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%13.5%
1 years$67,797$67,194$66,604$66,029$65,468$64,516
2 years$33,563$32,938$32,332$31,745$31,175$30,218
3 years$22,153$21,525$20,921$20,339$19,779$18,847
4 years$16,449$15,823$15,225$14,653$14,106$13,206
5 years$13,028$12,406$11,815$11,255$10,723$9,857
6 years$10,748$10,130$9,549$9,001$8,485$7,655
7 years$9,120$8,507$7,935$7,400$6,901$6,106
8 years$7,899$7,292$6,729$6,208$5,725$4,966
9 years$6,950$6,349$5,796$5,288$4,821$4,097
10 years$6,192$5,597$5,053$4,558$4,108$3,419
11 years$5,571$4,982$4,449$3,967$3,533$2,878
12 years$5,055$4,472$3,948$3,479$3,061$2,439
13 years$4,618$4,041$3,527$3,072$2,670$2,080
14 years$4,244$3,673$3,169$2,727$2,340$1,782
15 years$3,920$3,356$2,862$2,432$2,061$1,533
16 years$3,637$3,079$2,594$2,177$1,821$1,323
17 years$3,388$2,835$2,361$1,956$1,615$1,145
18 years$3,166$2,620$2,155$1,763$1,436$993
19 years$2,968$2,428$1,973$1,593$1,280$863
20 years$2,790$2,256$1,811$1,443$1,143$752
21 years$2,630$2,102$1,665$1,310$1,023$656
22 years$2,484$1,962$1,535$1,191$917$572
23 years$2,350$1,835$1,417$1,084$823$500
24 years$2,229$1,719$1,311$989$740$438
25 years$2,117$1,613$1,214$903$666$384
26 years$2,014$1,516$1,126$826$600$336
27 years$1,918$1,427$1,045$756$541$295
28 years$1,830$1,345$972$693$488$259
29 years$1,748$1,269$904$635$440$227
30 years$1,671$1,198$842$583$398$200
31 years$1,600$1,133$785$535$360$175
32 years$1,533$1,072$733$492$325$154
33 years$1,470$1,015$684$452$295$135
34 years$1,411$962$639$416$267$119
35 years$1,356$912$598$383$242$105
36 years$1,304$866$559$353$219$92
37 years$1,255$822$523$325$198$81
38 years$1,208$782$490$300$180$71
39 years$1,164$743$459$276$163$63
40 years$1,122$707$430$255$148$55
41 years$1,083$673$404$235$134$49
42 years$1,045$641$379$217$122$43
43 years$1,009$611$355$200$111$38
44 years$975$582$333$185$100$33
45 years$943$555$313$171$91$29
46 years$912$530$294$158$83$26
47 years$883$505$276$146$75$23
48 years$854$482$260$135$68$20
49 years$827$461$244$125$62$18
50 years$802$440$229$115$56$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $821,000, adding $6,773 every year, while hoping to spend $21,949 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: 20/50/30 Blend
34$821,000$821,000$821,000$821,000
35$911,728$868,215$855,490$921,185
36$981,371$887,404$860,795$949,911
37$1,057,382$906,798$865,543$978,348
38$1,140,387$926,383$869,690$1,008,242
39$1,231,075$946,145$873,194$1,039,724
40$1,330,207$966,068$876,008$1,072,939
41$1,438,617$986,135$878,083$1,108,047
42$1,557,226$1,006,325$879,369$1,145,224
43$1,687,047$1,026,619$879,812$1,184,667
44$1,829,196$1,046,993$879,356$1,226,592
45$1,984,901$1,067,423$877,941$1,271,238
46$2,155,516$1,087,882$875,507$1,318,871
47$2,342,530$1,108,339$871,988$1,369,783
48$2,547,585$1,128,765$867,317$1,424,298
49$2,772,488$1,149,124$861,421$1,482,776
50$3,019,230$1,169,380$854,228$1,545,612
51$3,290,005$1,189,492$845,657$1,613,245
52$3,587,227$1,209,419$835,628$1,686,159
53$3,913,557$1,229,114$824,055$1,764,891
54$4,271,927$1,248,527$810,848$1,850,031
55$4,665,565$1,267,606$795,912$1,942,236
56$5,098,028$1,286,294$779,151$2,042,228
57$5,573,234$1,304,530$760,460$2,150,809
58$6,095,500$1,322,248$739,731$2,268,860
59$6,669,582$1,339,379$716,853$2,397,360
60$7,300,719$1,355,849$691,708$2,537,386
61$7,994,684$1,371,576$664,171$2,690,133
62$8,757,835$1,386,477$634,114$2,856,916
63$9,597,181$1,400,461$601,403$3,039,190
64$10,520,440$1,413,430$565,897$3,238,563
65$11,536,118$1,425,282$527,448$3,456,810
66$12,653,587$1,435,906$485,903$3,695,891
67$13,883,173$1,445,185$441,100$3,957,970
68$15,236,253$1,452,995$392,873$4,245,438
69$16,725,362$1,459,203$341,046$4,560,934
70$18,364,313$1,463,668$285,435$4,907,371
71$20,168,325$1,466,240$225,850$5,287,966
72$22,154,169$1,466,760$162,090$5,706,270
73$24,340,321$1,465,059$93,948$6,166,202
74$26,747,144$1,460,957$21,205$6,672,087
75$29,397,072$1,454,264$0$7,228,702
76$32,314,828$1,444,776$0$7,859,375
77$35,527,650$1,432,281$0$8,560,278
78$39,065,557$1,416,549$0$9,331,112
79$42,961,624$1,397,340$0$10,179,040
80$47,252,299$1,374,399$0$11,111,960
81$51,977,743$1,347,454$0$12,138,580
82$57,182,212$1,316,218$0$13,268,505
83$62,914,473$1,280,388$0$14,512,321
84$69,228,264$1,239,642$0$15,881,703
85$76,182,802$1,193,640$0$17,389,523
86$83,843,341$1,142,022$0$19,049,975
87$92,281,787$1,084,405$0$20,878,703
88$101,577,376$1,020,388$0$22,892,962
89$111,817,425$949,544$0$25,111,769
90$123,098,153$871,422$0$27,556,095
91$135,525,588$785,545$0$30,249,058
92$149,216,571$691,411$0$33,216,144
93$164,299,858$588,485$0$36,485,450
94$180,917,329$476,208$0$40,087,952
95$199,225,338$353,983$0$44,057,797
96$219,396,179$221,185$0$48,432,628
97$241,619,716$77,150$0$53,253,942
98$266,105,176$0$0$58,567,486
99$293,083,120$0$0$64,467,054
100$322,807,623$0$0$71,014,288