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%13.9%
1 years$68,788$68,176$67,578$66,994$66,425$65,351
2 years$34,054$33,419$32,805$32,209$31,631$30,552
3 years$22,477$21,840$21,227$20,637$20,068$19,018
4 years$16,690$16,055$15,448$14,867$14,313$13,299
5 years$13,218$12,587$11,988$11,420$10,880$9,906
6 years$10,905$10,278$9,688$9,132$8,609$7,676
7 years$9,253$8,632$8,051$7,508$7,002$6,109
8 years$8,015$7,399$6,828$6,298$5,808$4,957
9 years$7,052$6,442$5,881$5,365$4,892$4,080
10 years$6,282$5,678$5,127$4,625$4,168$3,396
11 years$5,653$5,055$4,514$4,025$3,584$2,851
12 years$5,129$4,537$4,006$3,530$3,106$2,411
13 years$4,686$4,100$3,579$3,117$2,709$2,050
14 years$4,306$3,727$3,216$2,767$2,374$1,752
15 years$3,978$3,405$2,903$2,467$2,091$1,503
16 years$3,691$3,124$2,632$2,209$1,848$1,293
17 years$3,437$2,877$2,395$1,985$1,638$1,116
18 years$3,213$2,658$2,187$1,789$1,457$965
19 years$3,012$2,464$2,002$1,616$1,298$837
20 years$2,831$2,289$1,837$1,464$1,160$726
21 years$2,668$2,133$1,690$1,329$1,038$632
22 years$2,520$1,991$1,557$1,208$930$550
23 years$2,385$1,862$1,438$1,100$835$479
24 years$2,261$1,744$1,330$1,003$751$418
25 years$2,148$1,637$1,232$916$675$365
26 years$2,043$1,539$1,142$838$608$319
27 years$1,946$1,448$1,061$767$549$279
28 years$1,857$1,364$986$703$495$244
29 years$1,773$1,287$918$644$447$213
30 years$1,696$1,216$855$591$404$187
31 years$1,623$1,149$797$543$365$164
32 years$1,555$1,087$744$499$330$143
33 years$1,492$1,030$694$459$299$126
34 years$1,432$976$649$422$271$110
35 years$1,376$926$606$389$245$96
36 years$1,323$879$567$358$222$85
37 years$1,273$834$531$330$201$74
38 years$1,226$793$497$304$182$65
39 years$1,181$754$466$280$165$57
40 years$1,139$717$437$259$150$50
41 years$1,099$683$409$239$136$44
42 years$1,061$650$384$220$124$39
43 years$1,024$620$360$203$112$34
44 years$990$591$338$188$102$30
45 years$957$563$318$173$92$26
46 years$925$537$298$160$84$23
47 years$895$513$280$148$76$20
48 years$867$490$263$137$69$18
49 years$839$467$248$126$63$15
50 years$813$447$233$117$57$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $833,000, adding $4,976 every year, while hoping to spend $31,861 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: 51/36/13 Blend
34$833,000$833,000$833,000$833,000
35$923,099$878,950$866,038$966,703
36$983,355$888,118$861,151$1,006,263
37$1,048,689$896,669$855,032$1,045,468
38$1,119,587$904,536$847,606$1,087,369
39$1,196,579$911,653$838,795$1,132,228
40$1,280,253$917,947$828,518$1,180,337
41$1,371,252$923,340$816,687$1,232,017
42$1,470,287$927,750$803,213$1,287,624
43$1,578,137$931,091$788,001$1,347,551
44$1,695,661$933,268$770,953$1,412,231
45$1,823,803$934,183$751,965$1,482,146
46$1,963,605$933,732$730,929$1,557,825
47$2,116,210$931,802$707,733$1,639,855
48$2,282,879$928,276$682,257$1,728,883
49$2,464,998$923,028$654,379$1,825,625
50$2,664,096$915,924$623,969$1,930,872
51$2,881,854$906,824$590,891$2,045,497
52$3,120,122$895,577$555,005$2,170,466
53$3,380,940$882,026$516,163$2,306,844
54$3,666,551$866,001$474,211$2,455,809
55$3,979,430$847,325$428,987$2,618,662
56$4,322,296$825,809$380,323$2,796,839
57$4,698,150$801,253$328,043$2,991,926
58$5,110,292$773,445$271,963$3,205,674
59$5,562,360$742,163$211,892$3,440,017
60$6,058,360$707,168$147,630$3,697,091
61$6,602,705$668,210$78,967$3,979,253
62$7,200,253$625,025$5,685$4,289,105
63$7,856,360$577,333$0$4,629,519
64$8,576,923$524,836$0$5,013,727
65$9,368,438$467,222$0$5,436,663
66$10,238,063$404,160$0$5,901,437
67$11,193,682$335,301$0$6,412,346
68$12,243,981$260,274$0$6,974,134
69$13,398,530$178,691$0$7,592,030
70$14,667,872$90,138$0$8,271,805
71$16,063,621$0$0$9,019,822
72$17,598,574$0$0$9,845,404
73$19,286,832$0$0$10,792,810
74$21,143,927$0$0$11,835,062
75$23,186,977$0$0$12,981,776
76$25,434,838$0$0$14,243,551
77$27,908,288$0$0$15,632,063
78$30,630,222$0$0$17,160,177
79$33,625,865$0$0$18,842,067
80$36,923,012$0$0$20,693,355
81$40,552,287$0$0$22,731,250
82$44,547,438$0$0$24,974,716
83$48,945,646$0$0$27,444,649
84$53,787,884$0$0$30,164,074
85$59,119,299$0$0$33,158,364
86$64,989,637$0$0$36,455,473
87$71,453,715$0$0$40,086,209
88$78,571,936$0$0$44,084,517
89$86,410,858$0$0$48,487,802
90$95,043,825$0$0$53,337,282
91$104,551,654$0$0$58,678,376
92$115,023,403$0$0$64,561,133
93$126,557,207$0$0$71,040,705
94$139,261,202$0$0$78,177,865
95$153,254,553$0$0$86,039,582
96$168,668,570$0$0$94,699,653
97$185,647,952$0$0$104,239,398
98$204,352,148$0$0$114,748,429
99$224,956,868$0$0$126,325,495
100$247,655,735$0$0$139,079,412