Can I retire at age 35 with 818,000?

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 $818,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$67,550$66,948$66,361$65,788$65,228$63,703
2 years$33,440$32,818$32,214$31,629$31,061$29,533
3 years$22,072$21,447$20,845$20,265$19,706$18,224
4 years$16,389$15,766$15,170$14,600$14,055$12,628
5 years$12,980$12,360$11,772$11,214$10,684$9,318
6 years$10,708$10,093$9,514$8,968$8,454$7,150
7 years$9,086$8,476$7,906$7,373$6,875$5,633
8 years$7,870$7,266$6,705$6,185$5,704$4,523
9 years$6,925$6,326$5,775$5,268$4,803$3,683
10 years$6,169$5,576$5,035$4,541$4,093$3,032
11 years$5,551$4,964$4,432$3,952$3,520$2,517
12 years$5,036$4,456$3,934$3,467$3,050$2,104
13 years$4,601$4,027$3,514$3,061$2,660$1,768
14 years$4,229$3,660$3,158$2,717$2,332$1,492
15 years$3,906$3,343$2,851$2,423$2,053$1,264
16 years$3,624$3,068$2,585$2,169$1,814$1,074
17 years$3,375$2,825$2,352$1,949$1,609$915
18 years$3,155$2,611$2,147$1,757$1,430$781
19 years$2,957$2,419$1,966$1,587$1,275$668
20 years$2,780$2,248$1,804$1,438$1,139$572
21 years$2,620$2,094$1,659$1,305$1,019$491
22 years$2,474$1,955$1,529$1,186$914$421
23 years$2,342$1,828$1,412$1,080$820$362
24 years$2,220$1,713$1,306$985$737$311
25 years$2,109$1,608$1,210$900$663$268
26 years$2,006$1,511$1,122$823$597$231
27 years$1,911$1,422$1,042$753$539$199
28 years$1,823$1,340$968$690$486$171
29 years$1,741$1,264$901$633$439$148
30 years$1,665$1,194$839$581$397$128
31 years$1,594$1,128$783$533$359$110
32 years$1,527$1,068$730$490$324$95
33 years$1,465$1,011$682$451$293$82
34 years$1,406$958$637$415$266$71
35 years$1,351$909$596$382$241$61
36 years$1,299$863$557$352$218$53
37 years$1,250$819$521$324$198$46
38 years$1,204$779$488$299$179$39
39 years$1,160$741$457$275$162$34
40 years$1,118$705$429$254$147$29
41 years$1,079$671$402$234$134$25
42 years$1,041$639$377$216$121$22
43 years$1,006$609$354$200$110$19
44 years$972$580$332$184$100$16
45 years$940$553$312$170$91$14
46 years$909$528$293$157$82$12
47 years$879$504$275$145$75$11
48 years$851$481$259$134$68$9
49 years$824$459$243$124$62$8
50 years$799$439$229$115$56$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $818,000, adding $2,845 every year, while hoping to spend $27,350 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: 45/48/7 Blend
34$818,000$818,000$818,000$818,000
35$904,371$861,017$848,338$943,179
36$967,516$874,106$847,657$983,333
37$1,036,186$886,921$846,036$1,023,788
38$1,110,915$899,417$843,416$1,067,016
39$1,192,290$911,551$839,733$1,113,283
40$1,280,960$923,273$834,920$1,162,881
41$1,377,637$934,532$828,909$1,216,132
42$1,483,104$945,273$821,625$1,273,391
43$1,598,224$955,435$812,994$1,335,051
44$1,723,948$964,956$802,934$1,401,545
45$1,861,321$973,769$791,363$1,473,353
46$2,011,494$981,803$778,192$1,551,003
47$2,175,735$988,979$763,330$1,635,079
48$2,355,440$995,219$746,681$1,726,224
49$2,552,144$1,000,434$728,144$1,825,149
50$2,767,540$1,004,532$707,614$1,932,641
51$3,003,491$1,007,417$684,981$2,049,566
52$3,262,050$1,008,983$660,131$2,176,881
53$3,545,476$1,009,120$632,942$2,315,642
54$3,856,259$1,007,711$603,290$2,467,016
55$4,197,139$1,004,631$571,042$2,632,290
56$4,571,137$999,747$536,062$2,812,884
57$4,981,578$992,920$498,205$3,010,368
58$5,432,126$984,000$457,322$3,226,472
59$5,926,816$972,830$413,255$3,463,106
60$6,470,094$959,241$365,842$3,722,380
61$7,066,857$943,057$314,911$4,006,619
62$7,722,499$924,090$260,283$4,318,393
63$8,442,964$902,140$201,772$4,660,533
64$9,234,798$876,996$139,184$5,036,168
65$10,105,215$848,437$72,314$5,448,746
66$11,062,161$816,224$951$5,902,075
67$12,114,392$780,109$0$6,400,354
68$13,271,552$739,827$0$6,953,835
69$14,544,270$695,098$0$7,562,452
70$15,944,254$645,627$0$8,231,793
71$17,484,405$591,100$0$8,968,097
72$19,178,938$531,187$0$9,778,247
73$21,043,513$465,539$0$10,669,833
74$23,095,387$393,786$0$11,651,227
75$25,353,574$315,538$0$12,731,661
76$27,839,023$230,384$0$13,921,316
77$30,574,818$137,888$0$15,231,422
78$33,586,396$37,590$0$16,674,359
79$36,901,782$0$0$18,263,783
80$40,551,859$0$0$20,052,247
81$44,570,655$0$0$22,043,360
82$48,995,668$0$0$24,235,858
83$53,868,215$0$0$26,650,230
84$59,233,824$0$0$29,309,050
85$65,142,663$0$0$32,237,195
86$71,650,013$0$0$35,462,079
87$78,816,792$0$0$39,013,905
88$86,710,124$0$0$42,925,961
89$95,403,977$0$0$47,234,925
90$104,979,860$0$0$51,981,215
91$115,527,591$0$0$57,209,368
92$127,146,143$0$0$62,968,464
93$139,944,582$0$0$69,312,585
94$154,043,092$0$0$76,301,330
95$169,574,111$0$0$84,000,370
96$186,683,581$0$0$92,482,076
97$205,532,323$0$0$101,826,196
98$226,297,558$0$0$112,120,612
99$249,174,577$0$0$123,462,164
100$274,378,583$0$0$135,957,571