Can I retire at age 35 with 830,000?

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 $830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$68,541$67,930$67,334$66,753$66,185$64,377
2 years$33,931$33,299$32,687$32,093$31,517$29,708
3 years$22,396$21,761$21,150$20,562$19,996$18,243
4 years$16,630$15,997$15,392$14,814$14,261$12,578
5 years$13,171$12,542$11,945$11,378$10,841$9,232
6 years$10,865$10,241$9,653$9,099$8,578$7,045
7 years$9,220$8,601$8,022$7,481$6,976$5,520
8 years$7,986$7,372$6,803$6,276$5,788$4,406
9 years$7,026$6,419$5,860$5,346$4,874$3,566
10 years$6,260$5,658$5,109$4,608$4,153$2,917
11 years$5,633$5,037$4,497$4,010$3,572$2,407
12 years$5,110$4,521$3,991$3,518$3,095$1,998
13 years$4,669$4,086$3,566$3,105$2,699$1,668
14 years$4,291$3,714$3,204$2,757$2,366$1,398
15 years$3,963$3,393$2,893$2,458$2,083$1,176
16 years$3,677$3,113$2,623$2,201$1,841$992
17 years$3,425$2,867$2,387$1,978$1,632$839
18 years$3,201$2,649$2,179$1,782$1,451$711
19 years$3,001$2,455$1,995$1,611$1,294$604
20 years$2,821$2,281$1,830$1,459$1,156$513
21 years$2,658$2,125$1,684$1,324$1,034$437
22 years$2,511$1,983$1,552$1,204$927$372
23 years$2,376$1,855$1,433$1,096$832$317
24 years$2,253$1,738$1,325$1,000$748$271
25 years$2,140$1,631$1,227$913$673$231
26 years$2,036$1,533$1,138$835$606$197
27 years$1,939$1,443$1,057$764$547$169
28 years$1,850$1,359$983$700$493$144
29 years$1,767$1,283$914$642$445$123
30 years$1,690$1,211$852$589$402$106
31 years$1,617$1,145$794$541$364$90
32 years$1,550$1,083$741$497$329$77
33 years$1,486$1,026$692$457$298$66
34 years$1,427$972$646$421$270$57
35 years$1,371$922$604$387$244$49
36 years$1,318$875$565$357$221$42
37 years$1,268$831$529$329$201$36
38 years$1,221$790$495$303$182$30
39 years$1,177$751$464$279$165$26
40 years$1,135$715$435$258$150$22
41 years$1,095$680$408$238$136$19
42 years$1,057$648$383$219$123$16
43 years$1,021$617$359$203$112$14
44 years$986$589$337$187$101$12
45 years$953$561$317$173$92$10
46 years$922$535$297$160$84$9
47 years$892$511$279$147$76$8
48 years$864$488$262$136$69$6
49 years$836$466$247$126$63$6
50 years$810$445$232$116$57$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $830,000, adding $2,901 every year, while hoping to spend $38,401 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: 47/38/15 Blend
34$830,000$830,000$830,000$830,000
35$917,652$873,662$860,797$956,779
36$970,395$875,613$848,776$986,150
37$1,027,229$876,373$835,064$1,013,856
38$1,088,534$875,842$819,566$1,043,089
39$1,154,722$873,916$802,179$1,074,005
40$1,226,249$870,483$782,797$1,106,780
41$1,303,614$865,425$761,309$1,141,607
42$1,387,368$858,616$737,598$1,178,704
43$1,478,114$849,923$711,542$1,218,312
44$1,576,518$839,205$683,015$1,260,698
45$1,683,309$826,312$651,882$1,306,162
46$1,799,291$811,086$618,005$1,355,035
47$1,925,348$793,360$581,238$1,407,684
48$2,062,453$772,954$541,429$1,464,521
49$2,211,676$749,681$498,419$1,525,998
50$2,374,193$723,341$452,042$1,592,621
51$2,551,300$693,724$402,124$1,664,949
52$2,744,422$660,606$348,485$1,743,605
53$2,955,129$623,752$290,935$1,829,277
54$3,185,147$582,911$229,277$1,922,730
55$3,436,378$537,819$163,304$2,024,812
56$3,710,915$488,198$92,800$2,136,462
57$4,011,061$433,753$17,542$2,258,721
58$4,339,353$374,171$0$2,392,742
59$4,698,585$309,123$0$2,549,850
60$5,091,832$238,261$0$2,725,062
61$5,522,481$161,218$0$2,917,176
62$5,994,261$77,605$0$3,127,967
63$6,511,280$0$0$3,359,399
64$7,078,062$0$0$3,619,074
65$7,699,589$0$0$3,939,509
66$8,381,347$0$0$4,291,094
67$9,129,382$0$0$4,676,958
68$9,950,349$0$0$5,100,547
69$10,851,584$0$0$5,565,658
70$11,841,162$0$0$6,076,474
71$12,927,983$0$0$6,637,601
72$14,121,849$0$0$7,254,115
73$15,433,559$0$0$7,931,607
74$16,875,009$0$0$8,676,237
75$18,459,303$0$0$9,494,791
76$20,200,882$0$0$10,394,744
77$22,115,652$0$0$11,384,335
78$24,221,138$0$0$12,472,638
79$26,536,649$0$0$13,669,651
80$29,083,459$0$0$14,986,391
81$31,885,005$0$0$16,434,995
82$34,967,112$0$0$18,028,837
83$38,358,234$0$0$19,782,651
84$42,089,721$0$0$21,712,672
85$46,196,118$0$0$23,836,790
86$50,715,483$0$0$26,174,714
87$55,689,756$0$0$28,748,164
88$61,165,146$0$0$31,581,070
89$67,192,568$0$0$34,699,801
90$73,828,129$0$0$38,133,412
91$81,133,646$0$0$41,913,921
92$89,177,241$0$0$46,076,604
93$98,033,973$0$0$50,660,336
94$107,786,552$0$0$55,707,953
95$118,526,117$0$0$61,266,654
96$130,353,097$0$0$67,388,453
97$143,378,153$0$0$74,130,662
98$157,723,230$0$0$81,556,437
99$173,522,701$0$0$89,735,370
100$190,924,636$0$0$98,744,151