Can I retire at age 35 with 828,000?

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 $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%11.1%
1 years$68,375$67,766$67,172$66,592$66,026$65,720
2 years$33,849$33,219$32,608$32,015$31,441$31,132
3 years$22,342$21,709$21,099$20,513$19,947$19,645
4 years$16,590$15,958$15,355$14,778$14,227$13,934
5 years$13,139$12,512$11,916$11,351$10,815$10,532
6 years$10,839$10,217$9,630$9,078$8,557$8,285
7 years$9,197$8,580$8,003$7,463$6,959$6,697
8 years$7,966$7,355$6,787$6,261$5,774$5,521
9 years$7,010$6,403$5,845$5,333$4,862$4,620
10 years$6,244$5,644$5,096$4,597$4,143$3,911
11 years$5,619$5,025$4,487$4,001$3,563$3,341
12 years$5,098$4,510$3,982$3,509$3,088$2,876
13 years$4,658$4,076$3,557$3,098$2,692$2,491
14 years$4,280$3,705$3,196$2,750$2,360$2,168
15 years$3,954$3,384$2,886$2,453$2,078$1,895
16 years$3,668$3,105$2,617$2,196$1,837$1,662
17 years$3,417$2,860$2,381$1,973$1,628$1,463
18 years$3,193$2,642$2,173$1,778$1,448$1,291
19 years$2,994$2,449$1,990$1,607$1,291$1,142
20 years$2,814$2,276$1,826$1,455$1,153$1,012
21 years$2,652$2,120$1,680$1,321$1,032$898
22 years$2,505$1,979$1,548$1,201$925$799
23 years$2,370$1,851$1,429$1,094$830$711
24 years$2,248$1,734$1,322$997$746$634
25 years$2,135$1,627$1,224$911$671$566
26 years$2,031$1,529$1,136$833$605$505
27 years$1,935$1,439$1,054$762$545$452
28 years$1,845$1,356$980$698$492$404
29 years$1,763$1,279$912$641$444$362
30 years$1,685$1,208$850$588$401$324
31 years$1,613$1,142$792$540$363$290
32 years$1,546$1,081$739$496$328$260
33 years$1,483$1,024$690$456$297$233
34 years$1,423$970$645$420$269$209
35 years$1,368$920$603$386$244$188
36 years$1,315$873$564$356$221$169
37 years$1,265$829$528$328$200$152
38 years$1,218$788$494$302$181$136
39 years$1,174$750$463$279$164$122
40 years$1,132$713$434$257$149$110
41 years$1,092$679$407$237$135$99
42 years$1,054$647$382$219$123$89
43 years$1,018$616$358$202$111$80
44 years$984$587$336$187$101$72
45 years$951$560$316$172$92$65
46 years$920$534$297$159$83$58
47 years$890$510$279$147$76$52
48 years$862$487$262$136$69$47
49 years$834$465$246$126$62$42
50 years$808$444$231$116$57$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $828,000, adding $3,760 every year, while hoping to spend $49,613 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: 36/35/29 Blend
34$828,000$828,000$828,000$828,000
35$916,334$872,450$859,616$941,242
36$957,013$862,413$835,626$950,107
37$1,000,177$850,220$809,169$954,931
38$1,046,030$835,715$780,110$959,196
39$1,094,789$818,730$748,308$962,885
40$1,146,698$799,088$713,617$965,985
41$1,202,019$776,601$675,880$968,485
42$1,261,040$751,070$634,938$970,379
43$1,324,079$722,285$590,621$971,664
44$1,391,482$690,024$542,754$972,344
45$1,463,629$654,051$491,152$972,429
46$1,540,937$614,117$435,623$971,934
47$1,623,863$569,959$375,967$970,883
48$1,712,908$521,298$311,973$969,313
49$1,808,624$467,841$243,423$967,266
50$1,911,613$409,275$170,088$964,800
51$2,022,541$345,273$91,729$961,987
52$2,142,136$275,487$8,098$958,913
53$2,271,198$199,550$0$955,684
54$2,410,607$117,075$0$977,537
55$2,561,331$27,653$0$1,003,814
56$2,724,430$0$0$1,032,270
57$2,901,073$0$0$1,089,833
58$3,092,545$0$0$1,163,869
59$3,300,257$0$0$1,244,288
60$3,525,763$0$0$1,331,704
61$3,770,769$0$0$1,426,791
62$4,037,156$0$0$1,530,294
63$4,326,990$0$0$1,643,030
64$4,642,546$0$0$1,765,899
65$4,986,325$0$0$1,899,893
66$5,361,082$0$0$2,046,101
67$5,769,849$0$0$2,205,723
68$6,215,961$0$0$2,380,081
69$6,703,090$0$0$2,570,629
70$7,235,278$0$0$2,778,967
71$7,816,978$0$0$3,006,859
72$8,453,087$0$0$3,256,246
73$9,149,000$0$0$3,529,265
74$9,910,658$0$0$3,828,270
75$10,744,602$0$0$4,155,852
76$11,658,035$0$0$4,514,867
77$12,658,888$0$0$4,908,457
78$13,755,898$0$0$5,340,085
79$14,958,686$0$0$5,813,564
80$16,277,848$0$0$6,333,096
81$17,725,056$0$0$6,903,306
82$19,313,166$0$0$7,529,290
83$21,056,337$0$0$8,216,664
84$22,970,169$0$0$8,971,610
85$25,071,844$0$0$9,800,941
86$27,380,289$0$0$10,712,162
87$29,916,355$0$0$11,713,541
88$32,703,013$0$0$12,814,185
89$35,765,570$0$0$14,024,130
90$39,131,902$0$0$15,354,431
91$42,832,725$0$0$16,817,267
92$46,901,877$0$0$18,426,058
93$51,376,640$0$0$20,195,589
94$56,298,088$0$0$22,142,149
95$61,711,475$0$0$24,283,687
96$67,666,664$0$0$26,639,977
97$74,218,592$0$0$29,232,809
98$81,427,790$0$0$32,086,189
99$89,360,951$0$0$35,226,570
100$98,091,561$0$0$38,683,100