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%11.9%
1 years$68,541$67,930$67,334$66,753$66,185$65,658
2 years$33,931$33,299$32,687$32,093$31,517$30,985
3 years$22,396$21,761$21,150$20,562$19,996$19,476
4 years$16,630$15,997$15,392$14,814$14,261$13,758
5 years$13,171$12,542$11,945$11,378$10,841$10,356
6 years$10,865$10,241$9,653$9,099$8,578$8,111
7 years$9,220$8,601$8,022$7,481$6,976$6,528
8 years$7,986$7,372$6,803$6,276$5,788$5,358
9 years$7,026$6,419$5,860$5,346$4,874$4,463
10 years$6,260$5,658$5,109$4,608$4,153$3,760
11 years$5,633$5,037$4,497$4,010$3,572$3,196
12 years$5,110$4,521$3,991$3,518$3,095$2,737
13 years$4,669$4,086$3,566$3,105$2,699$2,358
14 years$4,291$3,714$3,204$2,757$2,366$2,042
15 years$3,963$3,393$2,893$2,458$2,083$1,775
16 years$3,677$3,113$2,623$2,201$1,841$1,549
17 years$3,425$2,867$2,387$1,978$1,632$1,356
18 years$3,201$2,649$2,179$1,782$1,451$1,190
19 years$3,001$2,455$1,995$1,611$1,294$1,046
20 years$2,821$2,281$1,830$1,459$1,156$922
21 years$2,658$2,125$1,684$1,324$1,034$814
22 years$2,511$1,983$1,552$1,204$927$719
23 years$2,376$1,855$1,433$1,096$832$636
24 years$2,253$1,738$1,325$1,000$748$564
25 years$2,140$1,631$1,227$913$673$500
26 years$2,036$1,533$1,138$835$606$444
27 years$1,939$1,443$1,057$764$547$394
28 years$1,850$1,359$983$700$493$350
29 years$1,767$1,283$914$642$445$312
30 years$1,690$1,211$852$589$402$277
31 years$1,617$1,145$794$541$364$247
32 years$1,550$1,083$741$497$329$220
33 years$1,486$1,026$692$457$298$196
34 years$1,427$972$646$421$270$175
35 years$1,371$922$604$387$244$156
36 years$1,318$875$565$357$221$139
37 years$1,268$831$529$329$201$124
38 years$1,221$790$495$303$182$111
39 years$1,177$751$464$279$165$99
40 years$1,135$715$435$258$150$88
41 years$1,095$680$408$238$136$79
42 years$1,057$648$383$219$123$70
43 years$1,021$617$359$203$112$63
44 years$986$589$337$187$101$56
45 years$953$561$317$173$92$50
46 years$922$535$297$160$84$45
47 years$892$511$279$147$76$40
48 years$864$488$262$136$69$36
49 years$836$466$247$126$63$32
50 years$810$445$232$116$57$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $830,000, adding $5,912 every year, while hoping to spend $38,376 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: 80/10/10 Blend
34$830,000$830,000$830,000$830,000
35$920,758$876,768$863,903$992,450
36$973,844$878,898$852,012$1,042,461
37$1,031,058$879,846$838,437$1,091,713
38$1,092,781$879,514$823,080$1,144,626
39$1,159,432$877,797$805,840$1,201,546
40$1,231,469$874,584$786,610$1,262,856
41$1,309,398$869,758$765,281$1,328,979
42$1,393,773$863,193$741,735$1,400,377
43$1,485,206$854,758$715,851$1,477,563
44$1,584,367$844,311$687,502$1,561,101
45$1,691,994$831,703$656,555$1,651,613
46$1,808,899$816,778$622,870$1,749,781
47$1,935,973$799,367$586,304$1,856,363
48$2,074,201$779,294$546,703$1,972,188
49$2,224,661$756,372$503,910$2,098,174
50$2,388,544$730,401$457,758$2,235,332
51$2,567,157$701,172$408,074$2,384,775
52$2,761,940$668,463$354,678$2,547,730
53$2,974,479$632,039$297,381$2,725,552
54$3,206,518$591,650$235,985$2,919,731
55$3,459,977$547,035$170,284$3,131,912
56$3,736,969$497,915$100,064$3,363,907
57$4,039,824$443,997$25,100$3,617,715
58$4,371,103$384,969$0$3,895,538
59$4,733,627$320,505$0$4,205,662
60$5,130,505$250,257$0$4,548,145
61$5,565,156$173,859$0$4,923,282
62$6,041,349$90,925$0$5,334,357
63$6,563,233$1,047$0$5,784,982
64$7,135,377$0$0$6,279,143
65$7,762,815$0$0$6,831,814
66$8,451,090$0$0$7,438,223
67$9,206,308$0$0$8,103,637
68$10,035,194$0$0$8,833,984
69$10,945,156$0$0$9,635,796
70$11,944,355$0$0$10,516,267
71$13,041,781$0$0$11,483,320
72$14,247,336$0$0$12,545,686
73$15,571,929$0$0$13,712,982
74$17,027,579$0$0$14,995,803
75$18,627,525$0$0$16,405,821
76$20,386,354$0$0$17,955,894
77$22,320,137$0$0$19,660,191
78$24,446,578$0$0$21,534,318
79$26,785,185$0$0$23,595,474
80$29,357,449$0$0$25,862,604
81$32,187,050$0$0$28,356,584
82$35,300,076$0$0$31,100,413
83$38,725,275$0$0$34,119,434
84$42,494,319$0$0$37,441,569
85$46,642,105$0$0$41,097,583
86$51,207,087$0$0$45,121,375
87$56,231,633$0$0$49,550,296
88$61,762,427$0$0$54,425,504
89$67,850,911$0$0$59,792,347
90$74,553,764$0$0$65,700,794
91$81,933,442$0$0$72,205,906
92$90,058,767$0$0$79,368,354
93$99,005,571$0$0$87,254,991
94$108,857,414$0$0$95,939,484
95$119,706,373$0$0$105,503,006
96$131,653,909$0$0$116,035,005
97$144,811,825$0$0$127,634,044
98$159,303,318$0$0$140,408,735
99$175,264,146$0$0$154,478,759
100$192,843,902$0$0$169,975,997