Can I retire at age 35 with 841,000?

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 $841,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$69,449$68,830$68,227$67,638$67,063$66,225
2 years$34,381$33,740$33,120$32,518$31,935$31,091
3 years$22,693$22,050$21,431$20,835$20,261$19,438
4 years$16,850$16,209$15,596$15,010$14,450$13,655
5 years$13,345$12,708$12,103$11,529$10,985$10,219
6 years$11,009$10,377$9,781$9,220$8,692$7,957
7 years$9,342$8,715$8,128$7,580$7,069$6,365
8 years$8,091$7,470$6,893$6,359$5,864$5,191
9 years$7,120$6,504$5,937$5,416$4,939$4,296
10 years$6,343$5,733$5,176$4,669$4,208$3,595
11 years$5,707$5,104$4,557$4,063$3,619$3,036
12 years$5,178$4,581$4,044$3,564$3,136$2,582
13 years$4,731$4,140$3,613$3,147$2,735$2,209
14 years$4,348$3,763$3,247$2,793$2,397$1,898
15 years$4,016$3,437$2,931$2,491$2,111$1,639
16 years$3,726$3,154$2,658$2,230$1,865$1,419
17 years$3,470$2,905$2,418$2,004$1,654$1,232
18 years$3,243$2,684$2,208$1,806$1,471$1,073
19 years$3,041$2,487$2,021$1,632$1,311$936
20 years$2,858$2,311$1,855$1,478$1,171$818
21 years$2,694$2,153$1,706$1,341$1,048$716
22 years$2,544$2,010$1,572$1,220$939$628
23 years$2,408$1,880$1,452$1,111$843$551
24 years$2,283$1,761$1,343$1,013$758$484
25 years$2,168$1,653$1,244$925$682$426
26 years$2,063$1,553$1,153$846$614$374
27 years$1,965$1,462$1,071$774$554$330
28 years$1,874$1,378$996$709$500$291
29 years$1,790$1,300$926$651$451$256
30 years$1,712$1,227$863$597$408$226
31 years$1,639$1,160$805$548$369$199
32 years$1,570$1,098$751$504$333$176
33 years$1,506$1,040$701$463$302$155
34 years$1,446$985$655$426$273$137
35 years$1,389$935$612$393$247$121
36 years$1,336$887$573$362$224$107
37 years$1,285$842$536$333$203$95
38 years$1,238$801$502$307$184$84
39 years$1,193$761$470$283$167$74
40 years$1,150$724$441$261$152$65
41 years$1,109$689$413$241$137$58
42 years$1,071$657$388$222$125$51
43 years$1,034$626$364$205$113$45
44 years$999$596$342$189$103$40
45 years$966$569$321$175$93$35
46 years$934$543$301$162$85$31
47 years$904$518$283$149$77$28
48 years$875$494$266$138$70$24
49 years$848$472$250$128$63$22
50 years$821$451$235$118$58$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $841,000, adding $3,789 every year, while hoping to spend $47,826 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: 56/35/9 Blend
34$841,000$841,000$841,000$841,000
35$930,690$886,117$873,082$980,593
36$974,734$878,651$851,444$1,007,254
37$1,021,668$869,215$827,478$1,030,648
38$1,071,735$857,664$801,055$1,054,975
39$1,125,204$843,841$772,042$1,080,330
40$1,182,367$827,582$740,298$1,106,820
41$1,243,546$808,711$705,676$1,134,566
42$1,309,094$787,044$668,022$1,163,704
43$1,379,397$762,384$627,176$1,194,386
44$1,454,879$734,525$582,970$1,226,781
45$1,536,006$703,246$535,229$1,261,080
46$1,623,289$668,315$483,769$1,297,496
47$1,717,289$629,487$428,400$1,336,269
48$1,818,622$586,502$368,922$1,377,663
49$1,927,966$539,085$305,125$1,421,978
50$2,046,064$486,945$236,792$1,469,545
51$2,173,733$429,776$163,695$1,520,735
52$2,311,872$367,254$85,597$1,575,961
53$2,461,469$299,035$2,251$1,635,685
54$2,623,609$224,758$0$1,700,419
55$2,799,485$144,039$0$1,779,060
56$2,990,412$56,476$0$1,864,690
57$3,197,832$0$0$1,957,828
58$3,423,335$0$0$2,074,062
59$3,668,668$0$0$2,224,248
60$3,935,754$0$0$2,387,819
61$4,226,709$0$0$2,566,081
62$4,543,860$0$0$2,760,469
63$4,889,770$0$0$2,972,562
64$5,267,260$0$0$3,204,101
65$5,679,434$0$0$3,456,999
66$6,129,710$0$0$3,733,365
67$6,621,849$0$0$4,035,518
68$7,159,994$0$0$4,366,013
69$7,748,706$0$0$4,727,663
70$8,393,005$0$0$5,123,565
71$9,098,422$0$0$5,557,130
72$9,871,046$0$0$6,032,114
73$10,717,581$0$0$6,552,654
74$11,645,413$0$0$7,123,304
75$12,662,676$0$0$7,749,083
76$13,778,326$0$0$8,435,515
77$15,002,230$0$0$9,188,689
78$16,345,255$0$0$10,015,308
79$17,819,372$0$0$10,922,757
80$19,437,767$0$0$11,919,172
81$21,214,964$0$0$13,013,514
82$23,166,963$0$0$14,215,653
83$25,311,390$0$0$15,536,466
84$27,667,662$0$0$16,987,932
85$30,257,172$0$0$18,583,251
86$33,103,484$0$0$20,336,962
87$36,232,564$0$0$22,265,086
88$39,673,013$0$0$24,385,272
89$43,456,348$0$0$26,716,964
90$47,617,289$0$0$29,281,588
91$52,194,089$0$0$32,102,748
92$57,228,899$0$0$35,206,450
93$62,768,155$0$0$38,621,351
94$68,863,026$0$0$42,379,023
95$75,569,889$0$0$46,514,253
96$82,950,860$0$0$51,065,373
97$91,074,385$0$0$56,074,617
98$100,015,880$0$0$61,588,522
99$109,858,442$0$0$67,658,366
100$120,693,635$0$0$74,340,649