Can I retire at age 35 with 821,000?

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 $821,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$67,797$67,194$66,604$66,029$65,468$63,885
2 years$33,563$32,938$32,332$31,745$31,175$29,590
3 years$22,153$21,525$20,921$20,339$19,779$18,241
4 years$16,449$15,823$15,225$14,653$14,106$12,628
5 years$13,028$12,406$11,815$11,255$10,723$9,308
6 years$10,748$10,130$9,549$9,001$8,485$7,134
7 years$9,120$8,507$7,935$7,400$6,901$5,614
8 years$7,899$7,292$6,729$6,208$5,725$4,503
9 years$6,950$6,349$5,796$5,288$4,821$3,662
10 years$6,192$5,597$5,053$4,558$4,108$3,011
11 years$5,571$4,982$4,449$3,967$3,533$2,496
12 years$5,055$4,472$3,948$3,479$3,061$2,084
13 years$4,618$4,041$3,527$3,072$2,670$1,749
14 years$4,244$3,673$3,169$2,727$2,340$1,474
15 years$3,920$3,356$2,862$2,432$2,061$1,247
16 years$3,637$3,079$2,594$2,177$1,821$1,058
17 years$3,388$2,835$2,361$1,956$1,615$900
18 years$3,166$2,620$2,155$1,763$1,436$767
19 years$2,968$2,428$1,973$1,593$1,280$655
20 years$2,790$2,256$1,811$1,443$1,143$560
21 years$2,630$2,102$1,665$1,310$1,023$480
22 years$2,484$1,962$1,535$1,191$917$411
23 years$2,350$1,835$1,417$1,084$823$353
24 years$2,229$1,719$1,311$989$740$303
25 years$2,117$1,613$1,214$903$666$260
26 years$2,014$1,516$1,126$826$600$224
27 years$1,918$1,427$1,045$756$541$193
28 years$1,830$1,345$972$693$488$166
29 years$1,748$1,269$904$635$440$143
30 years$1,671$1,198$842$583$398$123
31 years$1,600$1,133$785$535$360$106
32 years$1,533$1,072$733$492$325$91
33 years$1,470$1,015$684$452$295$79
34 years$1,411$962$639$416$267$68
35 years$1,356$912$598$383$242$58
36 years$1,304$866$559$353$219$50
37 years$1,255$822$523$325$198$43
38 years$1,208$782$490$300$180$37
39 years$1,164$743$459$276$163$32
40 years$1,122$707$430$255$148$28
41 years$1,083$673$404$235$134$24
42 years$1,045$641$379$217$122$21
43 years$1,009$611$355$200$111$18
44 years$975$582$333$185$100$15
45 years$943$555$313$171$91$13
46 years$912$530$294$158$83$11
47 years$883$505$276$146$75$10
48 years$854$482$260$135$68$9
49 years$827$461$244$125$62$7
50 years$802$440$229$115$56$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $821,000, adding $4,544 every year, while hoping to spend $34,059 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: 76/17/7 Blend
34$821,000$821,000$821,000$821,000
35$909,429$865,916$853,191$977,395
36$965,952$872,108$845,534$1,028,894
37$1,027,100$877,461$836,479$1,080,506
38$1,093,306$881,899$825,944$1,136,088
39$1,165,051$885,340$813,841$1,196,021
40$1,242,862$887,697$800,080$1,260,724
41$1,327,316$888,877$784,565$1,330,659
42$1,419,053$888,781$767,198$1,406,334
43$1,518,771$887,307$747,874$1,488,310
44$1,627,242$884,341$726,484$1,577,206
45$1,745,314$879,767$702,915$1,673,702
46$1,873,921$873,461$677,048$1,778,550
47$2,014,089$865,288$648,757$1,892,576
48$2,166,948$855,110$617,912$2,016,694
49$2,333,743$842,776$584,379$2,151,909
50$2,515,843$828,130$548,013$2,299,329
51$2,714,754$811,004$508,667$2,460,176
52$2,932,137$791,221$466,185$2,635,798
53$3,169,818$768,594$420,405$2,827,679
54$3,429,808$742,924$371,158$3,037,456
55$3,714,323$714,001$318,266$3,266,934
56$4,025,800$681,604$261,544$3,518,103
57$4,366,926$645,496$200,799$3,793,156
58$4,740,656$605,429$135,830$4,094,510
59$5,150,249$561,141$66,427$4,424,833
60$5,599,291$512,353$0$4,787,062
61$6,091,732$458,772$0$5,185,007
62$6,631,923$400,087$0$5,627,002
63$7,224,657$335,969$0$6,112,035
64$7,875,213$266,072$0$6,644,466
65$8,589,405$190,030$0$7,229,098
66$9,373,639$107,456$0$7,871,229
67$10,234,970$17,941$0$8,576,694
68$11,181,171$0$0$9,351,926
69$12,220,805$0$0$10,218,784
70$13,363,306$0$0$11,175,134
71$14,619,065$0$0$12,226,325
72$15,999,531$0$0$13,381,944
73$17,517,318$0$0$14,652,555
74$19,186,324$0$0$16,049,796
75$21,021,858$0$0$17,586,490
76$23,040,791$0$0$19,276,765
77$25,261,708$0$0$21,136,186
78$27,705,088$0$0$23,181,904
79$30,393,493$0$0$25,432,815
80$33,351,783$0$0$27,909,738
81$36,607,351$0$0$30,635,615
82$40,190,378$0$0$33,635,723
83$44,134,119$0$0$36,937,913
84$48,475,219$0$0$40,572,874
85$53,254,052$0$0$44,574,421
86$58,515,109$0$0$48,979,813
87$64,307,411$0$0$53,830,108
88$70,684,977$0$0$59,170,545
89$77,707,328$0$0$65,050,974
90$85,440,052$0$0$71,526,325
91$93,955,421$0$0$78,657,127
92$103,333,073$0$0$86,510,077
93$113,660,763$0$0$95,158,671
94$125,035,190$0$0$104,683,894
95$137,562,912$0$0$115,174,991
96$151,361,346$0$0$126,730,299
97$166,559,881$0$0$139,458,184
98$183,301,097$0$0$153,478,057
99$201,742,108$0$0$168,921,504
100$222,056,047$0$0$185,933,526