Can I retire at age 35 with 831,000?

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 $831,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$68,623$68,012$67,416$66,833$66,265$64,273
2 years$33,972$33,339$32,726$32,131$31,555$29,564
3 years$22,423$21,788$21,176$20,587$20,020$18,093
4 years$16,650$16,016$15,411$14,832$14,278$12,431
5 years$13,187$12,557$11,959$11,392$10,854$9,091
6 years$10,879$10,254$9,665$9,110$8,588$6,911
7 years$9,231$8,611$8,032$7,490$6,985$5,393
8 years$7,995$7,381$6,811$6,283$5,794$4,287
9 years$7,035$6,427$5,867$5,352$4,880$3,455
10 years$6,267$5,665$5,115$4,613$4,158$2,814
11 years$5,639$5,043$4,503$4,015$3,576$2,311
12 years$5,117$4,526$3,996$3,522$3,099$1,910
13 years$4,674$4,090$3,570$3,109$2,702$1,587
14 years$4,296$3,718$3,208$2,760$2,369$1,324
15 years$3,968$3,397$2,896$2,461$2,086$1,108
16 years$3,682$3,116$2,626$2,204$1,843$930
17 years$3,429$2,870$2,390$1,980$1,634$783
18 years$3,205$2,652$2,181$1,785$1,453$660
19 years$3,004$2,458$1,997$1,613$1,295$557
20 years$2,824$2,284$1,833$1,460$1,157$471
21 years$2,662$2,127$1,686$1,325$1,035$399
22 years$2,514$1,986$1,554$1,205$928$338
23 years$2,379$1,857$1,435$1,098$833$287
24 years$2,256$1,740$1,327$1,001$749$243
25 years$2,142$1,633$1,229$914$674$206
26 years$2,038$1,535$1,140$836$607$175
27 years$1,942$1,444$1,058$765$547$149
28 years$1,852$1,361$984$701$494$127
29 years$1,769$1,284$915$643$446$108
30 years$1,692$1,213$853$590$403$92
31 years$1,619$1,146$795$542$364$78
32 years$1,552$1,085$742$498$329$66
33 years$1,488$1,027$693$458$298$56
34 years$1,429$974$647$421$270$48
35 years$1,373$923$605$388$244$41
36 years$1,320$876$566$357$222$35
37 years$1,270$832$530$329$201$30
38 years$1,223$791$496$303$182$25
39 years$1,178$752$465$280$165$21
40 years$1,136$716$436$258$150$18
41 years$1,096$681$408$238$136$16
42 years$1,058$649$383$220$123$13
43 years$1,022$618$360$203$112$11
44 years$987$589$337$187$102$10
45 years$955$562$317$173$92$8
46 years$923$536$298$160$84$7
47 years$893$512$280$148$76$6
48 years$865$488$263$136$69$5
49 years$837$466$247$126$63$4
50 years$811$445$232$116$57$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $831,000, adding $4,513 every year, while hoping to spend $48,608 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: 24/46/30 Blend
34$831,000$831,000$831,000$831,000
35$920,417$876,374$863,494$933,778
36$962,581$867,598$840,702$936,845
37$1,007,417$856,763$815,518$935,760
38$1,055,145$843,716$787,810$933,592
39$1,106,008$828,296$757,440$930,287
40$1,160,272$810,333$724,265$925,787
41$1,218,226$789,646$688,134$920,035
42$1,280,189$766,042$648,890$912,974
43$1,346,509$739,320$606,369$904,548
44$1,417,571$709,264$560,400$894,702
45$1,493,792$675,647$510,803$883,381
46$1,575,635$638,230$457,390$870,534
47$1,663,604$596,757$399,967$856,111
48$1,758,254$550,961$338,329$840,065
49$1,860,195$500,557$272,262$822,355
50$1,970,096$445,245$201,544$802,945
51$2,088,692$384,708$125,941$781,802
52$2,216,790$318,611$45,212$758,905
53$2,355,278$246,599$0$734,238
54$2,505,133$168,298$0$720,903
55$2,667,425$83,313$0$722,097
56$2,843,334$0$0$723,443
57$3,034,157$0$0$729,512
58$3,241,319$0$0$782,004
59$3,466,388$0$0$839,160
60$3,711,090$0$0$901,433
61$3,977,322$0$0$969,324
62$4,267,172$0$0$1,043,381
63$4,582,938$0$0$1,124,211
64$4,927,148$0$0$1,212,480
65$5,302,586$0$0$1,308,920
66$5,712,313$0$0$1,414,339
67$6,159,702$0$0$1,529,626
68$6,648,463$0$0$1,655,760
69$7,182,683$0$0$1,793,818
70$7,766,860$0$0$1,944,986
71$8,405,947$0$0$2,110,572
72$9,105,396$0$0$2,292,015
73$9,871,214$0$0$2,490,899
74$10,710,013$0$0$2,708,969
75$11,629,075$0$0$2,948,149
76$12,636,421$0$0$3,210,555
77$13,740,884$0$0$3,498,520
78$14,952,191$0$0$3,814,613
79$16,281,058$0$0$4,161,664
80$17,739,288$0$0$4,542,790
81$19,339,881$0$0$4,961,424
82$21,097,156$0$0$5,421,350
83$23,026,888$0$0$5,926,735
84$25,146,454$0$0$6,482,171
85$27,474,998$0$0$7,092,714
86$30,033,606$0$0$7,763,938
87$32,845,511$0$0$8,501,981
88$35,936,307$0$0$9,313,607
89$39,334,193$0$0$10,206,269
90$43,070,232$0$0$11,188,176
91$47,178,652$0$0$12,268,375
92$51,697,162$0$0$13,456,834
93$56,667,307$0$0$14,764,533
94$62,134,864$0$0$16,203,573
95$68,150,268$0$0$17,787,286
96$74,769,089$0$0$19,530,363
97$82,052,555$0$0$21,448,991
98$90,068,132$0$0$23,561,004
99$98,890,153$0$0$25,886,055
100$108,600,524$0$0$28,445,799