Can I retire at age 35 with 829,000?

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 $829,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$68,458$67,848$67,253$66,673$66,106$64,508
2 years$33,890$33,259$32,647$32,054$31,479$29,878
3 years$22,369$21,735$21,125$20,537$19,971$18,419
4 years$16,610$15,978$15,374$14,796$14,244$12,751
5 years$13,155$12,527$11,930$11,365$10,828$9,399
6 years$10,852$10,229$9,642$9,089$8,568$7,204
7 years$9,208$8,590$8,012$7,472$6,968$5,669
8 years$7,976$7,363$6,795$6,268$5,781$4,547
9 years$7,018$6,411$5,853$5,339$4,868$3,698
10 years$6,252$5,651$5,102$4,602$4,148$3,040
11 years$5,626$5,031$4,492$4,005$3,567$2,521
12 years$5,104$4,515$3,987$3,513$3,091$2,104
13 years$4,663$4,081$3,562$3,102$2,696$1,766
14 years$4,286$3,709$3,200$2,753$2,363$1,488
15 years$3,959$3,388$2,889$2,456$2,081$1,259
16 years$3,673$3,109$2,620$2,199$1,839$1,068
17 years$3,421$2,863$2,384$1,975$1,630$909
18 years$3,197$2,646$2,176$1,780$1,450$775
19 years$2,997$2,452$1,992$1,609$1,292$662
20 years$2,818$2,278$1,828$1,457$1,154$566
21 years$2,655$2,122$1,682$1,322$1,033$485
22 years$2,508$1,981$1,550$1,202$926$415
23 years$2,373$1,853$1,431$1,095$831$356
24 years$2,250$1,736$1,323$999$747$306
25 years$2,137$1,629$1,226$912$672$263
26 years$2,033$1,531$1,137$834$605$226
27 years$1,937$1,441$1,056$763$546$194
28 years$1,848$1,358$981$699$493$167
29 years$1,765$1,281$913$641$445$144
30 years$1,687$1,210$851$589$402$124
31 years$1,615$1,144$793$541$363$107
32 years$1,548$1,082$740$497$329$92
33 years$1,485$1,025$691$457$297$79
34 years$1,425$971$646$420$269$68
35 years$1,369$921$604$387$244$59
36 years$1,317$874$565$356$221$51
37 years$1,267$830$528$328$200$44
38 years$1,220$789$495$303$182$38
39 years$1,176$750$464$279$165$33
40 years$1,133$714$435$257$149$28
41 years$1,093$680$407$237$136$24
42 years$1,055$647$382$219$123$21
43 years$1,019$617$359$202$112$18
44 years$985$588$337$187$101$16
45 years$952$561$316$173$92$13
46 years$921$535$297$159$83$12
47 years$891$510$279$147$76$10
48 years$863$487$262$136$69$9
49 years$835$465$246$126$63$7
50 years$809$444$232$116$57$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $829,000, adding $3,277 every year, while hoping to spend $40,255 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: 64/29/7 Blend
34$829,000$829,000$829,000$829,000
35$916,938$873,001$860,152$974,225
36$967,635$872,947$846,136$1,012,732
37$1,022,153$871,542$830,301$1,049,720
38$1,080,841$868,675$812,544$1,089,068
39$1,144,080$864,233$792,757$1,131,004
40$1,212,288$858,092$770,827$1,175,776
41$1,285,926$850,123$746,634$1,223,662
42$1,365,499$840,188$720,055$1,274,967
43$1,451,564$828,141$690,961$1,330,030
44$1,544,731$813,828$659,216$1,389,226
45$1,645,672$797,084$624,678$1,452,966
46$1,755,126$777,736$587,199$1,521,711
47$1,873,904$755,600$546,626$1,595,964
48$2,002,899$730,482$502,795$1,676,285
49$2,143,095$702,176$455,539$1,763,292
50$2,295,571$670,463$404,680$1,857,670
51$2,461,518$635,114$350,035$1,960,172
52$2,642,242$595,884$291,411$2,071,634
53$2,839,184$552,516$228,607$2,192,978
54$3,053,929$504,737$161,413$2,325,224
55$3,288,220$452,259$89,610$2,469,499
56$3,543,976$394,778$12,970$2,627,047
57$3,823,311$331,971$0$2,799,243
58$4,128,550$263,499$0$2,992,747
59$4,462,254$189,003$0$3,205,465
60$4,827,243$108,103$0$3,438,299
61$5,226,620$20,398$0$3,693,319
62$5,663,804$0$0$3,972,805
63$6,142,560$0$0$4,303,061
64$6,667,031$0$0$4,672,042
65$7,241,784$0$0$5,076,456
66$7,871,844$0$0$5,519,847
67$8,562,750$0$0$6,006,121
68$9,320,599$0$0$6,539,577
69$10,152,110$0$0$7,124,952
70$11,064,679$0$0$7,767,463
71$12,066,459$0$0$8,472,856
72$13,166,424$0$0$9,247,463
73$14,374,466$0$0$10,098,256
74$15,701,478$0$0$11,032,918
75$17,159,460$0$0$12,059,912
76$18,761,635$0$0$13,188,560
77$20,522,566$0$0$14,429,135
78$22,458,300$0$0$15,792,952
79$24,586,516$0$0$17,292,477
80$26,926,691$0$0$18,941,446
81$29,500,282$0$0$20,754,992
82$32,330,932$0$0$22,749,788
83$35,444,689$0$0$24,944,203
84$38,870,254$0$0$27,358,477
85$42,639,248$0$0$30,014,911
86$46,786,512$0$0$32,938,076
87$51,350,437$0$0$36,155,046
88$56,373,320$0$0$39,695,651
89$61,901,769$0$0$43,592,761
90$67,987,138$0$0$47,882,593
91$74,686,014$0$0$52,605,054
92$82,060,748$0$0$57,804,116
93$90,180,042$0$0$63,528,234
94$99,119,600$0$0$69,830,796
95$108,962,841$0$0$76,770,635
96$119,801,684$0$0$84,412,575
97$131,737,414$0$0$92,828,051
98$144,881,642$0$0$102,095,775
99$159,357,352$0$0$112,302,484
100$175,300,064$0$0$123,543,754