Can I retire at age 35 with 834,000?

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 $834,000?

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$68,871$68,257$67,659$67,075$66,504$65,135
2 years$34,095$33,460$32,844$32,247$31,669$30,295
3 years$22,504$21,866$21,252$20,661$20,092$18,757
4 years$16,710$16,074$15,466$14,885$14,330$13,044
5 years$13,234$12,602$12,002$11,433$10,893$9,661
6 years$10,918$10,291$9,700$9,143$8,619$7,441
7 years$9,264$8,642$8,061$7,517$7,010$5,886
8 years$8,024$7,408$6,836$6,306$5,815$4,745
9 years$7,060$6,450$5,888$5,371$4,897$3,880
10 years$6,290$5,685$5,133$4,630$4,173$3,208
11 years$5,660$5,061$4,519$4,030$3,589$2,675
12 years$5,135$4,543$4,011$3,535$3,110$2,246
13 years$4,691$4,105$3,583$3,120$2,712$1,896
14 years$4,311$3,732$3,220$2,770$2,377$1,608
15 years$3,982$3,409$2,907$2,470$2,093$1,369
16 years$3,695$3,128$2,635$2,212$1,850$1,169
17 years$3,441$2,880$2,398$1,987$1,640$1,001
18 years$3,216$2,662$2,189$1,791$1,458$859
19 years$3,015$2,467$2,004$1,618$1,300$738
20 years$2,835$2,292$1,839$1,466$1,161$636
21 years$2,671$2,135$1,692$1,330$1,039$548
22 years$2,523$1,993$1,559$1,209$931$473
23 years$2,388$1,864$1,440$1,102$836$409
24 years$2,264$1,746$1,331$1,005$751$354
25 years$2,150$1,639$1,233$918$676$306
26 years$2,045$1,540$1,144$839$609$265
27 years$1,949$1,450$1,062$768$549$230
28 years$1,859$1,366$987$704$496$199
29 years$1,775$1,289$919$645$447$173
30 years$1,698$1,217$856$592$404$150
31 years$1,625$1,151$798$544$366$130
32 years$1,557$1,089$744$500$331$113
33 years$1,494$1,031$695$460$299$98
34 years$1,434$977$649$423$271$85
35 years$1,378$927$607$389$245$74
36 years$1,325$880$568$358$222$64
37 years$1,275$835$532$330$202$56
38 years$1,227$794$498$304$183$48
39 years$1,183$755$466$281$166$42
40 years$1,140$718$437$259$150$37
41 years$1,100$684$410$239$136$32
42 years$1,062$651$385$220$124$28
43 years$1,025$620$361$204$112$24
44 years$991$591$339$188$102$21
45 years$958$564$318$174$93$18
46 years$927$538$299$160$84$16
47 years$897$513$281$148$76$14
48 years$868$490$264$137$69$12
49 years$840$468$248$126$63$10
50 years$814$447$233$117$57$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $834,000, adding $6,017 every year, while hoping to spend $24,204 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: 60/32/8 Blend
34$834,000$834,000$834,000$834,000
35$925,275$881,073$868,146$978,834
36$993,900$898,492$871,476$1,032,875
37$1,068,713$915,954$874,106$1,088,485
38$1,150,321$933,435$875,988$1,148,535
39$1,239,390$950,910$877,069$1,213,451
40$1,336,654$968,350$877,297$1,283,705
41$1,442,920$985,726$876,613$1,359,818
42$1,559,077$1,003,007$874,960$1,442,361
43$1,686,106$1,020,157$872,274$1,531,965
44$1,825,084$1,037,140$868,490$1,629,325
45$1,977,198$1,053,915$863,540$1,735,208
46$2,143,755$1,070,440$857,352$1,850,456
47$2,326,195$1,086,668$849,850$1,976,000
48$2,526,103$1,102,551$840,956$2,112,866
49$2,745,224$1,118,034$830,586$2,262,183
50$2,985,481$1,133,063$818,656$2,425,196
51$3,248,993$1,147,575$805,073$2,603,278
52$3,538,091$1,161,507$789,744$2,797,942
53$3,855,344$1,174,789$772,568$3,010,854
54$4,203,583$1,187,348$753,443$3,243,854
55$4,585,925$1,199,104$732,260$3,498,966
56$5,005,803$1,209,974$708,904$3,778,423
57$5,467,001$1,219,868$683,258$4,084,688
58$5,973,684$1,228,691$655,197$4,420,472
59$6,530,444$1,236,342$624,590$4,788,767
60$7,142,339$1,242,711$591,303$5,192,870
61$7,814,939$1,247,686$555,193$5,636,413
62$8,554,382$1,251,142$516,112$6,123,402
63$9,367,432$1,252,951$473,905$6,658,253
64$10,261,539$1,252,975$428,409$7,245,832
65$11,244,912$1,251,066$379,457$7,891,504
66$12,326,595$1,247,070$326,870$8,601,182
67$13,516,552$1,240,821$270,465$9,381,384
68$14,825,763$1,232,144$210,049$10,239,295
69$16,266,326$1,220,854$145,420$11,182,836
70$17,851,568$1,206,753$76,368$12,220,735
71$19,596,176$1,189,632$2,675$13,362,615
72$21,516,333$1,169,270$0$14,619,083
73$23,629,868$1,145,434$0$16,008,314
74$25,956,427$1,117,873$0$17,537,376
75$28,517,660$1,086,326$0$19,220,265
76$31,337,419$1,050,514$0$21,072,660
77$34,441,989$1,010,142$0$23,111,841
78$37,860,332$964,899$0$25,356,854
79$41,624,362$914,455$0$27,828,687
80$45,769,244$858,461$0$30,550,478
81$50,333,729$796,547$0$33,547,722
82$55,360,516$728,325$0$36,848,523
83$60,896,657$653,381$0$40,483,852
84$66,994,000$571,280$0$44,487,844
85$73,709,676$481,562$0$48,898,122
86$81,106,644$383,739$0$53,756,148
87$89,254,278$277,299$0$59,107,622
88$98,229,025$161,697$0$65,002,907
89$108,115,128$36,362$0$71,497,513
90$119,005,414$0$0$78,652,614
91$131,002,181$0$0$86,570,605
92$144,218,151$0$0$95,307,491
93$158,777,543$0$0$104,932,600
94$174,817,241$0$0$115,536,439
95$192,488,087$0$0$127,218,741
96$211,956,302$0$0$140,089,412
97$233,405,060$0$0$154,269,564
98$257,036,212$0$0$169,892,659
99$283,072,192$0$0$187,105,769
100$311,758,119$0$0$206,070,964