Can I retire at age 35 with 779,000?

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 $779,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$64,329$63,756$63,197$62,651$62,119$60,058
2 years$31,846$31,253$30,678$30,121$29,580$27,524
3 years$21,020$20,424$19,851$19,299$18,767$16,780
4 years$15,608$15,014$14,446$13,904$13,385$11,482
5 years$12,361$11,771$11,211$10,679$10,175$8,362
6 years$10,198$9,612$9,060$8,540$8,051$6,329
7 years$8,653$8,072$7,529$7,021$6,548$4,916
8 years$7,495$6,919$6,385$5,890$5,432$3,890
9 years$6,595$6,025$5,500$5,017$4,574$3,120
10 years$5,875$5,310$4,795$4,325$3,898$2,528
11 years$5,286$4,727$4,221$3,764$3,352$2,065
12 years$4,796$4,243$3,746$3,301$2,905$1,698
13 years$4,382$3,835$3,347$2,915$2,533$1,403
14 years$4,027$3,485$3,007$2,587$2,221$1,164
15 years$3,720$3,184$2,715$2,307$1,955$969
16 years$3,451$2,921$2,462$2,066$1,728$809
17 years$3,215$2,690$2,240$1,856$1,532$676
18 years$3,004$2,486$2,045$1,673$1,362$567
19 years$2,816$2,304$1,872$1,512$1,214$476
20 years$2,648$2,141$1,718$1,369$1,085$400
21 years$2,495$1,994$1,580$1,243$971$336
22 years$2,356$1,862$1,456$1,130$870$283
23 years$2,230$1,741$1,345$1,029$781$239
24 years$2,115$1,631$1,244$938$702$201
25 years$2,008$1,531$1,152$857$632$170
26 years$1,911$1,439$1,068$784$569$143
27 years$1,820$1,354$992$717$513$121
28 years$1,736$1,276$922$657$463$102
29 years$1,658$1,204$858$603$418$86
30 years$1,586$1,137$799$553$378$73
31 years$1,518$1,075$745$508$341$62
32 years$1,455$1,017$695$467$309$52
33 years$1,395$963$649$429$279$44
34 years$1,339$913$607$395$253$37
35 years$1,287$866$567$364$229$31
36 years$1,237$822$531$335$208$27
37 years$1,191$780$497$309$188$23
38 years$1,146$742$465$284$171$19
39 years$1,105$705$436$262$155$16
40 years$1,065$671$408$242$140$14
41 years$1,027$639$383$223$127$12
42 years$992$608$359$206$116$10
43 years$958$580$337$190$105$8
44 years$926$552$316$176$95$7
45 years$895$527$297$162$86$6
46 years$865$503$279$150$78$5
47 years$837$480$262$138$71$4
48 years$811$458$246$128$65$4
49 years$785$437$232$118$59$3
50 years$761$418$218$109$53$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $779,000, adding $3,295 every year, while hoping to spend $39,302 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: 24/47/29 Blend
34$779,000$779,000$779,000$779,000
35$861,857$820,570$808,495$874,633
36$907,949$818,961$793,763$884,202
37$957,426$815,956$777,220$890,923
38$1,010,590$811,444$758,764$897,306
39$1,067,776$805,311$738,288$903,350
40$1,129,349$797,431$715,680$909,056
41$1,195,711$787,673$690,824$914,433
42$1,267,304$775,900$663,597$919,491
43$1,344,613$761,963$633,871$924,247
44$1,428,170$745,706$601,513$928,727
45$1,518,563$726,964$566,383$932,961
46$1,616,434$705,563$528,334$936,991
47$1,722,491$681,317$487,215$940,866
48$1,837,514$654,030$442,865$944,647
49$1,962,358$623,495$395,118$948,410
50$2,097,964$589,493$343,801$952,244
51$2,245,369$551,791$288,731$956,252
52$2,405,712$510,143$229,719$960,559
53$2,580,246$464,292$166,566$965,310
54$2,770,351$413,962$99,066$970,672
55$2,977,545$358,864$27,002$976,839
56$3,203,498$298,692$0$984,034
57$3,450,049$233,122$0$1,007,956
58$3,719,221$161,812$0$1,043,376
59$4,013,243$84,402$0$1,082,342
60$4,334,567$511$0$1,125,313
61$4,685,894$0$0$1,172,805
62$5,070,195$0$0$1,272,077
63$5,490,745$0$0$1,381,134
64$5,951,148$0$0$1,500,663
65$6,455,372$0$0$1,631,711
66$7,007,790$0$0$1,775,433
67$7,613,214$0$0$1,933,099
68$8,276,947$0$0$2,106,109
69$9,004,826$0$0$2,296,005
70$9,803,283$0$0$2,504,484
71$10,679,403$0$0$2,733,419
72$11,640,986$0$0$2,984,870
73$12,696,627$0$0$3,261,107
74$13,855,794$0$0$3,564,631
75$15,128,916$0$0$3,898,198
76$16,527,480$0$0$4,264,843
77$18,064,144$0$0$4,667,910
78$19,752,850$0$0$5,111,084
79$21,608,958$0$0$5,598,423
80$23,649,390$0$0$6,134,400
81$25,892,790$0$0$6,723,942
82$28,359,699$0$0$7,372,478
83$31,072,747$0$0$8,085,990
84$34,056,867$0$0$8,871,068
85$37,339,530$0$0$9,734,974
86$40,951,004$0$0$10,685,708
87$44,924,637$0$0$11,732,086
88$49,297,176$0$0$12,883,824
89$54,109,105$0$0$14,151,622
90$59,405,035$0$0$15,547,277
91$65,234,119$0$0$17,083,781
92$71,650,518$0$0$18,775,456
93$78,713,908$0$0$20,638,080
94$86,490,048$0$0$22,689,038
95$95,051,395$0$0$24,947,488
96$104,477,789$0$0$27,434,542
97$114,857,206$0$0$30,173,462
98$126,286,589$0$0$33,189,880
99$138,872,758$0$0$36,512,042
100$152,733,422$0$0$40,171,074