Can I retire at age 35 with 802,000?

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 $802,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$66,228$65,638$65,063$64,501$63,953$61,684
2 years$32,786$32,176$31,584$31,010$30,454$28,192
3 years$21,640$21,027$20,437$19,869$19,321$17,137
4 years$16,069$15,457$14,873$14,314$13,780$11,691
5 years$12,726$12,119$11,542$10,995$10,475$8,487
6 years$10,499$9,896$9,328$8,792$8,289$6,403
7 years$8,909$8,310$7,751$7,229$6,741$4,956
8 years$7,716$7,124$6,574$6,064$5,592$3,908
9 years$6,789$6,202$5,662$5,165$4,710$3,123
10 years$6,048$5,467$4,936$4,452$4,013$2,521
11 years$5,443$4,867$4,346$3,875$3,451$2,052
12 years$4,938$4,368$3,857$3,399$2,991$1,680
13 years$4,511$3,948$3,446$3,001$2,608$1,382
14 years$4,146$3,588$3,096$2,664$2,286$1,142
15 years$3,830$3,278$2,795$2,376$2,013$947
16 years$3,553$3,008$2,534$2,127$1,779$787
17 years$3,309$2,770$2,306$1,911$1,577$655
18 years$3,093$2,559$2,105$1,722$1,402$547
19 years$2,900$2,372$1,927$1,556$1,250$457
20 years$2,726$2,204$1,769$1,409$1,117$382
21 years$2,569$2,053$1,627$1,279$999$320
22 years$2,426$1,917$1,499$1,163$896$268
23 years$2,296$1,793$1,384$1,059$804$225
24 years$2,177$1,679$1,280$966$723$189
25 years$2,068$1,576$1,186$882$650$158
26 years$1,967$1,481$1,100$807$586$133
27 years$1,874$1,394$1,021$738$528$112
28 years$1,787$1,314$949$677$477$94
29 years$1,707$1,239$884$620$430$79
30 years$1,633$1,170$823$569$389$66
31 years$1,563$1,106$767$523$351$56
32 years$1,497$1,047$716$481$318$47
33 years$1,436$991$668$442$288$40
34 years$1,379$940$625$407$261$33
35 years$1,325$891$584$374$236$28
36 years$1,274$846$546$345$214$24
37 years$1,226$803$511$318$194$20
38 years$1,180$764$479$293$176$17
39 years$1,137$726$449$270$159$14
40 years$1,096$691$420$249$144$12
41 years$1,058$658$394$230$131$10
42 years$1,021$626$370$212$119$8
43 years$986$597$347$196$108$7
44 years$953$569$326$181$98$6
45 years$921$542$306$167$89$5
46 years$891$517$287$154$81$4
47 years$862$494$270$142$73$4
48 years$835$471$254$132$67$3
49 years$808$450$238$122$60$3
50 years$783$430$224$112$55$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $802,000, adding $4,087 every year, while hoping to spend $50,876 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: 37/33/30 Blend
34$802,000$802,000$802,000$802,000
35$888,020$845,514$833,083$912,800
36$924,466$832,812$806,859$918,865
37$962,925$817,783$778,052$920,521
38$1,003,547$800,259$746,521$921,355
39$1,046,499$780,062$712,120$921,326
40$1,091,961$757,003$674,695$920,397
41$1,140,129$730,885$634,085$918,528
42$1,191,220$701,495$590,124$915,683
43$1,245,467$668,612$542,636$911,826
44$1,303,129$631,998$491,439$906,925
45$1,364,488$591,406$436,342$900,948
46$1,429,851$546,570$377,145$893,868
47$1,499,556$497,212$313,639$885,662
48$1,573,972$443,036$245,607$876,311
49$1,653,505$383,733$172,823$865,802
50$1,738,598$318,971$95,048$854,129
51$1,829,738$248,405$12,036$841,292
52$1,927,460$171,665$0$827,304
53$2,032,348$88,364$0$836,689
54$2,145,046$0$0$850,680
55$2,266,260$0$0$866,251
56$2,396,763$0$0$917,642
57$2,537,407$0$0$973,110
58$2,689,126$0$0$1,033,035
59$2,852,947$0$0$1,097,834
60$3,029,998$0$0$1,167,964
61$3,221,519$0$0$1,243,928
62$3,428,872$0$0$1,326,282
63$3,653,557$0$0$1,415,633
64$3,897,220$0$0$1,512,651
65$4,161,672$0$0$1,618,072
66$4,448,908$0$0$1,732,707
67$4,761,118$0$0$1,857,447
68$5,100,714$0$0$1,993,272
69$5,470,348$0$0$2,141,262
70$5,872,940$0$0$2,302,605
71$6,311,701$0$0$2,478,607
72$6,790,168$0$0$2,670,706
73$7,312,230$0$0$2,880,488
74$7,882,171$0$0$3,109,694
75$8,504,705$0$0$3,360,244
76$9,185,021$0$0$3,634,251
77$9,928,834$0$0$3,934,042
78$10,742,435$0$0$4,262,178
79$11,632,750$0$0$4,621,480
80$12,607,407$0$0$5,015,054
81$13,674,804$0$0$5,446,322
82$14,844,192$0$0$5,919,050
83$16,125,755$0$0$6,437,389
84$17,530,713$0$0$7,005,908
85$19,071,421$0$0$7,629,641
86$20,761,487$0$0$8,314,133
87$22,615,900$0$0$9,065,490
88$24,651,171$0$0$9,890,439
89$26,885,485$0$0$10,796,393
90$29,338,876$0$0$11,791,513
91$32,033,412$0$0$12,884,793
92$34,993,403$0$0$14,086,139
93$38,245,629$0$0$15,406,466
94$41,819,593$0$0$16,857,799
95$45,747,799$0$0$18,453,383
96$50,066,053$0$0$20,207,814
97$54,813,807$0$0$22,137,170
98$60,034,524$0$0$24,259,168
99$65,776,090$0$0$26,593,326
100$72,091,263$0$0$29,161,149