Can I retire at age 35 with 826,000?

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 $826,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$68,210$67,603$67,010$66,431$65,866$63,353
2 years$33,767$33,139$32,529$31,938$31,365$28,862
3 years$22,288$21,656$21,048$20,463$19,899$17,486
4 years$16,549$15,920$15,318$14,743$14,192$11,887
5 years$13,107$12,481$11,887$11,324$10,789$8,598
6 years$10,813$10,192$9,607$9,056$8,537$6,461
7 years$9,175$8,559$7,983$7,445$6,943$4,981
8 years$7,947$7,337$6,770$6,246$5,760$3,911
9 years$6,993$6,388$5,831$5,320$4,850$3,112
10 years$6,229$5,631$5,084$4,586$4,133$2,502
11 years$5,605$5,013$4,476$3,991$3,554$2,026
12 years$5,086$4,499$3,972$3,501$3,080$1,652
13 years$4,646$4,066$3,549$3,091$2,686$1,353
14 years$4,270$3,696$3,189$2,743$2,354$1,112
15 years$3,944$3,376$2,879$2,447$2,073$917
16 years$3,659$3,098$2,610$2,191$1,832$758
17 years$3,408$2,853$2,375$1,968$1,625$628
18 years$3,186$2,636$2,168$1,774$1,444$521
19 years$2,986$2,443$1,985$1,603$1,287$433
20 years$2,807$2,270$1,822$1,452$1,150$361
21 years$2,646$2,115$1,676$1,317$1,029$300
22 years$2,499$1,974$1,544$1,198$922$250
23 years$2,365$1,846$1,426$1,091$828$209
24 years$2,242$1,730$1,319$995$744$174
25 years$2,130$1,623$1,221$909$670$145
26 years$2,026$1,526$1,133$831$603$121
27 years$1,930$1,436$1,052$761$544$101
28 years$1,841$1,353$978$697$491$85
29 years$1,758$1,276$910$639$443$71
30 years$1,681$1,205$848$586$400$59
31 years$1,610$1,139$790$539$362$50
32 years$1,542$1,078$737$495$327$41
33 years$1,479$1,021$688$455$296$35
34 years$1,420$968$643$419$268$29
35 years$1,364$918$601$386$243$24
36 years$1,312$871$563$355$220$20
37 years$1,262$827$527$327$200$17
38 years$1,216$786$493$302$181$14
39 years$1,171$748$462$278$164$12
40 years$1,129$711$433$256$149$10
41 years$1,089$677$406$237$135$8
42 years$1,052$645$381$218$123$7
43 years$1,016$615$357$202$111$6
44 years$981$586$335$186$101$5
45 years$949$559$315$172$92$4
46 years$918$533$296$159$83$3
47 years$888$508$278$147$76$3
48 years$860$485$261$136$69$2
49 years$832$464$245$125$62$2
50 years$806$443$231$116$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $826,000, adding $5,799 every year, while hoping to spend $20,882 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: 83/12/5 Blend
34$826,000$826,000$826,000$826,000
35$916,234$872,456$859,653$991,738
36$987,471$892,988$866,233$1,062,421
37$1,065,275$913,826$872,333$1,136,588
38$1,150,293$934,963$877,916$1,217,367
39$1,243,238$956,392$882,942$1,305,406
40$1,344,896$978,102$887,368$1,401,420
41$1,456,130$1,000,084$891,149$1,506,197
42$1,577,893$1,022,326$894,240$1,620,603
43$1,711,232$1,044,814$896,592$1,745,594
44$1,857,303$1,067,535$898,153$1,882,220
45$2,017,376$1,090,472$898,869$2,031,639
46$2,192,851$1,113,608$898,684$2,195,127
47$2,385,270$1,136,923$897,538$2,374,089
48$2,596,332$1,160,396$895,369$2,570,072
49$2,827,906$1,184,004$892,113$2,784,781
50$3,082,053$1,207,722$887,700$3,020,094
51$3,361,044$1,231,521$882,058$3,278,079
52$3,667,376$1,255,372$875,114$3,561,015
53$4,003,805$1,279,242$866,787$3,871,414
54$4,373,365$1,303,095$856,995$4,212,041
55$4,779,396$1,326,895$845,652$4,585,944
56$5,225,580$1,350,599$832,668$4,996,480
57$5,715,974$1,374,163$817,947$5,447,350
58$6,255,046$1,397,540$801,391$5,942,628
59$6,847,718$1,420,677$782,895$6,486,806
60$7,499,415$1,443,519$762,351$7,084,833
61$8,216,112$1,466,008$739,646$7,742,160
62$9,004,392$1,488,079$714,661$8,464,795
63$9,871,509$1,509,664$687,271$9,259,359
64$10,825,455$1,530,689$657,347$10,133,144
65$11,875,035$1,551,077$624,752$11,094,190
66$13,029,953$1,570,744$589,345$12,151,351
67$14,300,897$1,589,600$550,977$13,314,388
68$15,699,647$1,607,549$509,494$14,594,053
69$17,239,182$1,624,489$464,732$16,002,197
70$18,933,801$1,640,312$416,524$17,551,878
71$20,799,263$1,654,901$364,691$19,257,485
72$22,852,929$1,668,133$309,050$21,134,873
73$25,113,932$1,679,876$249,408$23,201,515
74$27,603,353$1,689,989$185,562$25,476,665
75$30,344,420$1,698,324$117,304$27,981,541
76$33,362,729$1,704,721$44,412$30,739,523
77$36,686,487$1,709,011$0$33,776,377
78$40,346,772$1,711,016$0$37,122,275
79$44,377,831$1,710,544$0$40,809,368
80$48,817,402$1,707,393$0$44,869,777
81$53,707,070$1,701,348$0$49,341,511
82$59,092,659$1,692,182$0$54,266,454
83$65,024,662$1,679,651$0$59,690,762
84$71,558,724$1,663,500$0$65,665,295
85$78,756,158$1,643,456$0$72,246,103
86$86,684,532$1,619,231$0$79,494,950
87$95,418,300$1,590,519$0$87,479,898
88$105,039,509$1,556,997$0$96,275,951
89$115,638,570$1,518,321$0$105,965,762
90$127,315,114$1,474,128$0$116,640,413
91$140,178,930$1,424,035$0$128,400,277
92$154,351,002$1,367,633$0$141,355,960
93$169,964,650$1,304,493$0$155,629,353
94$187,166,791$1,234,160$0$171,354,775
95$206,119,321$1,156,151$0$188,680,248
96$227,000,647$1,069,958$0$207,768,889
97$250,007,368$975,041$0$228,800,451
98$275,356,134$870,833$0$251,973,023
99$303,285,686$756,730$0$277,504,898
100$334,059,114$632,098$0$305,636,634