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%18.5%
1 years$67,797$67,194$66,604$66,029$65,468$63,220
2 years$33,563$32,938$32,332$31,745$31,175$28,934
3 years$22,153$21,525$20,921$20,339$19,779$17,614
4 years$16,449$15,823$15,225$14,653$14,106$12,035
5 years$13,028$12,406$11,815$11,255$10,723$8,750
6 years$10,748$10,130$9,549$9,001$8,485$6,612
7 years$9,120$8,507$7,935$7,400$6,901$5,127
8 years$7,899$7,292$6,729$6,208$5,725$4,050
9 years$6,950$6,349$5,796$5,288$4,821$3,242
10 years$6,192$5,597$5,053$4,558$4,108$2,622
11 years$5,571$4,982$4,449$3,967$3,533$2,138
12 years$5,055$4,472$3,948$3,479$3,061$1,754
13 years$4,618$4,041$3,527$3,072$2,670$1,447
14 years$4,244$3,673$3,169$2,727$2,340$1,198
15 years$3,920$3,356$2,862$2,432$2,061$995
16 years$3,637$3,079$2,594$2,177$1,821$828
17 years$3,388$2,835$2,361$1,956$1,615$691
18 years$3,166$2,620$2,155$1,763$1,436$578
19 years$2,968$2,428$1,973$1,593$1,280$484
20 years$2,790$2,256$1,811$1,443$1,143$406
21 years$2,630$2,102$1,665$1,310$1,023$341
22 years$2,484$1,962$1,535$1,191$917$286
23 years$2,350$1,835$1,417$1,084$823$241
24 years$2,229$1,719$1,311$989$740$202
25 years$2,117$1,613$1,214$903$666$170
26 years$2,014$1,516$1,126$826$600$143
27 years$1,918$1,427$1,045$756$541$121
28 years$1,830$1,345$972$693$488$102
29 years$1,748$1,269$904$635$440$86
30 years$1,671$1,198$842$583$398$72
31 years$1,600$1,133$785$535$360$61
32 years$1,533$1,072$733$492$325$51
33 years$1,470$1,015$684$452$295$43
34 years$1,411$962$639$416$267$37
35 years$1,356$912$598$383$242$31
36 years$1,304$866$559$353$219$26
37 years$1,255$822$523$325$198$22
38 years$1,208$782$490$300$180$19
39 years$1,164$743$459$276$163$16
40 years$1,122$707$430$255$148$13
41 years$1,083$673$404$235$134$11
42 years$1,045$641$379$217$122$9
43 years$1,009$611$355$200$111$8
44 years$975$582$333$185$100$7
45 years$943$555$313$171$91$6
46 years$912$530$294$158$83$5
47 years$883$505$276$146$75$4
48 years$854$482$260$135$68$3
49 years$827$461$244$125$62$3
50 years$802$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 $821,000, adding $3,208 every year, while hoping to spend $26,465 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: 51/43/6 Blend
34$821,000$821,000$821,000$821,000
35$908,051$864,538$851,813$952,882
36$972,514$878,742$852,190$997,905
37$1,042,665$892,755$851,693$1,043,688
38$1,119,056$906,539$850,264$1,092,819
39$1,202,295$920,055$847,843$1,145,619
40$1,293,052$933,260$844,368$1,202,440
41$1,392,061$946,108$839,773$1,263,671
42$1,500,134$958,550$833,988$1,329,741
43$1,618,161$970,533$826,940$1,401,123
44$1,747,126$982,001$818,554$1,478,339
45$1,888,108$992,894$808,751$1,561,965
46$2,042,297$1,003,148$797,447$1,652,635
47$2,211,004$1,012,695$784,554$1,751,050
48$2,395,672$1,021,463$769,982$1,857,982
49$2,597,889$1,029,373$753,635$1,974,283
50$2,819,405$1,036,343$735,413$2,100,893
51$3,062,146$1,042,286$715,211$2,238,849
52$3,328,234$1,047,107$692,920$2,389,294
53$3,620,006$1,050,708$668,425$2,553,491
54$3,940,037$1,052,982$641,607$2,732,830
55$4,291,160$1,053,818$612,340$2,928,847
56$4,676,499$1,053,096$580,494$3,143,234
57$5,099,493$1,050,688$545,932$3,377,860
58$5,563,931$1,046,462$508,511$3,634,785
59$6,073,987$1,040,274$468,081$3,916,280
60$6,634,259$1,031,972$424,487$4,224,852
61$7,249,811$1,021,397$377,565$4,563,265
62$7,926,224$1,008,377$327,145$4,934,567
63$8,669,644$992,733$273,049$5,342,122
64$9,486,843$974,272$215,093$5,789,638
65$10,385,283$952,794$153,080$6,281,204
66$11,373,184$928,083$86,810$6,821,332
67$12,459,602$899,911$16,071$7,414,996
68$13,654,514$868,040$0$8,067,681
69$14,968,914$832,214$0$8,789,241
70$16,414,915$792,164$0$9,583,890
71$18,005,862$747,605$0$10,457,968
72$19,756,459$698,237$0$11,419,604
73$21,682,907$643,741$0$12,477,761
74$23,803,060$583,780$0$13,642,319
75$26,136,585$517,998$0$14,924,173
76$28,705,157$446,021$0$16,335,333
77$31,532,657$367,449$0$17,889,043
78$34,645,398$281,864$0$19,599,903
79$38,072,375$188,822$0$21,484,007
80$41,845,538$87,855$0$23,559,101
81$46,000,092$0$0$25,844,748
82$50,574,829$0$0$28,372,703
83$55,612,496$0$0$31,202,354
84$61,160,193$0$0$34,318,602
85$67,269,826$0$0$37,750,616
86$73,998,587$0$0$41,530,539
87$81,409,499$0$0$45,693,788
88$89,572,011$0$0$50,279,394
89$98,562,649$0$0$55,330,364
90$108,465,743$0$0$60,894,090
91$119,374,218$0$0$67,022,798
92$131,390,474$0$0$73,774,035
93$144,627,351$0$0$81,211,218
94$159,209,193$0$0$89,404,229
95$175,273,023$0$0$98,430,076
96$192,969,836$0$0$108,373,617
97$212,466,021$0$0$119,328,365
98$233,944,934$0$0$131,397,368
99$257,608,629$0$0$144,694,180
100$283,679,763$0$0$159,343,938