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%11.8%
1 years$69,119$68,503$67,902$67,316$66,744$66,240
2 years$34,217$33,580$32,962$32,363$31,783$31,275
3 years$22,585$21,945$21,329$20,736$20,164$19,668
4 years$16,770$16,132$15,522$14,939$14,381$13,900
5 years$13,282$12,648$12,046$11,474$10,932$10,468
6 years$10,957$10,328$9,735$9,176$8,650$8,204
7 years$9,297$8,673$8,090$7,544$7,035$6,606
8 years$8,053$7,434$6,861$6,329$5,836$5,425
9 years$7,086$6,473$5,909$5,391$4,915$4,521
10 years$6,312$5,706$5,152$4,647$4,188$3,811
11 years$5,680$5,079$4,535$4,044$3,602$3,242
12 years$5,153$4,559$4,025$3,547$3,121$2,778
13 years$4,708$4,120$3,596$3,132$2,722$2,395
14 years$4,327$3,745$3,231$2,780$2,386$2,075
15 years$3,997$3,421$2,917$2,479$2,101$1,806
16 years$3,708$3,139$2,645$2,220$1,857$1,577
17 years$3,454$2,891$2,407$1,995$1,646$1,381
18 years$3,228$2,671$2,197$1,797$1,464$1,212
19 years$3,026$2,476$2,011$1,624$1,305$1,067
20 years$2,845$2,300$1,846$1,471$1,165$941
21 years$2,681$2,143$1,698$1,335$1,043$831
22 years$2,532$2,000$1,565$1,214$935$735
23 years$2,396$1,871$1,445$1,105$839$651
24 years$2,272$1,753$1,336$1,008$754$577
25 years$2,158$1,645$1,238$921$679$512
26 years$2,053$1,546$1,148$842$611$455
27 years$1,956$1,455$1,066$771$551$405
28 years$1,865$1,371$991$706$497$360
29 years$1,782$1,293$922$647$449$320
30 years$1,704$1,221$859$594$406$285
31 years$1,631$1,155$801$546$367$254
32 years$1,563$1,093$747$502$332$227
33 years$1,499$1,035$698$461$300$202
34 years$1,439$981$652$424$272$180
35 years$1,383$930$609$391$246$161
36 years$1,329$883$570$360$223$144
37 years$1,279$838$534$331$202$128
38 years$1,232$797$500$306$183$114
39 years$1,187$758$468$282$166$102
40 years$1,144$721$439$260$151$91
41 years$1,104$686$411$240$137$82
42 years$1,066$654$386$221$124$73
43 years$1,029$623$362$204$113$65
44 years$994$594$340$189$102$58
45 years$961$566$319$174$93$52
46 years$930$540$300$161$84$46
47 years$900$515$282$149$77$42
48 years$871$492$265$137$70$37
49 years$844$470$249$127$63$33
50 years$817$449$234$117$57$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $837,000, adding $2,756 every year, while hoping to spend $37,420 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: 67/19/14 Blend
34$837,000$837,000$837,000$837,000
35$925,217$880,856$867,882$984,028
36$979,774$884,203$857,142$1,026,935
37$1,038,643$886,460$844,787$1,069,166
38$1,102,222$887,535$830,725$1,114,395
39$1,170,951$887,327$814,858$1,162,913
40$1,245,315$885,733$797,082$1,215,043
41$1,325,844$882,640$777,291$1,271,137
42$1,413,123$877,932$755,373$1,331,590
43$1,507,793$871,483$731,210$1,396,831
44$1,610,561$863,159$704,679$1,467,340
45$1,722,205$852,820$675,652$1,543,642
46$1,843,578$840,316$643,994$1,626,321
47$1,975,621$825,489$609,566$1,716,017
48$2,119,368$808,172$572,220$1,813,442
49$2,275,958$788,187$531,804$1,919,377
50$2,446,643$765,345$488,156$2,034,687
51$2,632,802$739,449$441,111$2,160,327
52$2,835,952$710,286$390,492$2,297,349
53$3,057,763$677,634$336,118$2,446,915
54$3,300,074$641,257$277,797$2,610,309
55$3,564,909$600,907$215,331$2,788,948
56$3,854,497$556,318$148,512$2,984,393
57$4,171,290$507,212$77,121$3,198,369
58$4,517,991$453,295$934$3,432,780
59$4,897,574$394,254$0$3,689,727
60$5,313,315$329,761$0$3,983,532
61$5,768,821$259,467$0$4,305,676
62$6,268,066$183,006$0$4,658,879
63$6,815,425$99,990$0$5,046,295
64$7,415,717$10,008$0$5,471,399
65$8,074,250$0$0$5,938,025
66$8,796,870$0$0$6,468,666
67$9,590,018$0$0$7,053,447
68$10,460,787$0$0$7,695,512
69$11,416,990$0$0$8,400,630
70$12,467,236$0$0$9,175,155
71$13,621,008$0$0$10,026,089
72$14,888,750$0$0$10,961,142
73$16,281,972$0$0$11,988,811
74$17,813,351$0$0$13,118,456
75$19,496,856$0$0$14,360,388
76$21,347,874$0$0$15,725,969
77$23,383,360$0$0$17,227,715
78$25,621,992$0$0$18,879,416
79$28,084,351$0$0$20,696,267
80$30,793,111$0$0$22,695,008
81$33,773,256$0$0$24,894,083
82$37,052,312$0$0$27,313,817
83$40,660,609$0$0$29,976,600
84$44,631,564$0$0$32,907,105
85$49,001,998$0$0$36,132,517
86$53,812,485$0$0$39,682,792
87$59,107,728$0$0$43,590,935
88$64,936,987$0$0$47,893,314
89$71,354,539$0$0$52,630,003
90$78,420,191$0$0$57,845,158
91$86,199,846$0$0$63,587,437
92$94,766,120$0$0$69,910,453
93$104,199,032$0$0$76,873,286
94$114,586,755$0$0$84,541,035
95$126,026,446$0$0$92,985,434
96$138,625,170$0$0$102,285,530
97$152,500,900$0$0$112,528,426
98$167,783,637$0$0$123,810,106
99$184,616,634$0$0$136,236,336
100$203,157,748$0$0$149,923,667