Can I retire at age 35 with 829,000?

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 $829,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$68,458$67,848$67,253$66,673$66,106$63,458
2 years$33,890$33,259$32,647$32,054$31,479$28,844
3 years$22,369$21,735$21,125$20,537$19,971$17,433
4 years$16,610$15,978$15,374$14,796$14,244$11,821
5 years$13,155$12,527$11,930$11,365$10,828$8,527
6 years$10,852$10,229$9,642$9,089$8,568$6,391
7 years$9,208$8,590$8,012$7,472$6,968$4,913
8 years$7,976$7,363$6,795$6,268$5,781$3,846
9 years$7,018$6,411$5,853$5,339$4,868$3,051
10 years$6,252$5,651$5,102$4,602$4,148$2,445
11 years$5,626$5,031$4,492$4,005$3,567$1,974
12 years$5,104$4,515$3,987$3,513$3,091$1,603
13 years$4,663$4,081$3,562$3,102$2,696$1,308
14 years$4,286$3,709$3,200$2,753$2,363$1,072
15 years$3,959$3,388$2,889$2,456$2,081$881
16 years$3,673$3,109$2,620$2,199$1,839$726
17 years$3,421$2,863$2,384$1,975$1,630$599
18 years$3,197$2,646$2,176$1,780$1,450$495
19 years$2,997$2,452$1,992$1,609$1,292$410
20 years$2,818$2,278$1,828$1,457$1,154$340
21 years$2,655$2,122$1,682$1,322$1,033$282
22 years$2,508$1,981$1,550$1,202$926$234
23 years$2,373$1,853$1,431$1,095$831$195
24 years$2,250$1,736$1,323$999$747$162
25 years$2,137$1,629$1,226$912$672$134
26 years$2,033$1,531$1,137$834$605$112
27 years$1,937$1,441$1,056$763$546$93
28 years$1,848$1,358$981$699$493$77
29 years$1,765$1,281$913$641$445$64
30 years$1,687$1,210$851$589$402$54
31 years$1,615$1,144$793$541$363$45
32 years$1,548$1,082$740$497$329$37
33 years$1,485$1,025$691$457$297$31
34 years$1,425$971$646$420$269$26
35 years$1,369$921$604$387$244$22
36 years$1,317$874$565$356$221$18
37 years$1,267$830$528$328$200$15
38 years$1,220$789$495$303$182$12
39 years$1,176$750$464$279$165$10
40 years$1,133$714$435$257$149$9
41 years$1,093$680$407$237$136$7
42 years$1,055$647$382$219$123$6
43 years$1,019$617$359$202$112$5
44 years$985$588$337$187$101$4
45 years$952$561$316$173$92$3
46 years$921$535$297$159$83$3
47 years$891$510$279$147$76$2
48 years$863$487$262$136$69$2
49 years$835$465$246$126$63$2
50 years$809$444$232$116$57$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $829,000, adding $5,445 every year, while hoping to spend $46,593 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: 39/39/22 Blend
34$829,000$829,000$829,000$829,000
35$919,175$875,238$862,388$948,820
36$963,356$868,550$841,703$964,026
37$1,010,482$859,972$818,764$975,659
38$1,060,804$849,364$793,446$987,296
39$1,114,597$836,574$765,618$998,966
40$1,172,164$821,444$735,144$1,010,702
41$1,233,835$803,805$701,881$1,022,544
42$1,299,972$783,477$665,680$1,034,543
43$1,370,974$760,273$626,385$1,046,755
44$1,447,279$733,991$583,834$1,059,251
45$1,529,365$704,420$537,857$1,072,111
46$1,617,759$671,336$488,274$1,085,429
47$1,713,040$634,502$434,901$1,099,315
48$1,815,844$593,666$377,544$1,113,896
49$1,926,868$548,563$315,999$1,129,316
50$2,046,879$498,913$250,055$1,145,744
51$2,176,720$444,420$179,492$1,163,369
52$2,317,319$384,769$104,078$1,182,410
53$2,469,694$319,632$23,573$1,203,115
54$2,634,965$248,656$0$1,225,764
55$2,814,365$171,474$0$1,265,312
56$3,009,249$87,694$0$1,314,340
57$3,221,107$0$0$1,367,783
58$3,451,580$0$0$1,427,493
59$3,702,471$0$0$1,533,559
60$3,975,766$0$0$1,649,198
61$4,273,650$0$0$1,775,349
62$4,598,528$0$0$1,913,041
63$4,953,045$0$0$2,063,411
64$5,340,116$0$0$2,227,709
65$5,762,946$0$0$2,407,311
66$6,225,066$0$0$2,603,732
67$6,730,363$0$0$2,818,641
68$7,283,116$0$0$3,053,874
69$7,888,037$0$0$3,311,455
70$8,550,314$0$0$3,593,610
71$9,275,661$0$0$3,902,794
72$10,070,369$0$0$4,241,707
73$10,941,369$0$0$4,613,325
74$11,896,290$0$0$5,020,926
75$12,943,540$0$0$5,468,120
76$14,092,374$0$0$5,958,881
77$15,352,990$0$0$6,497,589
78$16,736,619$0$0$7,089,070
79$18,255,633$0$0$7,738,636
80$19,923,662$0$0$8,452,142
81$21,755,716$0$0$9,236,037
82$23,768,336$0$0$10,097,426
83$25,979,739$0$0$11,044,134
84$28,409,996$0$0$12,084,785
85$31,081,220$0$0$13,228,877
86$34,017,771$0$0$14,486,878
87$37,246,488$0$0$15,870,318
88$40,796,939$0$0$17,391,900
89$44,701,703$0$0$19,065,623
90$48,996,672$0$0$20,906,907
91$53,721,392$0$0$22,932,744
92$58,919,437$0$0$25,161,857
93$64,638,814$0$0$27,614,874
94$70,932,419$0$0$30,314,524
95$77,858,536$0$0$33,285,850
96$85,481,384$0$0$36,556,447
97$93,871,723$0$0$40,156,722
98$103,107,520$0$0$44,120,178
99$113,274,686$0$0$48,483,731
100$124,467,884$0$0$53,288,061