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%14.5%
1 years$68,623$68,012$67,416$66,833$66,265$65,034
2 years$33,972$33,339$32,726$32,131$31,555$30,319
3 years$22,423$21,788$21,176$20,587$20,020$18,817
4 years$16,650$16,016$15,411$14,832$14,278$13,119
5 years$13,187$12,557$11,959$11,392$10,854$9,741
6 years$10,879$10,254$9,665$9,110$8,588$7,524
7 years$9,231$8,611$8,032$7,490$6,985$5,968
8 years$7,995$7,381$6,811$6,283$5,794$4,825
9 years$7,035$6,427$5,867$5,352$4,880$3,958
10 years$6,267$5,665$5,115$4,613$4,158$3,282
11 years$5,639$5,043$4,503$4,015$3,576$2,746
12 years$5,117$4,526$3,996$3,522$3,099$2,313
13 years$4,674$4,090$3,570$3,109$2,702$1,959
14 years$4,296$3,718$3,208$2,760$2,369$1,667
15 years$3,968$3,397$2,896$2,461$2,086$1,424
16 years$3,682$3,116$2,626$2,204$1,843$1,220
17 years$3,429$2,870$2,390$1,980$1,634$1,049
18 years$3,205$2,652$2,181$1,785$1,453$903
19 years$3,004$2,458$1,997$1,613$1,295$779
20 years$2,824$2,284$1,833$1,460$1,157$674
21 years$2,662$2,127$1,686$1,325$1,035$583
22 years$2,514$1,986$1,554$1,205$928$505
23 years$2,379$1,857$1,435$1,098$833$438
24 years$2,256$1,740$1,327$1,001$749$380
25 years$2,142$1,633$1,229$914$674$331
26 years$2,038$1,535$1,140$836$607$287
27 years$1,942$1,444$1,058$765$547$250
28 years$1,852$1,361$984$701$494$218
29 years$1,769$1,284$915$643$446$190
30 years$1,692$1,213$853$590$403$165
31 years$1,619$1,146$795$542$364$144
32 years$1,552$1,085$742$498$329$125
33 years$1,488$1,027$693$458$298$109
34 years$1,429$974$647$421$270$95
35 years$1,373$923$605$388$244$83
36 years$1,320$876$566$357$222$73
37 years$1,270$832$530$329$201$63
38 years$1,223$791$496$303$182$55
39 years$1,178$752$465$280$165$48
40 years$1,136$716$436$258$150$42
41 years$1,096$681$408$238$136$37
42 years$1,058$649$383$220$123$32
43 years$1,022$618$360$203$112$28
44 years$987$589$337$187$102$24
45 years$955$562$317$173$92$21
46 years$923$536$298$160$84$19
47 years$893$512$280$148$76$16
48 years$865$488$263$136$69$14
49 years$837$466$247$126$63$12
50 years$811$445$232$116$57$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $831,000, adding $6,099 every year, while hoping to spend $26,338 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: 70/14/16 Blend
34$831,000$831,000$831,000$831,000
35$922,053$878,010$865,130$982,748
36$988,079$893,009$866,088$1,038,911
37$1,059,957$907,860$866,196$1,096,631
38$1,138,256$922,529$865,397$1,159,128
39$1,223,602$936,977$863,632$1,226,873
40$1,316,685$951,164$860,838$1,300,380
41$1,418,263$965,047$856,952$1,380,217
42$1,529,170$978,579$851,905$1,467,010
43$1,650,328$991,712$845,626$1,561,450
44$1,782,746$1,004,391$838,040$1,664,297
45$1,927,540$1,016,559$829,068$1,776,389
46$2,085,936$1,028,158$818,628$1,898,650
47$2,259,284$1,039,120$806,635$2,032,098
48$2,449,073$1,049,379$792,999$2,177,857
49$2,656,939$1,058,859$777,625$2,337,162
50$2,884,686$1,067,483$760,415$2,511,377
51$3,134,301$1,075,166$741,266$2,702,006
52$3,407,971$1,081,821$720,070$2,910,705
53$3,708,106$1,087,351$696,714$3,139,300
54$4,037,358$1,091,657$671,079$3,389,804
55$4,398,652$1,094,632$643,043$3,664,435
56$4,795,206$1,096,160$612,477$3,965,641
57$5,230,567$1,096,123$579,246$4,296,115
58$5,708,643$1,094,390$543,208$4,658,830
59$6,233,735$1,090,826$504,216$5,057,061
60$6,810,585$1,085,286$462,117$5,494,419
61$7,444,416$1,077,616$416,749$5,974,883
62$8,140,981$1,067,654$367,944$6,502,840
63$8,906,619$1,055,226$315,528$7,083,126
64$9,748,312$1,040,150$259,316$7,721,069
65$10,673,754$1,022,232$199,117$8,422,545
66$11,691,421$1,001,265$134,732$9,194,029
67$12,810,652$977,034$65,952$10,042,659
68$14,041,736$949,306$0$10,976,302
69$15,396,009$917,837$0$12,004,901
70$16,885,962$882,371$0$13,148,841
71$18,525,355$842,633$0$14,407,426
72$20,329,353$798,334$0$15,792,310
73$22,314,663$749,168$0$17,316,338
74$24,499,694$694,812$0$18,993,660
75$26,904,729$634,924$0$20,839,874
76$29,552,118$569,143$0$22,872,168
77$32,466,490$497,086$0$25,109,483
78$35,674,979$418,350$0$27,572,691
79$39,207,486$332,509$0$30,284,795
80$43,096,960$239,112$0$33,271,145
81$47,379,704$137,683$0$36,559,675
82$52,095,725$27,720$0$40,181,173
83$57,289,103$0$0$44,169,564
84$63,008,413$0$0$48,576,303
85$69,307,182$0$0$53,434,279
86$76,244,390$0$0$58,784,719
87$83,885,032$0$0$64,677,758
88$92,300,726$0$0$71,168,643
89$101,570,392$0$0$78,318,252
90$111,780,997$0$0$86,193,668
91$123,028,372$0$0$94,868,816
92$135,418,119$0$0$104,425,156
93$149,066,607$0$0$114,952,454
94$164,102,070$0$0$126,549,627
95$180,665,816$0$0$139,325,682
96$198,913,562$0$0$153,400,735
97$219,016,903$0$0$168,907,155
98$241,164,931$0$0$185,990,806
99$265,566,019$0$0$204,812,425
100$292,449,790$0$0$225,549,142