Can I retire at age 35 with 838,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%14.9%
1 years$69,201$68,585$67,983$67,396$66,823$65,474
2 years$34,258$33,620$33,002$32,402$31,821$30,467
3 years$22,612$21,971$21,354$20,760$20,188$18,873
4 years$16,790$16,151$15,540$14,957$14,398$13,131
5 years$13,298$12,663$12,060$11,488$10,945$9,730
6 years$10,970$10,340$9,746$9,187$8,661$7,498
7 years$9,308$8,684$8,099$7,553$7,044$5,935
8 years$8,063$7,443$6,869$6,336$5,843$4,787
9 years$7,094$6,481$5,916$5,397$4,921$3,917
10 years$6,320$5,712$5,158$4,652$4,193$3,241
11 years$5,687$5,086$4,541$4,049$3,606$2,704
12 years$5,160$4,564$4,030$3,551$3,125$2,272
13 years$4,714$4,125$3,600$3,135$2,725$1,919
14 years$4,332$3,749$3,235$2,783$2,389$1,629
15 years$4,002$3,425$2,921$2,482$2,103$1,387
16 years$3,713$3,143$2,648$2,223$1,859$1,186
17 years$3,458$2,894$2,410$1,997$1,648$1,016
18 years$3,232$2,674$2,200$1,800$1,465$872
19 years$3,030$2,479$2,014$1,626$1,306$751
20 years$2,848$2,303$1,848$1,473$1,167$647
21 years$2,684$2,145$1,700$1,337$1,044$558
22 years$2,535$2,003$1,567$1,215$936$482
23 years$2,399$1,873$1,447$1,107$840$417
24 years$2,275$1,755$1,338$1,009$755$361
25 years$2,160$1,647$1,239$922$679$313
26 years$2,055$1,548$1,149$843$612$271
27 years$1,958$1,457$1,067$772$552$235
28 years$1,868$1,373$992$707$498$204
29 years$1,784$1,295$923$648$450$177
30 years$1,706$1,223$860$595$406$154
31 years$1,633$1,156$802$546$367$133
32 years$1,565$1,094$748$502$332$116
33 years$1,501$1,036$698$462$301$101
34 years$1,441$982$653$425$272$88
35 years$1,384$931$610$391$247$76
36 years$1,331$884$571$360$223$66
37 years$1,281$839$534$332$202$58
38 years$1,233$798$500$306$184$50
39 years$1,188$759$469$282$166$44
40 years$1,146$722$439$260$151$38
41 years$1,105$687$412$240$137$33
42 years$1,067$654$386$222$124$29
43 years$1,030$623$363$204$113$25
44 years$996$594$340$189$102$22
45 years$963$567$320$174$93$19
46 years$931$541$300$161$84$16
47 years$901$516$282$149$77$14
48 years$872$492$265$138$70$12
49 years$845$470$249$127$63$11
50 years$818$449$234$117$57$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $838,000, adding $2,879 every year, while hoping to spend $43,082 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: 40/30/30 Blend
34$838,000$838,000$838,000$838,000
35$926,446$882,032$869,043$955,205
36$975,104$879,412$852,317$973,843
37$1,027,282$875,221$833,586$989,811
38$1,083,293$869,334$812,739$1,006,282
39$1,143,480$861,623$789,658$1,023,330
40$1,208,221$851,949$764,218$1,041,040
41$1,277,932$840,167$736,291$1,059,509
42$1,353,067$826,121$705,743$1,078,847
43$1,434,127$809,648$672,432$1,099,180
44$1,521,660$790,573$636,211$1,120,649
45$1,616,272$768,713$596,926$1,143,416
46$1,718,625$743,873$554,417$1,167,661
47$1,829,449$715,848$508,514$1,193,589
48$1,949,546$684,417$459,042$1,221,432
49$2,079,798$649,352$405,819$1,251,447
50$2,221,175$610,408$348,651$1,283,927
51$2,374,743$567,326$287,339$1,319,198
52$2,541,676$519,835$221,674$1,357,628
53$2,723,264$467,644$151,438$1,399,627
54$2,920,929$410,450$76,402$1,445,653
55$3,136,231$347,929$0$1,496,223
56$3,370,891$279,743$0$1,553,084
57$3,626,802$205,530$0$1,641,878
58$3,906,046$124,911$0$1,738,921
59$4,210,917$37,486$0$1,845,097
60$4,543,937$0$0$1,961,383
61$4,907,886$0$0$2,107,738
62$5,305,823$0$0$2,281,395
63$5,741,115$0$0$2,471,463
64$6,217,471$0$0$2,679,575
65$6,738,974$0$0$2,907,530
66$7,310,122$0$0$3,157,307
67$7,935,865$0$0$3,431,087
68$8,621,657$0$0$3,731,272
69$9,373,505$0$0$4,060,509
70$10,198,023$0$0$4,421,709
71$11,102,497$0$0$4,818,084
72$12,094,952$0$0$5,253,167
73$13,184,227$0$0$5,730,854
74$14,380,060$0$0$6,255,433
75$15,693,176$0$0$6,831,630
76$17,135,389$0$0$7,464,651
77$18,719,715$0$0$8,160,231
78$20,460,493$0$0$8,924,686
79$22,373,519$0$0$9,764,977
80$24,476,194$0$0$10,688,772
81$26,787,690$0$0$11,704,519
82$29,329,129$0$0$12,821,525
83$32,123,780$0$0$14,050,045
84$35,197,284$0$0$15,401,377
85$38,577,886$0$0$16,887,968
86$42,296,710$0$0$18,523,535
87$46,388,046$0$0$20,323,189
88$50,889,676$0$0$22,303,581
89$55,843,229$0$0$24,483,057
90$61,294,573$0$0$26,881,831
91$67,294,247$0$0$29,522,177
92$73,897,938$0$0$32,428,639
93$81,167,005$0$0$35,628,258
94$89,169,059$0$0$39,150,833
95$97,978,597$0$0$43,029,199
96$107,677,709$0$0$47,299,535
97$118,356,846$0$0$52,001,707
98$130,115,680$0$0$57,179,647
99$143,064,038$0$0$62,881,759
100$157,322,940$0$0$69,161,386