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%19.4%
1 years$64,247$63,674$63,116$62,571$62,039$59,695
2 years$31,805$31,213$30,639$30,082$29,542$27,208
3 years$20,993$20,398$19,825$19,274$18,743$16,492
4 years$15,588$14,995$14,428$13,886$13,368$11,217
5 years$12,346$11,756$11,197$10,666$10,162$8,117
6 years$10,185$9,600$9,048$8,529$8,041$6,103
7 years$8,642$8,062$7,519$7,012$6,539$4,708
8 years$7,485$6,910$6,377$5,883$5,425$3,699
9 years$6,586$6,017$5,492$5,011$4,569$2,945
10 years$5,867$5,303$4,788$4,319$3,893$2,369
11 years$5,280$4,721$4,216$3,759$3,348$1,920
12 years$4,790$4,238$3,741$3,297$2,901$1,566
13 years$4,376$3,830$3,343$2,911$2,530$1,283
14 years$4,022$3,481$3,003$2,584$2,218$1,056
15 years$3,715$3,180$2,712$2,304$1,953$871
16 years$3,447$2,918$2,458$2,063$1,726$721
17 years$3,210$2,687$2,237$1,854$1,530$598
18 years$3,000$2,483$2,042$1,671$1,361$496
19 years$2,813$2,301$1,870$1,510$1,213$413
20 years$2,644$2,138$1,716$1,367$1,083$344
21 years$2,492$1,992$1,578$1,241$969$287
22 years$2,353$1,859$1,455$1,128$869$239
23 years$2,227$1,739$1,343$1,028$780$200
24 years$2,112$1,629$1,242$937$701$167
25 years$2,006$1,529$1,150$856$631$139
26 years$1,908$1,437$1,067$783$568$116
27 years$1,818$1,352$991$716$512$97
28 years$1,734$1,274$921$656$462$81
29 years$1,656$1,202$857$602$417$68
30 years$1,584$1,135$798$552$377$57
31 years$1,516$1,073$744$507$341$48
32 years$1,453$1,016$694$466$308$40
33 years$1,393$962$648$429$279$33
34 years$1,338$911$606$394$253$28
35 years$1,285$865$566$363$229$23
36 years$1,236$821$530$334$207$20
37 years$1,189$779$496$308$188$16
38 years$1,145$741$464$284$170$14
39 years$1,103$704$435$262$155$12
40 years$1,064$670$408$242$140$10
41 years$1,026$638$382$223$127$8
42 years$991$607$359$206$115$7
43 years$957$579$337$190$105$6
44 years$924$552$316$175$95$5
45 years$894$526$297$162$86$4
46 years$864$502$279$150$78$3
47 years$836$479$262$138$71$3
48 years$810$457$246$128$65$2
49 years$784$437$231$118$59$2
50 years$760$417$217$109$53$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $778,000, adding $5,247 every year, while hoping to spend $23,309 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: 73/5/22 Blend
34$778,000$778,000$778,000$778,000
35$862,768$821,534$809,475$920,746
36$925,970$836,989$811,792$975,473
37$994,837$852,420$813,405$1,032,116
38$1,069,923$867,800$814,267$1,093,590
39$1,151,836$883,104$814,326$1,160,372
40$1,241,247$898,300$813,530$1,232,988
41$1,338,894$913,356$811,822$1,312,017
42$1,445,588$928,237$809,145$1,398,097
43$1,562,224$942,907$805,438$1,491,932
44$1,689,787$957,325$800,635$1,594,297
45$1,829,359$971,448$794,671$1,706,046
46$1,982,135$985,230$787,474$1,828,122
47$2,149,429$998,623$778,970$1,961,562
48$2,332,688$1,011,573$769,083$2,107,510
49$2,533,506$1,024,024$757,731$2,267,228
50$2,753,639$1,035,916$744,830$2,442,105
51$2,995,019$1,047,184$730,291$2,633,672
52$3,259,775$1,057,761$714,020$2,843,618
53$3,550,254$1,067,573$695,922$3,073,805
54$3,869,038$1,076,542$675,893$3,326,282
55$4,218,973$1,084,586$653,828$3,603,310
56$4,603,193$1,091,615$629,616$3,907,382
57$5,025,150$1,097,536$603,140$4,241,243
58$5,488,649$1,102,249$574,279$4,607,920
59$5,997,879$1,105,647$542,905$5,010,751
60$6,557,456$1,107,617$508,886$5,453,411
61$7,172,466$1,108,039$472,083$5,939,954
62$7,848,510$1,106,786$432,350$6,474,848
63$8,591,761$1,103,722$389,537$7,063,016
64$9,409,019$1,098,702$343,485$7,709,886
65$10,307,775$1,091,575$294,028$8,421,437
66$11,296,285$1,082,178$240,994$9,204,264
67$12,383,641$1,070,341$184,203$10,065,632
68$13,579,865$1,055,879$123,466$11,013,550
69$14,895,995$1,038,602$58,586$12,056,844
70$16,344,197$1,018,304$0$13,205,243
71$17,937,873$994,769$0$14,471,970
72$19,691,791$967,767$0$15,881,180
73$21,622,223$937,057$0$17,432,182
74$23,747,098$902,380$0$19,139,388
75$26,086,171$863,466$0$21,018,674
76$28,661,211$820,027$0$23,087,538
77$31,496,204$771,757$0$25,365,258
78$34,617,580$718,337$0$27,873,080
79$38,054,462$659,424$0$30,634,413
80$41,838,942$594,661$0$33,675,055
81$46,006,381$523,666$0$37,023,431
82$50,595,744$446,039$0$40,710,868
83$55,649,970$361,354$0$44,771,883
84$61,216,370$269,163$0$49,244,513
85$67,347,081$168,994$0$54,170,676
86$74,099,554$60,345$0$59,596,561
87$81,537,095$0$0$65,573,067
88$89,729,467$0$0$72,159,440
89$98,753,542$0$0$79,418,180
90$108,694,030$0$0$87,414,115
91$119,644,278$0$0$96,222,336
92$131,707,150$0$0$105,925,593
93$144,995,998$0$0$116,615,072
94$159,635,733$0$0$128,391,258
95$175,764,000$0$0$141,364,881
96$193,532,481$0$0$155,657,961
97$213,108,324$0$0$171,404,962
98$234,675,723$0$0$188,754,059
99$258,437,653$0$0$207,868,536
100$284,617,787$0$0$228,928,328