Can I retire at age 35 with 831,000?

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 $831,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$68,623$68,012$67,416$66,833$66,265$63,914
2 years$33,972$33,339$32,726$32,131$31,555$29,211
3 years$22,423$21,788$21,176$20,587$20,020$17,757
4 years$16,650$16,016$15,411$14,832$14,278$12,114
5 years$13,187$12,557$11,959$11,392$10,854$8,794
6 years$10,879$10,254$9,665$9,110$8,588$6,634
7 years$9,231$8,611$8,032$7,490$6,985$5,135
8 years$7,995$7,381$6,811$6,283$5,794$4,049
9 years$7,035$6,427$5,867$5,352$4,880$3,236
10 years$6,267$5,665$5,115$4,613$4,158$2,612
11 years$5,639$5,043$4,503$4,015$3,576$2,126
12 years$5,117$4,526$3,996$3,522$3,099$1,741
13 years$4,674$4,090$3,570$3,109$2,702$1,432
14 years$4,296$3,718$3,208$2,760$2,369$1,183
15 years$3,968$3,397$2,896$2,461$2,086$981
16 years$3,682$3,116$2,626$2,204$1,843$815
17 years$3,429$2,870$2,390$1,980$1,634$679
18 years$3,205$2,652$2,181$1,785$1,453$566
19 years$3,004$2,458$1,997$1,613$1,295$473
20 years$2,824$2,284$1,833$1,460$1,157$396
21 years$2,662$2,127$1,686$1,325$1,035$331
22 years$2,514$1,986$1,554$1,205$928$278
23 years$2,379$1,857$1,435$1,098$833$233
24 years$2,256$1,740$1,327$1,001$749$196
25 years$2,142$1,633$1,229$914$674$164
26 years$2,038$1,535$1,140$836$607$138
27 years$1,942$1,444$1,058$765$547$116
28 years$1,852$1,361$984$701$494$97
29 years$1,769$1,284$915$643$446$82
30 years$1,692$1,213$853$590$403$69
31 years$1,619$1,146$795$542$364$58
32 years$1,552$1,085$742$498$329$49
33 years$1,488$1,027$693$458$298$41
34 years$1,429$974$647$421$270$34
35 years$1,373$923$605$388$244$29
36 years$1,320$876$566$357$222$24
37 years$1,270$832$530$329$201$21
38 years$1,223$791$496$303$182$17
39 years$1,178$752$465$280$165$15
40 years$1,136$716$436$258$150$12
41 years$1,096$681$408$238$136$10
42 years$1,058$649$383$220$123$9
43 years$1,022$618$360$203$112$7
44 years$987$589$337$187$102$6
45 years$955$562$317$173$92$5
46 years$923$536$298$160$84$4
47 years$893$512$280$148$76$4
48 years$865$488$263$136$69$3
49 years$837$466$247$126$63$3
50 years$811$445$232$116$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $831,000, adding $5,361 every year, while hoping to spend $56,525 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: 35/50/15 Blend
34$831,000$831,000$831,000$831,000
35$921,292$877,249$864,368$949,097
36$955,121$860,092$833,183$952,595
37$990,507$840,200$799,058$950,644
38$1,027,548$817,379$761,835$947,318
39$1,066,352$791,424$721,350$942,526
40$1,107,034$762,118$677,430$936,173
41$1,149,721$729,231$629,893$928,159
42$1,194,550$692,521$578,552$918,380
43$1,241,669$651,730$523,209$906,728
44$1,291,241$606,586$463,658$893,092
45$1,343,441$556,802$399,684$877,355
46$1,398,461$502,075$331,063$859,397
47$1,456,510$442,082$257,559$839,094
48$1,517,815$376,486$178,928$816,318
49$1,582,625$304,926$94,915$790,937
50$1,651,210$227,024$5,252$762,816
51$1,723,866$142,381$0$731,815
52$1,800,916$50,574$0$712,268
53$1,882,714$0$0$691,394
54$1,969,645$0$0$695,126
55$2,062,132$0$0$728,764
56$2,160,639$0$0$764,660
57$2,265,670$0$0$803,007
58$2,377,780$0$0$844,016
59$2,497,578$0$0$887,919
60$2,625,729$0$0$934,972
61$2,762,963$0$0$985,453
62$2,910,082$0$0$1,039,670
63$3,067,964$0$0$1,097,959
64$3,237,572$0$0$1,160,688
65$3,419,966$0$0$1,228,264
66$3,616,308$0$0$1,301,132
67$3,827,872$0$0$1,379,782
68$4,056,062$0$0$1,464,751
69$4,302,415$0$0$1,556,630
70$4,568,625$0$0$1,656,068
71$4,856,550$0$0$1,763,780
72$5,168,234$0$0$1,880,551
73$5,505,924$0$0$2,007,244
74$5,872,090$0$0$2,144,807
75$6,269,449$0$0$2,294,287
76$6,700,988$0$0$2,456,830
77$7,169,993$0$0$2,633,702
78$7,680,081$0$0$2,826,292
79$8,235,228$0$0$3,036,131
80$8,839,811$0$0$3,264,902
81$9,498,646$0$0$3,514,460
82$10,217,033$0$0$3,786,843
83$11,000,806$0$0$4,084,297
84$11,856,385$0$0$4,409,295
85$12,790,838$0$0$4,764,556
86$13,811,946$0$0$5,153,079
87$14,928,276$0$0$5,578,160
88$16,149,257$0$0$6,043,433
89$17,485,275$0$0$6,552,897
90$18,947,764$0$0$7,110,957
91$20,549,315$0$0$7,722,463
92$22,303,794$0$0$8,392,758
93$24,226,470$0$0$9,127,725
94$26,334,162$0$0$9,933,845
95$28,645,391$0$0$10,818,254
96$31,180,558$0$0$11,788,814
97$33,962,132$0$0$12,854,185
98$37,014,862$0$0$14,023,905
99$40,366,012$0$0$15,308,483
100$44,045,612$0$0$16,719,493