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%16.9%
1 years$68,293$67,685$67,091$66,512$65,946$64,092
2 years$33,808$33,179$32,568$31,977$31,403$29,549
3 years$22,315$21,683$21,074$20,488$19,923$18,128
4 years$16,569$15,939$15,336$14,760$14,209$12,486
5 years$13,123$12,496$11,902$11,337$10,802$9,155
6 years$10,826$10,204$9,618$9,067$8,547$6,979
7 years$9,186$8,570$7,993$7,454$6,951$5,461
8 years$7,957$7,346$6,779$6,253$5,767$4,354
9 years$7,001$6,396$5,838$5,326$4,856$3,520
10 years$6,237$5,638$5,090$4,591$4,138$2,876
11 years$5,612$5,019$4,481$3,996$3,559$2,369
12 years$5,092$4,505$3,977$3,505$3,084$1,965
13 years$4,652$4,071$3,553$3,094$2,689$1,638
14 years$4,275$3,700$3,193$2,747$2,357$1,371
15 years$3,949$3,380$2,882$2,450$2,076$1,152
16 years$3,664$3,101$2,613$2,193$1,834$970
17 years$3,413$2,856$2,378$1,971$1,627$819
18 years$3,189$2,639$2,171$1,776$1,446$693
19 years$2,990$2,446$1,987$1,605$1,289$588
20 years$2,811$2,273$1,824$1,453$1,151$499
21 years$2,649$2,117$1,678$1,319$1,030$424
22 years$2,502$1,976$1,546$1,199$924$361
23 years$2,368$1,848$1,428$1,092$829$307
24 years$2,245$1,732$1,320$996$745$262
25 years$2,132$1,625$1,223$910$671$223
26 years$2,028$1,527$1,134$832$604$190
27 years$1,932$1,438$1,053$761$545$162
28 years$1,843$1,355$979$698$491$138
29 years$1,760$1,278$911$640$444$118
30 years$1,683$1,207$849$587$401$101
31 years$1,611$1,141$791$539$362$86
32 years$1,544$1,079$738$496$328$74
33 years$1,481$1,022$689$456$297$63
34 years$1,422$969$644$419$269$54
35 years$1,366$919$602$386$243$46
36 years$1,313$872$563$355$220$39
37 years$1,264$828$527$328$200$34
38 years$1,217$787$494$302$181$29
39 years$1,173$749$463$278$164$25
40 years$1,131$712$434$257$149$21
41 years$1,091$678$406$237$135$18
42 years$1,053$646$381$219$123$15
43 years$1,017$615$358$202$111$13
44 years$983$586$336$186$101$11
45 years$950$559$315$172$92$10
46 years$919$533$296$159$83$8
47 years$889$509$278$147$76$7
48 years$861$486$261$136$69$6
49 years$833$464$246$125$62$5
50 years$807$443$231$116$57$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $827,000, adding $3,967 every year, while hoping to spend $52,161 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: 39/42/19 Blend
34$827,000$827,000$827,000$827,000
35$915,446$871,615$858,796$945,821
36$953,323$858,825$832,067$955,192
37$993,314$843,661$802,694$960,047
38$1,035,582$825,949$770,534$964,215
39$1,080,301$805,511$735,437$967,662
40$1,127,662$782,151$697,245$970,354
41$1,177,876$755,668$655,794$972,259
42$1,231,169$725,847$610,913$973,348
43$1,287,793$692,457$562,423$973,592
44$1,348,020$655,260$510,137$972,966
45$1,412,150$614,000$453,858$971,447
46$1,480,510$568,407$393,384$969,019
47$1,553,459$518,195$328,499$965,667
48$1,631,390$463,065$258,981$961,384
49$1,714,733$402,697$184,599$956,169
50$1,803,961$336,754$105,108$950,030
51$1,899,591$264,881$20,255$942,982
52$2,002,192$186,703$0$935,053
53$2,112,387$101,822$0$940,533
54$2,230,860$9,821$0$950,532
55$2,358,361$0$0$961,067
56$2,495,717$0$0$1,013,764
57$2,643,832$0$0$1,075,567
58$2,803,701$0$0$1,142,364
59$2,976,419$0$0$1,214,622
60$3,163,186$0$0$1,292,856
61$3,365,323$0$0$1,377,632
62$3,584,282$0$0$1,469,572
63$3,821,659$0$0$1,569,359
64$4,079,210$0$0$1,677,747
65$4,358,865$0$0$1,795,561
66$4,662,748$0$0$1,923,713
67$4,993,194$0$0$2,063,205
68$5,352,772$0$0$2,215,137
69$5,744,312$0$0$2,380,724
70$6,170,923$0$0$2,561,299
71$6,636,031$0$0$2,758,331
72$7,143,404$0$0$2,973,438
73$7,697,189$0$0$3,208,399
74$8,301,952$0$0$3,465,174
75$8,962,721$0$0$3,745,920
76$9,685,028$0$0$4,053,011
77$10,474,965$0$0$4,389,064
78$11,339,242$0$0$4,756,958
79$12,285,243$0$0$5,159,863
80$13,321,102$0$0$5,601,271
81$14,455,777$0$0$6,085,030
82$15,699,129$0$0$6,615,373
83$17,062,023$0$0$7,196,966
84$18,556,421$0$0$7,834,946
85$20,195,502$0$0$8,534,972
86$21,993,778$0$0$9,303,279
87$23,967,235$0$0$10,146,732
88$26,133,484$0$0$11,072,894
89$28,511,919$0$0$12,090,097
90$31,123,909$0$0$13,207,520
91$33,992,991$0$0$14,435,273
92$37,145,094$0$0$15,784,495
93$40,608,783$0$0$17,267,459
94$44,415,528$0$0$18,897,682
95$48,599,997$0$0$20,690,059
96$53,200,386$0$0$22,661,001
97$58,258,775$0$0$24,828,586
98$63,821,526$0$0$27,212,735
99$69,939,718$0$0$29,835,392
100$76,669,631$0$0$32,720,740