Can I retire at age 35 with 832,000?

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 $832,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$68,706$68,094$67,497$66,914$66,345$63,965
2 years$34,013$33,379$32,765$32,170$31,593$29,221
3 years$22,450$21,814$21,201$20,612$20,044$17,755
4 years$16,670$16,035$15,429$14,850$14,295$12,106
5 years$13,202$12,572$11,974$11,406$10,867$8,784
6 years$10,892$10,266$9,677$9,121$8,599$6,623
7 years$9,242$8,621$8,041$7,499$6,993$5,124
8 years$8,005$7,390$6,820$6,291$5,801$4,037
9 years$7,043$6,434$5,874$5,358$4,886$3,224
10 years$6,275$5,672$5,121$4,619$4,163$2,602
11 years$5,646$5,049$4,508$4,020$3,580$2,116
12 years$5,123$4,532$4,001$3,526$3,103$1,731
13 years$4,680$4,095$3,575$3,113$2,705$1,424
14 years$4,301$3,723$3,212$2,763$2,372$1,175
15 years$3,973$3,401$2,900$2,464$2,088$973
16 years$3,686$3,120$2,629$2,207$1,845$808
17 years$3,433$2,873$2,392$1,983$1,636$673
18 years$3,209$2,655$2,184$1,787$1,455$561
19 years$3,008$2,461$1,999$1,614$1,297$468
20 years$2,828$2,287$1,835$1,462$1,158$391
21 years$2,665$2,130$1,688$1,327$1,037$327
22 years$2,517$1,988$1,555$1,207$929$274
23 years$2,382$1,860$1,436$1,099$834$230
24 years$2,258$1,742$1,328$1,002$750$193
25 years$2,145$1,635$1,230$915$675$162
26 years$2,041$1,537$1,141$837$608$136
27 years$1,944$1,446$1,060$766$548$114
28 years$1,854$1,363$985$702$494$96
29 years$1,771$1,286$917$644$446$80
30 years$1,694$1,214$854$591$403$68
31 years$1,621$1,148$796$542$365$57
32 years$1,553$1,086$743$499$330$48
33 years$1,490$1,028$693$458$299$40
34 years$1,430$975$648$422$270$34
35 years$1,374$925$606$388$245$28
36 years$1,321$878$567$358$222$24
37 years$1,272$833$530$330$201$20
38 years$1,224$792$497$304$182$17
39 years$1,180$753$465$280$165$14
40 years$1,137$717$436$258$150$12
41 years$1,097$682$409$238$136$10
42 years$1,059$650$384$220$123$8
43 years$1,023$619$360$203$112$7
44 years$989$590$338$187$102$6
45 years$956$563$317$173$92$5
46 years$924$537$298$160$84$4
47 years$894$512$280$148$76$4
48 years$866$489$263$137$69$3
49 years$838$467$247$126$63$3
50 years$812$446$232$117$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $832,000, adding $5,818 every year, while hoping to spend $23,102 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: 32/39/29 Blend
34$832,000$832,000$832,000$832,000
35$922,865$878,769$865,873$944,099
36$992,417$897,249$870,300$979,392
37$1,068,289$915,859$874,100$1,014,948
38$1,151,101$934,583$877,229$1,052,798
39$1,241,536$953,400$879,639$1,093,160
40$1,340,346$972,290$881,280$1,136,277
41$1,448,358$991,229$882,100$1,182,413
42$1,566,483$1,010,191$882,042$1,231,865
43$1,695,724$1,029,151$881,050$1,284,957
44$1,837,186$1,048,077$879,063$1,342,049
45$1,992,084$1,066,938$876,017$1,403,536
46$2,161,758$1,085,700$871,846$1,469,859
47$2,347,684$1,104,325$866,479$1,541,499
48$2,551,484$1,122,774$859,843$1,618,993
49$2,774,949$1,141,003$851,861$1,702,931
50$3,020,049$1,158,967$842,453$1,793,963
51$3,288,953$1,176,616$831,535$1,892,811
52$3,584,053$1,193,897$819,018$2,000,269
53$3,907,982$1,210,752$804,810$2,117,215
54$4,263,639$1,227,122$788,814$2,244,617
55$4,654,220$1,242,941$770,929$2,383,546
56$5,083,244$1,258,139$751,049$2,535,182
57$5,554,589$1,272,642$729,063$2,700,830
58$6,072,527$1,286,371$704,856$2,881,928
59$6,641,762$1,299,241$678,306$3,080,065
60$7,267,479$1,311,161$649,287$3,296,994
61$7,955,389$1,322,035$617,665$3,534,650
62$8,711,784$1,331,761$583,303$3,795,169
63$9,543,598$1,340,229$546,056$4,080,907
64$10,458,469$1,347,323$505,772$4,394,466
65$11,464,810$1,352,920$462,293$4,738,714
66$12,571,895$1,356,888$415,454$5,116,818
67$13,789,940$1,359,087$365,083$5,532,273
68$15,130,200$1,359,368$311,000$5,988,932
69$16,605,078$1,357,574$253,016$6,491,049
70$18,228,239$1,353,538$190,934$7,043,315
71$20,014,739$1,347,082$124,551$7,650,906
72$21,981,170$1,338,016$53,651$8,319,530
73$24,145,812$1,326,142$0$9,055,487
74$26,528,809$1,311,247$0$9,872,533
75$29,152,355$1,293,105$0$10,789,679
76$32,040,907$1,271,479$0$11,798,832
77$35,221,414$1,246,117$0$12,909,392
78$38,723,572$1,216,750$0$14,131,721
79$42,580,102$1,183,096$0$15,477,241
80$46,827,059$1,144,854$0$16,958,543
81$51,504,175$1,101,708$0$18,589,507
82$56,655,231$1,053,322$0$20,385,436
83$62,328,470$999,340$0$22,363,194
84$68,577,053$939,387$0$24,541,374
85$75,459,560$873,065$0$26,940,471
86$83,040,544$799,954$0$29,583,076
87$91,391,138$719,610$0$32,494,090
88$100,589,727$631,564$0$35,700,963
89$110,722,688$535,319$0$39,233,950
90$121,885,205$430,352$0$43,126,402
91$134,182,165$316,109$0$47,415,080
92$147,729,153$192,005$0$52,140,501
93$162,653,535$57,422$0$57,347,329
94$179,095,670$0$0$63,084,790
95$197,210,223$0$0$69,445,034
96$217,167,635$0$0$76,479,692
97$239,155,725$0$0$84,230,349
98$263,381,465$0$0$92,769,990
99$290,072,934$0$0$102,179,041
100$319,481,470$0$0$112,546,131