Can I retire at age 35 with 816,000?

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 $816,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$67,385$66,784$66,199$65,627$65,069$64,044
2 years$33,359$32,737$32,135$31,551$30,985$29,955
3 years$22,018$21,394$20,794$20,215$19,658$18,655
4 years$16,349$15,727$15,132$14,564$14,020$13,052
5 years$12,949$12,330$11,743$11,187$10,658$9,727
6 years$10,682$10,069$9,490$8,946$8,433$7,541
7 years$9,064$8,456$7,887$7,355$6,859$6,005
8 years$7,851$7,248$6,688$6,170$5,690$4,875
9 years$6,908$6,311$5,761$5,255$4,792$4,016
10 years$6,154$5,563$5,022$4,530$4,083$3,344
11 years$5,538$4,952$4,422$3,943$3,511$2,810
12 years$5,024$4,445$3,924$3,458$3,043$2,377
13 years$4,590$4,017$3,506$3,053$2,653$2,023
14 years$4,218$3,651$3,150$2,710$2,326$1,730
15 years$3,897$3,335$2,844$2,417$2,048$1,485
16 years$3,615$3,060$2,579$2,164$1,810$1,279
17 years$3,367$2,818$2,346$1,944$1,605$1,104
18 years$3,147$2,604$2,142$1,752$1,427$956
19 years$2,950$2,413$1,961$1,583$1,272$829
20 years$2,773$2,243$1,800$1,434$1,136$720
21 years$2,613$2,089$1,655$1,302$1,017$627
22 years$2,468$1,950$1,526$1,183$911$546
23 years$2,336$1,824$1,409$1,078$818$476
24 years$2,215$1,709$1,303$983$735$416
25 years$2,104$1,604$1,207$898$662$363
26 years$2,001$1,507$1,119$821$596$318
27 years$1,907$1,418$1,039$751$537$278
28 years$1,819$1,337$966$688$485$243
29 years$1,737$1,261$899$631$438$213
30 years$1,661$1,191$837$579$396$187
31 years$1,590$1,126$781$532$358$164
32 years$1,524$1,065$728$489$324$143
33 years$1,461$1,009$680$450$293$126
34 years$1,403$956$635$414$265$110
35 years$1,348$907$594$381$240$97
36 years$1,296$861$556$351$218$85
37 years$1,247$817$520$323$197$75
38 years$1,201$777$487$298$179$65
39 years$1,157$739$456$275$162$57
40 years$1,116$703$428$253$147$50
41 years$1,076$669$401$234$133$44
42 years$1,039$637$376$216$121$39
43 years$1,003$607$353$199$110$34
44 years$970$579$331$184$100$30
45 years$937$552$311$170$91$26
46 years$907$526$292$157$82$23
47 years$877$502$275$145$75$20
48 years$849$480$258$134$68$18
49 years$822$458$243$124$62$16
50 years$797$437$228$114$56$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $816,000, adding $2,802 every year, while hoping to spend $25,167 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: 63/30/7 Blend
34$816,000$816,000$816,000$816,000
35$902,122$858,874$846,226$957,580
36$967,361$874,182$847,797$1,010,216
37$1,038,411$889,396$848,578$1,064,456
38$1,115,838$904,485$848,514$1,123,025
39$1,200,265$919,416$847,551$1,186,342
40$1,292,378$934,153$845,629$1,254,866
41$1,392,931$948,658$842,689$1,329,106
42$1,502,756$962,888$838,665$1,409,620
43$1,622,767$976,799$833,490$1,497,025
44$1,753,971$990,344$827,094$1,592,000
45$1,897,477$1,003,472$819,402$1,695,293
46$2,054,505$1,016,128$810,338$1,807,729
47$2,226,400$1,028,253$799,820$1,930,217
48$2,414,642$1,039,787$787,763$2,063,760
49$2,620,861$1,050,662$774,078$2,209,461
50$2,846,852$1,060,807$758,673$2,368,539
51$3,094,592$1,070,148$741,449$2,542,334
52$3,366,258$1,078,603$722,305$2,732,326
53$3,664,249$1,086,087$701,135$2,940,145
54$3,991,205$1,092,508$677,826$3,167,588
55$4,350,037$1,097,770$652,262$3,416,638
56$4,743,949$1,101,769$624,322$3,689,476
57$5,176,472$1,104,396$593,877$3,988,511
58$5,651,495$1,105,534$560,794$4,316,396
59$6,173,301$1,105,059$524,934$4,676,057
60$6,746,610$1,102,839$486,151$5,070,718
61$7,376,621$1,098,734$444,294$5,503,934
62$8,069,061$1,092,597$399,203$5,979,623
63$8,830,241$1,084,270$350,712$6,502,105
64$9,667,113$1,073,587$298,648$7,076,141
65$10,587,335$1,060,369$242,830$7,706,981
66$11,599,347$1,044,431$183,068$8,400,409
67$12,712,445$1,025,573$119,166$9,162,805
68$13,936,873$1,003,585$50,917$10,001,199
69$15,283,917$978,244$0$10,923,340
70$16,766,013$949,313$0$11,939,410
71$18,396,861$916,544$0$13,061,351
72$20,191,558$879,672$0$14,295,756
73$22,166,738$838,417$0$15,654,085
74$24,340,728$792,483$0$17,148,968
75$26,733,725$741,558$0$18,794,329
76$29,367,981$685,309$0$20,605,511
77$32,268,014$623,388$0$22,599,427
78$35,460,842$555,425$0$24,794,719
79$38,976,235$481,028$0$27,211,931
80$42,846,998$399,785$0$29,873,708
81$47,109,277$311,260$0$32,805,009
82$51,802,902$214,991$0$36,033,340
83$56,971,765$110,493$0$39,589,020
84$62,664,228$0$0$43,505,465
85$68,933,585$0$0$47,820,410
86$75,838,561$0$0$52,613,079
87$83,443,867$0$0$57,891,923
88$91,820,812$0$0$63,706,447
89$101,047,975$0$0$70,111,203
90$111,211,943$0$0$77,166,306
91$122,408,134$0$0$84,937,997
92$134,741,692$0$0$93,499,273
93$148,328,483$0$0$102,930,574
94$163,296,186$0$0$113,320,541
95$179,785,498$0$0$124,766,852
96$197,951,462$0$0$137,377,147
97$217,964,932$0$0$151,270,040
98$240,014,181$0$0$166,576,242
99$264,306,684$0$0$183,439,791
100$291,071,071$0$0$202,019,415