Can I retire at age 35 with 823,000?

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 $823,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$67,963$67,357$66,767$66,190$65,627$65,132
2 years$33,645$33,018$32,411$31,822$31,251$30,752
3 years$22,207$21,578$20,972$20,389$19,827$19,339
4 years$16,489$15,862$15,262$14,689$14,141$13,668
5 years$13,060$12,436$11,844$11,283$10,750$10,293
6 years$10,774$10,155$9,572$9,023$8,506$8,067
7 years$9,142$8,528$7,954$7,418$6,917$6,496
8 years$7,918$7,310$6,746$6,223$5,739$5,334
9 years$6,967$6,365$5,810$5,300$4,833$4,446
10 years$6,207$5,610$5,065$4,569$4,118$3,748
11 years$5,585$4,994$4,460$3,976$3,541$3,188
12 years$5,067$4,483$3,958$3,488$3,069$2,732
13 years$4,629$4,051$3,536$3,079$2,676$2,355
14 years$4,255$3,682$3,177$2,733$2,346$2,041
15 years$3,930$3,364$2,868$2,438$2,066$1,775
16 years$3,646$3,086$2,601$2,183$1,826$1,550
17 years$3,396$2,842$2,367$1,961$1,619$1,358
18 years$3,174$2,626$2,160$1,767$1,439$1,192
19 years$2,976$2,434$1,978$1,597$1,283$1,049
20 years$2,797$2,262$1,815$1,446$1,146$925
21 years$2,636$2,107$1,669$1,313$1,025$817
22 years$2,490$1,967$1,539$1,194$919$723
23 years$2,356$1,839$1,421$1,087$825$640
24 years$2,234$1,723$1,314$991$742$568
25 years$2,122$1,617$1,217$905$667$504
26 years$2,018$1,520$1,129$828$601$447
27 years$1,923$1,431$1,048$758$542$398
28 years$1,834$1,348$974$694$489$354
29 years$1,752$1,272$907$637$442$315
30 years$1,675$1,201$845$584$399$281
31 years$1,604$1,135$787$537$361$250
32 years$1,537$1,074$735$493$326$223
33 years$1,474$1,017$686$454$295$199
34 years$1,415$964$641$417$267$177
35 years$1,359$915$599$384$242$158
36 years$1,307$868$560$354$219$141
37 years$1,258$824$525$326$199$126
38 years$1,211$783$491$300$180$113
39 years$1,167$745$460$277$163$100
40 years$1,125$709$431$256$148$90
41 years$1,085$675$405$236$135$80
42 years$1,048$643$379$218$122$72
43 years$1,012$612$356$201$111$64
44 years$978$584$334$185$101$57
45 years$945$557$314$171$91$51
46 years$914$531$295$158$83$46
47 years$885$507$277$146$75$41
48 years$856$484$260$135$68$37
49 years$829$462$245$125$62$33
50 years$804$441$230$115$56$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $823,000, adding $3,824 every year, while hoping to spend $42,149 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: 69/26/5 Blend
34$823,000$823,000$823,000$823,000
35$910,890$867,271$854,515$972,985
36$958,955$864,922$838,295$1,012,191
37$1,010,510$861,044$820,119$1,049,515
38$1,065,866$855,519$799,877$1,089,177
39$1,125,365$848,220$777,454$1,131,397
40$1,189,383$839,014$752,729$1,176,418
41$1,258,331$827,757$725,577$1,224,507
42$1,332,662$814,298$695,865$1,275,961
43$1,412,874$798,479$663,457$1,331,107
44$1,499,512$780,129$628,208$1,390,308
45$1,593,177$759,070$589,967$1,453,962
46$1,694,528$735,112$548,578$1,522,512
47$1,804,290$708,053$503,876$1,596,447
48$1,923,261$677,681$455,689$1,676,305
49$2,052,318$643,771$403,839$1,762,683
50$2,192,424$606,086$348,137$1,856,240
51$2,344,641$564,373$288,389$1,957,703
52$2,510,134$518,367$224,390$2,067,876
53$2,690,187$467,787$155,926$2,187,649
54$2,886,212$412,334$82,776$2,318,001
55$3,099,763$351,696$4,706$2,460,017
56$3,332,549$285,540$0$2,614,895
57$3,586,453$213,515$0$2,788,150
58$3,863,546$135,252$0$2,977,590
59$4,166,107$50,359$0$3,184,591
60$4,496,647$0$0$3,410,947
61$4,857,928$0$0$3,670,538
62$5,252,992$0$0$3,970,201
63$5,685,189$0$0$4,298,077
64$6,158,206$0$0$4,656,968
65$6,676,104$0$0$5,049,961
66$7,243,356$0$0$5,480,455
67$7,864,885$0$0$5,952,196
68$8,546,116$0$0$6,469,304
69$9,293,021$0$0$7,036,323
70$10,112,179$0$0$7,658,252
71$11,010,836$0$0$8,340,602
72$11,996,974$0$0$9,089,439
73$13,079,383$0$0$9,911,447
74$14,267,748$0$0$10,813,989
75$15,572,735$0$0$11,805,176
76$17,006,095$0$0$12,893,940
77$18,580,774$0$0$14,090,124
78$20,311,033$0$0$15,404,570
79$22,212,580$0$0$16,849,224
80$24,302,725$0$0$18,437,244
81$26,600,535$0$0$20,183,127
82$29,127,018$0$0$22,102,848
83$31,905,319$0$0$24,214,003
84$34,960,939$0$0$26,535,980
85$38,321,971$0$0$29,090,142
86$42,019,372$0$0$31,900,025
87$46,087,248$0$0$34,991,560
88$50,563,176$0$0$38,393,321
89$55,488,563$0$0$42,136,788
90$60,909,030$0$0$46,256,651
91$66,874,844$0$0$50,791,130
92$73,441,393$0$0$55,782,339
93$80,669,708$0$0$61,276,683
94$88,627,036$0$0$67,325,293
95$97,387,475$0$0$73,984,510
96$107,032,674$0$0$81,316,417
97$117,652,601$0$0$89,389,421
98$129,346,393$0$0$98,278,901
99$142,223,288$0$0$108,067,919
100$156,403,658$0$0$118,848,001