Can I retire at age 35 with 814,000?

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 $814,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$67,219$66,621$66,036$65,466$64,910$63,315
2 years$33,277$32,657$32,057$31,474$30,909$29,312
3 years$21,964$21,342$20,743$20,166$19,610$18,061
4 years$16,309$15,688$15,095$14,528$13,986$12,497
5 years$12,917$12,300$11,715$11,159$10,632$9,207
6 years$10,656$10,044$9,467$8,924$8,413$7,053
7 years$9,042$8,435$7,867$7,337$6,842$5,547
8 years$7,832$7,230$6,672$6,155$5,676$4,446
9 years$6,891$6,295$5,747$5,243$4,780$3,614
10 years$6,139$5,549$5,010$4,519$4,073$2,970
11 years$5,524$4,940$4,411$3,933$3,503$2,460
12 years$5,012$4,434$3,914$3,450$3,035$2,052
13 years$4,579$4,007$3,497$3,046$2,647$1,721
14 years$4,208$3,642$3,142$2,704$2,320$1,450
15 years$3,887$3,327$2,837$2,411$2,043$1,226
16 years$3,606$3,053$2,572$2,159$1,806$1,039
17 years$3,359$2,811$2,341$1,940$1,601$883
18 years$3,139$2,598$2,137$1,748$1,423$752
19 years$2,943$2,408$1,956$1,580$1,269$642
20 years$2,767$2,237$1,795$1,431$1,133$549
21 years$2,607$2,084$1,651$1,298$1,014$470
22 years$2,462$1,945$1,522$1,180$909$402
23 years$2,330$1,819$1,405$1,075$816$345
24 years$2,210$1,705$1,300$981$733$296
25 years$2,099$1,600$1,204$895$660$254
26 years$1,996$1,503$1,116$819$595$218
27 years$1,902$1,415$1,037$749$536$188
28 years$1,814$1,333$964$687$484$161
29 years$1,733$1,258$897$630$437$139
30 years$1,657$1,188$835$578$395$119
31 years$1,586$1,123$779$531$357$103
32 years$1,520$1,063$727$488$323$88
33 years$1,458$1,006$678$449$292$76
34 years$1,399$954$634$413$264$66
35 years$1,345$905$593$380$239$56
36 years$1,293$859$554$350$217$49
37 years$1,244$815$519$322$197$42
38 years$1,198$775$486$297$178$36
39 years$1,154$737$455$274$162$31
40 years$1,113$701$427$253$147$27
41 years$1,074$667$400$233$133$23
42 years$1,036$636$375$215$121$20
43 years$1,001$606$352$199$110$17
44 years$967$577$331$183$99$15
45 years$935$550$310$169$90$13
46 years$904$525$292$156$82$11
47 years$875$501$274$145$74$9
48 years$847$478$257$134$68$8
49 years$820$457$242$123$61$7
50 years$795$436$227$114$56$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $814,000, adding $3,787 every year, while hoping to spend $48,333 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: 32/44/24 Blend
34$814,000$814,000$814,000$814,000
35$900,934$857,792$845,175$923,022
36$941,404$848,398$822,063$930,668
37$984,381$836,924$796,556$934,302
38$1,030,071$823,216$768,524$937,238
39$1,078,698$807,114$737,829$939,447
40$1,130,507$788,444$704,328$940,901
41$1,185,766$767,025$667,871$941,573
42$1,244,771$742,666$628,301$941,440
43$1,307,842$715,162$585,454$940,480
44$1,375,335$684,297$539,159$938,677
45$1,447,635$649,844$489,237$936,017
46$1,525,169$611,561$435,501$932,494
47$1,608,402$569,193$377,756$928,104
48$1,697,846$522,471$315,798$922,854
49$1,794,063$471,109$249,414$916,758
50$1,897,670$414,806$178,382$909,839
51$2,009,344$353,243$102,470$902,131
52$2,129,830$286,084$21,435$893,682
53$2,259,944$212,974$0$884,554
54$2,400,586$133,537$0$891,480
55$2,552,742$47,377$0$904,842
56$2,717,497$0$0$919,334
57$2,896,046$0$0$957,408
58$3,089,699$0$0$1,023,687
59$3,299,900$0$0$1,095,738
60$3,528,236$0$0$1,174,118
61$3,776,453$0$0$1,259,441
62$4,046,469$0$0$1,352,383
63$4,340,400$0$0$1,453,686
64$4,660,568$0$0$1,564,167
65$5,009,534$0$0$1,684,728
66$5,390,112$0$0$1,816,357
67$5,805,401$0$0$1,960,146
68$6,258,813$0$0$2,117,294
69$6,754,103$0$0$2,289,124
70$7,295,405$0$0$2,477,090
71$7,887,269$0$0$2,682,795
72$8,534,708$0$0$2,908,003
73$9,243,237$0$0$3,154,656
74$10,018,933$0$0$3,424,894
75$10,868,486$0$0$3,721,072
76$11,799,264$0$0$4,045,787
77$12,819,380$0$0$4,401,894
78$13,937,770$0$0$4,792,543
79$15,164,277$0$0$5,221,201
80$16,509,740$0$0$5,691,686
81$17,986,100$0$0$6,208,205
82$19,606,508$0$0$6,775,391
83$21,385,451$0$0$7,398,350
84$23,338,888$0$0$8,082,705
85$25,484,396$0$0$8,834,651
86$27,841,343$0$0$9,661,011
87$30,431,060$0$0$10,569,305
88$33,277,051$0$0$11,567,815
89$36,405,206$0$0$12,665,667
90$39,844,050$0$0$13,872,914
91$43,625,011$0$0$15,200,635
92$47,782,710$0$0$16,661,033
93$52,355,296$0$0$18,267,554
94$57,384,796$0$0$20,035,013
95$62,917,516$0$0$21,979,735
96$69,004,477$0$0$24,119,705
97$75,701,894$0$0$26,474,740
98$83,071,704$0$0$29,066,676
99$91,182,154$0$0$31,919,571
100$100,108,440$0$0$35,059,937