Can I retire at age 35 with 830,000?

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 $830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$68,541$67,930$67,334$66,753$66,185$64,429
2 years$33,931$33,299$32,687$32,093$31,517$29,759
3 years$22,396$21,761$21,150$20,562$19,996$18,292
4 years$16,630$15,997$15,392$14,814$14,261$12,625
5 years$13,171$12,542$11,945$11,378$10,841$9,276
6 years$10,865$10,241$9,653$9,099$8,578$7,087
7 years$9,220$8,601$8,022$7,481$6,976$5,558
8 years$7,986$7,372$6,803$6,276$5,788$4,442
9 years$7,026$6,419$5,860$5,346$4,874$3,600
10 years$6,260$5,658$5,109$4,608$4,153$2,949
11 years$5,633$5,037$4,497$4,010$3,572$2,435
12 years$5,110$4,521$3,991$3,518$3,095$2,025
13 years$4,669$4,086$3,566$3,105$2,699$1,692
14 years$4,291$3,714$3,204$2,757$2,366$1,421
15 years$3,963$3,393$2,893$2,458$2,083$1,197
16 years$3,677$3,113$2,623$2,201$1,841$1,011
17 years$3,425$2,867$2,387$1,978$1,632$856
18 years$3,201$2,649$2,179$1,782$1,451$727
19 years$3,001$2,455$1,995$1,611$1,294$618
20 years$2,821$2,281$1,830$1,459$1,156$526
21 years$2,658$2,125$1,684$1,324$1,034$448
22 years$2,511$1,983$1,552$1,204$927$383
23 years$2,376$1,855$1,433$1,096$832$327
24 years$2,253$1,738$1,325$1,000$748$279
25 years$2,140$1,631$1,227$913$673$239
26 years$2,036$1,533$1,138$835$606$204
27 years$1,939$1,443$1,057$764$547$175
28 years$1,850$1,359$983$700$493$150
29 years$1,767$1,283$914$642$445$128
30 years$1,690$1,211$852$589$402$110
31 years$1,617$1,145$794$541$364$94
32 years$1,550$1,083$741$497$329$81
33 years$1,486$1,026$692$457$298$69
34 years$1,427$972$646$421$270$59
35 years$1,371$922$604$387$244$51
36 years$1,318$875$565$357$221$44
37 years$1,268$831$529$329$201$38
38 years$1,221$790$495$303$182$32
39 years$1,177$751$464$279$165$28
40 years$1,135$715$435$258$150$24
41 years$1,095$680$408$238$136$20
42 years$1,057$648$383$219$123$17
43 years$1,021$617$359$203$112$15
44 years$986$589$337$187$101$13
45 years$953$561$317$173$92$11
46 years$922$535$297$160$84$9
47 years$892$511$279$147$76$8
48 years$864$488$262$136$69$7
49 years$836$466$247$126$63$6
50 years$810$445$232$116$57$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $830,000, adding $4,937 every year, while hoping to spend $35,813 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: 79/9/12 Blend
34$830,000$830,000$830,000$830,000
35$919,753$875,763$862,898$989,962
36$975,463$880,570$853,700$1,041,620
37$1,035,655$884,413$842,994$1,093,164
38$1,100,748$887,206$830,691$1,148,682
39$1,171,204$888,859$816,699$1,208,554
40$1,247,530$889,275$800,921$1,273,201
41$1,330,281$888,353$783,255$1,343,085
42$1,420,072$885,985$763,596$1,418,718
43$1,517,575$882,054$741,832$1,500,661
44$1,623,533$876,439$717,849$1,589,534
45$1,738,759$869,011$691,523$1,686,019
46$1,864,153$859,633$662,729$1,790,868
47$2,000,699$848,158$631,333$1,904,912
48$2,149,485$834,432$597,197$2,029,063
49$2,311,706$818,292$560,177$2,164,329
50$2,488,677$799,566$520,120$2,311,820
51$2,681,845$778,068$476,867$2,472,760
52$2,892,806$753,606$430,255$2,648,498
53$3,123,314$725,974$380,110$2,840,521
54$3,375,299$694,954$326,251$3,050,468
55$3,650,889$660,317$268,490$3,280,144
56$3,952,426$621,818$206,631$3,531,542
57$4,282,488$579,202$140,467$3,806,857
58$4,643,914$532,195$69,785$4,108,508
59$5,039,830$480,509$0$4,439,162
60$5,473,681$423,842$0$4,802,484
61$5,949,257$361,871$0$5,210,572
62$6,470,736$294,258$0$5,658,086
63$7,042,717$220,643$0$6,148,998
64$7,670,268$140,648$0$6,687,681
65$8,358,968$53,873$0$7,278,957
66$9,114,965$0$0$7,928,138
67$9,945,031$0$0$8,645,047
68$10,856,624$0$0$9,438,255
69$11,857,961$0$0$10,309,580
70$12,958,094$0$0$11,266,902
71$14,166,995$0$0$12,318,901
72$15,495,651$0$0$13,475,142
73$16,956,163$0$0$14,746,160
74$18,561,866$0$0$16,143,564
75$20,327,451$0$0$17,680,142
76$22,269,101$0$0$19,369,983
77$24,404,650$0$0$21,228,612
78$26,753,744$0$0$23,273,132
79$29,338,030$0$0$25,522,388
80$32,181,358$0$0$27,997,144
81$35,310,008$0$0$30,720,275
82$38,752,933$0$0$33,716,990
83$42,542,038$0$0$37,015,063
84$46,712,476$0$0$40,645,095
85$51,302,979$0$0$44,640,807
86$56,356,227$0$0$49,039,353
87$61,919,248$0$0$53,881,675
88$68,043,859$0$0$59,212,884
89$74,787,159$0$0$65,082,687
90$82,212,065$0$0$71,545,857
91$90,387,905$0$0$78,662,751
92$99,391,071$0$0$86,499,872
93$109,305,745$0$0$95,130,506
94$120,224,683$0$0$104,635,406
95$132,250,101$0$0$115,103,555
96$145,494,630$0$0$126,633,009
97$160,082,383$0$0$139,331,817
98$176,150,128$0$0$153,319,044
99$193,848,572$0$0$168,725,893
100$213,343,788$0$0$185,696,942