Can I retire at age 35 with 838,000?

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 $838,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$69,201$68,585$67,983$67,396$66,823$65,581
2 years$34,258$33,620$33,002$32,402$31,821$30,574
3 years$22,612$21,971$21,354$20,760$20,188$18,976
4 years$16,790$16,151$15,540$14,957$14,398$13,230
5 years$13,298$12,663$12,060$11,488$10,945$9,824
6 years$10,970$10,340$9,746$9,187$8,661$7,587
7 years$9,308$8,684$8,099$7,553$7,044$6,018
8 years$8,063$7,443$6,869$6,336$5,843$4,866
9 years$7,094$6,481$5,916$5,397$4,921$3,991
10 years$6,320$5,712$5,158$4,652$4,193$3,310
11 years$5,687$5,086$4,541$4,049$3,606$2,769
12 years$5,160$4,564$4,030$3,551$3,125$2,332
13 years$4,714$4,125$3,600$3,135$2,725$1,975
14 years$4,332$3,749$3,235$2,783$2,389$1,681
15 years$4,002$3,425$2,921$2,482$2,103$1,436
16 years$3,713$3,143$2,648$2,223$1,859$1,231
17 years$3,458$2,894$2,410$1,997$1,648$1,057
18 years$3,232$2,674$2,200$1,800$1,465$911
19 years$3,030$2,479$2,014$1,626$1,306$786
20 years$2,848$2,303$1,848$1,473$1,167$679
21 years$2,684$2,145$1,700$1,337$1,044$588
22 years$2,535$2,003$1,567$1,215$936$509
23 years$2,399$1,873$1,447$1,107$840$442
24 years$2,275$1,755$1,338$1,009$755$384
25 years$2,160$1,647$1,239$922$679$333
26 years$2,055$1,548$1,149$843$612$290
27 years$1,958$1,457$1,067$772$552$252
28 years$1,868$1,373$992$707$498$220
29 years$1,784$1,295$923$648$450$191
30 years$1,706$1,223$860$595$406$167
31 years$1,633$1,156$802$546$367$145
32 years$1,565$1,094$748$502$332$127
33 years$1,501$1,036$698$462$301$110
34 years$1,441$982$653$425$272$96
35 years$1,384$931$610$391$247$84
36 years$1,331$884$571$360$223$73
37 years$1,281$839$534$332$202$64
38 years$1,233$798$500$306$184$56
39 years$1,188$759$469$282$166$49
40 years$1,146$722$439$260$151$42
41 years$1,105$687$412$240$137$37
42 years$1,067$654$386$222$124$32
43 years$1,030$623$363$204$113$28
44 years$996$594$340$189$102$25
45 years$963$567$320$174$93$22
46 years$931$541$300$161$84$19
47 years$901$516$282$149$77$16
48 years$872$492$265$138$70$14
49 years$845$470$249$127$63$13
50 years$818$449$234$117$57$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $838,000, adding $2,326 every year, while hoping to spend $21,799 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: 59/19/22 Blend
34$838,000$838,000$838,000$838,000
35$925,875$881,461$868,472$974,950
36$997,121$901,459$874,372$1,028,566
37$1,074,902$921,706$879,739$1,084,450
38$1,159,864$942,191$884,532$1,144,921
39$1,252,715$962,903$888,708$1,210,428
40$1,354,234$983,828$892,223$1,281,466
41$1,465,282$1,004,951$895,028$1,358,578
42$1,586,803$1,026,256$897,073$1,442,365
43$1,719,839$1,047,725$898,308$1,533,490
44$1,865,537$1,069,338$898,675$1,632,681
45$2,025,160$1,091,073$898,119$1,740,742
46$2,200,098$1,112,908$896,578$1,858,560
47$2,391,884$1,134,817$893,990$1,987,110
48$2,602,205$1,156,771$890,287$2,127,469
49$2,832,918$1,178,741$885,400$2,280,823
50$3,086,071$1,200,695$879,256$2,448,480
51$3,363,917$1,222,596$871,778$2,631,882
52$3,668,940$1,244,407$862,886$2,832,617
53$4,003,876$1,266,086$852,497$3,052,436
54$4,371,737$1,287,590$840,521$3,293,271
55$4,775,844$1,308,871$826,867$3,557,248
56$5,219,852$1,329,878$811,440$3,846,713
57$5,707,790$1,350,555$794,136$4,164,252
58$6,244,096$1,370,845$774,852$4,512,715
59$6,833,661$1,390,683$753,476$4,895,243
60$7,481,870$1,410,002$729,893$5,315,298
61$8,194,658$1,428,730$703,982$5,776,698
62$8,978,565$1,446,789$675,617$6,283,650
63$9,840,793$1,464,096$644,665$6,840,792
64$10,789,281$1,480,564$610,988$7,453,235
65$11,832,774$1,496,097$574,442$8,126,613
66$12,980,906$1,510,596$534,876$8,867,137
67$14,244,296$1,523,952$492,131$9,681,654
68$15,634,641$1,536,053$446,044$10,577,708
69$17,164,830$1,546,775$396,442$11,563,617
70$18,849,065$1,555,989$343,145$12,648,547
71$20,702,994$1,563,557$285,966$13,842,604
72$22,743,862$1,569,333$224,707$15,156,924
73$24,990,666$1,573,161$159,166$16,603,784
74$27,464,343$1,574,875$89,126$18,196,712
75$30,187,960$1,574,298$14,367$19,950,623
76$33,186,938$1,571,244$0$21,881,954
77$36,489,285$1,565,515$0$24,024,176
78$40,125,865$1,556,899$0$26,386,498
79$44,130,690$1,545,173$0$28,987,613
80$48,541,233$1,530,100$0$31,851,839
81$53,398,793$1,511,428$0$35,005,975
82$58,748,874$1,488,892$0$38,479,555
83$64,641,620$1,462,209$0$42,305,125
84$71,132,288$1,431,080$0$46,518,550
85$78,281,766$1,395,187$0$51,159,357
86$86,157,152$1,354,197$0$56,271,103
87$94,832,382$1,307,754$0$61,901,789
88$104,388,932$1,255,481$0$68,104,314
89$114,916,586$1,196,982$0$74,936,973
90$126,514,280$1,131,836$0$82,464,008
91$139,291,039$1,059,599$0$90,756,216
92$153,367,005$979,799$0$99,891,618
93$168,874,570$891,940$0$109,956,191
94$185,959,627$795,496$0$121,044,687
95$204,782,945$689,911$0$133,261,523
96$225,521,688$574,599$0$146,721,771
97$248,371,085$448,940$0$161,552,240
98$273,546,276$312,278$0$177,892,678
99$301,284,338$163,922$0$195,897,090
100$331,846,527$3,141$0$215,735,193