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%13.6%
1 years$64,329$63,756$63,197$62,651$62,119$61,190
2 years$31,846$31,253$30,678$30,121$29,580$28,647
3 years$21,020$20,424$19,851$19,299$18,767$17,858
4 years$15,608$15,014$14,446$13,904$13,385$12,507
5 years$12,361$11,771$11,211$10,679$10,175$9,331
6 years$10,198$9,612$9,060$8,540$8,051$7,242
7 years$8,653$8,072$7,529$7,021$6,548$5,773
8 years$7,495$6,919$6,385$5,890$5,432$4,692
9 years$6,595$6,025$5,500$5,017$4,574$3,869
10 years$5,875$5,310$4,795$4,325$3,898$3,227
11 years$5,286$4,727$4,221$3,764$3,352$2,714
12 years$4,796$4,243$3,746$3,301$2,905$2,300
13 years$4,382$3,835$3,347$2,915$2,533$1,959
14 years$4,027$3,485$3,007$2,587$2,221$1,678
15 years$3,720$3,184$2,715$2,307$1,955$1,442
16 years$3,451$2,921$2,462$2,066$1,728$1,244
17 years$3,215$2,690$2,240$1,856$1,532$1,075
18 years$3,004$2,486$2,045$1,673$1,362$932
19 years$2,816$2,304$1,872$1,512$1,214$810
20 years$2,648$2,141$1,718$1,369$1,085$705
21 years$2,495$1,994$1,580$1,243$971$614
22 years$2,356$1,862$1,456$1,130$870$536
23 years$2,230$1,741$1,345$1,029$781$468
24 years$2,115$1,631$1,244$938$702$409
25 years$2,008$1,531$1,152$857$632$358
26 years$1,911$1,439$1,068$784$569$314
27 years$1,820$1,354$992$717$513$275
28 years$1,736$1,276$922$657$463$241
29 years$1,658$1,204$858$603$418$211
30 years$1,586$1,137$799$553$378$186
31 years$1,518$1,075$745$508$341$163
32 years$1,455$1,017$695$467$309$143
33 years$1,395$963$649$429$279$126
34 years$1,339$913$607$395$253$110
35 years$1,287$866$567$364$229$97
36 years$1,237$822$531$335$208$85
37 years$1,191$780$497$309$188$75
38 years$1,146$742$465$284$171$66
39 years$1,105$705$436$262$155$58
40 years$1,065$671$408$242$140$51
41 years$1,027$639$383$223$127$45
42 years$992$608$359$206$116$39
43 years$958$580$337$190$105$35
44 years$926$552$316$176$95$31
45 years$895$527$297$162$86$27
46 years$865$503$279$150$78$24
47 years$837$480$262$138$71$21
48 years$811$458$246$128$65$18
49 years$785$437$232$118$59$16
50 years$761$418$218$109$53$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $779,000, adding $2,467 every year, while hoping to spend $41,645 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: 45/25/30 Blend
34$779,000$779,000$779,000$779,000
35$861,003$819,716$807,641$892,177
36$904,515$815,572$790,387$910,514
37$951,070$809,829$771,159$926,228
38$1,000,934$802,365$749,848$942,489
39$1,054,398$793,051$726,337$959,371
40$1,111,784$781,748$700,507$976,961
41$1,173,444$768,311$672,232$995,355
42$1,239,763$752,586$641,379$1,014,664
43$1,311,165$734,409$607,812$1,035,012
44$1,388,116$713,607$571,385$1,056,541
45$1,471,127$689,997$531,950$1,079,410
46$1,560,760$663,385$489,349$1,103,797
47$1,657,633$633,566$443,417$1,129,905
48$1,762,423$600,322$393,983$1,157,959
49$1,875,877$563,425$340,868$1,188,214
50$1,998,814$522,630$283,885$1,220,955
51$2,132,136$477,682$222,838$1,256,501
52$2,276,834$428,309$157,524$1,295,210
53$2,433,999$374,224$87,729$1,337,481
54$2,604,831$315,124$13,231$1,383,760
55$2,790,647$250,689$0$1,434,547
56$2,992,901$180,581$0$1,511,610
57$3,213,189$104,442$0$1,600,256
58$3,453,270$21,895$0$1,697,017
59$3,715,078$0$0$1,802,747
60$4,000,741$0$0$1,936,948
61$4,312,604$0$0$2,090,120
62$4,653,246$0$0$2,257,516
63$5,025,508$0$0$2,440,545
64$5,432,515$0$0$2,640,754
65$5,877,712$0$0$2,859,850
66$6,364,887$0$0$3,099,711
67$6,898,215$0$0$3,362,404
68$7,482,292$0$0$3,650,208
69$8,122,179$0$0$3,965,630
70$8,823,451$0$0$4,311,432
71$9,592,246$0$0$4,690,658
72$10,435,325$0$0$5,106,658
73$11,360,135$0$0$5,563,122
74$12,374,879$0$0$6,064,117
75$13,488,591$0$0$6,614,121
76$14,711,223$0$0$7,218,065
77$16,053,738$0$0$7,881,386
78$17,528,211$0$0$8,610,067
79$19,147,946$0$0$9,410,705
80$20,927,597$0$0$10,290,565
81$22,883,309$0$0$11,257,648
82$25,032,869$0$0$12,320,774
83$27,395,870$0$0$13,489,656
84$29,993,902$0$0$14,774,997
85$32,850,748$0$0$16,188,589
86$35,992,612$0$0$17,743,424
87$39,448,366$0$0$19,453,815
88$43,249,819$0$0$21,335,534
89$47,432,018$0$0$23,405,957
90$52,033,579$0$0$25,684,230
91$57,097,050$0$0$28,191,449
92$62,669,309$0$0$30,950,859
93$68,802,013$0$0$33,988,071
94$75,552,076$0$0$37,331,306
95$82,982,212$0$0$41,011,659
96$91,161,522$0$0$45,063,393
97$100,166,148$0$0$49,524,263
98$110,079,990$0$0$54,435,871
99$120,995,495$0$0$59,844,058
100$133,014,534$0$0$65,799,334