Can I retire at age 35 with 778,000?

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 $778,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$64,247$63,674$63,116$62,571$62,039$60,588
2 years$31,805$31,213$30,639$30,082$29,542$28,089
3 years$20,993$20,398$19,825$19,274$18,743$17,332
4 years$15,588$14,995$14,428$13,886$13,368$12,011
5 years$12,346$11,756$11,197$10,666$10,162$8,863
6 years$10,185$9,600$9,048$8,529$8,041$6,800
7 years$8,642$8,062$7,519$7,012$6,539$5,358
8 years$7,485$6,910$6,377$5,883$5,425$4,302
9 years$6,586$6,017$5,492$5,011$4,569$3,503
10 years$5,867$5,303$4,788$4,319$3,893$2,884
11 years$5,280$4,721$4,216$3,759$3,348$2,394
12 years$4,790$4,238$3,741$3,297$2,901$2,001
13 years$4,376$3,830$3,343$2,911$2,530$1,681
14 years$4,022$3,481$3,003$2,584$2,218$1,419
15 years$3,715$3,180$2,712$2,304$1,953$1,202
16 years$3,447$2,918$2,458$2,063$1,726$1,022
17 years$3,210$2,687$2,237$1,854$1,530$870
18 years$3,000$2,483$2,042$1,671$1,361$743
19 years$2,813$2,301$1,870$1,510$1,213$635
20 years$2,644$2,138$1,716$1,367$1,083$544
21 years$2,492$1,992$1,578$1,241$969$467
22 years$2,353$1,859$1,455$1,128$869$401
23 years$2,227$1,739$1,343$1,028$780$344
24 years$2,112$1,629$1,242$937$701$296
25 years$2,006$1,529$1,150$856$631$255
26 years$1,908$1,437$1,067$783$568$220
27 years$1,818$1,352$991$716$512$189
28 years$1,734$1,274$921$656$462$163
29 years$1,656$1,202$857$602$417$141
30 years$1,584$1,135$798$552$377$121
31 years$1,516$1,073$744$507$341$105
32 years$1,453$1,016$694$466$308$90
33 years$1,393$962$648$429$279$78
34 years$1,338$911$606$394$253$67
35 years$1,285$865$566$363$229$58
36 years$1,236$821$530$334$207$50
37 years$1,189$779$496$308$188$43
38 years$1,145$741$464$284$170$37
39 years$1,103$704$435$262$155$32
40 years$1,064$670$408$242$140$28
41 years$1,026$638$382$223$127$24
42 years$991$607$359$206$115$21
43 years$957$579$337$190$105$18
44 years$924$552$316$175$95$16
45 years$894$526$297$162$86$13
46 years$864$502$279$150$78$12
47 years$836$479$262$138$71$10
48 years$810$457$246$128$65$9
49 years$784$437$231$118$59$8
50 years$760$417$217$109$53$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $778,000, adding $3,531 every year, while hoping to spend $30,709 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: 43/35/22 Blend
34$778,000$778,000$778,000$778,000
35$860,998$819,764$807,705$892,368
36$916,146$827,259$802,089$922,458
37$975,889$834,091$795,256$951,793
38$1,040,665$840,196$787,132$982,955
39$1,110,953$845,506$777,641$1,016,128
40$1,187,280$849,946$766,702$1,051,517
41$1,270,228$853,438$754,232$1,089,349
42$1,360,434$855,900$740,141$1,129,876
43$1,458,602$857,243$724,340$1,173,379
44$1,565,504$857,372$706,730$1,220,167
45$1,681,991$856,189$687,211$1,270,583
46$1,809,000$853,587$665,677$1,325,009
47$1,947,559$849,455$642,019$1,383,866
48$2,098,804$843,672$616,121$1,447,622
49$2,263,982$836,112$587,861$1,516,795
50$2,444,469$826,642$557,115$1,591,958
51$2,641,776$815,119$523,749$1,673,745
52$2,857,570$801,392$487,627$1,762,861
53$3,093,684$785,302$448,605$1,860,081
54$3,352,137$766,680$406,531$1,966,268
55$3,635,155$745,347$361,249$2,082,373
56$3,945,185$721,113$312,595$2,209,451
57$4,284,924$693,777$260,398$2,348,666
58$4,657,342$663,129$204,477$2,501,308
59$5,065,711$628,942$144,647$2,668,802
60$5,513,633$590,979$80,712$2,852,723
61$6,005,076$548,990$12,469$3,054,814
62$6,544,412$502,709$0$3,276,999
63$7,136,455$451,854$0$3,535,577
64$7,786,508$396,130$0$3,822,774
65$8,500,414$335,222$0$4,138,314
66$9,284,609$268,801$0$4,485,123
67$10,146,181$196,514$0$4,866,433
68$11,092,942$117,994$0$5,285,808
69$12,133,496$32,850$0$5,747,183
70$13,277,323$0$0$6,254,897
71$14,534,865$0$0$6,836,590
72$15,917,629$0$0$7,490,223
73$17,438,291$0$0$8,209,150
74$19,110,819$0$0$8,999,988
75$20,950,600$0$0$9,870,027
76$22,974,588$0$0$10,827,299
77$25,201,465$0$0$11,880,654
78$27,651,812$0$0$13,039,845
79$30,348,309$0$0$14,315,614
80$33,315,942$0$0$15,719,802
81$36,582,245$0$0$17,265,453
82$40,177,556$0$0$18,966,941
83$44,135,302$0$0$20,840,103
84$48,492,317$0$0$22,902,391
85$53,289,186$0$0$25,173,036
86$58,570,632$0$0$27,673,227
87$64,385,932$0$0$30,426,312
88$70,789,388$0$0$33,458,020
89$77,840,832$0$0$36,796,701
90$85,606,199$0$0$40,473,595
91$94,158,139$0$0$44,523,127
92$103,576,711$0$0$48,983,230
93$113,950,131$0$0$53,895,704
94$125,375,612$0$0$59,306,610
95$137,960,272$0$0$65,266,705
96$151,822,153$0$0$71,831,921
97$167,091,328$0$0$79,063,890
98$183,911,134$0$0$87,030,532
99$202,439,519$0$0$95,806,689
100$222,850,537$0$0$105,474,833