Can I retire at age 35 with 837,000?

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 $837,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$69,119$68,503$67,902$67,316$66,744$65,992
2 years$34,217$33,580$32,962$32,363$31,783$31,026
3 years$22,585$21,945$21,329$20,736$20,164$19,426
4 years$16,770$16,132$15,522$14,939$14,381$13,667
5 years$13,282$12,648$12,046$11,474$10,932$10,244
6 years$10,957$10,328$9,735$9,176$8,650$7,989
7 years$9,297$8,673$8,090$7,544$7,035$6,401
8 years$8,053$7,434$6,861$6,329$5,836$5,230
9 years$7,086$6,473$5,909$5,391$4,915$4,336
10 years$6,312$5,706$5,152$4,647$4,188$3,635
11 years$5,680$5,079$4,535$4,044$3,602$3,075
12 years$5,153$4,559$4,025$3,547$3,121$2,620
13 years$4,708$4,120$3,596$3,132$2,722$2,246
14 years$4,327$3,745$3,231$2,780$2,386$1,934
15 years$3,997$3,421$2,917$2,479$2,101$1,673
16 years$3,708$3,139$2,645$2,220$1,857$1,452
17 years$3,454$2,891$2,407$1,995$1,646$1,263
18 years$3,228$2,671$2,197$1,797$1,464$1,102
19 years$3,026$2,476$2,011$1,624$1,305$964
20 years$2,845$2,300$1,846$1,471$1,165$844
21 years$2,681$2,143$1,698$1,335$1,043$741
22 years$2,532$2,000$1,565$1,214$935$651
23 years$2,396$1,871$1,445$1,105$839$572
24 years$2,272$1,753$1,336$1,008$754$504
25 years$2,158$1,645$1,238$921$679$444
26 years$2,053$1,546$1,148$842$611$392
27 years$1,956$1,455$1,066$771$551$346
28 years$1,865$1,371$991$706$497$305
29 years$1,782$1,293$922$647$449$270
30 years$1,704$1,221$859$594$406$239
31 years$1,631$1,155$801$546$367$211
32 years$1,563$1,093$747$502$332$187
33 years$1,499$1,035$698$461$300$165
34 years$1,439$981$652$424$272$146
35 years$1,383$930$609$391$246$130
36 years$1,329$883$570$360$223$115
37 years$1,279$838$534$331$202$102
38 years$1,232$797$500$306$183$90
39 years$1,187$758$468$282$166$80
40 years$1,144$721$439$260$151$71
41 years$1,104$686$411$240$137$63
42 years$1,066$654$386$221$124$56
43 years$1,029$623$362$204$113$49
44 years$994$594$340$189$102$44
45 years$961$566$319$174$93$39
46 years$930$540$300$161$84$34
47 years$900$515$282$149$77$31
48 years$871$492$265$137$70$27
49 years$844$470$249$127$63$24
50 years$817$449$234$117$57$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $837,000, adding $3,990 every year, while hoping to spend $38,688 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: 67/7/26 Blend
34$837,000$837,000$837,000$837,000
35$926,490$882,129$869,155$982,059
36$979,828$884,189$857,108$1,021,999
37$1,037,310$885,054$843,361$1,060,914
38$1,099,318$884,624$827,816$1,102,595
39$1,166,271$882,793$810,370$1,147,318
40$1,238,630$879,449$790,917$1,195,385
41$1,316,901$874,474$769,344$1,247,132
42$1,401,642$867,740$745,534$1,302,930
43$1,493,465$859,115$719,365$1,363,187
44$1,593,043$848,456$690,708$1,428,356
45$1,701,116$835,613$659,429$1,498,936
46$1,818,499$820,426$625,389$1,575,480
47$1,946,086$802,728$588,440$1,658,597
48$2,084,863$782,338$548,429$1,748,960
49$2,235,914$759,067$505,196$1,847,312
50$2,400,432$732,716$458,575$1,954,476
51$2,579,729$703,072$408,390$2,071,357
52$2,775,250$669,911$354,459$2,198,958
53$2,988,583$632,995$296,592$2,338,382
54$3,221,481$592,073$234,590$2,490,850
55$3,475,867$546,881$168,244$2,657,710
56$3,753,864$497,136$97,338$2,840,448
57$4,057,805$442,542$21,646$3,040,706
58$4,390,261$382,787$0$3,260,295
59$4,754,062$317,538$0$3,517,619
60$5,152,325$246,446$0$3,805,954
61$5,588,481$169,141$0$4,121,795
62$6,066,309$85,232$0$4,467,903
63$6,589,972$0$0$4,847,321
64$7,164,053$0$0$5,263,839
65$7,793,600$0$0$5,727,850
66$8,484,173$0$0$6,236,894
67$9,241,897$0$0$6,795,492
68$10,073,518$0$0$7,408,623
69$10,986,465$0$0$8,081,773
70$11,988,925$0$0$8,820,985
71$13,089,914$0$0$9,632,916
72$14,299,365$0$0$10,524,897
73$15,628,219$0$0$11,505,007
74$17,088,531$0$0$12,582,145
75$18,693,582$0$0$13,766,115
76$20,458,001$0$0$15,067,720
77$22,397,908$0$0$16,498,857
78$24,531,061$0$0$18,072,639
79$26,877,025$0$0$19,803,511
80$29,457,358$0$0$21,707,386
81$32,295,808$0$0$23,801,799
82$35,418,546$0$0$26,106,072
83$38,854,402$0$0$28,641,489
84$42,635,146$0$0$31,431,505
85$46,795,780$0$0$34,501,964
86$51,374,871$0$0$37,881,340
87$56,414,917$0$0$41,601,007
88$61,962,740$0$0$45,695,538
89$68,069,938$0$0$50,203,024
90$74,793,360$0$0$55,165,439
91$82,195,650$0$0$60,629,035
92$90,345,834$0$0$66,644,775
93$99,319,974$0$0$73,268,814
94$109,201,880$0$0$80,563,033
95$120,083,906$0$0$88,595,618
96$132,067,816$0$0$97,441,704
97$145,265,749$0$0$107,184,084
98$159,801,272$0$0$117,913,992
99$175,810,548$0$0$129,731,960
100$193,443,622$0$0$142,748,770