Can I retire at age 35 with 825,000?

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 $825,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$68,128$67,521$66,929$66,351$65,787$64,884
2 years$33,727$33,098$32,490$31,899$31,327$30,419
3 years$22,261$21,630$21,023$20,438$19,875$18,990
4 years$16,529$15,900$15,299$14,725$14,175$13,320
5 years$13,091$12,466$11,873$11,310$10,776$9,953
6 years$10,800$10,180$9,595$9,045$8,526$7,737
7 years$9,164$8,549$7,974$7,436$6,934$6,179
8 years$7,938$7,328$6,762$6,238$5,753$5,031
9 years$6,984$6,380$5,824$5,313$4,845$4,156
10 years$6,222$5,624$5,078$4,580$4,128$3,472
11 years$5,599$5,007$4,470$3,986$3,550$2,926
12 years$5,080$4,494$3,967$3,496$3,076$2,484
13 years$4,641$4,061$3,545$3,087$2,683$2,120
14 years$4,265$3,691$3,185$2,740$2,352$1,819
15 years$3,940$3,372$2,875$2,444$2,071$1,567
16 years$3,655$3,094$2,607$2,188$1,830$1,354
17 years$3,404$2,849$2,372$1,966$1,623$1,173
18 years$3,182$2,633$2,166$1,772$1,443$1,019
19 years$2,983$2,440$1,982$1,601$1,286$887
20 years$2,804$2,267$1,819$1,450$1,149$774
21 years$2,642$2,112$1,674$1,316$1,028$676
22 years$2,496$1,972$1,542$1,196$921$591
23 years$2,362$1,844$1,424$1,090$827$518
24 years$2,239$1,728$1,317$994$743$454
25 years$2,127$1,621$1,220$908$669$398
26 years$2,023$1,524$1,131$830$603$349
27 years$1,928$1,434$1,051$760$543$307
28 years$1,839$1,351$977$696$490$270
29 years$1,756$1,275$909$638$443$237
30 years$1,679$1,204$847$586$400$209
31 years$1,608$1,138$789$538$362$184
32 years$1,540$1,077$736$494$327$162
33 years$1,477$1,020$688$455$296$142
34 years$1,418$967$642$418$268$125
35 years$1,363$917$601$385$243$111
36 years$1,310$870$562$355$220$97
37 years$1,261$826$526$327$199$86
38 years$1,214$785$492$301$181$76
39 years$1,170$747$461$278$164$67
40 years$1,128$711$432$256$149$59
41 years$1,088$676$406$236$135$52
42 years$1,050$644$380$218$122$46
43 years$1,014$614$357$201$111$40
44 years$980$585$335$186$101$36
45 years$948$558$315$172$92$31
46 years$917$532$295$159$83$28
47 years$887$508$278$147$75$24
48 years$859$485$261$135$69$22
49 years$831$463$245$125$62$19
50 years$805$442$231$116$57$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $825,000, adding $3,516 every year, while hoping to spend $28,706 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: 80/11/9 Blend
34$825,000$825,000$825,000$825,000
35$912,777$869,052$856,264$984,303
36$975,337$881,092$854,406$1,043,748
37$1,043,316$892,761$851,524$1,104,843
38$1,117,237$904,009$847,552$1,171,030
39$1,197,674$914,784$842,424$1,242,802
40$1,285,260$925,031$836,068$1,320,703
41$1,380,690$934,692$828,410$1,405,335
42$1,484,731$943,702$819,372$1,497,358
43$1,598,225$951,994$808,873$1,597,498
44$1,722,100$959,498$796,826$1,706,560
45$1,857,377$966,137$783,143$1,825,424
46$2,005,180$971,828$767,729$1,955,065
47$2,166,748$976,487$750,487$2,096,555
48$2,343,442$980,021$731,314$2,251,075
49$2,536,763$982,332$710,103$2,419,926
50$2,748,363$983,316$686,742$2,604,543
51$2,980,061$982,864$661,113$2,806,505
52$3,233,860$980,857$633,093$3,027,555
53$3,511,967$977,172$602,554$3,269,610
54$3,816,810$971,676$569,362$3,534,785
55$4,151,066$964,229$533,377$3,825,410
56$4,517,681$954,683$494,452$4,144,052
57$4,919,903$942,880$452,434$4,493,541
58$5,361,305$928,654$407,163$4,876,995
59$5,845,828$911,827$358,472$5,297,851
60$6,377,808$892,213$306,187$5,759,895
61$6,962,025$869,611$250,125$6,267,300
62$7,603,742$843,814$190,095$6,824,666
63$8,308,761$814,597$125,900$7,437,061
64$9,083,468$781,726$57,331$8,110,072
65$9,934,903$744,951$0$8,849,855
66$10,870,819$704,010$0$9,664,716
67$11,899,758$658,623$0$10,566,585
68$13,031,134$608,495$0$11,558,214
69$14,275,314$553,316$0$12,648,708
70$15,643,723$492,756$0$13,848,102
71$17,148,949$426,466$0$15,167,451
72$18,804,858$354,080$0$16,618,939
73$20,626,732$275,208$0$18,215,994
74$22,631,406$189,441$0$19,973,408
75$24,837,430$96,345$0$21,907,488
76$27,265,244$0$0$24,036,198
77$29,937,369$0$0$26,379,887
78$32,878,618$0$0$28,972,486
79$36,116,336$0$0$31,826,439
80$39,680,650$0$0$34,968,306
81$43,604,759$0$0$38,427,355
82$47,925,242$0$0$42,235,832
83$52,682,407$0$0$46,429,275
84$57,920,670$0$0$51,046,838
85$63,688,972$0$0$56,131,669
86$70,041,244$0$0$61,731,311
87$77,036,911$0$0$67,898,154
88$84,741,458$0$0$74,689,928
89$93,227,042$0$0$82,170,248
90$102,573,177$0$0$90,409,211
91$112,867,482$0$0$99,484,062
92$124,206,510$0$0$109,479,922
93$136,696,655$0$0$120,490,587
94$150,455,158$0$0$132,619,416
95$165,611,215$0$0$145,980,308
96$182,307,194$0$0$160,698,772
97$200,699,976$0$0$176,913,117
98$220,962,443$0$0$194,775,752
99$243,285,099$0$0$214,454,627
100$267,877,878$0$0$236,134,817