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%11.5%
1 years$68,954$68,339$67,740$67,155$66,584$66,164
2 years$34,135$33,500$32,884$32,286$31,707$31,283
3 years$22,531$21,892$21,278$20,686$20,116$19,702
4 years$16,730$16,093$15,485$14,903$14,347$13,946
5 years$13,250$12,617$12,017$11,447$10,906$10,519
6 years$10,931$10,303$9,711$9,154$8,630$8,257
7 years$9,275$8,652$8,070$7,526$7,018$6,660
8 years$8,034$7,417$6,844$6,314$5,822$5,478
9 years$7,069$6,458$5,895$5,378$4,903$4,574
10 years$6,297$5,692$5,139$4,636$4,178$3,862
11 years$5,666$5,067$4,525$4,034$3,593$3,292
12 years$5,141$4,548$4,015$3,539$3,114$2,826
13 years$4,697$4,110$3,588$3,124$2,715$2,441
14 years$4,317$3,736$3,223$2,773$2,380$2,119
15 years$3,987$3,413$2,910$2,473$2,096$1,848
16 years$3,699$3,131$2,639$2,215$1,852$1,617
17 years$3,446$2,884$2,401$1,990$1,642$1,419
18 years$3,220$2,665$2,192$1,793$1,460$1,248
19 years$3,019$2,470$2,007$1,620$1,302$1,101
20 years$2,838$2,295$1,841$1,467$1,163$973
21 years$2,674$2,138$1,694$1,332$1,040$861
22 years$2,526$1,995$1,561$1,211$933$763
23 years$2,390$1,866$1,441$1,103$837$678
24 years$2,267$1,749$1,333$1,006$752$602
25 years$2,153$1,641$1,235$919$677$536
26 years$2,048$1,542$1,145$840$610$477
27 years$1,951$1,451$1,063$769$550$425
28 years$1,861$1,368$989$704$496$379
29 years$1,778$1,290$920$646$448$338
30 years$1,700$1,218$857$593$405$302
31 years$1,627$1,152$799$544$366$270
32 years$1,559$1,090$745$500$331$241
33 years$1,495$1,032$696$460$300$215
34 years$1,436$978$650$423$271$193
35 years$1,379$928$608$390$246$172
36 years$1,326$881$569$359$223$154
37 years$1,276$836$532$331$202$138
38 years$1,229$795$498$305$183$124
39 years$1,184$756$467$281$166$111
40 years$1,142$719$438$259$150$99
41 years$1,101$685$410$239$136$89
42 years$1,063$652$385$221$124$79
43 years$1,027$621$361$204$112$71
44 years$992$592$339$188$102$64
45 years$959$565$318$174$93$57
46 years$928$539$299$160$84$51
47 years$898$514$281$148$76$46
48 years$869$491$264$137$69$41
49 years$842$469$248$127$63$37
50 years$815$448$233$117$57$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $835,000, adding $6,470 every year, while hoping to spend $32,571 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: 71/23/6 Blend
34$835,000$835,000$835,000$835,000
35$926,844$882,589$869,646$991,478
36$986,727$891,180$864,124$1,043,604
37$1,051,626$899,101$857,325$1,095,965
38$1,122,019$906,284$849,173$1,152,366
39$1,198,430$912,658$839,586$1,213,195
40$1,281,437$918,145$828,479$1,278,879
41$1,371,676$922,666$815,765$1,349,892
42$1,469,843$926,134$801,350$1,426,752
43$1,576,709$928,456$785,137$1,510,034
44$1,693,119$929,536$767,025$1,600,369
45$1,820,004$929,270$746,907$1,698,455
46$1,958,388$927,548$724,672$1,805,058
47$2,109,399$924,252$700,203$1,921,027
48$2,274,277$919,260$673,379$2,047,295
49$2,454,388$912,440$644,073$2,184,891
50$2,651,238$903,651$612,151$2,334,950
51$2,866,481$892,747$577,475$2,498,723
52$3,101,940$879,569$539,899$2,677,591
53$3,359,623$863,954$499,271$2,873,074
54$3,641,741$845,723$455,432$3,086,850
55$3,950,726$824,692$408,217$3,320,768
56$4,289,261$800,662$357,453$3,576,867
57$4,660,296$773,425$302,958$3,857,396
58$5,067,082$742,759$244,543$4,164,832
59$5,513,202$708,431$182,012$4,501,910
60$6,002,597$670,193$115,159$4,871,643
61$6,539,613$627,784$43,768$5,277,352
62$7,129,034$580,926$0$5,722,703
63$7,776,132$529,327$0$6,213,808
64$8,486,711$472,678$0$6,756,172
65$9,267,168$410,651$0$7,351,913
66$10,124,547$342,902$0$8,006,462
67$11,066,612$269,065$0$8,725,803
68$12,101,912$188,755$0$9,516,534
69$13,239,868$101,564$0$10,385,927
70$14,490,857$7,064$0$11,341,998
71$15,866,314$0$0$12,393,583
72$17,378,835$0$0$13,574,519
73$19,042,299$0$0$14,875,321
74$20,871,998$0$0$16,306,166
75$22,884,778$0$0$17,880,233
76$25,099,203$0$0$19,612,047
77$27,535,725$0$0$21,517,609
78$30,216,878$0$0$23,614,550
79$33,167,493$0$0$25,922,297
80$36,414,929$0$0$28,462,254
81$39,989,330$0$0$31,258,008
82$43,923,913$0$0$34,335,545
83$48,255,276$0$0$37,723,501
84$53,023,749$0$0$41,453,429
85$58,273,769$0$0$45,560,097
86$64,054,301$0$0$50,081,816
87$70,419,301$0$0$55,060,799
88$77,428,222$0$0$60,543,563
89$85,146,576$0$0$66,581,367
90$93,646,554$0$0$73,230,690
91$103,007,703$0$0$80,553,773
92$113,317,679$0$0$88,619,197
93$124,673,073$0$0$97,502,535
94$137,180,323$0$0$107,287,066
95$150,956,715$0$0$118,064,556
96$166,131,496$0$0$129,936,127
97$182,847,086$0$0$143,013,212
98$201,260,427$0$0$157,418,603
99$221,544,461$0$0$173,287,612
100$243,889,764$0$0$190,769,348