Can I retire at age 35 with 833,000?

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 $833,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$68,788$68,176$67,578$66,994$66,425$65,459
2 years$34,054$33,419$32,805$32,209$31,631$30,660
3 years$22,477$21,840$21,227$20,637$20,068$19,122
4 years$16,690$16,055$15,448$14,867$14,313$13,399
5 years$13,218$12,587$11,988$11,420$10,880$10,002
6 years$10,905$10,278$9,688$9,132$8,609$7,766
7 years$9,253$8,632$8,051$7,508$7,002$6,195
8 years$8,015$7,399$6,828$6,298$5,808$5,038
9 years$7,052$6,442$5,881$5,365$4,892$4,157
10 years$6,282$5,678$5,127$4,625$4,168$3,468
11 years$5,653$5,055$4,514$4,025$3,584$2,920
12 years$5,129$4,537$4,006$3,530$3,106$2,475
13 years$4,686$4,100$3,579$3,117$2,709$2,110
14 years$4,306$3,727$3,216$2,767$2,374$1,808
15 years$3,978$3,405$2,903$2,467$2,091$1,555
16 years$3,691$3,124$2,632$2,209$1,848$1,342
17 years$3,437$2,877$2,395$1,985$1,638$1,161
18 years$3,213$2,658$2,187$1,789$1,457$1,008
19 years$3,012$2,464$2,002$1,616$1,298$876
20 years$2,831$2,289$1,837$1,464$1,160$763
21 years$2,668$2,133$1,690$1,329$1,038$665
22 years$2,520$1,991$1,557$1,208$930$581
23 years$2,385$1,862$1,438$1,100$835$508
24 years$2,261$1,744$1,330$1,003$751$444
25 years$2,148$1,637$1,232$916$675$389
26 years$2,043$1,539$1,142$838$608$341
27 years$1,946$1,448$1,061$767$549$299
28 years$1,857$1,364$986$703$495$263
29 years$1,773$1,287$918$644$447$230
30 years$1,696$1,216$855$591$404$202
31 years$1,623$1,149$797$543$365$178
32 years$1,555$1,087$744$499$330$156
33 years$1,492$1,030$694$459$299$137
34 years$1,432$976$649$422$271$121
35 years$1,376$926$606$389$245$106
36 years$1,323$879$567$358$222$94
37 years$1,273$834$531$330$201$82
38 years$1,226$793$497$304$182$72
39 years$1,181$754$466$280$165$64
40 years$1,139$717$437$259$150$56
41 years$1,099$683$409$239$136$49
42 years$1,061$650$384$220$124$44
43 years$1,024$620$360$203$112$38
44 years$990$591$338$188$102$34
45 years$957$563$318$173$92$30
46 years$925$537$298$160$84$26
47 years$895$513$280$148$76$23
48 years$867$490$263$137$69$20
49 years$839$467$248$126$63$18
50 years$813$447$233$117$57$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $833,000, adding $3,611 every year, while hoping to spend $28,413 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: 31/46/23 Blend
34$833,000$833,000$833,000$833,000
35$921,691$877,542$864,630$943,613
36$985,472$890,310$863,364$973,363
37$1,054,807$902,752$861,103$1,002,575
38$1,130,231$914,821$857,785$1,033,437
39$1,212,336$926,468$853,341$1,066,112
40$1,301,770$937,641$847,704$1,100,781
41$1,399,248$948,283$840,800$1,137,642
42$1,505,557$958,335$832,553$1,176,918
43$1,621,563$967,732$822,882$1,218,854
44$1,748,218$976,406$811,704$1,263,724
45$1,886,571$984,285$798,931$1,311,830
46$2,037,778$991,291$784,472$1,363,506
47$2,203,109$997,342$768,229$1,419,126
48$2,383,964$1,002,350$750,103$1,479,101
49$2,581,885$1,006,222$729,988$1,543,887
50$2,798,568$1,008,858$707,774$1,613,990
51$3,035,884$1,010,154$683,346$1,689,971
52$3,295,889$1,009,996$656,583$1,772,450
53$3,580,850$1,008,267$627,359$1,862,114
54$3,893,264$1,004,840$595,543$1,959,724
55$4,235,881$999,580$560,997$2,066,122
56$4,611,727$992,346$523,577$2,182,239
57$5,024,139$982,987$483,133$2,309,107
58$5,476,790$971,342$439,507$2,447,866
59$5,973,728$957,243$392,536$2,599,778
60$6,519,411$940,510$342,047$2,766,238
61$7,118,748$920,952$287,863$2,948,791
62$7,777,150$898,369$229,796$3,149,141
63$8,500,576$872,545$167,651$3,369,177
64$9,295,591$843,257$101,224$3,610,983
65$10,169,428$810,264$30,302$3,876,865
66$11,130,057$773,313$0$4,169,370
67$12,186,254$732,137$0$4,502,450
68$13,347,693$686,453$0$4,876,739
69$14,625,030$635,961$0$5,288,286
70$16,030,005$580,345$0$5,740,951
71$17,575,554$519,271$0$6,238,990
72$19,275,930$452,384$0$6,787,101
73$21,146,835$379,311$0$7,390,468
74$23,205,572$299,658$0$8,054,810
75$25,471,207$213,007$0$8,786,440
76$27,964,744$118,919$0$9,592,319
77$30,709,329$16,927$0$10,480,130
78$33,730,465$0$0$11,458,348
79$37,056,255$0$0$12,583,629
80$40,717,661$0$0$13,832,060
81$44,748,803$0$0$15,206,725
82$49,187,276$0$0$16,720,465
83$54,074,508$0$0$18,387,430
84$59,456,147$0$0$20,223,212
85$65,382,493$0$0$22,244,992
86$71,908,974$0$0$24,471,702
87$79,096,666$0$0$26,924,206
88$87,012,871$0$0$29,625,491
89$95,731,753$0$0$32,600,890
90$105,335,032$0$0$35,878,318
91$115,912,763$0$0$39,488,536
92$127,564,180$0$0$43,465,441
93$140,398,633$0$0$47,846,386
94$154,536,622$0$0$52,672,533
95$170,110,932$0$0$57,989,241
96$187,267,886$0$0$63,846,492
97$206,168,726$0$0$70,299,366
98$226,991,138$0$0$77,408,560
99$249,930,921$0$0$85,240,960
100$275,203,842$0$0$93,870,272