Can I retire at age 35 with 829,000?

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 $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%18.7%
1 years$68,458$67,848$67,253$66,673$66,106$63,786
2 years$33,890$33,259$32,647$32,054$31,479$29,166
3 years$22,369$21,735$21,125$20,537$19,971$17,738
4 years$16,610$15,978$15,374$14,796$14,244$12,107
5 years$13,155$12,527$11,930$11,365$10,828$8,794
6 years$10,852$10,229$9,642$9,089$8,568$6,637
7 years$9,208$8,590$8,012$7,472$6,968$5,141
8 years$7,976$7,363$6,795$6,268$5,781$4,056
9 years$7,018$6,411$5,853$5,339$4,868$3,243
10 years$6,252$5,651$5,102$4,602$4,148$2,620
11 years$5,626$5,031$4,492$4,005$3,567$2,133
12 years$5,104$4,515$3,987$3,513$3,091$1,748
13 years$4,663$4,081$3,562$3,102$2,696$1,439
14 years$4,286$3,709$3,200$2,753$2,363$1,190
15 years$3,959$3,388$2,889$2,456$2,081$987
16 years$3,673$3,109$2,620$2,199$1,839$821
17 years$3,421$2,863$2,384$1,975$1,630$684
18 years$3,197$2,646$2,176$1,780$1,450$571
19 years$2,997$2,452$1,992$1,609$1,292$478
20 years$2,818$2,278$1,828$1,457$1,154$400
21 years$2,655$2,122$1,682$1,322$1,033$335
22 years$2,508$1,981$1,550$1,202$926$281
23 years$2,373$1,853$1,431$1,095$831$236
24 years$2,250$1,736$1,323$999$747$198
25 years$2,137$1,629$1,226$912$672$166
26 years$2,033$1,531$1,137$834$605$140
27 years$1,937$1,441$1,056$763$546$118
28 years$1,848$1,358$981$699$493$99
29 years$1,765$1,281$913$641$445$83
30 years$1,687$1,210$851$589$402$70
31 years$1,615$1,144$793$541$363$59
32 years$1,548$1,082$740$497$329$50
33 years$1,485$1,025$691$457$297$42
34 years$1,425$971$646$420$269$35
35 years$1,369$921$604$387$244$30
36 years$1,317$874$565$356$221$25
37 years$1,267$830$528$328$200$21
38 years$1,220$789$495$303$182$18
39 years$1,176$750$464$279$165$15
40 years$1,133$714$435$257$149$13
41 years$1,093$680$407$237$136$11
42 years$1,055$647$382$219$123$9
43 years$1,019$617$359$202$112$8
44 years$985$588$337$187$101$6
45 years$952$561$316$173$92$5
46 years$921$535$297$159$83$4
47 years$891$510$279$147$76$4
48 years$863$487$262$136$69$3
49 years$835$465$246$126$63$3
50 years$809$444$232$116$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $829,000, adding $3,458 every year, while hoping to spend $48,324 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: 60/29/11 Blend
34$829,000$829,000$829,000$829,000
35$917,125$873,188$860,338$969,561
36$959,255$864,558$837,743$996,572
37$1,004,063$853,885$812,772$1,020,242
38$1,051,771$841,019$785,293$1,044,881
39$1,102,622$825,799$755,171$1,070,585
40$1,156,882$808,056$722,261$1,097,463
41$1,214,843$787,609$686,416$1,125,637
42$1,276,825$764,270$647,479$1,155,242
43$1,343,178$737,836$605,286$1,186,431
44$1,414,287$708,095$559,668$1,219,374
45$1,490,573$674,820$510,446$1,254,260
46$1,572,499$637,774$457,433$1,291,302
47$1,660,573$596,705$400,437$1,330,738
48$1,755,353$551,344$339,253$1,372,832
49$1,857,450$501,411$273,669$1,417,879
50$1,967,537$446,608$203,464$1,466,207
51$2,086,353$386,619$128,407$1,518,184
52$2,214,709$321,111$48,257$1,574,217
53$2,353,498$249,734$0$1,634,761
54$2,503,698$172,115$0$1,704,696
55$2,666,389$87,862$0$1,786,539
56$2,842,755$0$0$1,875,276
57$3,034,098$0$0$1,972,734
58$3,241,851$0$0$2,109,048
59$3,467,592$0$0$2,257,222
60$3,713,052$0$0$2,418,401
61$3,980,141$0$0$2,593,844
62$4,270,955$0$0$2,784,939
63$4,587,805$0$0$2,993,211
64$4,933,232$0$0$3,220,340
65$5,310,032$0$0$3,468,173
66$5,721,285$0$0$3,738,745
67$6,170,380$0$0$4,034,294
68$6,661,046$0$0$4,357,287
69$7,197,390$0$0$4,710,438
70$7,783,934$0$0$5,096,734
71$8,425,657$0$0$5,519,466
72$9,128,040$0$0$5,982,257
73$9,897,120$0$0$6,489,096
74$10,739,543$0$0$7,044,378
75$11,662,630$0$0$7,652,940
76$12,674,443$0$0$8,320,112
77$13,783,862$0$0$9,051,762
78$15,000,664$0$0$9,854,355
79$16,335,623$0$0$10,735,011
80$17,800,601$0$0$11,701,572
81$19,408,667$0$0$12,762,678
82$21,174,217$0$0$13,927,844
83$23,113,108$0$0$15,207,553
84$25,242,808$0$0$16,613,353
85$27,582,560$0$0$18,157,966
86$30,153,564$0$0$19,855,406
87$32,979,175$0$0$21,721,112
88$36,085,121$0$0$23,772,095
89$39,499,749$0$0$26,027,095
90$43,254,288$0$0$28,506,756
91$47,383,145$0$0$31,233,828
92$51,924,229$0$0$34,233,372
93$56,919,306$0$0$37,533,000
94$62,414,392$0$0$41,163,137
95$68,460,191$0$0$45,157,304
96$75,112,567$0$0$49,552,434
97$82,433,072$0$0$54,389,224
98$90,489,528$0$0$59,712,514
99$99,356,664$0$0$65,571,711
100$109,116,819$0$0$72,021,253