Can I retire at age 35 with 833,000?

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 $833,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$68,788$68,176$67,578$66,994$66,425$65,083
2 years$34,054$33,419$32,805$32,209$31,631$30,285
3 years$22,477$21,840$21,227$20,637$20,068$18,760
4 years$16,690$16,055$15,448$14,867$14,313$13,053
5 years$13,218$12,587$11,988$11,420$10,880$9,672
6 years$10,905$10,278$9,688$9,132$8,609$7,454
7 years$9,253$8,632$8,051$7,508$7,002$5,899
8 years$8,015$7,399$6,828$6,298$5,808$4,759
9 years$7,052$6,442$5,881$5,365$4,892$3,894
10 years$6,282$5,678$5,127$4,625$4,168$3,221
11 years$5,653$5,055$4,514$4,025$3,584$2,688
12 years$5,129$4,537$4,006$3,530$3,106$2,258
13 years$4,686$4,100$3,579$3,117$2,709$1,908
14 years$4,306$3,727$3,216$2,767$2,374$1,619
15 years$3,978$3,405$2,903$2,467$2,091$1,379
16 years$3,691$3,124$2,632$2,209$1,848$1,179
17 years$3,437$2,877$2,395$1,985$1,638$1,010
18 years$3,213$2,658$2,187$1,789$1,457$867
19 years$3,012$2,464$2,002$1,616$1,298$746
20 years$2,831$2,289$1,837$1,464$1,160$643
21 years$2,668$2,133$1,690$1,329$1,038$555
22 years$2,520$1,991$1,557$1,208$930$479
23 years$2,385$1,862$1,438$1,100$835$414
24 years$2,261$1,744$1,330$1,003$751$359
25 years$2,148$1,637$1,232$916$675$311
26 years$2,043$1,539$1,142$838$608$269
27 years$1,946$1,448$1,061$767$549$234
28 years$1,857$1,364$986$703$495$203
29 years$1,773$1,287$918$644$447$176
30 years$1,696$1,216$855$591$404$153
31 years$1,623$1,149$797$543$365$133
32 years$1,555$1,087$744$499$330$115
33 years$1,492$1,030$694$459$299$100
34 years$1,432$976$649$422$271$87
35 years$1,376$926$606$389$245$76
36 years$1,323$879$567$358$222$66
37 years$1,273$834$531$330$201$57
38 years$1,226$793$497$304$182$50
39 years$1,181$754$466$280$165$43
40 years$1,139$717$437$259$150$38
41 years$1,099$683$409$239$136$33
42 years$1,061$650$384$220$124$28
43 years$1,024$620$360$203$112$25
44 years$990$591$338$188$102$22
45 years$957$563$318$173$92$19
46 years$925$537$298$160$84$16
47 years$895$513$280$148$76$14
48 years$867$490$263$137$69$12
49 years$839$467$248$126$63$11
50 years$813$447$233$117$57$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $833,000, adding $6,410 every year, while hoping to spend $55,329 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: 68/15/17 Blend
34$833,000$833,000$833,000$833,000
35$924,578$880,429$867,517$983,251
36$960,015$864,700$837,710$1,007,490
37$997,213$846,347$805,049$1,026,891
38$1,036,292$825,181$769,381$1,046,736
39$1,077,384$801,005$730,546$1,067,064
40$1,120,632$773,609$688,374$1,087,920
41$1,166,192$742,771$642,690$1,109,355
42$1,214,233$708,257$593,310$1,131,427
43$1,264,941$669,818$540,042$1,154,203
44$1,318,518$627,192$482,686$1,177,756
45$1,375,183$580,100$421,032$1,202,172
46$1,435,176$528,249$354,861$1,227,546
47$1,498,759$471,329$283,945$1,253,985
48$1,566,220$409,012$208,044$1,281,611
49$1,637,871$340,950$126,911$1,310,562
50$1,714,056$266,778$40,284$1,340,989
51$1,795,149$186,110$0$1,373,066
52$1,881,560$98,535$0$1,416,450
53$1,973,739$3,624$0$1,470,307
54$2,072,179$0$0$1,527,620
55$2,177,419$0$0$1,605,072
56$2,290,051$0$0$1,688,636
57$2,410,722$0$0$1,778,198
58$2,540,146$0$0$1,874,292
59$2,679,102$0$0$1,977,500
60$2,828,447$0$0$2,088,465
61$2,989,122$0$0$2,207,890
62$3,162,159$0$0$2,336,548
63$3,348,692$0$0$2,475,287
64$3,549,968$0$0$2,625,041
65$3,767,355$0$0$2,786,835
66$4,002,356$0$0$2,961,793
67$4,256,626$0$0$3,151,154
68$4,531,981$0$0$3,356,279
69$4,830,420$0$0$3,578,663
70$5,154,139$0$0$3,819,951
71$5,505,554$0$0$4,081,954
72$5,887,323$0$0$4,366,660
73$6,302,369$0$0$4,676,259
74$6,753,908$0$0$5,013,160
75$7,245,477$0$0$5,380,012
76$7,780,971$0$0$5,779,732
77$8,364,673$0$0$6,215,528
78$9,001,299$0$0$6,690,932
79$9,696,039$0$0$7,209,833
80$10,454,606$0$0$7,776,509
81$11,283,288$0$0$8,395,671
82$12,189,009$0$0$9,072,505
83$13,179,390$0$0$9,812,721
84$14,262,823$0$0$10,622,606
85$15,448,550$0$0$11,509,083
86$16,746,745$0$0$12,479,774
87$18,168,612$0$0$13,543,073
88$19,726,492$0$0$14,708,225
89$21,433,972$0$0$15,985,411
90$23,306,020$0$0$17,385,844
91$25,359,119$0$0$18,921,874
92$27,611,425$0$0$20,607,102
93$30,082,935$0$0$22,456,513
94$32,795,675$0$0$24,486,610
95$35,773,910$0$0$26,715,572
96$39,044,367$0$0$29,163,424
97$42,636,488$0$0$31,852,228
98$46,582,708$0$0$34,806,285
99$50,918,757$0$0$38,052,367
100$55,683,999$0$0$41,619,969