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%15.3%
1 years$68,458$67,848$67,253$66,673$66,106$64,665
2 years$33,890$33,259$32,647$32,054$31,479$30,035
3 years$22,369$21,735$21,125$20,537$19,971$18,569
4 years$16,610$15,978$15,374$14,796$14,244$12,894
5 years$13,155$12,527$11,930$11,365$10,828$9,534
6 years$10,852$10,229$9,642$9,089$8,568$7,331
7 years$9,208$8,590$8,012$7,472$6,968$5,789
8 years$7,976$7,363$6,795$6,268$5,781$4,659
9 years$7,018$6,411$5,853$5,339$4,868$3,803
10 years$6,252$5,651$5,102$4,602$4,148$3,139
11 years$5,626$5,031$4,492$4,005$3,567$2,612
12 years$5,104$4,515$3,987$3,513$3,091$2,189
13 years$4,663$4,081$3,562$3,102$2,696$1,844
14 years$4,286$3,709$3,200$2,753$2,363$1,561
15 years$3,959$3,388$2,889$2,456$2,081$1,326
16 years$3,673$3,109$2,620$2,199$1,839$1,130
17 years$3,421$2,863$2,384$1,975$1,630$965
18 years$3,197$2,646$2,176$1,780$1,450$827
19 years$2,997$2,452$1,992$1,609$1,292$709
20 years$2,818$2,278$1,828$1,457$1,154$609
21 years$2,655$2,122$1,682$1,322$1,033$524
22 years$2,508$1,981$1,550$1,202$926$451
23 years$2,373$1,853$1,431$1,095$831$389
24 years$2,250$1,736$1,323$999$747$336
25 years$2,137$1,629$1,226$912$672$290
26 years$2,033$1,531$1,137$834$605$250
27 years$1,937$1,441$1,056$763$546$216
28 years$1,848$1,358$981$699$493$187
29 years$1,765$1,281$913$641$445$162
30 years$1,687$1,210$851$589$402$140
31 years$1,615$1,144$793$541$363$121
32 years$1,548$1,082$740$497$329$105
33 years$1,485$1,025$691$457$297$91
34 years$1,425$971$646$420$269$79
35 years$1,369$921$604$387$244$68
36 years$1,317$874$565$356$221$59
37 years$1,267$830$528$328$200$51
38 years$1,220$789$495$303$182$44
39 years$1,176$750$464$279$165$39
40 years$1,133$714$435$257$149$33
41 years$1,093$680$407$237$136$29
42 years$1,055$647$382$219$123$25
43 years$1,019$617$359$202$112$22
44 years$985$588$337$187$101$19
45 years$952$561$316$173$92$16
46 years$921$535$297$159$83$14
47 years$891$510$279$147$76$12
48 years$863$487$262$136$69$11
49 years$835$465$246$126$63$9
50 years$809$444$232$116$57$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $829,000, adding $5,280 every year, while hoping to spend $41,988 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: 40/33/27 Blend
34$829,000$829,000$829,000$829,000
35$919,004$875,067$862,218$948,257
36$968,068$873,271$846,427$968,165
37$1,020,729$869,979$828,700$985,385
38$1,077,309$865,074$808,928$1,003,206
39$1,138,164$858,432$786,996$1,021,710
40$1,203,681$849,919$762,785$1,040,989
41$1,274,288$839,397$736,170$1,061,148
42$1,350,453$826,715$707,019$1,082,306
43$1,432,692$811,717$675,197$1,104,597
44$1,521,571$794,236$640,561$1,128,174
45$1,617,712$774,094$602,961$1,153,208
46$1,721,799$751,105$562,240$1,179,891
47$1,834,585$725,071$518,237$1,208,442
48$1,956,894$695,782$470,780$1,239,105
49$2,089,638$663,015$419,692$1,272,155
50$2,233,815$626,537$364,786$1,307,899
51$2,390,526$586,100$305,868$1,346,681
52$2,560,981$541,440$242,735$1,388,889
53$2,746,511$492,280$175,177$1,434,953
54$2,948,581$438,327$102,971$1,485,357
55$3,168,802$379,271$25,886$1,540,640
56$3,408,949$314,784$0$1,601,402
57$3,670,974$244,521$0$1,684,557
58$3,957,027$168,116$0$1,783,625
59$4,269,473$85,183$0$1,892,049
60$4,610,916$0$0$2,010,836
61$4,984,224$0$0$2,142,801
62$5,392,555$0$0$2,321,084
63$5,839,382$0$0$2,516,283
64$6,328,536$0$0$2,730,084
65$6,864,229$0$0$2,964,342
66$7,451,103$0$0$3,221,102
67$8,094,271$0$0$3,502,615
68$8,799,361$0$0$3,811,361
69$9,572,574$0$0$4,150,070
70$10,420,738$0$0$4,521,751
71$11,351,376$0$0$4,929,717
72$12,372,772$0$0$5,377,618
73$13,494,052$0$0$5,869,475
74$14,725,269$0$0$6,409,716
75$16,077,498$0$0$7,003,221
76$17,562,936$0$0$7,655,365
77$19,195,024$0$0$8,372,068
78$20,988,566$0$0$9,159,855
79$22,959,872$0$0$10,025,912
80$25,126,911$0$0$10,978,156
81$27,509,480$0$0$12,025,312
82$30,129,389$0$0$13,176,991
83$33,010,668$0$0$14,443,781
84$36,179,792$0$0$15,837,351
85$39,665,930$0$0$17,370,553
86$43,501,223$0$0$19,057,553
87$47,721,080$0$0$20,913,956
88$52,364,519$0$0$22,956,957
89$57,474,529$0$0$25,205,502
90$63,098,479$0$0$27,680,467
91$69,288,560$0$0$30,404,854
92$76,102,281$0$0$33,404,010
93$83,603,010$0$0$36,705,862
94$91,860,569$0$0$40,341,184
95$100,951,897$0$0$44,343,886
96$110,961,768$0$0$48,751,333
97$121,983,599$0$0$53,604,697
98$134,120,324$0$0$58,949,346
99$147,485,369$0$0$64,835,275
100$162,203,719$0$0$71,317,571