Can I retire at age 35 with 827,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%16.6%
1 years$68,293$67,685$67,091$66,512$65,946$64,170
2 years$33,808$33,179$32,568$31,977$31,403$29,626
3 years$22,315$21,683$21,074$20,488$19,923$18,201
4 years$16,569$15,939$15,336$14,760$14,209$12,556
5 years$13,123$12,496$11,902$11,337$10,802$9,221
6 years$10,826$10,204$9,618$9,067$8,547$7,040
7 years$9,186$8,570$7,993$7,454$6,951$5,519
8 years$7,957$7,346$6,779$6,253$5,767$4,408
9 years$7,001$6,396$5,838$5,326$4,856$3,570
10 years$6,237$5,638$5,090$4,591$4,138$2,922
11 years$5,612$5,019$4,481$3,996$3,559$2,412
12 years$5,092$4,505$3,977$3,505$3,084$2,004
13 years$4,652$4,071$3,553$3,094$2,689$1,674
14 years$4,275$3,700$3,193$2,747$2,357$1,404
15 years$3,949$3,380$2,882$2,450$2,076$1,182
16 years$3,664$3,101$2,613$2,193$1,834$998
17 years$3,413$2,856$2,378$1,971$1,627$845
18 years$3,189$2,639$2,171$1,776$1,446$716
19 years$2,990$2,446$1,987$1,605$1,289$609
20 years$2,811$2,273$1,824$1,453$1,151$518
21 years$2,649$2,117$1,678$1,319$1,030$441
22 years$2,502$1,976$1,546$1,199$924$376
23 years$2,368$1,848$1,428$1,092$829$321
24 years$2,245$1,732$1,320$996$745$274
25 years$2,132$1,625$1,223$910$671$234
26 years$2,028$1,527$1,134$832$604$200
27 years$1,932$1,438$1,053$761$545$171
28 years$1,843$1,355$979$698$491$146
29 years$1,760$1,278$911$640$444$125
30 years$1,683$1,207$849$587$401$107
31 years$1,611$1,141$791$539$362$92
32 years$1,544$1,079$738$496$328$79
33 years$1,481$1,022$689$456$297$67
34 years$1,422$969$644$419$269$58
35 years$1,366$919$602$386$243$50
36 years$1,313$872$563$355$220$42
37 years$1,264$828$527$328$200$36
38 years$1,217$787$494$302$181$31
39 years$1,173$749$463$278$164$27
40 years$1,131$712$434$257$149$23
41 years$1,091$678$406$237$135$20
42 years$1,053$646$381$219$123$17
43 years$1,017$615$358$202$111$14
44 years$983$586$336$186$101$12
45 years$950$559$315$172$92$11
46 years$919$533$296$159$83$9
47 years$889$509$278$147$76$8
48 years$861$486$261$136$69$7
49 years$833$464$246$125$62$6
50 years$807$443$231$116$57$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $827,000, adding $3,624 every year, while hoping to spend $52,472 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: 35/36/29 Blend
34$827,000$827,000$827,000$827,000
35$915,092$871,261$858,443$939,027
36$952,602$858,123$831,371$944,175
37$992,179$842,583$801,633$944,769
38$1,033,978$824,467$769,085$944,409
39$1,078,171$803,592$733,576$943,046
40$1,124,940$779,764$694,947$940,631
41$1,174,489$752,778$653,033$937,114
42$1,227,039$722,416$607,661$932,448
43$1,282,830$688,448$558,651$926,583
44$1,342,127$650,630$505,815$919,474
45$1,405,219$608,705$448,954$911,076
46$1,472,421$562,401$387,863$901,347
47$1,544,079$511,430$322,328$890,246
48$1,620,573$455,488$252,124$877,738
49$1,702,317$394,253$177,016$863,793
50$1,789,768$327,386$96,761$848,383
51$1,883,424$254,527$11,102$831,489
52$1,983,832$175,298$0$813,101
53$2,091,594$89,298$0$818,065
54$2,207,367$0$0$826,820
55$2,331,876$0$0$837,580
56$2,465,915$0$0$887,331
57$2,610,355$0$0$941,033
58$2,766,155$0$0$999,053
59$2,934,368$0$0$1,061,795
60$3,116,149$0$0$1,129,703
61$3,312,770$0$0$1,203,266
62$3,525,627$0$0$1,283,019
63$3,756,257$0$0$1,369,554
64$4,006,349$0$0$1,463,518
65$4,277,759$0$0$1,565,626
66$4,572,529$0$0$1,676,664
67$4,892,907$0$0$1,797,494
68$5,241,364$0$0$1,929,069
69$5,620,619$0$0$2,072,433
70$6,033,664$0$0$2,228,738
71$6,483,792$0$0$2,399,251
72$6,974,625$0$0$2,585,367
73$7,510,152$0$0$2,788,620
74$8,094,763$0$0$3,010,701
75$8,733,289$0$0$3,253,470
76$9,431,050$0$0$3,518,975
77$10,193,901$0$0$3,809,471
78$11,028,292$0$0$4,127,443
79$11,941,321$0$0$4,475,624
80$12,940,805$0$0$4,857,025
81$14,035,352$0$0$5,274,963
82$15,234,444$0$0$5,733,091
83$16,548,518$0$0$6,235,430
84$17,989,072$0$0$6,786,411
85$19,568,771$0$0$7,390,914
86$21,301,560$0$0$8,054,312
87$23,202,802$0$0$8,782,528
88$25,289,418$0$0$9,582,082
89$27,580,047$0$0$10,460,158
90$30,095,220$0$0$11,424,670
91$32,857,554$0$0$12,484,336
92$35,891,963$0$0$13,648,759
93$39,225,895$0$0$14,928,522
94$42,889,585$0$0$16,335,278
95$46,916,346$0$0$17,881,872
96$51,342,874$0$0$19,582,451
97$56,209,603$0$0$21,452,602
98$61,561,074$0$0$23,509,500
99$67,446,366$0$0$25,772,067
100$73,919,548$0$0$28,261,151