Can I retire at age 35 with 819,000?

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 $819,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$67,632$67,030$66,442$65,868$65,308$63,066
2 years$33,481$32,858$32,253$31,667$31,099$28,863
3 years$22,099$21,473$20,870$20,290$19,731$17,571
4 years$16,409$15,785$15,188$14,618$14,072$12,005
5 years$12,996$12,376$11,787$11,228$10,697$8,729
6 years$10,721$10,106$9,525$8,979$8,464$6,596
7 years$9,097$8,487$7,916$7,382$6,884$5,115
8 years$7,880$7,275$6,713$6,193$5,711$4,040
9 years$6,933$6,334$5,782$5,275$4,809$3,234
10 years$6,177$5,583$5,041$4,547$4,098$2,616
11 years$5,558$4,970$4,438$3,957$3,524$2,133
12 years$5,043$4,461$3,938$3,471$3,054$1,750
13 years$4,607$4,031$3,519$3,064$2,663$1,443
14 years$4,234$3,664$3,162$2,720$2,335$1,195
15 years$3,911$3,348$2,855$2,426$2,055$992
16 years$3,628$3,071$2,588$2,172$1,817$826
17 years$3,380$2,829$2,355$1,952$1,611$690
18 years$3,159$2,614$2,150$1,759$1,432$577
19 years$2,961$2,422$1,968$1,589$1,277$483
20 years$2,784$2,251$1,806$1,439$1,140$405
21 years$2,623$2,097$1,661$1,306$1,020$340
22 years$2,477$1,957$1,531$1,188$915$286
23 years$2,345$1,831$1,414$1,082$821$240
24 years$2,223$1,715$1,308$987$738$202
25 years$2,112$1,610$1,211$901$664$170
26 years$2,009$1,513$1,123$824$598$143
27 years$1,914$1,424$1,043$754$539$121
28 years$1,825$1,341$970$691$487$102
29 years$1,743$1,266$902$634$439$86
30 years$1,667$1,195$840$581$397$72
31 years$1,596$1,130$783$534$359$61
32 years$1,529$1,069$731$491$325$51
33 years$1,467$1,012$683$451$294$43
34 years$1,408$960$638$415$266$36
35 years$1,353$910$596$382$241$31
36 years$1,301$864$558$352$218$26
37 years$1,252$820$522$324$198$22
38 years$1,205$780$489$299$179$18
39 years$1,161$741$458$276$163$16
40 years$1,120$705$429$254$148$13
41 years$1,080$671$403$235$134$11
42 years$1,043$639$378$216$121$9
43 years$1,007$609$354$200$110$8
44 years$973$581$333$185$100$7
45 years$941$554$312$170$91$6
46 years$910$528$293$157$82$5
47 years$880$504$276$145$75$4
48 years$852$481$259$134$68$3
49 years$825$460$243$124$62$3
50 years$800$439$229$115$56$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $819,000, adding $2,531 every year, while hoping to spend $56,100 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: 70/24/6 Blend
34$819,000$819,000$819,000$819,000
35$905,149$861,742$849,047$967,611
36$937,784$844,277$817,800$991,757
37$971,868$824,076$783,626$1,011,005
38$1,007,489$800,947$746,368$1,030,514
39$1,044,742$774,683$705,861$1,050,298
40$1,083,732$745,068$661,934$1,070,371
41$1,124,570$711,874$614,406$1,090,751
42$1,167,379$674,858$563,091$1,111,459
43$1,212,288$633,764$507,792$1,132,520
44$1,259,443$588,319$448,304$1,153,964
45$1,308,997$538,238$384,414$1,175,826
46$1,361,121$483,218$315,897$1,198,145
47$1,415,997$422,937$242,522$1,220,968
48$1,473,826$357,058$164,043$1,244,351
49$1,534,826$285,223$80,208$1,268,354
50$1,599,233$207,054$0$1,293,051
51$1,667,307$122,153$0$1,319,115
52$1,739,331$30,097$0$1,351,568
53$1,815,614$0$0$1,385,395
54$1,896,491$0$0$1,439,107
55$1,982,332$0$0$1,504,573
56$2,073,539$0$0$1,574,156
57$2,170,554$0$0$1,648,193
58$2,273,857$0$0$1,727,057
59$2,383,978$0$0$1,811,154
60$2,501,493$0$0$1,900,928
61$2,627,037$0$0$1,996,868
62$2,761,304$0$0$2,099,508
63$2,905,055$0$0$2,209,435
64$3,059,125$0$0$2,327,292
65$3,224,429$0$0$2,453,783
66$3,401,972$0$0$2,589,683
67$3,592,858$0$0$2,735,842
68$3,798,295$0$0$2,893,193
69$4,019,615$0$0$3,062,759
70$4,258,277$0$0$3,245,667
71$4,515,886$0$0$3,443,153
72$4,794,203$0$0$3,656,574
73$5,095,167$0$0$3,887,424
74$5,420,905$0$0$4,137,345
75$5,773,758$0$0$4,408,139
76$6,156,300$0$0$4,701,791
77$6,571,360$0$0$5,020,482
78$7,022,050$0$0$5,366,612
79$7,511,794$0$0$5,742,819
80$8,044,357$0$0$6,152,007
81$8,623,882$0$0$6,597,370
82$9,254,926$0$0$7,082,422
83$9,942,507$0$0$7,611,032
84$10,692,143$0$0$8,187,455
85$11,509,911$0$0$8,816,376
86$12,402,497$0$0$9,502,952
87$13,377,261$0$0$10,252,859
88$14,442,308$0$0$11,072,346
89$15,606,557$0$0$11,968,291
90$16,879,830$0$0$12,948,270
91$18,272,941$0$0$14,020,622
92$19,797,798$0$0$15,194,530
93$21,467,512$0$0$16,480,106
94$23,296,522$0$0$17,888,487
95$25,300,731$0$0$19,431,936
96$27,497,649$0$0$21,123,960
97$29,906,565$0$0$22,979,434
98$32,548,721$0$0$25,014,743
99$35,447,515$0$0$27,247,933
100$38,628,720$0$0$29,698,881