Can I retire at age 35 with 828,000?

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 $828,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$68,375$67,766$67,172$66,592$66,026$64,325
2 years$33,849$33,219$32,608$32,015$31,441$29,739
3 years$22,342$21,709$21,099$20,513$19,947$18,297
4 years$16,590$15,958$15,355$14,778$14,227$12,641
5 years$13,139$12,512$11,916$11,351$10,815$9,298
6 years$10,839$10,217$9,630$9,078$8,557$7,111
7 years$9,197$8,580$8,003$7,463$6,959$5,584
8 years$7,966$7,355$6,787$6,261$5,774$4,468
9 years$7,010$6,403$5,845$5,333$4,862$3,625
10 years$6,244$5,644$5,096$4,597$4,143$2,973
11 years$5,619$5,025$4,487$4,001$3,563$2,459
12 years$5,098$4,510$3,982$3,509$3,088$2,047
13 years$4,658$4,076$3,557$3,098$2,692$1,713
14 years$4,280$3,705$3,196$2,750$2,360$1,440
15 years$3,954$3,384$2,886$2,453$2,078$1,215
16 years$3,668$3,105$2,617$2,196$1,837$1,028
17 years$3,417$2,860$2,381$1,973$1,628$872
18 years$3,193$2,642$2,173$1,778$1,448$741
19 years$2,994$2,449$1,990$1,607$1,291$631
20 years$2,814$2,276$1,826$1,455$1,153$538
21 years$2,652$2,120$1,680$1,321$1,032$459
22 years$2,505$1,979$1,548$1,201$925$392
23 years$2,370$1,851$1,429$1,094$830$336
24 years$2,248$1,734$1,322$997$746$287
25 years$2,135$1,627$1,224$911$671$246
26 years$2,031$1,529$1,136$833$605$211
27 years$1,935$1,439$1,054$762$545$181
28 years$1,845$1,356$980$698$492$155
29 years$1,763$1,279$912$641$444$133
30 years$1,685$1,208$850$588$401$114
31 years$1,613$1,142$792$540$363$98
32 years$1,546$1,081$739$496$328$84
33 years$1,483$1,024$690$456$297$72
34 years$1,423$970$645$420$269$62
35 years$1,368$920$603$386$244$53
36 years$1,315$873$564$356$221$46
37 years$1,265$829$528$328$200$39
38 years$1,218$788$494$302$181$34
39 years$1,174$750$463$279$164$29
40 years$1,132$713$434$257$149$25
41 years$1,092$679$407$237$135$22
42 years$1,054$647$382$219$123$18
43 years$1,018$616$358$202$111$16
44 years$984$587$336$187$101$14
45 years$951$560$316$172$92$12
46 years$920$534$297$159$83$10
47 years$890$510$279$147$76$9
48 years$862$487$262$136$69$7
49 years$834$465$246$126$62$6
50 years$808$444$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 $828,000, adding $2,220 every year, while hoping to spend $51,426 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: 46/38/16 Blend
34$828,000$828,000$828,000$828,000
35$914,746$870,862$858,028$952,567
36$953,333$858,817$832,055$967,073
37$994,133$844,459$803,488$977,430
38$1,037,316$827,619$772,187$987,558
39$1,083,070$808,120$738,003$997,457
40$1,131,599$785,774$700,782$1,007,129
41$1,183,127$760,382$660,363$1,016,582
42$1,237,898$731,733$616,578$1,025,829
43$1,296,180$699,604$569,249$1,034,887
44$1,358,265$663,759$518,194$1,043,780
45$1,424,474$623,949$463,219$1,052,539
46$1,495,158$579,910$404,124$1,061,205
47$1,570,700$531,362$340,699$1,069,826
48$1,651,524$478,012$272,725$1,078,462
49$1,738,092$419,546$199,973$1,087,186
50$1,830,909$355,636$122,204$1,096,085
51$1,930,534$285,934$39,170$1,105,260
52$2,037,575$210,072$0$1,114,831
53$2,152,704$127,661$0$1,133,380
54$2,276,656$38,293$0$1,160,314
55$2,410,238$0$0$1,189,175
56$2,554,339$0$0$1,244,678
57$2,709,934$0$0$1,321,972
58$2,878,093$0$0$1,405,585
59$3,059,994$0$0$1,496,113
60$3,256,932$0$0$1,594,210
61$3,470,330$0$0$1,700,597
62$3,701,751$0$0$1,816,064
63$3,952,917$0$0$1,941,481
64$4,225,720$0$0$2,077,807
65$4,522,241$0$0$2,226,094
66$4,844,771$0$0$2,387,502
67$5,195,829$0$0$2,563,305
68$5,578,186$0$0$2,754,907
69$5,994,894$0$0$2,963,852
70$6,449,310$0$0$3,191,839
71$6,945,128$0$0$3,440,740
72$7,486,417$0$0$3,712,614
73$8,077,653$0$0$4,009,728
74$8,723,766$0$0$4,334,578
75$9,430,181$0$0$4,689,912
76$10,202,872$0$0$5,078,756
77$11,048,419$0$0$5,504,442
78$11,974,065$0$0$5,970,639
79$12,987,786$0$0$6,481,388
80$14,098,366$0$0$7,041,138
81$15,315,478$0$0$7,654,790
82$16,649,777$0$0$8,327,742
83$18,112,996$0$0$9,065,938
84$19,718,059$0$0$9,875,925
85$21,479,201$0$0$10,764,917
86$23,412,102$0$0$11,740,859
87$25,534,032$0$0$12,812,501
88$27,864,016$0$0$13,989,483
89$30,423,013$0$0$15,282,427
90$33,234,109$0$0$16,703,030
91$36,322,736$0$0$18,264,181
92$39,716,915$0$0$19,980,078
93$43,447,511$0$0$21,866,366
94$47,548,531$0$0$23,940,277
95$52,057,441$0$0$26,220,798
96$57,015,517$0$0$28,728,848
97$62,468,235$0$0$31,487,477
98$68,465,700$0$0$34,522,076
99$75,063,117$0$0$37,860,624
100$82,321,308$0$0$41,533,950