Can I retire at age 35 with 835,000?

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 $835,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$68,954$68,339$67,740$67,155$66,584$65,752
2 years$34,135$33,500$32,884$32,286$31,707$30,870
3 years$22,531$21,892$21,278$20,686$20,116$19,300
4 years$16,730$16,093$15,485$14,903$14,347$13,558
5 years$13,250$12,617$12,017$11,447$10,906$10,146
6 years$10,931$10,303$9,711$9,154$8,630$7,900
7 years$9,275$8,652$8,070$7,526$7,018$6,319
8 years$8,034$7,417$6,844$6,314$5,822$5,154
9 years$7,069$6,458$5,895$5,378$4,903$4,265
10 years$6,297$5,692$5,139$4,636$4,178$3,570
11 years$5,666$5,067$4,525$4,034$3,593$3,014
12 years$5,141$4,548$4,015$3,539$3,114$2,563
13 years$4,697$4,110$3,588$3,124$2,715$2,193
14 years$4,317$3,736$3,223$2,773$2,380$1,885
15 years$3,987$3,413$2,910$2,473$2,096$1,627
16 years$3,699$3,131$2,639$2,215$1,852$1,409
17 years$3,446$2,884$2,401$1,990$1,642$1,224
18 years$3,220$2,665$2,192$1,793$1,460$1,065
19 years$3,019$2,470$2,007$1,620$1,302$929
20 years$2,838$2,295$1,841$1,467$1,163$812
21 years$2,674$2,138$1,694$1,332$1,040$711
22 years$2,526$1,995$1,561$1,211$933$623
23 years$2,390$1,866$1,441$1,103$837$547
24 years$2,267$1,749$1,333$1,006$752$481
25 years$2,153$1,641$1,235$919$677$423
26 years$2,048$1,542$1,145$840$610$372
27 years$1,951$1,451$1,063$769$550$327
28 years$1,861$1,368$989$704$496$288
29 years$1,778$1,290$920$646$448$254
30 years$1,700$1,218$857$593$405$224
31 years$1,627$1,152$799$544$366$198
32 years$1,559$1,090$745$500$331$175
33 years$1,495$1,032$696$460$300$154
34 years$1,436$978$650$423$271$136
35 years$1,379$928$608$390$246$120
36 years$1,326$881$569$359$223$106
37 years$1,276$836$532$331$202$94
38 years$1,229$795$498$305$183$83
39 years$1,184$756$467$281$166$73
40 years$1,142$719$438$259$150$65
41 years$1,101$685$410$239$136$57
42 years$1,063$652$385$221$124$51
43 years$1,027$621$361$204$112$45
44 years$992$592$339$188$102$40
45 years$959$565$318$174$93$35
46 years$928$539$299$160$84$31
47 years$898$514$281$148$76$27
48 years$869$491$264$137$69$24
49 years$842$469$248$127$63$21
50 years$815$448$233$117$57$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $835,000, adding $3,308 every year, while hoping to spend $56,732 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: 40/45/15 Blend
34$835,000$835,000$835,000$835,000
35$923,582$879,327$866,385$956,281
36$957,425$862,052$835,046$962,515
37$992,819$842,029$800,756$963,477
38$1,029,861$819,063$763,357$963,300
39$1,068,659$792,949$722,681$961,906
40$1,109,327$763,468$678,556$959,218
41$1,151,991$730,390$630,800$955,152
42$1,196,786$693,472$579,223$949,626
43$1,243,860$652,453$523,629$942,550
44$1,293,373$607,063$463,810$933,836
45$1,345,499$557,011$399,550$923,390
46$1,400,429$501,994$330,624$911,117
47$1,458,368$441,688$256,796$896,920
48$1,519,543$375,752$177,820$880,699
49$1,584,200$303,826$93,440$862,354
50$1,652,605$225,531$3,387$841,780
51$1,725,053$140,464$0$818,875
52$1,801,863$48,201$0$808,374
53$1,883,384$0$0$796,875
54$1,969,998$0$0$809,385
55$2,062,125$0$0$848,136
56$2,160,221$0$0$889,460
57$2,264,787$0$0$933,576
58$2,376,372$0$0$980,723
59$2,495,576$0$0$1,031,165
60$2,623,059$0$0$1,085,189
61$2,759,543$0$0$1,143,113
62$2,905,820$0$0$1,205,283
63$3,062,758$0$0$1,272,080
64$3,231,311$0$0$1,343,922
65$3,412,525$0$0$1,421,267
66$3,607,549$0$0$1,504,620
67$3,817,644$0$0$1,594,534
68$4,044,196$0$0$1,691,617
69$4,288,726$0$0$1,796,537
70$4,552,907$0$0$1,910,030
71$4,838,577$0$0$2,032,901
72$5,147,755$0$0$2,166,038
73$5,482,662$0$0$2,310,418
74$5,845,740$0$0$2,467,113
75$6,239,672$0$0$2,637,303
76$6,667,412$0$0$2,822,287
77$7,132,208$0$0$3,023,492
78$7,637,631$0$0$3,242,491
79$8,187,612$0$0$3,481,011
80$8,786,477$0$0$3,740,955
81$9,438,982$0$0$4,024,418
82$10,150,367$0$0$4,333,703
83$10,926,393$0$0$4,671,348
84$11,773,406$0$0$5,040,143
85$12,698,389$0$0$5,443,164
86$13,709,029$0$0$5,883,794
87$14,813,790$0$0$6,365,760
88$16,021,989$0$0$6,893,163
89$17,343,886$0$0$7,470,521
90$18,790,778$0$0$8,102,809
91$20,375,103$0$0$8,795,505
92$22,110,562$0$0$9,554,641
93$24,012,238$0$0$10,386,861
94$26,096,748$0$0$11,299,485
95$28,382,388$0$0$12,300,570
96$30,889,312$0$0$13,398,995
97$33,639,718$0$0$14,604,538
98$36,658,056$0$0$15,927,970
99$39,971,258$0$0$17,381,156
100$43,608,989$0$0$18,977,166