Can I retire at age 35 with 824,000?

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 $824,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$68,045$67,439$66,848$66,271$65,707$64,698
2 years$33,686$33,058$32,450$31,861$31,289$30,275
3 years$22,234$21,604$20,998$20,414$19,851$18,864
4 years$16,509$15,881$15,281$14,707$14,158$13,205
5 years$13,075$12,451$11,859$11,296$10,763$9,846
6 years$10,787$10,167$9,583$9,034$8,516$7,638
7 years$9,153$8,538$7,964$7,427$6,926$6,085
8 years$7,928$7,319$6,754$6,230$5,746$4,943
9 years$6,976$6,373$5,817$5,307$4,839$4,074
10 years$6,214$5,617$5,072$4,575$4,123$3,395
11 years$5,592$5,001$4,465$3,981$3,546$2,854
12 years$5,073$4,488$3,963$3,492$3,073$2,417
13 years$4,635$4,056$3,540$3,083$2,679$2,058
14 years$4,260$3,687$3,181$2,737$2,349$1,761
15 years$3,935$3,368$2,872$2,441$2,068$1,512
16 years$3,651$3,090$2,604$2,185$1,828$1,303
17 years$3,400$2,846$2,369$1,964$1,621$1,126
18 years$3,178$2,630$2,163$1,770$1,441$976
19 years$2,979$2,437$1,980$1,599$1,284$847
20 years$2,801$2,265$1,817$1,448$1,147$736
21 years$2,639$2,110$1,671$1,314$1,027$641
22 years$2,493$1,969$1,541$1,195$920$559
23 years$2,359$1,842$1,422$1,088$826$488
24 years$2,237$1,726$1,315$993$742$426
25 years$2,124$1,619$1,218$906$668$373
26 years$2,021$1,522$1,130$829$602$326
27 years$1,925$1,432$1,049$759$543$286
28 years$1,837$1,350$975$695$490$250
29 years$1,754$1,273$908$637$442$219
30 years$1,677$1,202$846$585$399$192
31 years$1,606$1,137$788$537$361$169
32 years$1,539$1,076$735$494$327$148
33 years$1,476$1,019$687$454$296$130
34 years$1,417$965$642$418$268$114
35 years$1,361$916$600$385$242$100
36 years$1,309$869$561$354$220$88
37 years$1,259$825$525$326$199$77
38 years$1,213$784$492$301$180$68
39 years$1,168$746$461$277$164$60
40 years$1,127$710$432$256$148$52
41 years$1,087$676$405$236$135$46
42 years$1,049$643$380$218$122$41
43 years$1,013$613$357$201$111$36
44 years$979$584$335$186$101$31
45 years$946$557$314$171$91$28
46 years$915$532$295$158$83$24
47 years$886$507$277$146$75$21
48 years$857$484$261$135$68$19
49 years$830$462$245$125$62$16
50 years$805$442$230$116$56$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $824,000, adding $3,405 every year, while hoping to spend $21,751 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: 61/9/30 Blend
34$824,000$824,000$824,000$824,000
35$911,560$867,888$855,116$959,566
36$981,397$887,272$860,620$1,012,091
37$1,057,627$906,876$865,579$1,066,779
38$1,140,881$926,689$869,952$1,126,029
39$1,231,852$946,698$873,696$1,190,290
40$1,331,301$966,886$876,765$1,260,061
41$1,440,069$987,239$879,111$1,335,889
42$1,559,079$1,007,737$880,686$1,418,379
43$1,689,351$1,028,362$881,434$1,508,197
44$1,832,005$1,049,092$881,302$1,606,077
45$1,988,275$1,069,903$880,232$1,712,830
46$2,159,521$1,090,770$878,161$1,829,347
47$2,347,240$1,111,666$875,028$1,956,613
48$2,553,081$1,132,560$870,763$2,095,712
49$2,778,860$1,153,420$865,299$2,247,842
50$3,026,578$1,174,212$858,560$2,414,320
51$3,298,437$1,194,896$850,470$2,596,600
52$3,596,865$1,215,434$840,949$2,796,285
53$3,924,536$1,235,780$829,911$3,015,142
54$4,284,394$1,255,889$817,268$3,255,119
55$4,679,683$1,275,708$802,927$3,518,363
56$5,113,978$1,295,185$786,792$3,807,241
57$5,591,215$1,314,260$768,761$4,124,364
58$6,115,732$1,332,872$748,728$4,472,608
59$6,692,307$1,350,954$726,581$4,855,144
60$7,326,206$1,368,434$702,205$5,275,470
61$8,023,227$1,385,236$675,477$5,737,439
62$8,789,762$1,401,278$646,271$6,245,300
63$9,632,851$1,416,473$614,454$6,803,735
64$10,560,250$1,430,729$579,887$7,417,909
65$11,580,507$1,443,946$542,425$8,093,512
66$12,703,038$1,456,019$501,915$8,836,817
67$13,938,219$1,466,835$458,200$9,654,740
68$15,297,481$1,476,274$411,114$10,554,902
69$16,793,422$1,484,209$360,484$11,545,705
70$18,439,920$1,490,504$306,129$12,636,411
71$20,252,268$1,495,015$247,861$13,837,228
72$22,247,317$1,497,589$185,482$15,159,408
73$24,443,635$1,498,062$118,787$16,615,353
74$26,861,680$1,496,262$47,561$18,218,734
75$29,523,998$1,492,004$0$19,984,619
76$32,455,427$1,485,095$0$21,938,721
77$35,683,343$1,475,326$0$24,107,080
78$39,237,905$1,462,478$0$26,494,708
79$43,152,351$1,446,320$0$29,123,926
80$47,463,304$1,426,603$0$32,019,328
81$52,211,121$1,403,066$0$35,208,017
82$57,440,272$1,375,433$0$38,719,862
83$63,199,761$1,343,410$0$42,587,773
84$69,543,585$1,306,685$0$46,848,021
85$76,531,249$1,264,931$0$51,540,572
86$84,228,323$1,217,799$0$56,709,472
87$92,707,061$1,164,921$0$62,403,255
88$102,047,085$1,105,906$0$68,675,407
89$112,336,135$1,040,342$0$75,584,868
90$123,670,895$967,793$0$83,196,591
91$136,157,910$887,799$0$91,582,152
92$149,914,587$799,871$0$100,820,427
93$165,070,304$703,494$0$110,998,339
94$181,767,635$598,125$0$122,211,674
95$200,163,688$483,188$0$134,565,989
96$220,431,595$358,075$0$148,177,610
97$242,762,141$222,144$0$163,174,723
98$267,365,569$74,718$0$179,698,592
99$294,473,560$0$0$197,904,891
100$324,341,422$0$0$217,973,579