Can I retire at age 35 with 827,000?

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 $827,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$68,293$67,685$67,091$66,512$65,946$64,300
2 years$33,808$33,179$32,568$31,977$31,403$29,755
3 years$22,315$21,683$21,074$20,488$19,923$18,325
4 years$16,569$15,939$15,336$14,760$14,209$12,673
5 years$13,123$12,496$11,902$11,337$10,802$9,331
6 years$10,826$10,204$9,618$9,067$8,547$7,144
7 years$9,186$8,570$7,993$7,454$6,951$5,616
8 years$7,957$7,346$6,779$6,253$5,767$4,499
9 years$7,001$6,396$5,838$5,326$4,856$3,655
10 years$6,237$5,638$5,090$4,591$4,138$3,001
11 years$5,612$5,019$4,481$3,996$3,559$2,485
12 years$5,092$4,505$3,977$3,505$3,084$2,071
13 years$4,652$4,071$3,553$3,094$2,689$1,736
14 years$4,275$3,700$3,193$2,747$2,357$1,461
15 years$3,949$3,380$2,882$2,450$2,076$1,234
16 years$3,664$3,101$2,613$2,193$1,834$1,046
17 years$3,413$2,856$2,378$1,971$1,627$888
18 years$3,189$2,639$2,171$1,776$1,446$756
19 years$2,990$2,446$1,987$1,605$1,289$645
20 years$2,811$2,273$1,824$1,453$1,151$551
21 years$2,649$2,117$1,678$1,319$1,030$471
22 years$2,502$1,976$1,546$1,199$924$403
23 years$2,368$1,848$1,428$1,092$829$345
24 years$2,245$1,732$1,320$996$745$296
25 years$2,132$1,625$1,223$910$671$254
26 years$2,028$1,527$1,134$832$604$218
27 years$1,932$1,438$1,053$761$545$187
28 years$1,843$1,355$979$698$491$161
29 years$1,760$1,278$911$640$444$138
30 years$1,683$1,207$849$587$401$119
31 years$1,611$1,141$791$539$362$102
32 years$1,544$1,079$738$496$328$88
33 years$1,481$1,022$689$456$297$76
34 years$1,422$969$644$419$269$65
35 years$1,366$919$602$386$243$56
36 years$1,313$872$563$355$220$48
37 years$1,264$828$527$328$200$41
38 years$1,217$787$494$302$181$36
39 years$1,173$749$463$278$164$31
40 years$1,131$712$434$257$149$26
41 years$1,091$678$406$237$135$23
42 years$1,053$646$381$219$123$20
43 years$1,017$615$358$202$111$17
44 years$983$586$336$186$101$15
45 years$950$559$315$172$92$13
46 years$919$533$296$159$83$11
47 years$889$509$278$147$76$9
48 years$861$486$261$136$69$8
49 years$833$464$246$125$62$7
50 years$807$443$231$116$57$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $827,000, adding $5,676 every year, while hoping to spend $20,505 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: 33/40/27 Blend
34$827,000$827,000$827,000$827,000
35$917,209$873,378$860,559$939,791
36$988,947$894,356$867,571$978,363
37$1,067,315$915,675$874,130$1,017,681
38$1,152,968$937,330$880,200$1,059,654
39$1,246,626$959,315$885,742$1,104,530
40$1,349,083$981,622$890,716$1,152,585
41$1,461,213$1,004,245$895,078$1,204,120
42$1,583,977$1,027,174$898,784$1,259,470
43$1,718,436$1,050,398$901,786$1,319,001
44$1,865,756$1,073,907$904,035$1,383,121
45$2,027,221$1,097,686$905,479$1,452,275
46$2,204,247$1,121,723$906,062$1,526,957
47$2,398,393$1,146,000$905,727$1,607,712
48$2,611,375$1,170,500$904,415$1,695,139
49$2,845,084$1,195,203$902,062$1,789,901
50$3,101,603$1,220,088$898,602$1,892,727
51$3,383,226$1,245,132$893,964$2,004,422
52$3,692,480$1,270,309$888,077$2,125,875
53$4,032,150$1,295,590$880,864$2,258,065
54$4,405,301$1,320,946$872,245$2,402,072
55$4,815,313$1,346,343$862,136$2,559,087
56$5,265,906$1,371,746$850,450$2,730,426
57$5,761,183$1,397,116$837,094$2,917,536
58$6,305,660$1,422,411$821,973$3,122,017
59$6,904,314$1,447,585$804,985$3,345,631
60$7,562,627$1,472,591$786,026$3,590,322
61$8,286,643$1,497,375$764,985$3,858,236
62$9,083,015$1,521,881$741,747$4,151,736
63$9,959,078$1,546,049$716,191$4,473,431
64$10,922,912$1,569,814$688,191$4,826,196
65$11,983,420$1,593,105$657,616$5,213,203
66$13,150,409$1,615,848$624,327$5,637,950
67$14,434,689$1,637,963$588,180$6,104,292
68$15,848,168$1,659,364$549,025$6,616,484
69$17,403,969$1,679,959$506,705$7,179,214
70$19,116,548$1,699,652$461,054$7,797,654
71$21,001,837$1,718,336$411,900$8,477,506
72$23,077,391$1,735,902$359,066$9,225,056
73$25,362,553$1,752,229$302,363$10,047,236
74$27,878,636$1,767,191$241,594$10,951,691
75$30,649,127$1,780,653$176,557$11,946,847
76$33,699,904$1,792,471$107,038$13,041,996
77$37,059,484$1,802,491$32,814$14,247,382
78$40,759,290$1,810,552$0$15,574,298
79$44,833,948$1,816,480$0$17,048,565
80$49,321,613$1,820,090$0$18,681,499
81$54,264,330$1,821,187$0$20,478,844
82$59,708,430$1,819,563$0$22,457,363
83$65,704,965$1,814,997$0$24,635,527
84$72,310,195$1,807,255$0$27,033,696
85$79,586,113$1,796,089$0$29,674,311
86$87,601,034$1,781,234$0$32,582,103
87$96,430,236$1,762,411$0$35,784,331
88$106,156,674$1,739,324$0$39,311,035
89$116,871,762$1,711,658$0$43,195,328
90$128,676,232$1,679,080$0$47,473,701
91$141,681,090$1,641,237$0$52,186,374
92$156,008,661$1,597,757$0$57,377,674
93$171,793,740$1,548,243$0$63,096,454
94$189,184,872$1,492,277$0$69,396,557
95$208,345,746$1,429,416$0$76,337,324
96$229,456,746$1,359,191$0$83,984,156
97$252,716,650$1,281,107$0$92,409,131
98$278,344,506$1,194,640$0$101,691,687
99$306,581,703$1,099,234$0$111,919,375
100$337,694,245$994,304$0$123,188,683