Can I retire at age 35 with 837,000?

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 $837,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$69,119$68,503$67,902$67,316$66,744$65,104
2 years$34,217$33,580$32,962$32,363$31,783$30,141
3 years$22,585$21,945$21,329$20,736$20,164$18,571
4 years$16,770$16,132$15,522$14,939$14,381$12,850
5 years$13,282$12,648$12,046$11,474$10,932$9,467
6 years$10,957$10,328$9,735$9,176$8,650$7,252
7 years$9,297$8,673$8,090$7,544$7,035$5,704
8 years$8,053$7,434$6,861$6,329$5,836$4,572
9 years$7,086$6,473$5,909$5,391$4,915$3,716
10 years$6,312$5,706$5,152$4,647$4,188$3,053
11 years$5,680$5,079$4,535$4,044$3,602$2,530
12 years$5,153$4,559$4,025$3,547$3,121$2,110
13 years$4,708$4,120$3,596$3,132$2,722$1,770
14 years$4,327$3,745$3,231$2,780$2,386$1,491
15 years$3,997$3,421$2,917$2,479$2,101$1,260
16 years$3,708$3,139$2,645$2,220$1,857$1,069
17 years$3,454$2,891$2,407$1,995$1,646$908
18 years$3,228$2,671$2,197$1,797$1,464$774
19 years$3,026$2,476$2,011$1,624$1,305$660
20 years$2,845$2,300$1,846$1,471$1,165$564
21 years$2,681$2,143$1,698$1,335$1,043$483
22 years$2,532$2,000$1,565$1,214$935$414
23 years$2,396$1,871$1,445$1,105$839$355
24 years$2,272$1,753$1,336$1,008$754$304
25 years$2,158$1,645$1,238$921$679$261
26 years$2,053$1,546$1,148$842$611$224
27 years$1,956$1,455$1,066$771$551$193
28 years$1,865$1,371$991$706$497$166
29 years$1,782$1,293$922$647$449$143
30 years$1,704$1,221$859$594$406$123
31 years$1,631$1,155$801$546$367$106
32 years$1,563$1,093$747$502$332$91
33 years$1,499$1,035$698$461$300$78
34 years$1,439$981$652$424$272$67
35 years$1,383$930$609$391$246$58
36 years$1,329$883$570$360$223$50
37 years$1,279$838$534$331$202$43
38 years$1,232$797$500$306$183$37
39 years$1,187$758$468$282$166$32
40 years$1,144$721$439$260$151$28
41 years$1,104$686$411$240$137$24
42 years$1,066$654$386$221$124$20
43 years$1,029$623$362$204$113$18
44 years$994$594$340$189$102$15
45 years$961$566$319$174$93$13
46 years$930$540$300$161$84$11
47 years$900$515$282$149$77$10
48 years$871$492$265$137$70$8
49 years$844$470$249$127$63$7
50 years$817$449$234$117$57$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $837,000, adding $4,328 every year, while hoping to spend $36,161 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: 46/40/14 Blend
34$837,000$837,000$837,000$837,000
35$926,838$882,477$869,504$965,611
36$982,901$887,244$860,157$997,735
37$1,043,470$891,032$849,285$1,028,542
38$1,108,966$893,755$836,799$1,061,169
39$1,179,854$895,322$822,606$1,095,799
40$1,256,643$895,636$806,606$1,132,636
41$1,339,892$894,594$788,699$1,171,906
42$1,430,216$892,085$768,776$1,213,858
43$1,528,295$887,993$746,726$1,258,773
44$1,634,871$882,195$722,431$1,306,958
45$1,750,765$874,560$695,770$1,358,756
46$1,876,877$864,948$666,613$1,414,547
47$2,014,201$853,212$634,827$1,474,754
48$2,163,827$839,197$600,271$1,539,843
49$2,326,957$822,737$562,799$1,610,333
50$2,504,911$803,656$522,258$1,686,799
51$2,699,147$781,770$478,488$1,769,877
52$2,911,264$756,881$431,322$1,860,273
53$3,143,027$728,782$380,585$1,958,769
54$3,396,376$697,253$326,095$2,066,229
55$3,673,448$662,060$267,661$2,183,612
56$3,976,598$622,959$205,086$2,311,979
57$4,308,415$579,688$138,160$2,452,504
58$4,671,753$531,972$66,668$2,606,487
59$5,069,753$479,520$0$2,775,366
60$5,505,876$422,025$0$2,962,169
61$5,983,932$359,161$0$3,177,940
62$6,508,119$290,586$0$3,414,693
63$7,083,058$215,935$0$3,674,619
64$7,713,841$134,827$0$3,960,136
65$8,406,076$46,856$0$4,273,919
66$9,165,939$0$0$4,618,919
67$10,000,235$0$0$5,019,701
68$10,916,460$0$0$5,482,591
69$11,922,870$0$0$5,991,148
70$13,028,561$0$0$6,549,982
71$14,243,554$0$0$7,164,170
72$15,578,887$0$0$7,839,308
73$17,046,723$0$0$8,581,558
74$18,660,460$0$0$9,397,711
75$20,434,860$0$0$10,295,248
76$22,386,186$0$0$11,282,411
77$24,532,357$0$0$12,368,282
78$26,893,115$0$0$13,562,866
79$29,490,212$0$0$14,877,188
80$32,347,613$0$0$16,323,394
81$35,491,726$0$0$17,914,869
82$38,951,644$0$0$19,666,358
83$42,759,427$0$0$21,594,110
84$46,950,398$0$0$23,716,030
85$51,563,477$0$0$26,051,844
86$56,641,550$0$0$28,623,289
87$62,231,873$0$0$31,454,318
88$68,386,514$0$0$34,571,322
89$75,162,849$0$0$38,003,384
90$82,624,099$0$0$41,782,549
91$90,839,927$0$0$45,944,127
92$99,887,098$0$0$50,527,028
93$109,850,196$0$0$55,574,129
94$120,822,432$0$0$61,132,674
95$132,906,512$0$0$67,254,724
96$146,215,614$0$0$73,997,650
97$160,874,453$0$0$81,424,666
98$177,020,456$0$0$89,605,435
99$194,805,061$0$0$98,616,719
100$214,395,144$0$0$108,543,107