Can I retire at age 35 with 836,000?

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 $836,000?

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$69,036$68,421$67,821$67,236$66,664$66,244
2 years$34,176$33,540$32,923$32,325$31,745$31,321
3 years$22,558$21,919$21,303$20,711$20,140$19,726
4 years$16,750$16,113$15,503$14,921$14,364$13,962
5 years$13,266$12,632$12,031$11,461$10,919$10,532
6 years$10,944$10,315$9,723$9,165$8,640$8,267
7 years$9,286$8,663$8,080$7,535$7,027$6,668
8 years$8,043$7,426$6,852$6,321$5,829$5,485
9 years$7,077$6,465$5,902$5,384$4,909$4,579
10 years$6,305$5,699$5,145$4,641$4,183$3,867
11 years$5,673$5,073$4,530$4,039$3,597$3,296
12 years$5,147$4,554$4,020$3,543$3,117$2,830
13 years$4,703$4,115$3,592$3,128$2,718$2,444
14 years$4,322$3,741$3,227$2,777$2,383$2,122
15 years$3,992$3,417$2,914$2,476$2,098$1,850
16 years$3,704$3,135$2,642$2,217$1,854$1,618
17 years$3,450$2,887$2,404$1,992$1,644$1,420
18 years$3,224$2,668$2,194$1,795$1,462$1,250
19 years$3,023$2,473$2,009$1,622$1,303$1,102
20 years$2,841$2,298$1,844$1,469$1,164$974
21 years$2,678$2,140$1,696$1,333$1,042$862
22 years$2,529$1,998$1,563$1,212$934$764
23 years$2,393$1,869$1,443$1,104$838$679
24 years$2,269$1,751$1,335$1,007$753$603
25 years$2,155$1,643$1,236$920$678$536
26 years$2,050$1,544$1,146$841$611$478
27 years$1,953$1,453$1,065$770$550$426
28 years$1,863$1,369$990$705$497$380
29 years$1,780$1,292$921$647$449$339
30 years$1,702$1,220$858$594$405$302
31 years$1,629$1,153$800$545$366$270
32 years$1,561$1,091$746$501$331$241
33 years$1,497$1,033$697$461$300$216
34 years$1,437$979$651$424$272$193
35 years$1,381$929$609$390$246$173
36 years$1,328$882$569$359$223$154
37 years$1,278$837$533$331$202$138
38 years$1,230$796$499$305$183$124
39 years$1,185$757$468$281$166$111
40 years$1,143$720$438$260$151$99
41 years$1,103$685$411$239$137$89
42 years$1,064$653$385$221$124$80
43 years$1,028$622$362$204$113$71
44 years$993$593$340$188$102$64
45 years$960$565$319$174$93$57
46 years$929$539$299$161$84$51
47 years$899$515$281$148$76$46
48 years$870$491$264$137$69$41
49 years$843$469$248$127$63$37
50 years$816$448$234$117$57$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $836,000, adding $3,484 every year, while hoping to spend $52,856 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: 46/25/29 Blend
34$836,000$836,000$836,000$836,000
35$924,866$880,558$867,600$959,544
36$962,964$867,467$840,426$971,401
37$1,003,176$851,963$810,570$978,893
38$1,045,663$833,872$777,887$986,017
39$1,090,598$813,009$742,224$992,765
40$1,138,173$789,180$703,423$999,137
41$1,188,595$762,178$661,315$1,005,134
42$1,242,091$731,785$615,729$1,010,761
43$1,298,910$697,768$566,482$1,016,030
44$1,359,324$659,883$513,384$1,020,956
45$1,423,629$617,872$456,236$1,025,565
46$1,492,152$571,460$394,833$1,029,887
47$1,565,248$520,358$328,956$1,033,962
48$1,643,308$464,261$258,381$1,037,840
49$1,726,760$402,844$182,872$1,041,582
50$1,816,073$335,767$102,181$1,045,265
51$1,911,762$262,669$16,053$1,048,975
52$2,014,389$183,167$0$1,052,820
53$2,124,575$96,861$0$1,080,398
54$2,242,999$3,324$0$1,115,206
55$2,370,406$0$0$1,152,533
56$2,507,615$0$0$1,219,597
57$2,655,525$0$0$1,292,952
58$2,815,124$0$0$1,372,181
59$2,987,498$0$0$1,457,832
60$3,173,838$0$0$1,550,509
61$3,375,456$0$0$1,650,875
62$3,593,793$0$0$1,759,657
63$3,830,432$0$0$1,877,658
64$4,087,115$0$0$2,005,758
65$4,365,759$0$0$2,144,926
66$4,668,469$0$0$2,296,229
67$4,997,565$0$0$2,460,839
68$5,355,595$0$0$2,640,047
69$5,745,364$0$0$2,835,272
70$6,169,960$0$0$3,048,078
71$6,632,780$0$0$3,280,183
72$7,137,563$0$0$3,533,481
73$7,688,422$0$0$3,810,055
74$8,289,889$0$0$4,112,199
75$8,946,948$0$0$4,442,437
76$9,665,089$0$0$4,803,549
77$10,450,356$0$0$5,198,596
78$11,309,402$0$0$5,630,949
79$12,249,553$0$0$6,104,317
80$13,278,878$0$0$6,622,787
81$14,406,260$0$0$7,190,860
82$15,641,482$0$0$7,813,492
83$16,995,318$0$0$8,496,142
84$18,479,636$0$0$9,244,820
85$20,107,505$0$0$10,066,148
86$21,893,319$0$0$10,967,420
87$23,852,933$0$0$11,956,670
88$26,003,813$0$0$13,042,746
89$28,365,196$0$0$14,235,396
90$30,958,273$0$0$15,545,359
91$33,806,389$0$0$16,984,463
92$36,935,259$0$0$18,565,741
93$40,373,213$0$0$20,303,548
94$44,151,462$0$0$22,213,701
95$48,304,387$0$0$24,313,624
96$52,869,869$0$0$26,622,514
97$57,889,641$0$0$29,161,521
98$63,409,682$0$0$31,953,947
99$69,480,649$0$0$35,025,466
100$76,158,355$0$0$38,404,365