Can I retire at age 35 with 825,000?

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 $825,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$68,128$67,521$66,929$66,351$65,787$63,655
2 years$33,727$33,098$32,490$31,899$31,327$29,200
3 years$22,261$21,630$21,023$20,438$19,875$17,819
4 years$16,529$15,900$15,299$14,725$14,175$12,205
5 years$13,091$12,466$11,873$11,310$10,776$8,898
6 years$10,800$10,180$9,595$9,045$8,526$6,742
7 years$9,164$8,549$7,974$7,436$6,934$5,243
8 years$7,938$7,328$6,762$6,238$5,753$4,153
9 years$6,984$6,380$5,824$5,313$4,845$3,335
10 years$6,222$5,624$5,078$4,580$4,128$2,706
11 years$5,599$5,007$4,470$3,986$3,550$2,214
12 years$5,080$4,494$3,967$3,496$3,076$1,822
13 years$4,641$4,061$3,545$3,087$2,683$1,508
14 years$4,265$3,691$3,185$2,740$2,352$1,253
15 years$3,940$3,372$2,875$2,444$2,071$1,044
16 years$3,655$3,094$2,607$2,188$1,830$873
17 years$3,404$2,849$2,372$1,966$1,623$731
18 years$3,182$2,633$2,166$1,772$1,443$614
19 years$2,983$2,440$1,982$1,601$1,286$516
20 years$2,804$2,267$1,819$1,450$1,149$434
21 years$2,642$2,112$1,674$1,316$1,028$366
22 years$2,496$1,972$1,542$1,196$921$308
23 years$2,362$1,844$1,424$1,090$827$260
24 years$2,239$1,728$1,317$994$743$220
25 years$2,127$1,621$1,220$908$669$186
26 years$2,023$1,524$1,131$830$603$157
27 years$1,928$1,434$1,051$760$543$133
28 years$1,839$1,351$977$696$490$112
29 years$1,756$1,275$909$638$443$95
30 years$1,679$1,204$847$586$400$80
31 years$1,608$1,138$789$538$362$68
32 years$1,540$1,077$736$494$327$58
33 years$1,477$1,020$688$455$296$49
34 years$1,418$967$642$418$268$41
35 years$1,363$917$601$385$243$35
36 years$1,310$870$562$355$220$30
37 years$1,261$826$526$327$199$25
38 years$1,214$785$492$301$181$21
39 years$1,170$747$461$278$164$18
40 years$1,128$711$432$256$149$15
41 years$1,088$676$406$236$135$13
42 years$1,050$644$380$218$122$11
43 years$1,014$614$357$201$111$9
44 years$980$585$335$186$101$8
45 years$948$558$315$172$92$7
46 years$917$532$295$159$83$6
47 years$887$508$278$147$75$5
48 years$859$485$261$135$69$4
49 years$831$463$245$125$62$3
50 years$805$442$231$116$57$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $825,000, adding $4,111 every year, while hoping to spend $32,435 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: 65/25/10 Blend
34$825,000$825,000$825,000$825,000
35$913,390$869,665$856,878$970,542
36$972,046$877,769$851,073$1,017,256
37$1,035,597$885,182$843,986$1,064,078
38$1,104,509$891,836$835,541$1,114,404
39$1,179,293$897,661$825,656$1,168,573
40$1,260,512$902,577$814,246$1,226,958
41$1,348,785$906,504$801,224$1,289,972
42$1,444,792$909,354$786,496$1,358,072
43$1,549,283$911,034$769,966$1,431,758
44$1,663,080$911,446$751,531$1,511,584
45$1,787,093$910,485$731,085$1,598,163
46$1,922,317$908,039$708,517$1,692,168
47$2,069,852$903,992$683,711$1,794,344
48$2,230,906$898,217$656,544$1,905,510
49$2,406,810$890,581$626,891$2,026,572
50$2,599,030$880,945$594,617$2,158,530
51$2,809,178$869,158$559,584$2,302,485
52$3,039,030$855,063$521,646$2,459,652
53$3,290,542$838,492$480,651$2,631,374
54$3,565,866$819,267$436,442$2,819,128
55$3,867,373$797,200$388,852$3,024,548
56$4,197,675$772,092$337,707$3,249,433
57$4,559,645$743,732$282,828$3,495,769
58$4,956,452$711,898$224,026$3,765,747
59$5,391,582$676,353$161,103$4,061,782
60$5,868,877$636,848$93,854$4,386,540
61$6,392,568$593,119$22,063$4,742,959
62$6,967,315$544,886$0$5,134,283
63$7,598,251$491,856$0$5,569,906
64$8,291,031$433,715$0$6,050,843
65$9,051,884$370,135$0$6,579,113
66$9,887,672$300,767$0$7,159,539
67$10,805,954$225,244$0$7,797,439
68$11,815,057$143,178$0$8,498,677
69$12,924,157$54,157$0$9,269,716
70$14,143,359$0$0$10,117,683
71$15,483,799$0$0$11,062,056
72$16,957,746$0$0$12,116,931
73$18,578,715$0$0$13,277,089
74$20,361,598$0$0$14,553,197
75$22,322,802$0$0$15,957,005
76$24,480,406$0$0$17,501,463
77$26,854,326$0$0$19,200,836
78$29,466,509$0$0$21,070,843
79$32,341,136$0$0$23,128,803
80$35,504,850$0$0$25,393,801
81$38,987,007$0$0$27,886,863
82$42,819,955$0$0$30,631,159
83$47,039,337$0$0$33,652,217
84$51,684,425$0$0$36,978,169
85$56,798,495$0$0$40,640,011
86$62,429,232$0$0$44,671,898
87$68,629,178$0$0$49,111,465
88$75,456,232$0$0$54,000,184
89$82,974,193$0$0$59,383,752
90$91,253,360$0$0$65,312,524
91$100,371,200$0$0$71,841,986
92$110,413,074$0$0$79,033,283
93$121,473,046$0$0$86,953,790
94$133,654,767$0$0$95,677,750
95$147,072,455$0$0$105,286,976
96$161,851,971$0$0$115,871,621
97$178,132,009$0$0$127,531,030
98$196,065,402$0$0$140,374,674
99$215,820,565$0$0$154,523,187
100$237,583,083$0$0$170,109,503