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%18.1%
1 years$68,458$67,848$67,253$66,673$66,106$63,938
2 years$33,890$33,259$32,647$32,054$31,479$29,316
3 years$22,369$21,735$21,125$20,537$19,971$17,881
4 years$16,610$15,978$15,374$14,796$14,244$12,242
5 years$13,155$12,527$11,930$11,365$10,828$8,920
6 years$10,852$10,229$9,642$9,089$8,568$6,755
7 years$9,208$8,590$8,012$7,472$6,968$5,250
8 years$7,976$7,363$6,795$6,268$5,781$4,156
9 years$7,018$6,411$5,853$5,339$4,868$3,336
10 years$6,252$5,651$5,102$4,602$4,148$2,705
11 years$5,626$5,031$4,492$4,005$3,567$2,211
12 years$5,104$4,515$3,987$3,513$3,091$1,819
13 years$4,663$4,081$3,562$3,102$2,696$1,504
14 years$4,286$3,709$3,200$2,753$2,363$1,249
15 years$3,959$3,388$2,889$2,456$2,081$1,040
16 years$3,673$3,109$2,620$2,199$1,839$869
17 years$3,421$2,863$2,384$1,975$1,630$727
18 years$3,197$2,646$2,176$1,780$1,450$610
19 years$2,997$2,452$1,992$1,609$1,292$512
20 years$2,818$2,278$1,828$1,457$1,154$431
21 years$2,655$2,122$1,682$1,322$1,033$363
22 years$2,508$1,981$1,550$1,202$926$306
23 years$2,373$1,853$1,431$1,095$831$258
24 years$2,250$1,736$1,323$999$747$218
25 years$2,137$1,629$1,226$912$672$184
26 years$2,033$1,531$1,137$834$605$155
27 years$1,937$1,441$1,056$763$546$131
28 years$1,848$1,358$981$699$493$111
29 years$1,765$1,281$913$641$445$94
30 years$1,687$1,210$851$589$402$79
31 years$1,615$1,144$793$541$363$67
32 years$1,548$1,082$740$497$329$57
33 years$1,485$1,025$691$457$297$48
34 years$1,425$971$646$420$269$41
35 years$1,369$921$604$387$244$34
36 years$1,317$874$565$356$221$29
37 years$1,267$830$528$328$200$25
38 years$1,220$789$495$303$182$21
39 years$1,176$750$464$279$165$18
40 years$1,133$714$435$257$149$15
41 years$1,093$680$407$237$136$13
42 years$1,055$647$382$219$123$11
43 years$1,019$617$359$202$112$9
44 years$985$588$337$187$101$8
45 years$952$561$316$173$92$6
46 years$921$535$297$159$83$5
47 years$891$510$279$147$76$5
48 years$863$487$262$136$69$4
49 years$835$465$246$126$63$3
50 years$809$444$232$116$57$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $829,000, adding $4,704 every year, while hoping to spend $24,140 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: 48/36/16 Blend
34$829,000$829,000$829,000$829,000
35$918,410$874,473$861,624$958,167
36$986,403$891,638$864,803$1,003,338
37$1,060,523$908,834$867,280$1,049,506
38$1,141,367$926,038$869,006$1,099,112
39$1,229,598$943,225$869,928$1,152,487
40$1,325,939$960,366$869,994$1,209,996
41$1,431,192$977,431$869,145$1,272,040
42$1,546,236$994,387$867,324$1,339,064
43$1,672,039$1,011,199$864,467$1,411,556
44$1,809,670$1,027,830$860,509$1,490,055
45$1,960,301$1,044,240$855,381$1,575,157
46$2,125,228$1,060,383$849,012$1,667,517
47$2,305,874$1,076,214$841,327$1,767,858
48$2,503,807$1,091,683$832,246$1,876,979
49$2,720,756$1,106,737$821,686$1,995,759
50$2,958,623$1,121,317$809,563$2,125,170
51$3,219,504$1,135,362$795,784$2,266,281
52$3,505,706$1,148,807$780,255$2,420,272
53$3,819,771$1,161,582$762,877$2,588,447
54$4,164,501$1,173,613$743,547$2,772,240
55$4,542,979$1,184,819$722,154$2,973,236
56$4,958,603$1,195,115$698,587$3,193,181
57$5,415,117$1,204,412$672,726$3,434,001
58$5,916,643$1,212,612$644,446$3,697,821
59$6,467,724$1,219,614$613,619$3,986,982
60$7,073,364$1,225,307$580,107$4,304,069
61$7,739,076$1,229,577$543,770$4,651,930
62$8,470,935$1,232,298$504,459$5,033,708
63$9,275,630$1,233,341$462,019$5,452,866
64$10,160,536$1,232,566$416,287$5,913,225
65$11,133,774$1,229,825$367,096$6,418,998
66$12,204,293$1,224,961$314,268$6,974,831
67$13,381,953$1,217,806$257,619$7,585,844
68$14,677,619$1,208,186$196,956$8,257,688
69$16,103,260$1,195,911$132,078$8,996,588
70$17,672,066$1,180,783$62,775$9,809,412
71$19,398,566$1,162,591$0$10,703,732
72$21,298,775$1,141,113$0$11,689,803
73$23,390,333$1,116,111$0$12,786,481
74$25,692,682$1,087,335$0$13,993,226
75$28,227,240$1,054,519$0$15,321,269
76$31,017,612$1,017,384$0$16,782,987
77$34,089,805$975,632$0$18,392,025
78$37,472,476$928,949$0$20,163,424
79$41,197,202$877,001$0$22,113,760
80$45,298,781$819,438$0$24,261,306
81$49,815,553$755,888$0$26,626,203
82$54,789,770$685,957$0$29,230,651
83$60,267,988$609,229$0$32,099,118
84$66,301,508$525,267$0$35,258,577
85$72,946,861$433,605$0$38,738,753
86$80,266,343$333,753$0$42,572,413
87$88,328,597$225,195$0$46,795,671
88$97,209,267$107,382$0$51,448,331
89$106,991,706$0$0$56,574,267
90$117,767,767$0$0$62,229,862
91$129,638,668$0$0$68,507,060
92$142,715,947$0$0$75,422,319
93$157,122,513$0$0$83,040,652
94$172,993,810$0$0$91,433,700
95$190,479,090$0$0$100,680,411
96$209,742,826$0$0$110,867,782
97$230,966,261$0$0$122,091,680
98$254,349,121$0$0$134,457,750
99$280,111,498$0$0$148,082,410
100$308,495,929$0$0$163,093,950