710$9,964
6 years$10,735$10,118$9,537$8,990$8,475$7,758
7 years$9,108$8,497$7,925$7,391$6,892$6,206
8 years$7,889$7,283$6,721$6,200$5,718$5,061
9 years$6,942$6,342$5,789$5,281$4,815$4,189
10 years$6,184$5,590$5,047$4,552$4,103$3,506
11 years$5,565$4,976$4,443$3,962$3,529$2,960
12 years$5,049$4,466$3,943$3,475$3,058$2,517
13 years$4,613$4,036$3,523$3,068$2,666$2,153
14 years$4,239$3,669$3,165$2,723$2,337$1,851
15 years$3,916$3,352$2,858$2,429$2,058$1,598
16 years$3,633$3,075$2,591$2,175$1,819$1,384
17 years$3,384$2,832$2,358$1,954$1,613$1,202
18 years$3,162$2,617$2,152$1,761$1,434$1,046
19 years$2,965$2,425$1,970$1,591$1,278$913
20 years$2,787$2,254$1,808$1,441$1,142$798
21 years$2,626$2,099$1,663$1,308$1,022$698
22 years$2,480$1,960$1,533$1,189$916$612
23 years$2,348$1,833$1,416$1,083$822$537
24 years$2,226$1,717$1,309$988$739$472
25 years$2,114$1,611$1,212$902$665$415
26 years$2,011$1,515$1,125$825$599$365
27 years$1,916$1,425$1,044$755$540$322
28 years$1,828$1,343$971$692$487$283
29 years$1,746$1,267$903$634$440$250
30 years$1,669$1,197$841$582$398$220
31 years$1,598$1,131$784$535$359$194
32 years$1,531$1,070$732$491$325$171
33 years$1,468$1,014$683$452$294$151
34 years$1,410$961$639$416$266$134
35 years$1,354$911$597$383$241$118
36 years$1,302$865$558$352$219$104
37 years$1,253$821$523$325$198$92
38 years$1,207$781$489$299$180$82
39 years$1,163$742$459$276$163$72
40 years$1,121$706$430$255$148$64
41 years$1,082$672$403$235$134$56
42 years$1,044$640$378$217$122$50
43 years$1,008$610$355$200$110$44
44 years$974$581$333$185$100$39
45 years$942$555$313$171$91$34
46 years$911$529$294$158$83$30
47 years$882$505$276$146$75$27
48 years$853$482$259$135$68$24
49 years$826$460$244$124$62$21
50 years$801$440$229$115$56$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $820,000, adding $5,992 every year, while hoping to spend $21,145 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: 50/44/6 Blend
34$820,000$820,000$820,000$820,000
35$909,821$866,361$853,651$953,663
36$980,124$886,314$859,750$1,004,127
37$1,056,890$906,537$865,345$1,056,158
38$1,140,755$927,019$870,396$1,112,189
39$1,232,420$947,751$874,862$1,172,599
40$1,332,658$968,722$878,701$1,237,805
41$1,442,317$989,917$881,865$1,308,266
42$1,562,334$1,011,323$884,308$1,384,489
43$1,693,738$1,032,925$885,979$1,467,031
44$1,837,666$1,054,705$886,826$1,556,506
45$1,995,366$1,076,643$886,793$1,653,590
46$2,168,215$1,098,720$885,821$1,759,029
47$2,357,727$1,120,912$883,851$1,873,643
48$2,565,573$1,143,195$880,818$1,998,338
49$2,793,592$1,165,541$876,655$2,134,108
50$3,043,807$1,187,922$871,292$2,282,054
51$3,318,451$1,210,305$864,656$2,443,384
52$3,619,979$1,232,657$856,669$2,619,431
53$3,951,100$1,254,940$847,250$2,811,666
54$4,314,794$1,277,114$836,314$3,021,708
55$4,714,346$1,299,136$823,774$3,251,340
56$5,153,375$1,320,959$809,537$3,502,531
57$5,635,868$1,342,534$793,504$3,777,446
58$6,166,215$1,363,807$775,575$4,078,476
59$6,749,256$1,384,720$755,644$4,408,253
60$7,390,320$1,405,212$733,598$4,769,678
61$8,095,281$1,425,216$709,322$5,165,951
62$8,870,610$1,444,661$682,694$5,600,595
63$9,723,435$1,463,472$653,587$6,077,498
64$10,661,610$1,481,568$621,868$6,600,940
65$11,693,791$1,498,861$587,397$7,175,641
66$12,829,512$1,515,259$550,029$7,806,805
67$14,079,279$1,530,664$509,612$8,500,165
68$15,454,669$1,544,971$465,988$9,262,042
69$16,968,438$1,558,066$418,990$10,099,400
70$18,634,638$1,569,831$368,446$11,019,920
71$20,468,756$1,580,138$314,174$12,032,063
72$22,487,857$1,588,852$255,986$13,145,157
73$24,710,741$1,595,828$193,684$14,369,484
74$27,158,126$1,600,914$127,063$15,716,376
75$29,852,842$1,603,946$55,906$17,198,323
76$32,820,043$1,604,751$0$18,829,092
77$36,087,449$1,603,145$0$20,625,139
78$39,685,602$1,598,932$0$22,605,810
79$43,648,160$1,591,906$0$24,785,969
80$48,012,210$1,581,847$0$27,185,951
81$52,818,618$1,568,521$0$29,828,166
82$58,112,419$1,551,680$0$32,737,313
83$63,943,236$1,531,063$0$35,940,615
84$70,365,752$1,506,391$0$39,468,072
85$77,440,225$1,477,370$0$43,352,750
86$85,233,054$1,443,687$0$47,631,093
87$93,817,411$1,405,013$0$52,343,265
88$103,273,925$1,360,997$0$57,533,532
89$113,691,448$1,311,269$0$63,250,679
90$125,167,892$1,255,437$0$69,548,476
91$137,811,151$1,193,087$0$76,486,181
92$151,740,120$1,123,780$0$84,129,103
93$167,085,819$1,047,052$0$92,549,219
94$183,992,628$962,413$0$101,825,857
95$202,619,649$869,345$0$112,046,443
96$223,142,210$767,299$0$123,307,329
97$245,753,515$655,696$0$135,714,704
98$270,666,473$533,925$0$149,385,598
99$298,115,706$401,340$0$164,448,990
100$328,359,759$257,257$0$181,047,024