Can I retire at age 35 with 821,000?

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 $821,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$67,797$67,194$66,604$66,029$65,468$63,499
2 years$33,563$32,938$32,332$31,745$31,175$29,208
3 years$22,153$21,525$20,921$20,339$19,779$17,876
4 years$16,449$15,823$15,225$14,653$14,106$12,281
5 years$13,028$12,406$11,815$11,255$10,723$8,981
6 years$10,748$10,130$9,549$9,001$8,485$6,828
7 years$9,120$8,507$7,935$7,400$6,901$5,328
8 years$7,899$7,292$6,729$6,208$5,725$4,235
9 years$6,950$6,349$5,796$5,288$4,821$3,414
10 years$6,192$5,597$5,053$4,558$4,108$2,780
11 years$5,571$4,982$4,449$3,967$3,533$2,283
12 years$5,055$4,472$3,948$3,479$3,061$1,887
13 years$4,618$4,041$3,527$3,072$2,670$1,568
14 years$4,244$3,673$3,169$2,727$2,340$1,308
15 years$3,920$3,356$2,862$2,432$2,061$1,095
16 years$3,637$3,079$2,594$2,177$1,821$919
17 years$3,388$2,835$2,361$1,956$1,615$773
18 years$3,166$2,620$2,155$1,763$1,436$652
19 years$2,968$2,428$1,973$1,593$1,280$550
20 years$2,790$2,256$1,811$1,443$1,143$465
21 years$2,630$2,102$1,665$1,310$1,023$394
22 years$2,484$1,962$1,535$1,191$917$334
23 years$2,350$1,835$1,417$1,084$823$283
24 years$2,229$1,719$1,311$989$740$240
25 years$2,117$1,613$1,214$903$666$204
26 years$2,014$1,516$1,126$826$600$173
27 years$1,918$1,427$1,045$756$541$147
28 years$1,830$1,345$972$693$488$125
29 years$1,748$1,269$904$635$440$106
30 years$1,671$1,198$842$583$398$91
31 years$1,600$1,133$785$535$360$77
32 years$1,533$1,072$733$492$325$66
33 years$1,470$1,015$684$452$295$56
34 years$1,411$962$639$416$267$47
35 years$1,356$912$598$383$242$40
36 years$1,304$866$559$353$219$34
37 years$1,255$822$523$325$198$29
38 years$1,208$782$490$300$180$25
39 years$1,164$743$459$276$163$21
40 years$1,122$707$430$255$148$18
41 years$1,083$673$404$235$134$15
42 years$1,045$641$379$217$122$13
43 years$1,009$611$355$200$111$11
44 years$975$582$333$185$100$10
45 years$943$555$313$171$91$8
46 years$912$530$294$158$83$7
47 years$883$505$276$146$75$6
48 years$854$482$260$135$68$5
49 years$827$461$244$125$62$4
50 years$802$440$229$115$56$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $821,000, adding $5,200 every year, while hoping to spend $36,644 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: 26/45/29 Blend
34$821,000$821,000$821,000$821,000
35$910,106$866,593$853,867$925,443
36$963,948$870,067$843,483$941,982
37$1,022,053$872,483$831,523$956,258
38$1,084,819$873,751$817,895$970,830
39$1,152,680$873,774$802,503$985,747
40$1,226,114$872,450$785,249$1,001,070
41$1,305,649$869,671$766,026$1,016,866
42$1,391,862$865,322$744,724$1,033,214
43$1,485,390$859,281$721,230$1,050,204
44$1,586,931$851,417$695,423$1,067,940
45$1,697,256$841,594$667,177$1,086,539
46$1,817,210$829,666$636,362$1,106,137
47$1,947,724$815,479$602,839$1,126,885
48$2,089,824$798,869$566,466$1,148,958
49$2,244,636$779,664$527,093$1,172,552
50$2,413,401$757,679$484,562$1,197,889
51$2,597,484$732,722$438,711$1,225,219
52$2,798,388$704,585$389,368$1,254,826
53$3,017,766$673,053$336,355$1,287,026
54$3,257,441$637,895$279,485$1,322,178
55$3,519,416$598,868$218,564$1,360,682
56$3,805,898$555,714$153,388$1,402,989
57$4,119,318$508,163$83,745$1,449,603
58$4,462,351$455,925$9,413$1,501,090
59$4,837,944$398,699$0$1,558,079
60$5,249,340$336,161$0$1,642,911
61$5,700,114$267,975$0$1,739,255
62$6,194,200$193,780$0$1,845,153
63$6,735,933$113,199$0$1,961,668
64$7,330,084$25,832$0$2,089,977
65$7,981,912$0$0$2,231,388
66$8,697,208$0$0$2,421,390
67$9,482,349$0$0$2,644,127
68$10,344,363$0$0$2,888,819
69$11,290,989$0$0$3,157,682
70$12,330,753$0$0$3,453,157
71$13,473,048$0$0$3,777,932
72$14,728,220$0$0$4,134,969
73$16,107,669$0$0$4,527,533
74$17,623,952$0$0$4,959,218
75$19,290,906$0$0$5,433,986
76$21,123,772$0$0$5,956,201
77$23,139,344$0$0$6,530,673
78$25,356,124$0$0$7,162,700
79$27,794,497$0$0$7,858,119
80$30,476,924$0$0$8,623,363
81$33,428,152$0$0$9,465,519
82$36,675,446$0$0$10,392,396
83$40,248,849$0$0$11,412,598
84$44,181,463$0$0$12,535,606
85$48,509,761$0$0$13,771,867
86$53,273,932$0$0$15,132,892
87$58,518,259$0$0$16,631,365
88$64,291,534$0$0$18,281,262
89$70,647,521$0$0$20,097,984
90$77,645,465$0$0$22,098,501
91$85,350,643$0$0$24,301,511
92$93,834,988$0$0$26,727,621
93$103,177,761$0$0$29,399,537
94$113,466,303$0$0$32,342,276
95$124,796,855$0$0$35,583,411
96$137,275,468$0$0$39,153,322
97$151,019,004$0$0$43,085,486
98$166,156,236$0$0$47,416,795
99$182,829,064$0$0$52,187,899
100$201,193,855$0$0$57,443,596