Can I retire at age 35 with 812,000?

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 $812,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$67,054$66,457$65,874$65,305$64,750$64,261
2 years$33,195$32,577$31,978$31,397$30,833$30,341
3 years$21,910$21,289$20,692$20,116$19,562$19,080
4 years$16,269$15,650$15,058$14,493$13,952$13,485
5 years$12,885$12,270$11,686$11,132$10,606$10,156
6 years$10,630$10,019$9,444$8,902$8,392$7,959
7 years$9,020$8,414$7,848$7,319$6,825$6,409
8 years$7,812$7,212$6,656$6,140$5,662$5,263
9 years$6,874$6,280$5,733$5,230$4,768$4,386
10 years$6,124$5,535$4,998$4,508$4,063$3,697
11 years$5,510$4,928$4,400$3,923$3,494$3,145
12 years$5,000$4,423$3,905$3,441$3,028$2,695
13 years$4,568$3,997$3,489$3,038$2,640$2,324
14 years$4,198$3,633$3,135$2,697$2,315$2,013
15 years$3,877$3,319$2,830$2,405$2,038$1,752
16 years$3,597$3,045$2,566$2,154$1,801$1,530
17 years$3,351$2,804$2,335$1,935$1,597$1,340
18 years$3,132$2,591$2,131$1,744$1,420$1,176
19 years$2,936$2,402$1,951$1,576$1,266$1,035
20 years$2,760$2,232$1,791$1,427$1,131$913
21 years$2,601$2,079$1,647$1,295$1,012$806
22 years$2,456$1,940$1,518$1,178$907$713
23 years$2,325$1,815$1,402$1,072$814$632
24 years$2,204$1,700$1,296$978$732$560
25 years$2,093$1,596$1,201$893$658$497
26 years$1,991$1,500$1,114$817$593$441
27 years$1,897$1,411$1,034$748$535$392
28 years$1,810$1,330$961$685$482$349
29 years$1,729$1,255$895$628$436$311
30 years$1,653$1,185$833$576$394$277
31 years$1,582$1,120$777$529$356$247
32 years$1,516$1,060$725$487$322$220
33 years$1,454$1,004$677$447$291$196
34 years$1,396$951$632$412$264$175
35 years$1,341$902$591$379$239$156
36 years$1,290$856$553$349$216$139
37 years$1,241$813$518$322$196$124
38 years$1,195$773$485$296$178$111
39 years$1,151$735$454$273$161$99
40 years$1,110$699$426$252$146$89
41 years$1,071$666$399$233$133$79
42 years$1,034$634$374$215$120$71
43 years$998$604$351$198$109$63
44 years$965$576$330$183$99$56
45 years$933$549$310$169$90$50
46 years$902$524$291$156$82$45
47 years$873$500$273$144$74$40
48 years$845$477$257$133$67$36
49 years$818$456$241$123$61$32
50 years$793$435$227$114$56$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $812,000, adding $4,319 every year, while hoping to spend $23,384 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: 38/46/16 Blend
34$812,000$812,000$812,000$812,000
35$899,279$856,243$843,657$928,964
36$966,125$873,319$847,039$967,711
37$1,039,006$890,447$849,751$1,006,996
38$1,118,512$907,606$851,745$1,048,954
39$1,205,294$924,773$852,972$1,093,836
40$1,300,067$941,920$853,380$1,141,923
41$1,403,620$959,020$852,914$1,193,520
42$1,516,820$976,043$851,518$1,248,968
43$1,640,623$992,956$849,131$1,308,641
44$1,776,079$1,009,724$845,690$1,372,952
45$1,924,348$1,026,310$841,129$1,442,357
46$2,086,704$1,042,671$835,380$1,517,359
47$2,264,552$1,058,766$828,369$1,598,513
48$2,459,438$1,074,547$820,021$1,686,431
49$2,673,065$1,089,965$810,256$1,781,790
50$2,907,310$1,104,965$798,991$1,885,336
51$3,164,237$1,119,489$786,139$1,997,891
52$3,446,123$1,133,478$771,608$2,120,364
53$3,755,474$1,146,865$755,304$2,253,757
54$4,095,051$1,159,580$737,125$2,399,177
55$4,467,895$1,171,548$716,968$2,557,842
56$4,877,356$1,182,690$694,722$2,731,100
57$5,327,125$1,192,921$670,274$2,920,437
58$5,821,268$1,202,150$643,504$3,127,491
59$6,364,262$1,210,280$614,286$3,354,070
60$6,961,043$1,217,210$582,491$3,602,170
61$7,617,045$1,222,829$547,980$3,873,993
62$8,338,257$1,227,021$510,611$4,171,965
63$9,131,278$1,229,664$470,236$4,498,766
64$10,003,377$1,230,626$426,697$4,857,351
65$10,962,562$1,229,767$379,831$5,250,980
66$12,017,657$1,226,939$329,469$5,683,247
67$13,178,384$1,221,986$275,433$6,158,121
68$14,455,456$1,214,740$217,537$6,679,974
69$15,860,675$1,205,024$155,587$7,253,632
70$17,407,046$1,192,652$89,380$7,884,417
71$19,108,896$1,177,424$18,706$8,578,199
72$20,982,014$1,159,129$0$9,341,451
73$23,043,797$1,137,544$0$10,190,995
74$25,313,413$1,112,432$0$11,129,058
75$27,811,983$1,083,543$0$12,161,167
76$30,562,780$1,050,611$0$13,296,941
77$33,591,448$1,013,356$0$14,546,981
78$36,926,246$971,480$0$15,922,978
79$40,598,309$924,669$0$17,437,819
80$44,641,949$872,590$0$19,105,710
81$49,094,973$814,891$0$20,942,314
82$53,999,041$751,201$0$22,964,896
83$59,400,059$681,127$0$25,192,490
84$65,348,615$604,251$0$27,646,080
85$71,900,450$520,136$0$30,348,795
86$79,116,990$428,317$0$33,326,133
87$87,065,923$328,304$0$36,606,203
88$95,821,834$219,579$0$40,219,988
89$105,466,918$101,594$0$44,201,643
90$116,091,744$0$0$48,588,816
91$127,796,119$0$0$53,436,283
92$140,690,026$0$0$58,833,228
93$154,894,660$0$0$64,778,973
94$170,543,576$0$0$71,329,445
95$187,783,946$0$0$78,546,269
96$206,777,949$0$0$86,497,359
97$227,704,301$0$0$95,257,549
98$250,759,943$0$0$104,909,309
99$276,161,900$0$0$115,543,516
100$304,149,327$0$0$127,260,317