Can I retire at age 35 with 822,000?

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 $822,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$67,880$67,275$66,685$66,110$65,547$64,809
2 years$33,604$32,978$32,372$31,783$31,213$30,470
3 years$22,180$21,552$20,947$20,364$19,803$19,078
4 years$16,469$15,843$15,244$14,671$14,124$13,422
5 years$13,044$12,421$11,830$11,269$10,737$10,061
6 years$10,761$10,143$9,560$9,012$8,495$7,846
7 years$9,131$8,518$7,945$7,409$6,909$6,287
8 years$7,909$7,301$6,738$6,215$5,732$5,136
9 years$6,959$6,357$5,803$5,294$4,827$4,258
10 years$6,199$5,603$5,059$4,564$4,113$3,570
11 years$5,578$4,988$4,454$3,972$3,537$3,020
12 years$5,061$4,477$3,953$3,484$3,065$2,573
13 years$4,624$4,046$3,532$3,076$2,673$2,206
14 years$4,249$3,678$3,173$2,730$2,343$1,900
15 years$3,925$3,360$2,865$2,435$2,063$1,643
16 years$3,642$3,083$2,598$2,180$1,823$1,426
17 years$3,392$2,839$2,364$1,959$1,617$1,241
18 years$3,170$2,623$2,158$1,765$1,437$1,083
19 years$2,972$2,431$1,975$1,595$1,281$947
20 years$2,794$2,259$1,813$1,445$1,144$829
21 years$2,633$2,104$1,667$1,311$1,024$727
22 years$2,487$1,964$1,537$1,192$918$639
23 years$2,353$1,837$1,419$1,086$824$562
24 years$2,231$1,721$1,312$990$741$495
25 years$2,119$1,615$1,215$904$666$436
26 years$2,016$1,518$1,127$827$600$385
27 years$1,921$1,429$1,047$757$541$340
28 years$1,832$1,346$973$693$488$300
29 years$1,750$1,270$906$636$441$265
30 years$1,673$1,200$843$584$398$234
31 years$1,602$1,134$786$536$360$207
32 years$1,535$1,073$734$493$326$183
33 years$1,472$1,016$685$453$295$162
34 years$1,413$963$640$417$267$144
35 years$1,358$913$598$384$242$127
36 years$1,306$867$560$353$219$113
37 years$1,256$823$524$326$199$100
38 years$1,210$783$491$300$180$89
39 years$1,166$744$460$277$163$78
40 years$1,124$708$431$255$148$70
41 years$1,084$674$404$235$134$62
42 years$1,047$642$379$217$122$55
43 years$1,011$612$356$201$111$48
44 years$977$583$334$185$100$43
45 years$944$556$313$171$91$38
46 years$913$530$294$158$83$34
47 years$884$506$277$146$75$30
48 years$855$483$260$135$68$27
49 years$828$461$244$125$62$24
50 years$803$441$230$115$56$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $822,000, adding $2,101 every year, while hoping to spend $39,573 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: 47/32/21 Blend
34$822,000$822,000$822,000$822,000
35$908,011$864,445$851,704$945,169
36$958,523$864,698$838,131$971,598
37$1,012,861$863,636$822,777$996,146
38$1,071,373$861,155$805,540$1,021,975
39$1,134,442$857,140$786,314$1,049,220
40$1,202,488$851,473$764,989$1,078,037
41$1,275,974$844,027$741,448$1,108,595
42$1,355,406$834,668$715,570$1,141,088
43$1,441,343$823,252$687,227$1,175,727
44$1,534,398$809,629$656,287$1,212,752
45$1,635,244$793,639$622,610$1,252,428
46$1,744,623$775,111$586,052$1,295,050
47$1,863,351$753,868$546,461$1,340,948
48$1,992,323$729,717$503,677$1,390,487
49$2,132,526$702,460$457,536$1,444,076
50$2,285,044$671,881$407,865$1,502,166
51$2,451,072$637,757$354,482$1,565,263
52$2,631,923$599,848$297,199$1,633,924
53$2,829,042$557,904$235,818$1,708,772
54$3,044,021$511,657$170,134$1,790,497
55$3,278,609$460,827$99,931$1,879,864
56$3,534,734$405,114$24,986$1,977,724
57$3,814,518$344,206$0$2,085,017
58$4,120,296$277,769$0$2,215,114
59$4,454,639$205,452$0$2,363,624
60$4,820,378$126,886$0$2,526,286
61$5,220,631$41,678$0$2,704,581
62$5,658,830$0$0$2,900,149
63$6,138,755$0$0$3,132,614
64$6,664,567$0$0$3,403,476
65$7,240,852$0$0$3,700,433
66$7,872,657$0$0$4,026,099
67$8,565,544$0$0$4,383,351
68$9,325,636$0$0$4,775,361
69$10,159,679$0$0$5,205,621
70$11,075,104$0$0$5,677,977
71$12,080,095$0$0$6,196,666
72$13,183,668$0$0$6,766,358
73$14,395,755$0$0$7,392,193
74$15,727,296$0$0$8,079,837
75$17,190,344$0$0$8,835,531
76$18,798,178$0$0$9,666,149
77$20,565,424$0$0$10,579,266
78$22,508,200$0$0$11,583,227
79$24,644,259$0$0$12,687,226
80$26,993,164$0$0$13,901,391
81$29,576,465$0$0$15,236,883
82$32,417,908$0$0$16,705,999
83$35,543,654$0$0$18,322,285
84$38,982,528$0$0$20,100,669
85$42,766,291$0$0$22,057,598
86$46,929,935$0$0$24,211,193
87$51,512,018$0$0$26,581,423
88$56,555,022$0$0$29,190,287
89$62,105,760$0$0$32,062,029
90$68,215,810$0$0$35,223,359
91$74,942,005$0$0$38,703,712
92$82,346,970$0$0$42,535,520
93$90,499,710$0$0$46,754,519
94$99,476,259$0$0$51,400,088
95$109,360,403$0$0$56,515,617
96$120,244,462$0$0$62,148,922
97$132,230,168$0$0$68,352,688
98$145,429,620$0$0$75,184,972
99$159,966,344$0$0$82,709,749
100$175,976,455$0$0$90,997,515