Can I retire at age 35 with 821,000?

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 $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%17.2%
1 years$67,797$67,194$66,604$66,029$65,468$63,550
2 years$33,563$32,938$32,332$31,745$31,175$29,259
3 years$22,153$21,525$20,921$20,339$19,779$17,924
4 years$16,449$15,823$15,225$14,653$14,106$12,327
5 years$13,028$12,406$11,815$11,255$10,723$9,024
6 years$10,748$10,130$9,549$9,001$8,485$6,868
7 years$9,120$8,507$7,935$7,400$6,901$5,365
8 years$7,899$7,292$6,729$6,208$5,725$4,270
9 years$6,950$6,349$5,796$5,288$4,821$3,446
10 years$6,192$5,597$5,053$4,558$4,108$2,810
11 years$5,571$4,982$4,449$3,967$3,533$2,311
12 years$5,055$4,472$3,948$3,479$3,061$1,912
13 years$4,618$4,041$3,527$3,072$2,670$1,591
14 years$4,244$3,673$3,169$2,727$2,340$1,329
15 years$3,920$3,356$2,862$2,432$2,061$1,114
16 years$3,637$3,079$2,594$2,177$1,821$936
17 years$3,388$2,835$2,361$1,956$1,615$789
18 years$3,166$2,620$2,155$1,763$1,436$666
19 years$2,968$2,428$1,973$1,593$1,280$563
20 years$2,790$2,256$1,811$1,443$1,143$477
21 years$2,630$2,102$1,665$1,310$1,023$405
22 years$2,484$1,962$1,535$1,191$917$343
23 years$2,350$1,835$1,417$1,084$823$292
24 years$2,229$1,719$1,311$989$740$248
25 years$2,117$1,613$1,214$903$666$211
26 years$2,014$1,516$1,126$826$600$179
27 years$1,918$1,427$1,045$756$541$153
28 years$1,830$1,345$972$693$488$130
29 years$1,748$1,269$904$635$440$111
30 years$1,671$1,198$842$583$398$94
31 years$1,600$1,133$785$535$360$80
32 years$1,533$1,072$733$492$325$68
33 years$1,470$1,015$684$452$295$58
34 years$1,411$962$639$416$267$50
35 years$1,356$912$598$383$242$42
36 years$1,304$866$559$353$219$36
37 years$1,255$822$523$325$198$31
38 years$1,208$782$490$300$180$26
39 years$1,164$743$459$276$163$22
40 years$1,122$707$430$255$148$19
41 years$1,083$673$404$235$134$16
42 years$1,045$641$379$217$122$14
43 years$1,009$611$355$200$111$12
44 years$975$582$333$185$100$10
45 years$943$555$313$171$91$9
46 years$912$530$294$158$83$7
47 years$883$505$276$146$75$6
48 years$854$482$260$135$68$5
49 years$827$461$244$125$62$5
50 years$802$440$229$115$56$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $821,000, adding $3,835 every year, while hoping to spend $42,943 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: 67/11/22 Blend
34$821,000$821,000$821,000$821,000
35$908,698$865,185$852,459$964,264
36$955,694$861,888$835,326$998,714
37$1,006,044$856,990$816,179$1,031,088
38$1,060,046$850,368$794,906$1,065,479
39$1,118,025$841,889$771,389$1,102,085
40$1,180,337$831,416$745,505$1,141,128
41$1,247,376$818,800$717,124$1,182,849
42$1,319,573$803,886$686,112$1,227,518
43$1,397,400$786,506$652,327$1,275,435
44$1,481,377$766,487$615,622$1,326,928
45$1,572,075$743,643$575,843$1,382,363
46$1,670,121$717,776$532,829$1,442,144
47$1,776,206$688,680$486,411$1,506,718
48$1,891,087$656,133$436,413$1,576,580
49$2,015,598$619,903$382,653$1,652,276
50$2,150,654$579,744$324,938$1,734,412
51$2,297,265$535,396$263,067$1,823,656
52$2,456,538$486,582$196,832$1,920,747
53$2,629,693$433,013$126,014$2,026,503
54$2,818,071$374,380$50,385$2,141,826
55$3,023,149$310,359$0$2,267,716
56$3,246,550$240,606$0$2,412,394
57$3,490,061$164,760$0$2,583,045
58$3,755,651$82,436$0$2,769,237
59$4,045,483$0$0$2,972,522
60$4,361,940$0$0$3,195,428
61$4,707,647$0$0$3,449,884
62$5,085,490$0$0$3,728,043
63$5,498,650$0$0$4,032,252
64$5,950,627$0$0$4,365,095
65$6,445,276$0$0$4,729,416
66$6,986,841$0$0$5,128,350
67$7,579,996$0$0$5,565,345
68$8,229,888$0$0$6,044,202
69$8,942,187$0$0$6,569,105
70$9,723,135$0$0$7,144,662
71$10,579,609$0$0$7,775,949
72$11,519,181$0$0$8,468,558
73$12,550,194$0$0$9,228,646
74$13,681,836$0$0$10,062,996
75$14,924,228$0$0$10,979,080
76$16,288,520$0$0$11,985,129
77$17,786,994$0$0$13,090,210
78$19,433,178$0$0$14,304,311
79$21,241,979$0$0$15,638,435
80$23,229,816$0$0$17,104,706
81$25,414,778$0$0$18,716,477
82$27,816,796$0$0$20,488,462
83$30,457,825$0$0$22,436,871
84$33,362,056$0$0$24,579,563
85$36,556,142$0$0$26,936,215
86$40,069,445$0$0$29,528,506
87$43,934,319$0$0$32,380,322
88$48,186,411$0$0$35,517,980
89$52,864,996$0$0$38,970,477
90$58,013,350$0$0$42,769,764
91$63,679,153$0$0$46,951,043
92$69,914,944$0$0$51,553,104
93$76,778,613$0$0$56,618,686
94$84,333,944$0$0$62,194,883
95$92,651,222$0$0$68,333,587
96$101,807,892$0$0$75,091,975
97$111,889,289$0$0$82,533,053
98$122,989,444$0$0$90,726,244
99$135,211,969$0$0$99,748,047
100$148,671,036$0$0$109,682,757