Can I retire at age 35 with 800,000?

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 $800,000?

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$66,063$65,475$64,901$64,340$63,793$62,608
2 years$32,705$32,095$31,505$30,933$30,378$29,188
3 years$21,586$20,975$20,386$19,819$19,273$18,115
4 years$16,029$15,419$14,836$14,278$13,746$12,630
5 years$12,695$12,088$11,513$10,967$10,449$9,378
6 years$10,473$9,871$9,304$8,771$8,268$7,243
7 years$8,886$8,290$7,732$7,211$6,724$5,745
8 years$7,697$7,106$6,557$6,049$5,578$4,645
9 years$6,773$6,187$5,648$5,152$4,698$3,810
10 years$6,033$5,453$4,924$4,441$4,003$3,160
11 years$5,429$4,855$4,335$3,865$3,442$2,643
12 years$4,926$4,357$3,847$3,390$2,983$2,226
13 years$4,500$3,938$3,437$2,993$2,601$1,886
14 years$4,136$3,579$3,088$2,657$2,280$1,605
15 years$3,820$3,270$2,788$2,370$2,008$1,371
16 years$3,544$3,000$2,528$2,122$1,775$1,175
17 years$3,301$2,763$2,300$1,906$1,573$1,009
18 years$3,085$2,553$2,100$1,718$1,399$869
19 years$2,892$2,366$1,922$1,552$1,247$750
20 years$2,719$2,199$1,764$1,406$1,114$648
21 years$2,562$2,048$1,623$1,276$997$561
22 years$2,420$1,912$1,496$1,160$893$486
23 years$2,290$1,788$1,381$1,057$802$422
24 years$2,172$1,675$1,277$964$721$366
25 years$2,063$1,572$1,183$880$649$318
26 years$1,962$1,478$1,097$805$584$277
27 years$1,869$1,391$1,019$737$527$241
28 years$1,783$1,310$947$675$475$210
29 years$1,703$1,236$881$619$429$183
30 years$1,628$1,167$821$568$388$159
31 years$1,559$1,104$765$522$351$139
32 years$1,494$1,044$714$479$317$121
33 years$1,433$989$667$441$287$105
34 years$1,375$937$623$406$260$92
35 years$1,321$889$582$373$235$80
36 years$1,271$844$545$344$213$70
37 years$1,223$801$510$317$193$61
38 years$1,177$762$478$292$175$53
39 years$1,134$724$447$269$159$46
40 years$1,094$689$419$248$144$41
41 years$1,055$656$393$229$131$35
42 years$1,019$625$369$211$119$31
43 years$984$595$346$195$108$27
44 years$951$567$325$180$98$24
45 years$919$541$305$166$89$21
46 years$889$516$287$154$81$18
47 years$860$492$269$142$73$16
48 years$833$470$253$131$66$14
49 years$806$449$238$121$60$12
50 years$781$429$224$112$55$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $800,000, adding $6,328 every year, while hoping to spend $21,738 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: 34/47/19 Blend
34$800,000$800,000$800,000$800,000
35$888,127$845,727$833,327$912,951
36$955,587$864,039$838,115$950,095
37$1,029,200$882,519$842,334$987,662
38$1,109,569$901,153$845,943$1,027,719
39$1,197,360$919,926$848,898$1,070,498
40$1,293,307$938,818$851,152$1,116,256
41$1,398,216$957,811$852,657$1,165,276
42$1,512,974$976,885$853,361$1,217,870
43$1,638,561$996,015$853,212$1,274,383
44$1,776,052$1,015,177$852,152$1,335,196
45$1,926,633$1,034,345$850,123$1,400,727
46$2,091,610$1,053,489$847,063$1,471,440
47$2,272,422$1,072,577$842,907$1,547,846
48$2,470,651$1,091,576$837,587$1,630,506
49$2,688,043$1,110,449$831,032$1,720,044
50$2,926,519$1,129,156$823,166$1,817,145
51$3,188,194$1,147,655$813,913$1,922,565
52$3,475,400$1,165,900$803,189$2,037,139
53$3,790,705$1,183,843$790,910$2,161,789
54$4,136,936$1,201,431$776,984$2,297,531
55$4,517,209$1,218,607$761,319$2,445,486
56$4,934,957$1,235,311$743,816$2,606,890
57$5,393,961$1,251,479$724,372$2,783,110
58$5,898,385$1,267,042$702,879$2,975,650
59$6,452,820$1,281,926$679,225$3,186,171
60$7,062,320$1,296,053$653,291$3,416,506
61$7,732,455$1,309,338$624,955$3,668,676
62$8,469,362$1,321,692$594,087$3,944,912
63$9,279,801$1,333,020$560,554$4,247,672
64$10,171,223$1,343,220$524,214$4,579,670
65$11,151,833$1,352,183$484,921$4,943,900
66$12,230,674$1,359,794$442,520$5,343,662
67$13,417,710$1,365,931$396,852$5,782,597
68$14,723,918$1,370,463$347,748$6,264,721
69$16,161,394$1,373,252$295,033$6,794,464
70$17,743,465$1,374,150$238,525$7,376,711
71$19,484,815$1,373,001$178,033$8,016,849
72$21,401,627$1,369,638$113,357$8,720,820
73$23,511,728$1,363,885$44,290$9,495,176
74$25,834,763$1,355,555$0$10,347,144
75$28,392,381$1,344,449$0$11,290,655
76$31,208,434$1,330,357$0$12,338,503
77$34,309,205$1,313,056$0$13,491,436
78$37,723,657$1,292,308$0$14,760,190
79$41,483,702$1,267,863$0$16,156,597
80$45,624,507$1,239,456$0$17,693,703
81$50,184,823$1,206,805$0$19,385,887
82$55,207,349$1,169,613$0$21,249,001
83$60,739,138$1,127,564$0$23,300,519
84$66,832,040$1,080,324$0$25,559,703
85$73,543,190$1,027,542$0$28,047,786
86$80,935,547$968,843$0$30,788,173
87$89,078,489$903,833$0$33,806,665
88$98,048,468$832,094$0$37,131,698
89$107,929,731$753,185$0$40,794,622
90$118,815,112$666,639$0$44,829,988
91$130,806,913$571,964$0$49,275,884
92$144,017,866$468,639$0$54,174,291
93$158,572,200$356,113$0$59,571,482
94$174,606,807$233,806$0$65,518,463
95$192,272,542$101,103$0$72,071,452
96$211,735,641$0$0$79,292,414
97$233,179,292$0$0$87,271,703
98$256,805,364$0$0$96,120,898
99$282,836,311$0$0$105,871,057
100$311,517,274$0$0$116,614,025