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%12.5%
1 years$68,623$68,012$67,416$66,833$66,265$65,573
2 years$33,972$33,339$32,726$32,131$31,555$30,858
3 years$22,423$21,788$21,176$20,587$20,020$19,340
4 years$16,650$16,016$15,411$14,832$14,278$13,620
5 years$13,187$12,557$11,959$11,392$10,854$10,220
6 years$10,879$10,254$9,665$9,110$8,588$7,979
7 years$9,231$8,611$8,032$7,490$6,985$6,400
8 years$7,995$7,381$6,811$6,283$5,794$5,235
9 years$7,035$6,427$5,867$5,352$4,880$4,345
10 years$6,267$5,665$5,115$4,613$4,158$3,647
11 years$5,639$5,043$4,503$4,015$3,576$3,089
12 years$5,117$4,526$3,996$3,522$3,099$2,636
13 years$4,674$4,090$3,570$3,109$2,702$2,262
14 years$4,296$3,718$3,208$2,760$2,369$1,951
15 years$3,968$3,397$2,896$2,461$2,086$1,689
16 years$3,682$3,116$2,626$2,204$1,843$1,468
17 years$3,429$2,870$2,390$1,980$1,634$1,279
18 years$3,205$2,652$2,181$1,785$1,453$1,118
19 years$3,004$2,458$1,997$1,613$1,295$979
20 years$2,824$2,284$1,833$1,460$1,157$859
21 years$2,662$2,127$1,686$1,325$1,035$755
22 years$2,514$1,986$1,554$1,205$928$664
23 years$2,379$1,857$1,435$1,098$833$585
24 years$2,256$1,740$1,327$1,001$749$516
25 years$2,142$1,633$1,229$914$674$455
26 years$2,038$1,535$1,140$836$607$402
27 years$1,942$1,444$1,058$765$547$356
28 years$1,852$1,361$984$701$494$315
29 years$1,769$1,284$915$643$446$278
30 years$1,692$1,213$853$590$403$247
31 years$1,619$1,146$795$542$364$218
32 years$1,552$1,085$742$498$329$194
33 years$1,488$1,027$693$458$298$172
34 years$1,429$974$647$421$270$152
35 years$1,373$923$605$388$244$135
36 years$1,320$876$566$357$222$120
37 years$1,270$832$530$329$201$106
38 years$1,223$791$496$303$182$94
39 years$1,178$752$465$280$165$84
40 years$1,136$716$436$258$150$74
41 years$1,096$681$408$238$136$66
42 years$1,058$649$383$220$123$59
43 years$1,022$618$360$203$112$52
44 years$987$589$337$187$102$46
45 years$955$562$317$173$92$41
46 years$923$536$298$160$84$37
47 years$893$512$280$148$76$32
48 years$865$488$263$136$69$29
49 years$837$466$247$126$63$26
50 years$811$445$232$116$57$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $831,000, adding $4,305 every year, while hoping to spend $36,221 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: 22/50/28 Blend
34$831,000$831,000$831,000$831,000
35$920,203$876,160$863,279$932,205
36$975,524$880,553$853,660$947,559
37$1,035,275$883,947$842,505$960,665
38$1,099,868$886,255$829,724$973,908
39$1,169,758$887,385$815,223$987,321
40$1,245,444$887,238$798,904$1,000,946
41$1,327,476$885,709$780,664$1,014,831
42$1,416,458$882,688$760,395$1,029,033
43$1,513,053$878,056$737,985$1,043,620
44$1,617,993$871,689$713,316$1,058,668
45$1,732,081$863,455$686,264$1,074,268
46$1,856,201$853,212$656,702$1,090,523
47$1,991,326$840,812$624,494$1,107,552
48$2,138,526$826,096$589,499$1,125,490
49$2,298,979$808,898$551,571$1,144,494
50$2,473,981$789,041$510,555$1,164,739
51$2,664,960$766,337$466,292$1,186,428
52$2,873,486$740,587$418,612$1,209,789
53$3,101,287$711,581$367,341$1,235,079
54$3,350,267$679,098$312,296$1,262,591
55$3,622,521$642,901$253,285$1,292,654
56$3,920,357$602,742$190,109$1,325,639
57$4,246,316$558,358$122,559$1,361,965
58$4,603,193$509,470$50,418$1,402,099
59$4,994,070$455,786$0$1,446,571
60$5,422,339$396,993$0$1,503,907
61$5,891,736$332,764$0$1,583,424
62$6,406,375$262,752$0$1,670,858
63$6,970,789$186,590$0$1,767,114
64$7,589,969$103,892$0$1,873,199
65$8,269,411$14,249$0$1,990,231
66$9,015,173$0$0$2,119,451
67$9,833,924$0$0$2,307,777
68$10,733,013$0$0$2,523,347
69$11,720,533$0$0$2,760,280
70$12,805,403$0$0$3,020,737
71$13,997,445$0$0$3,307,096
72$15,307,480$0$0$3,621,978
73$16,747,431$0$0$3,968,271
74$18,330,433$0$0$4,349,156
75$20,070,956$0$0$4,768,140
76$21,984,943$0$0$5,229,085
77$24,089,960$0$0$5,736,245
78$26,405,358$0$0$6,294,310
79$28,952,462$0$0$6,908,447
80$31,754,763$0$0$7,584,347
81$34,838,147$0$0$8,328,283
82$38,231,135$0$0$9,147,166
83$41,965,152$0$0$10,048,610
84$46,074,823$0$0$11,041,008
85$50,598,301$0$0$12,133,605
86$55,577,626$0$0$13,336,589
87$61,059,118$0$0$14,661,186
88$67,093,818$0$0$16,119,766
89$73,737,967$0$0$17,725,960
90$81,053,538$0$0$19,494,789
91$89,108,818$0$0$21,442,802
92$97,979,053$0$0$23,588,238
93$107,747,157$0$0$25,951,195
94$118,504,497$0$0$28,553,817
95$130,351,750$0$0$31,420,508
96$143,399,856$0$0$34,578,159
97$157,771,064$0$0$38,056,402
98$173,600,085$0$0$41,887,891
99$191,035,361$0$0$46,108,608
100$210,240,470$0$0$50,758,205