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%19.4%
1 years$69,036$68,421$67,821$67,236$66,664$64,146
2 years$34,176$33,540$32,923$32,325$31,745$29,237
3 years$22,558$21,919$21,303$20,711$20,140$17,722
4 years$16,750$16,113$15,503$14,921$14,364$12,053
5 years$13,266$12,632$12,031$11,461$10,919$8,722
6 years$10,944$10,315$9,723$9,165$8,640$6,558
7 years$9,286$8,663$8,080$7,535$7,027$5,059
8 years$8,043$7,426$6,852$6,321$5,829$3,975
9 years$7,077$6,465$5,902$5,384$4,909$3,165
10 years$6,305$5,699$5,145$4,641$4,183$2,545
11 years$5,673$5,073$4,530$4,039$3,597$2,063
12 years$5,147$4,554$4,020$3,543$3,117$1,683
13 years$4,703$4,115$3,592$3,128$2,718$1,379
14 years$4,322$3,741$3,227$2,777$2,383$1,134
15 years$3,992$3,417$2,914$2,476$2,098$936
16 years$3,704$3,135$2,642$2,217$1,854$775
17 years$3,450$2,887$2,404$1,992$1,644$642
18 years$3,224$2,668$2,194$1,795$1,462$533
19 years$3,023$2,473$2,009$1,622$1,303$444
20 years$2,841$2,298$1,844$1,469$1,164$369
21 years$2,678$2,140$1,696$1,333$1,042$308
22 years$2,529$1,998$1,563$1,212$934$257
23 years$2,393$1,869$1,443$1,104$838$214
24 years$2,269$1,751$1,335$1,007$753$179
25 years$2,155$1,643$1,236$920$678$150
26 years$2,050$1,544$1,146$841$611$125
27 years$1,953$1,453$1,065$770$550$105
28 years$1,863$1,369$990$705$497$87
29 years$1,780$1,292$921$647$449$73
30 years$1,702$1,220$858$594$405$61
31 years$1,629$1,153$800$545$366$51
32 years$1,561$1,091$746$501$331$43
33 years$1,497$1,033$697$461$300$36
34 years$1,437$979$651$424$272$30
35 years$1,381$929$609$390$246$25
36 years$1,328$882$569$359$223$21
37 years$1,278$837$533$331$202$18
38 years$1,230$796$499$305$183$15
39 years$1,185$757$468$281$166$12
40 years$1,143$720$438$260$151$10
41 years$1,103$685$411$239$137$9
42 years$1,064$653$385$221$124$7
43 years$1,028$622$362$204$113$6
44 years$993$593$340$188$102$5
45 years$960$565$319$174$93$4
46 years$929$539$299$161$84$4
47 years$899$515$281$148$76$3
48 years$870$491$264$137$69$3
49 years$843$469$248$127$63$2
50 years$816$448$234$117$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $836,000, adding $2,399 every year, while hoping to spend $23,442 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: 38/48/14 Blend
34$836,000$836,000$836,000$836,000
35$923,747$879,439$866,481$954,848
36$993,027$897,589$870,566$995,426
37$1,068,588$915,843$874,002$1,036,809
38$1,151,045$934,181$876,743$1,081,024
39$1,241,078$952,582$878,739$1,128,336
40$1,339,431$971,022$879,941$1,179,039
41$1,446,927$989,476$880,293$1,233,456
42$1,564,471$1,007,917$879,739$1,291,946
43$1,693,057$1,026,315$878,221$1,354,900
44$1,833,783$1,044,639$875,675$1,422,754
45$1,987,856$1,062,853$872,037$1,495,986
46$2,156,605$1,080,922$867,239$1,575,124
47$2,341,496$1,098,804$861,209$1,660,753
48$2,544,141$1,116,457$853,872$1,753,513
49$2,766,316$1,133,836$845,148$1,854,116
50$3,009,976$1,150,890$834,957$1,963,342
51$3,277,277$1,167,567$823,212$2,082,056
52$3,570,592$1,183,810$809,822$2,211,210
53$3,892,534$1,199,559$794,692$2,351,854
54$4,245,983$1,214,748$777,725$2,505,146
55$4,634,111$1,229,309$758,817$2,672,366
56$5,060,412$1,243,166$737,859$2,854,924
57$5,528,734$1,256,242$714,737$3,054,375
58$6,043,319$1,268,451$689,335$3,272,435
59$6,608,836$1,279,704$661,526$3,510,998
60$7,230,433$1,289,905$631,183$3,772,152
61$7,913,780$1,298,953$598,170$4,058,199
62$8,665,121$1,306,737$562,344$4,371,681
63$9,491,339$1,313,143$523,559$4,715,400
64$10,400,017$1,318,048$481,659$5,092,447
65$11,399,507$1,321,321$436,483$5,506,230
66$12,499,014$1,322,824$387,863$5,960,511
67$13,708,679$1,322,407$335,622$6,459,435
68$15,039,675$1,319,915$279,575$7,007,576
69$16,504,312$1,315,182$219,532$7,609,979
70$18,116,156$1,308,030$155,290$8,272,205
71$19,890,153$1,298,273$86,641$9,000,389
72$21,842,772$1,285,711$13,367$9,801,296
73$23,992,157$1,270,134$0$10,682,385
74$26,358,306$1,251,318$0$11,661,568
75$28,963,247$1,229,027$0$12,740,992
76$31,831,260$1,203,011$0$13,928,696
77$34,989,093$1,173,003$0$15,235,750
78$38,466,223$1,138,723$0$16,674,354
79$42,295,130$1,099,873$0$18,257,961
80$46,511,605$1,056,138$0$20,001,398
81$51,155,084$1,007,184$0$21,921,013
82$56,269,026$952,659$0$24,034,827
83$61,901,318$892,191$0$26,362,704
84$68,104,728$825,384$0$28,926,544
85$74,937,405$751,823$0$31,750,485
86$82,463,424$671,065$0$34,861,139
87$90,753,392$582,647$0$38,287,837
88$99,885,116$486,075$0$42,062,915
89$109,944,335$380,829$0$46,222,014
90$121,025,528$266,361$0$50,804,422
91$133,232,810$142,090$0$55,853,444
92$146,680,909$7,405$0$61,416,817
93$161,496,252$0$0$67,547,157
94$177,818,157$0$0$74,375,531
95$195,800,149$0$0$81,902,911
96$215,611,408$0$0$90,196,227
97$237,438,364$0$0$99,333,547
98$261,486,459$0$0$109,400,899
99$287,982,085$0$0$120,493,084
100$317,174,721$0$0$132,714,570