Can I retire at age 35 with 832,000?

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 $832,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15%
1 years$68,706$68,094$67,497$66,914$66,345$64,979
2 years$34,013$33,379$32,765$32,170$31,593$30,223
3 years$22,450$21,814$21,201$20,612$20,044$18,712
4 years$16,670$16,035$15,429$14,850$14,295$13,013
5 years$13,202$12,572$11,974$11,406$10,867$9,637
6 years$10,892$10,266$9,677$9,121$8,599$7,423
7 years$9,242$8,621$8,041$7,499$6,993$5,872
8 years$8,005$7,390$6,820$6,291$5,801$4,734
9 years$7,043$6,434$5,874$5,358$4,886$3,871
10 years$6,275$5,672$5,121$4,619$4,163$3,200
11 years$5,646$5,049$4,508$4,020$3,580$2,669
12 years$5,123$4,532$4,001$3,526$3,103$2,241
13 years$4,680$4,095$3,575$3,113$2,705$1,892
14 years$4,301$3,723$3,212$2,763$2,372$1,604
15 years$3,973$3,401$2,900$2,464$2,088$1,366
16 years$3,686$3,120$2,629$2,207$1,845$1,166
17 years$3,433$2,873$2,392$1,983$1,636$999
18 years$3,209$2,655$2,184$1,787$1,455$857
19 years$3,008$2,461$1,999$1,614$1,297$737
20 years$2,828$2,287$1,835$1,462$1,158$634
21 years$2,665$2,130$1,688$1,327$1,037$547
22 years$2,517$1,988$1,555$1,207$929$472
23 years$2,382$1,860$1,436$1,099$834$408
24 years$2,258$1,742$1,328$1,002$750$353
25 years$2,145$1,635$1,230$915$675$305
26 years$2,041$1,537$1,141$837$608$264
27 years$1,944$1,446$1,060$766$548$229
28 years$1,854$1,363$985$702$494$199
29 years$1,771$1,286$917$644$446$172
30 years$1,694$1,214$854$591$403$149
31 years$1,621$1,148$796$542$365$130
32 years$1,553$1,086$743$499$330$113
33 years$1,490$1,028$693$458$299$98
34 years$1,430$975$648$422$270$85
35 years$1,374$925$606$388$245$74
36 years$1,321$878$567$358$222$64
37 years$1,272$833$530$330$201$56
38 years$1,224$792$497$304$182$48
39 years$1,180$753$465$280$165$42
40 years$1,137$717$436$258$150$37
41 years$1,097$682$409$238$136$32
42 years$1,059$650$384$220$123$28
43 years$1,023$619$360$203$112$24
44 years$989$590$338$187$102$21
45 years$956$563$317$173$92$18
46 years$924$537$298$160$84$16
47 years$894$512$280$148$76$14
48 years$866$489$263$137$69$12
49 years$838$467$247$126$63$10
50 years$812$446$232$117$57$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $832,000, adding $4,495 every year, while hoping to spend $39,538 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: 30/45/25 Blend
34$832,000$832,000$832,000$832,000
35$921,501$877,405$864,509$941,911
36$973,426$878,329$851,402$958,978
37$1,029,322$877,974$836,530$973,528
38$1,089,552$876,235$819,794$988,378
39$1,154,517$873,000$801,087$1,003,581
40$1,224,653$868,153$780,299$1,019,198
41$1,300,443$861,568$757,314$1,035,298
42$1,382,416$853,112$732,012$1,051,964
43$1,471,154$842,647$704,266$1,069,289
44$1,567,297$830,022$673,944$1,087,381
45$1,671,548$815,080$640,909$1,106,361
46$1,784,681$797,654$605,014$1,126,369
47$1,907,547$777,567$566,110$1,147,565
48$2,041,081$754,632$524,039$1,170,129
49$2,186,313$728,651$478,636$1,194,264
50$2,344,376$699,413$429,729$1,220,203
51$2,516,515$666,697$377,138$1,248,205
52$2,704,102$630,268$320,675$1,278,565
53$2,908,647$589,877$260,144$1,311,614
54$3,131,810$545,262$195,339$1,347,725
55$3,375,419$496,145$126,049$1,387,315
56$3,641,489$442,233$52,048$1,430,854
57$3,932,233$383,215$0$1,478,867
58$4,250,091$318,763$0$1,539,127
59$4,597,750$248,531$0$1,620,392
60$4,978,165$172,154$0$1,709,570
61$5,394,593$89,245$0$1,807,553
62$5,850,619$0$0$1,915,334
63$6,350,192$0$0$2,034,314
64$6,897,660$0$0$2,213,258
65$7,497,811$0$0$2,409,554
66$8,155,921$0$0$2,624,945
67$8,877,798$0$0$2,861,348
68$9,669,841$0$0$3,120,877
69$10,539,096$0$0$3,405,860
70$11,493,329$0$0$3,718,861
71$12,541,089$0$0$4,062,704
72$13,691,797$0$0$4,440,502
73$14,955,830$0$0$4,855,682
74$16,344,620$0$0$5,312,021
75$17,870,760$0$0$5,813,680
76$19,548,125$0$0$6,365,244
77$21,391,999$0$0$6,971,762
78$23,419,222$0$0$7,638,798
79$25,648,347$0$0$8,372,483
80$28,099,814$0$0$9,179,572
81$30,796,144$0$0$10,067,507
82$33,762,149$0$0$11,044,486
83$37,025,167$0$0$12,119,546
84$40,615,321$0$0$13,302,640
85$44,565,799$0$0$14,604,738
86$48,913,169$0$0$16,037,923
87$53,697,722$0$0$17,615,514
88$58,963,855$0$0$19,352,184
89$64,760,487$0$0$21,264,101
90$71,141,517$0$0$23,369,079
91$78,166,340$0$0$25,686,751
92$85,900,399$0$0$28,238,747
93$94,415,806$0$0$31,048,903
94$103,792,023$0$0$34,143,484
95$114,116,606$0$0$37,551,431
96$125,486,037$0$0$41,304,636
97$138,006,631$0$0$45,438,242
98$151,795,537$0$0$49,990,971
99$166,981,847$0$0$55,005,498
100$183,707,811$0$0$60,528,842