Can I retire at age 35 with 804,000?

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 $804,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$66,394$65,802$65,225$64,662$64,112$62,588
2 years$32,868$32,256$31,663$31,088$30,530$29,003
3 years$21,694$21,080$20,488$19,918$19,369$17,887
4 years$16,109$15,496$14,910$14,350$13,814$12,389
5 years$12,758$12,149$11,571$11,022$10,501$9,137
6 years$10,525$9,920$9,351$8,814$8,309$7,007
7 years$8,931$8,331$7,771$7,247$6,758$5,517
8 years$7,736$7,141$6,590$6,079$5,606$4,428
9 years$6,806$6,218$5,676$5,178$4,721$3,603
10 years$6,063$5,481$4,949$4,464$4,023$2,964
11 years$5,456$4,879$4,357$3,885$3,460$2,459
12 years$4,950$4,379$3,866$3,407$2,998$2,054
13 years$4,523$3,958$3,454$3,008$2,614$1,725
14 years$4,156$3,597$3,104$2,670$2,292$1,455
15 years$3,839$3,286$2,802$2,381$2,018$1,232
16 years$3,562$3,015$2,541$2,132$1,783$1,046
17 years$3,318$2,777$2,312$1,916$1,581$890
18 years$3,101$2,566$2,110$1,727$1,406$760
19 years$2,907$2,378$1,932$1,560$1,253$649
20 years$2,733$2,210$1,773$1,413$1,119$556
21 years$2,575$2,058$1,631$1,282$1,002$476
22 years$2,432$1,921$1,503$1,166$898$408
23 years$2,302$1,797$1,388$1,062$806$351
24 years$2,182$1,684$1,284$969$724$301
25 years$2,073$1,580$1,189$884$652$259
26 years$1,972$1,485$1,103$809$587$223
27 years$1,878$1,398$1,024$740$529$192
28 years$1,792$1,317$952$678$478$165
29 years$1,712$1,242$886$622$431$142
30 years$1,637$1,173$825$571$390$123
31 years$1,567$1,109$769$524$352$106
32 years$1,501$1,049$718$482$319$91
33 years$1,440$994$670$443$288$79
34 years$1,382$942$626$408$261$68
35 years$1,328$893$585$375$237$59
36 years$1,277$848$548$346$214$51
37 years$1,229$805$513$318$194$44
38 years$1,183$765$480$293$176$38
39 years$1,140$728$450$271$160$33
40 years$1,099$692$421$250$145$28
41 years$1,060$659$395$230$131$24
42 years$1,024$628$371$213$119$21
43 years$989$598$348$196$108$18
44 years$955$570$327$181$98$16
45 years$924$544$307$167$89$13
46 years$893$519$288$155$81$12
47 years$864$495$271$143$74$10
48 years$837$473$254$132$67$9
49 years$810$451$239$122$61$7
50 years$785$431$225$113$55$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $804,000, adding $5,396 every year, while hoping to spend $41,719 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: 37/34/29 Blend
34$804,000$804,000$804,000$804,000
35$891,574$848,962$836,500$916,676
36$938,126$846,172$820,134$932,960
37$988,028$841,848$801,822$946,365
38$1,041,577$835,869$781,453$960,055
39$1,099,101$828,110$758,915$974,083
40$1,160,958$818,436$734,087$988,511
41$1,227,541$806,705$706,845$1,003,412
42$1,299,283$792,766$677,057$1,018,870
43$1,376,659$776,460$644,587$1,034,979
44$1,460,189$757,618$609,292$1,051,851
45$1,550,448$736,060$571,022$1,069,609
46$1,648,064$711,598$529,622$1,088,397
47$1,753,731$684,031$484,929$1,108,376
48$1,868,209$653,146$436,771$1,129,731
49$1,992,335$618,718$384,972$1,152,668
50$2,127,029$580,512$329,345$1,177,423
51$2,273,304$538,275$269,695$1,204,262
52$2,432,272$491,741$205,821$1,233,481
53$2,605,159$440,631$137,511$1,265,419
54$2,793,310$384,648$64,543$1,300,451
55$2,998,210$323,477$0$1,339,002
56$3,221,489$256,789$0$1,385,670
57$3,464,942$184,233$0$1,458,446
58$3,730,546$105,440$0$1,538,009
59$4,020,475$20,020$0$1,625,107
60$4,337,123$0$0$1,720,568
61$4,683,126$0$0$1,852,414
62$5,061,385$0$0$2,004,847
63$5,475,095$0$0$2,171,678
64$5,927,773$0$0$2,354,340
65$6,423,292$0$0$2,554,409
66$6,965,917$0$0$2,773,624
67$7,560,344$0$0$3,013,895
68$8,211,746$0$0$3,277,332
69$8,925,818$0$0$3,566,254
70$9,708,835$0$0$3,883,217
71$10,567,706$0$0$4,231,036
72$11,510,042$0$0$4,612,811
73$12,544,225$0$0$5,031,960
74$13,679,490$0$0$5,492,244
75$14,926,009$0$0$5,997,809
76$16,294,985$0$0$6,553,219
77$17,798,763$0$0$7,163,506
78$19,450,939$0$0$7,834,211
79$21,266,493$0$0$8,571,439
80$23,261,928$0$0$9,381,915
81$25,455,424$0$0$10,273,049
82$27,867,011$0$0$11,253,006
83$30,518,757$0$0$12,330,780
84$33,434,974$0$0$13,516,281
85$36,642,449$0$0$14,820,428
86$40,170,696$0$0$16,255,250
87$44,052,232$0$0$17,834,003
88$48,322,884$0$0$19,571,291
89$53,022,128$0$0$21,483,206
90$58,193,460$0$0$23,587,480
91$63,884,805$0$0$25,903,649
92$70,148,969$0$0$28,453,240
93$77,044,137$0$0$31,259,973
94$84,634,421$0$0$34,349,984
95$92,990,465$0$0$37,752,073
96$102,190,110$0$0$41,497,975
97$112,319,130$0$0$45,622,658
98$123,472,037$0$0$50,164,652
99$135,752,976$0$0$55,166,418
100$149,276,705$0$0$60,674,739