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%17.7%
1 years$67,880$67,275$66,685$66,110$65,547$63,500
2 years$33,604$32,978$32,372$31,783$31,213$29,169
3 years$22,180$21,552$20,947$20,364$19,803$17,825
4 years$16,469$15,843$15,244$14,671$14,124$12,228
5 years$13,044$12,421$11,830$11,269$10,737$8,929
6 years$10,761$10,143$9,560$9,012$8,495$6,776
7 years$9,131$8,518$7,945$7,409$6,909$5,279
8 years$7,909$7,301$6,738$6,215$5,732$4,189
9 years$6,959$6,357$5,803$5,294$4,827$3,370
10 years$6,199$5,603$5,059$4,564$4,113$2,740
11 years$5,578$4,988$4,454$3,972$3,537$2,245
12 years$5,061$4,477$3,953$3,484$3,065$1,852
13 years$4,624$4,046$3,532$3,076$2,673$1,536
14 years$4,249$3,678$3,173$2,730$2,343$1,278
15 years$3,925$3,360$2,865$2,435$2,063$1,068
16 years$3,642$3,083$2,598$2,180$1,823$895
17 years$3,392$2,839$2,364$1,959$1,617$751
18 years$3,170$2,623$2,158$1,765$1,437$632
19 years$2,972$2,431$1,975$1,595$1,281$532
20 years$2,794$2,259$1,813$1,445$1,144$449
21 years$2,633$2,104$1,667$1,311$1,024$379
22 years$2,487$1,964$1,537$1,192$918$321
23 years$2,353$1,837$1,419$1,086$824$271
24 years$2,231$1,721$1,312$990$741$230
25 years$2,119$1,615$1,215$904$666$194
26 years$2,016$1,518$1,127$827$600$165
27 years$1,921$1,429$1,047$757$541$140
28 years$1,832$1,346$973$693$488$118
29 years$1,750$1,270$906$636$441$100
30 years$1,673$1,200$843$584$398$85
31 years$1,602$1,134$786$536$360$72
32 years$1,535$1,073$734$493$326$61
33 years$1,472$1,016$685$453$295$52
34 years$1,413$963$640$417$267$44
35 years$1,358$913$598$384$242$38
36 years$1,306$867$560$353$219$32
37 years$1,256$823$524$326$199$27
38 years$1,210$783$491$300$180$23
39 years$1,166$744$460$277$163$20
40 years$1,124$708$431$255$148$17
41 years$1,084$674$404$235$134$14
42 years$1,047$642$379$217$122$12
43 years$1,011$612$356$201$111$10
44 years$977$583$334$185$100$9
45 years$944$556$313$171$91$7
46 years$913$530$294$158$83$6
47 years$884$506$277$146$75$5
48 years$855$483$260$135$68$5
49 years$828$461$244$125$62$4
50 years$803$441$230$115$56$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $822,000, adding $5,830 every year, while hoping to spend $51,122 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: 49/44/7 Blend
34$822,000$822,000$822,000$822,000
35$911,858$868,292$855,551$954,604
36$950,474$856,445$829,818$972,589
37$991,315$842,304$801,510$986,195
38$1,034,555$825,702$770,487$999,767
39$1,080,383$806,464$736,601$1,013,317
40$1,129,004$784,403$699,699$1,026,858
41$1,180,645$759,322$659,622$1,040,411
42$1,235,553$731,011$616,201$1,053,999
43$1,293,997$699,248$569,262$1,067,654
44$1,356,274$663,800$518,621$1,081,415
45$1,422,707$624,420$464,088$1,095,328
46$1,493,652$580,845$405,464$1,109,450
47$1,569,496$532,798$342,538$1,123,848
48$1,650,666$479,987$275,095$1,138,602
49$1,737,630$422,102$202,907$1,153,805
50$1,830,900$358,817$125,736$1,169,565
51$1,931,038$289,785$43,335$1,186,010
52$2,038,663$214,643$0$1,203,286
53$2,154,450$133,005$0$1,224,892
54$2,279,146$44,463$0$1,251,362
55$2,413,565$0$0$1,279,699
56$2,558,607$0$0$1,335,069
57$2,715,257$0$0$1,418,192
58$2,884,599$0$0$1,508,121
59$3,067,824$0$0$1,605,500
60$3,266,242$0$0$1,711,033
61$3,481,291$0$0$1,825,496
62$3,714,555$0$0$1,949,742
63$3,967,774$0$0$2,084,710
64$4,242,863$0$0$2,231,432
65$4,541,928$0$0$2,391,043
66$4,867,286$0$0$2,564,792
67$5,221,486$0$0$2,754,054
68$5,607,333$0$0$2,960,342
69$6,027,914$0$0$3,185,321
70$6,486,627$0$0$3,430,823
71$6,987,209$0$0$3,698,866
72$7,533,778$0$0$3,991,668
73$8,130,864$0$0$4,311,675
74$8,783,455$0$0$4,661,578
75$9,497,043$0$0$5,044,340
76$10,277,673$0$0$5,463,223
77$11,132,003$0$0$5,921,819
78$12,067,364$0$0$6,424,084
79$13,091,829$0$0$6,974,375
80$14,214,287$0$0$7,577,489
81$15,444,529$0$0$8,238,710
82$16,793,339$0$0$8,963,857
83$18,272,591$0$0$9,759,341
84$19,895,366$0$0$10,632,221
85$21,676,072$0$0$11,590,274
86$23,630,578$0$0$12,642,066
87$25,776,365$0$0$13,797,032
88$28,132,691$0$0$15,065,567
89$30,720,766$0$0$16,459,122
90$33,563,958$0$0$17,990,311
91$36,688,012$0$0$19,673,030
92$40,121,285$0$0$21,522,590
93$43,895,022$0$0$23,555,856
94$48,043,643$0$0$25,791,411
95$52,605,070$0$0$28,249,728
96$57,621,083$0$0$30,953,362
97$63,137,714$0$0$33,927,165
98$69,205,679$0$0$37,198,518
99$75,880,856$0$0$40,797,588
100$83,224,811$0$0$44,757,615