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%16.2%
1 years$68,375$67,766$67,172$66,592$66,026$64,351
2 years$33,849$33,219$32,608$32,015$31,441$29,765
3 years$22,342$21,709$21,099$20,513$19,947$18,322
4 years$16,590$15,958$15,355$14,778$14,227$12,665
5 years$13,139$12,512$11,916$11,351$10,815$9,320
6 years$10,839$10,217$9,630$9,078$8,557$7,132
7 years$9,197$8,580$8,003$7,463$6,959$5,603
8 years$7,966$7,355$6,787$6,261$5,774$4,486
9 years$7,010$6,403$5,845$5,333$4,862$3,642
10 years$6,244$5,644$5,096$4,597$4,143$2,989
11 years$5,619$5,025$4,487$4,001$3,563$2,473
12 years$5,098$4,510$3,982$3,509$3,088$2,060
13 years$4,658$4,076$3,557$3,098$2,692$1,725
14 years$4,280$3,705$3,196$2,750$2,360$1,451
15 years$3,954$3,384$2,886$2,453$2,078$1,225
16 years$3,668$3,105$2,617$2,196$1,837$1,037
17 years$3,417$2,860$2,381$1,973$1,628$881
18 years$3,193$2,642$2,173$1,778$1,448$749
19 years$2,994$2,449$1,990$1,607$1,291$638
20 years$2,814$2,276$1,826$1,455$1,153$545
21 years$2,652$2,120$1,680$1,321$1,032$465
22 years$2,505$1,979$1,548$1,201$925$398
23 years$2,370$1,851$1,429$1,094$830$341
24 years$2,248$1,734$1,322$997$746$292
25 years$2,135$1,627$1,224$911$671$250
26 years$2,031$1,529$1,136$833$605$215
27 years$1,935$1,439$1,054$762$545$184
28 years$1,845$1,356$980$698$492$158
29 years$1,763$1,279$912$641$444$136
30 years$1,685$1,208$850$588$401$117
31 years$1,613$1,142$792$540$363$100
32 years$1,546$1,081$739$496$328$86
33 years$1,483$1,024$690$456$297$74
34 years$1,423$970$645$420$269$64
35 years$1,368$920$603$386$244$55
36 years$1,315$873$564$356$221$47
37 years$1,265$829$528$328$200$40
38 years$1,218$788$494$302$181$35
39 years$1,174$750$463$279$164$30
40 years$1,132$713$434$257$149$26
41 years$1,092$679$407$237$135$22
42 years$1,054$647$382$219$123$19
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$8
49 years$834$465$246$126$62$7
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 $3,119 every year, while hoping to spend $43,424 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: 79/9/12 Blend
34$828,000$828,000$828,000$828,000
35$915,673$871,789$858,955$985,714
36$962,869$868,304$841,527$1,028,710
37$1,013,424$863,193$822,060$1,069,954
38$1,067,633$856,330$800,440$1,113,953
39$1,125,824$847,582$776,547$1,160,961
40$1,188,353$836,808$750,256$1,211,262
41$1,255,612$823,859$721,437$1,265,166
42$1,328,032$808,576$689,952$1,323,017
43$1,406,086$790,791$655,660$1,385,193
44$1,490,293$770,326$618,411$1,452,112
45$1,581,224$746,993$578,049$1,524,232
46$1,679,506$720,592$534,411$1,602,061
47$1,785,828$690,914$487,326$1,686,158
48$1,900,948$657,734$436,617$1,777,140
49$2,025,698$620,817$382,097$1,875,686
50$2,160,995$579,913$323,573$1,982,547
51$2,307,846$534,757$260,842$2,098,549
52$2,467,357$485,072$193,692$2,224,604
53$2,640,749$430,561$121,901$2,361,718
54$2,829,360$370,914$45,240$2,511,000
55$3,034,667$305,801$0$2,673,674
56$3,258,291$234,873$0$2,855,770
57$3,502,019$157,764$0$3,060,579
58$3,767,815$74,085$0$3,283,979
59$4,057,843$0$0$3,527,811
60$4,374,484$0$0$3,795,751
61$4,720,359$0$0$4,096,466
62$5,098,353$0$0$4,425,131
63$5,511,642$0$0$4,784,511
64$5,963,725$0$0$5,177,650
65$6,458,452$0$0$5,607,900
66$7,000,063$0$0$6,078,953
67$7,593,228$0$0$6,594,873
68$8,243,090$0$0$7,160,137
69$8,955,311$0$0$7,779,675
70$9,736,129$0$0$8,458,915
71$10,592,412$0$0$9,203,838
72$11,531,728$0$0$10,021,029
73$12,562,408$0$0$10,917,743
74$13,693,633$0$0$11,901,971
75$14,935,513$0$0$12,982,515
76$16,299,186$0$0$14,169,071
77$17,796,922$0$0$15,472,319
78$19,442,237$0$0$16,904,025
79$21,250,020$0$0$18,477,151
80$23,236,673$0$0$20,205,978
81$25,420,269$0$0$22,106,235
82$27,820,715$0$0$24,195,255
83$30,459,945$0$0$26,492,132
84$33,362,125$0$0$29,017,902
85$36,553,878$0$0$31,795,744
86$40,064,538$0$0$34,851,193
87$43,926,422$0$0$38,212,384
88$48,175,142$0$0$41,910,318
89$52,849,929$0$0$45,979,150
90$57,994,014$0$0$50,456,513
91$63,655,028$0$0$55,383,873
92$69,885,452$0$0$60,806,918
93$76,743,114$0$0$66,775,992
94$84,291,732$0$0$73,346,564
95$92,601,514$0$0$80,579,757
96$101,749,824$0$0$88,542,918
97$111,821,904$0$0$97,310,259
98$122,911,685$0$0$106,963,551
99$135,122,667$0$0$117,592,899
100$148,568,901$0$0$129,297,592