Can I retire at age 35 with 820,000?

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 $820,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$67,715$67,112$66,523$65,949$65,388$64,598
2 years$33,522$32,898$32,293$31,706$31,137$30,342
3 years$22,126$21,499$20,896$20,314$19,755$18,979
4 years$16,429$15,804$15,207$14,635$14,089$13,339
5 years$13,012$12,391$11,801$11,241$10,710$9,988
6 years$10,735$10,118$9,537$8,990$8,475$7,781
7 years$9,108$8,497$7,925$7,391$6,892$6,228
8 years$7,889$7,283$6,721$6,200$5,718$5,082
9 years$6,942$6,342$5,789$5,281$4,815$4,208
10 years$6,184$5,590$5,047$4,552$4,103$3,524
11 years$5,565$4,976$4,443$3,962$3,529$2,978
12 years$5,049$4,466$3,943$3,475$3,058$2,534
13 years$4,613$4,036$3,523$3,068$2,666$2,169
14 years$4,239$3,669$3,165$2,723$2,337$1,866
15 years$3,916$3,352$2,858$2,429$2,058$1,611
16 years$3,633$3,075$2,591$2,175$1,819$1,396
17 years$3,384$2,832$2,358$1,954$1,613$1,214
18 years$3,162$2,617$2,152$1,761$1,434$1,057
19 years$2,965$2,425$1,970$1,591$1,278$923
20 years$2,787$2,254$1,808$1,441$1,142$807
21 years$2,626$2,099$1,663$1,308$1,022$707
22 years$2,480$1,960$1,533$1,189$916$620
23 years$2,348$1,833$1,416$1,083$822$545
24 years$2,226$1,717$1,309$988$739$479
25 years$2,114$1,611$1,212$902$665$422
26 years$2,011$1,515$1,125$825$599$371
27 years$1,916$1,425$1,044$755$540$327
28 years$1,828$1,343$971$692$487$289
29 years$1,746$1,267$903$634$440$255
30 years$1,669$1,197$841$582$398$225
31 years$1,598$1,131$784$535$359$198
32 years$1,531$1,070$732$491$325$175
33 years$1,468$1,014$683$452$294$155
34 years$1,410$961$639$416$266$137
35 years$1,354$911$597$383$241$121
36 years$1,302$865$558$352$219$107
37 years$1,253$821$523$325$198$95
38 years$1,207$781$489$299$180$84
39 years$1,163$742$459$276$163$74
40 years$1,121$706$430$255$148$66
41 years$1,082$672$403$235$134$58
42 years$1,044$640$378$217$122$51
43 years$1,008$610$355$200$110$45
44 years$974$581$333$185$100$40
45 years$942$555$313$171$91$36
46 years$911$529$294$158$83$32
47 years$882$505$276$146$75$28
48 years$853$482$259$135$68$25
49 years$826$460$244$124$62$22
50 years$801$440$229$115$56$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $820,000, adding $2,934 every year, while hoping to spend $25,873 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: 27/43/30 Blend
34$820,000$820,000$820,000$820,000
35$906,666$863,206$850,496$922,655
36$971,618$877,975$851,459$950,733
37$1,042,327$892,600$851,587$978,459
38$1,119,354$907,047$850,825$1,007,711
39$1,203,315$921,279$849,115$1,038,636
40$1,294,889$935,257$846,396$1,071,401
41$1,394,821$948,939$842,604$1,106,188
42$1,503,934$962,278$837,672$1,143,200
43$1,623,132$975,226$831,531$1,182,664
44$1,753,410$987,731$824,106$1,224,829
45$1,895,866$999,738$815,321$1,269,973
46$2,051,705$1,011,186$805,096$1,318,402
47$2,222,258$1,022,013$793,346$1,370,459
48$2,408,988$1,032,151$779,982$1,426,519
49$2,613,506$1,041,528$764,913$1,487,002
50$2,837,587$1,050,066$748,041$1,552,372
51$3,083,185$1,057,684$729,265$1,623,140
52$3,352,454$1,064,294$708,479$1,699,877
53$3,647,764$1,069,804$685,573$1,783,210
54$3,971,727$1,074,115$660,430$1,873,837
55$4,327,218$1,077,122$632,929$1,972,528
56$4,717,406$1,078,713$602,944$2,080,137
57$5,145,780$1,078,769$570,342$2,197,608
58$5,616,186$1,077,165$534,985$2,325,984
59$6,132,858$1,073,766$496,727$2,466,420
60$6,700,460$1,068,432$455,418$2,620,194
61$7,324,133$1,061,010$410,900$2,788,718
62$8,009,537$1,051,343$363,008$2,973,554
63$8,762,910$1,039,259$311,569$3,176,427
64$9,591,124$1,024,579$256,404$3,399,246
65$10,501,749$1,007,114$197,324$3,644,119
66$11,503,126$986,662$134,133$3,913,376
67$12,604,445$963,008$66,627$4,209,592
68$13,815,831$935,928$0$4,535,611
69$15,148,438$905,181$0$4,896,308
70$16,614,558$870,515$0$5,316,294
71$18,227,734$831,660$0$5,778,126
72$20,002,886$788,335$0$6,286,117
73$21,956,454$740,238$0$6,845,020
74$24,106,555$687,052$0$7,460,084
75$26,473,149$628,442$0$8,137,095
76$29,078,228$564,054$0$8,882,436
77$31,946,027$493,512$0$9,703,148
78$35,103,249$416,422$0$10,606,997
79$38,579,317$332,363$0$11,602,548
80$42,406,654$240,896$0$12,699,248
81$46,620,985$141,552$0$13,907,516
82$51,261,677$33,839$0$15,238,841
83$56,372,107$0$0$16,705,895
84$62,000,077$0$0$18,361,813
85$68,198,257$0$0$20,203,320
86$75,024,687$0$0$22,231,672
87$82,543,325$0$0$24,465,895
88$90,824,647$0$0$26,926,958
89$99,946,313$0$0$29,637,962
90$109,993,903$0$0$32,624,370
91$121,061,718$0$0$35,914,237
92$133,253,676$0$0$39,538,478
93$146,684,289$0$0$43,531,163
94$161,479,745$0$0$47,929,835
95$177,779,098$0$0$52,775,864
96$195,735,580$0$0$58,114,839
97$215,518,048$0$0$63,996,998
98$237,312,577$0$0$70,477,703
99$261,324,216$0$0$77,617,959
100$287,778,923$0$0$85,484,994