Can I retire at age 35 with 831,000?

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 $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%12.1%
1 years$68,623$68,012$67,416$66,833$66,265$65,682
2 years$33,972$33,339$32,726$32,131$31,555$30,968
3 years$22,423$21,788$21,176$20,587$20,020$19,446
4 years$16,650$16,016$15,411$14,832$14,278$13,723
5 years$13,187$12,557$11,959$11,392$10,854$10,319
6 years$10,879$10,254$9,665$9,110$8,588$8,073
7 years$9,231$8,611$8,032$7,490$6,985$6,490
8 years$7,995$7,381$6,811$6,283$5,794$5,321
9 years$7,035$6,427$5,867$5,352$4,880$4,427
10 years$6,267$5,665$5,115$4,613$4,158$3,725
11 years$5,639$5,043$4,503$4,015$3,576$3,163
12 years$5,117$4,526$3,996$3,522$3,099$2,705
13 years$4,674$4,090$3,570$3,109$2,702$2,328
14 years$4,296$3,718$3,208$2,760$2,369$2,013
15 years$3,968$3,397$2,896$2,461$2,086$1,748
16 years$3,682$3,116$2,626$2,204$1,843$1,523
17 years$3,429$2,870$2,390$1,980$1,634$1,331
18 years$3,205$2,652$2,181$1,785$1,453$1,166
19 years$3,004$2,458$1,997$1,613$1,295$1,024
20 years$2,824$2,284$1,833$1,460$1,157$901
21 years$2,662$2,127$1,686$1,325$1,035$794
22 years$2,514$1,986$1,554$1,205$928$701
23 years$2,379$1,857$1,435$1,098$833$619
24 years$2,256$1,740$1,327$1,001$749$548
25 years$2,142$1,633$1,229$914$674$485
26 years$2,038$1,535$1,140$836$607$430
27 years$1,942$1,444$1,058$765$547$381
28 years$1,852$1,361$984$701$494$338
29 years$1,769$1,284$915$643$446$300
30 years$1,692$1,213$853$590$403$267
31 years$1,619$1,146$795$542$364$237
32 years$1,552$1,085$742$498$329$211
33 years$1,488$1,027$693$458$298$188
34 years$1,429$974$647$421$270$167
35 years$1,373$923$605$388$244$149
36 years$1,320$876$566$357$222$132
37 years$1,270$832$530$329$201$118
38 years$1,223$791$496$303$182$105
39 years$1,178$752$465$280$165$93
40 years$1,136$716$436$258$150$83
41 years$1,096$681$408$238$136$74
42 years$1,058$649$383$220$123$66
43 years$1,022$618$360$203$112$59
44 years$987$589$337$187$102$53
45 years$955$562$317$173$92$47
46 years$923$536$298$160$84$42
47 years$893$512$280$148$76$37
48 years$865$488$263$136$69$33
49 years$837$466$247$126$63$30
50 years$811$445$232$116$57$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $831,000, adding $3,462 every year, while hoping to spend $49,141 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: 47/41/12 Blend
34$831,000$831,000$831,000$831,000
35$919,333$875,290$862,410$959,312
36$960,819$865,894$839,015$977,881
37$1,004,890$854,390$813,189$992,675
38$1,051,758$840,623$784,799$1,007,630
39$1,101,653$824,430$753,706$1,022,778
40$1,154,830$805,636$719,764$1,038,158
41$1,211,567$784,056$682,820$1,053,816
42$1,272,167$759,495$642,715$1,069,805
43$1,336,965$731,747$599,283$1,086,189
44$1,406,326$700,593$552,349$1,103,041
45$1,480,651$665,802$501,733$1,120,448
46$1,560,380$627,129$447,243$1,138,509
47$1,645,995$584,315$388,682$1,157,338
48$1,738,027$537,086$325,843$1,177,066
49$1,837,056$485,154$258,509$1,197,842
50$1,943,721$428,212$186,455$1,219,840
51$2,058,723$365,937$109,444$1,243,253
52$2,182,833$297,988$27,231$1,268,303
53$2,316,898$224,005$0$1,295,243
54$2,461,846$143,606$0$1,332,103
55$2,618,701$56,389$0$1,375,684
56$2,788,585$0$0$1,422,893
57$2,972,736$0$0$1,491,355
58$3,172,511$0$0$1,593,304
59$3,389,405$0$0$1,704,071
60$3,625,060$0$0$1,824,506
61$3,881,286$0$0$1,955,545
62$4,160,070$0$0$2,098,214
63$4,463,601$0$0$2,253,647
64$4,794,288$0$0$2,423,088
65$5,154,779$0$0$2,607,909
66$5,547,993$0$0$2,809,619
67$5,977,137$0$0$3,029,877
68$6,445,747$0$0$3,270,512
69$6,957,712$0$0$3,533,537
70$7,517,314$0$0$3,821,168
71$8,129,268$0$0$4,135,844
72$8,798,764$0$0$4,480,252
73$9,531,519$0$0$4,857,351
74$10,333,826$0$0$5,270,396
75$11,212,617$0$0$5,722,977
76$12,175,523$0$0$6,219,043
77$13,230,951$0$0$6,762,947
78$14,388,159$0$0$7,359,479
79$15,657,343$0$0$8,013,920
80$17,049,734$0$0$8,732,082
81$18,577,703$0$0$9,520,370
82$20,254,874$0$0$10,385,839
83$22,096,257$0$0$11,336,258
84$24,118,386$0$0$12,380,189
85$26,339,474$0$0$13,527,061
86$28,779,585$0$0$14,787,263
87$31,460,822$0$0$16,172,240
88$34,407,536$0$0$17,694,599
89$37,646,552$0$0$19,368,232
90$41,207,425$0$0$21,208,443
91$45,122,716$0$0$23,232,091
92$49,428,300$0$0$25,457,754
93$54,163,699$0$0$27,905,898
94$59,372,461$0$0$30,599,073
95$65,102,565$0$0$33,562,126
96$71,406,875$0$0$36,822,431
97$78,343,634$0$0$40,410,152
98$85,977,021$0$0$44,358,523
99$94,377,748$0$0$48,704,164
100$103,623,726$0$0$53,487,424