Can I retire at age 35 with 835,000?

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 $835,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$68,954$68,339$67,740$67,155$66,584$64,094
2 years$34,135$33,500$32,884$32,286$31,707$29,227
3 years$22,531$21,892$21,278$20,686$20,116$17,724
4 years$16,730$16,093$15,485$14,903$14,347$12,061
5 years$13,250$12,617$12,017$11,447$10,906$8,732
6 years$10,931$10,303$9,711$9,154$8,630$6,569
7 years$9,275$8,652$8,070$7,526$7,018$5,071
8 years$8,034$7,417$6,844$6,314$5,822$3,986
9 years$7,069$6,458$5,895$5,378$4,903$3,176
10 years$6,297$5,692$5,139$4,636$4,178$2,556
11 years$5,666$5,067$4,525$4,034$3,593$2,073
12 years$5,141$4,548$4,015$3,539$3,114$1,692
13 years$4,697$4,110$3,588$3,124$2,715$1,387
14 years$4,317$3,736$3,223$2,773$2,380$1,142
15 years$3,987$3,413$2,910$2,473$2,096$943
16 years$3,699$3,131$2,639$2,215$1,852$781
17 years$3,446$2,884$2,401$1,990$1,642$648
18 years$3,220$2,665$2,192$1,793$1,460$539
19 years$3,019$2,470$2,007$1,620$1,302$448
20 years$2,838$2,295$1,841$1,467$1,163$374
21 years$2,674$2,138$1,694$1,332$1,040$312
22 years$2,526$1,995$1,561$1,211$933$260
23 years$2,390$1,866$1,441$1,103$837$217
24 years$2,267$1,749$1,333$1,006$752$182
25 years$2,153$1,641$1,235$919$677$152
26 years$2,048$1,542$1,145$840$610$127
27 years$1,951$1,451$1,063$769$550$106
28 years$1,861$1,368$989$704$496$89
29 years$1,778$1,290$920$646$448$75
30 years$1,700$1,218$857$593$405$62
31 years$1,627$1,152$799$544$366$52
32 years$1,559$1,090$745$500$331$44
33 years$1,495$1,032$696$460$300$37
34 years$1,436$978$650$423$271$31
35 years$1,379$928$608$390$246$26
36 years$1,326$881$569$359$223$22
37 years$1,276$836$532$331$202$18
38 years$1,229$795$498$305$183$15
39 years$1,184$756$467$281$166$13
40 years$1,142$719$438$259$150$11
41 years$1,101$685$410$239$136$9
42 years$1,063$652$385$221$124$7
43 years$1,027$621$361$204$112$6
44 years$992$592$339$188$102$5
45 years$959$565$318$174$93$4
46 years$928$539$299$160$84$4
47 years$898$514$281$148$76$3
48 years$869$491$264$137$69$3
49 years$842$469$248$127$63$2
50 years$815$448$233$117$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $835,000, adding $6,792 every year, while hoping to spend $23,503 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: 67/20/13 Blend
34$835,000$835,000$835,000$835,000
35$927,176$882,921$869,978$986,116
36$996,741$901,177$874,116$1,044,505
37$1,072,614$919,540$877,604$1,104,912
38$1,155,413$937,990$880,396$1,170,359
39$1,245,820$956,506$882,444$1,241,339
40$1,344,583$975,065$883,696$1,318,393
41$1,452,529$993,642$884,098$1,402,119
42$1,570,566$1,012,209$883,594$1,493,173
43$1,699,693$1,030,736$882,124$1,592,281
44$1,841,013$1,049,193$879,626$1,700,240
45$1,995,737$1,067,545$876,035$1,817,931
46$2,165,203$1,085,755$871,282$1,946,321
47$2,350,879$1,103,783$865,296$2,086,480
48$2,554,387$1,121,586$858,001$2,239,585
49$2,777,509$1,139,119$849,319$2,406,931
50$3,022,211$1,156,332$839,168$2,589,949
51$3,290,657$1,173,172$827,460$2,790,213
52$3,585,230$1,189,583$814,106$3,009,461
53$3,908,555$1,205,505$799,010$3,249,604
54$4,263,525$1,220,872$782,074$3,512,751
55$4,653,325$1,235,615$763,194$3,801,226
56$5,081,465$1,249,661$742,262$4,117,590
57$5,551,810$1,262,931$719,164$4,464,667
58$6,068,620$1,275,339$693,781$4,845,566
59$6,636,586$1,286,798$665,989$5,263,716
60$7,260,877$1,297,210$635,659$5,722,897
61$7,947,187$1,306,474$602,654$6,227,274
62$8,701,791$1,314,482$566,834$6,781,436
63$9,531,600$1,321,118$528,049$7,390,444
64$10,444,229$1,326,259$486,145$8,059,874
65$11,448,070$1,329,774$440,960$8,795,871
66$12,552,366$1,331,526$392,325$9,605,210
67$13,767,303$1,331,366$340,063$10,495,356
68$15,104,103$1,329,139$283,991$11,474,537
69$16,575,131$1,324,676$223,914$12,551,824
70$18,194,013$1,317,804$159,633$13,737,212
71$19,975,759$1,308,333$90,938$15,041,716
72$21,936,910$1,296,066$17,609$16,477,479
73$24,095,694$1,280,791$0$18,057,884
74$26,472,192$1,262,287$0$19,806,092
75$29,088,533$1,240,317$0$21,733,099
76$31,969,100$1,214,629$0$23,854,410
77$35,140,761$1,184,959$0$26,189,809
78$38,633,123$1,151,026$0$28,761,094
79$42,478,807$1,112,532$0$31,592,291
80$46,713,763$1,069,163$0$34,709,874
81$51,377,600$1,020,586$0$38,143,020
82$56,513,968$966,447$0$41,923,883
83$62,170,965$906,376$0$46,087,897
84$68,401,592$839,977$0$50,674,112
85$75,264,253$766,833$0$55,725,562
86$82,823,304$686,506$0$61,289,673
87$91,149,664$598,528$0$67,418,707
88$100,321,483$502,408$0$74,170,263
89$110,424,875$397,627$0$81,607,814
90$121,554,737$283,636$0$89,801,309
91$133,815,640$159,854$0$98,827,837
92$147,322,819$25,671$0$108,772,351
93$162,203,257$0$0$119,728,472
94$178,596,885$0$0$131,825,686
95$196,657,903$0$0$145,159,612
96$216,556,235$0$0$159,850,062
97$238,479,132$0$0$176,035,289
98$262,632,942$0$0$193,867,646
99$289,245,051$0$0$213,515,021
100$318,566,037$0$0$235,162,423