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%12.2%
1 years$64,329$63,756$63,197$62,651$62,119$61,547
2 years$31,846$31,253$30,678$30,121$29,580$29,004
3 years$21,020$20,424$19,851$19,299$18,767$18,204
4 years$15,608$15,014$14,446$13,904$13,385$12,840
5 years$12,361$11,771$11,211$10,679$10,175$9,650
6 years$10,198$9,612$9,060$8,540$8,051$7,546
7 years$8,653$8,072$7,529$7,021$6,548$6,063
8 years$7,495$6,919$6,385$5,890$5,432$4,968
9 years$6,595$6,025$5,500$5,017$4,574$4,130
10 years$5,875$5,310$4,795$4,325$3,898$3,473
11 years$5,286$4,727$4,221$3,764$3,352$2,947
12 years$4,796$4,243$3,746$3,301$2,905$2,519
13 years$4,382$3,835$3,347$2,915$2,533$2,166
14 years$4,027$3,485$3,007$2,587$2,221$1,872
15 years$3,720$3,184$2,715$2,307$1,955$1,625
16 years$3,451$2,921$2,462$2,066$1,728$1,415
17 years$3,215$2,690$2,240$1,856$1,532$1,235
18 years$3,004$2,486$2,045$1,673$1,362$1,082
19 years$2,816$2,304$1,872$1,512$1,214$949
20 years$2,648$2,141$1,718$1,369$1,085$835
21 years$2,495$1,994$1,580$1,243$971$735
22 years$2,356$1,862$1,456$1,130$870$648
23 years$2,230$1,741$1,345$1,029$781$572
24 years$2,115$1,631$1,244$938$702$506
25 years$2,008$1,531$1,152$857$632$448
26 years$1,911$1,439$1,068$784$569$396
27 years$1,820$1,354$992$717$513$351
28 years$1,736$1,276$922$657$463$311
29 years$1,658$1,204$858$603$418$276
30 years$1,586$1,137$799$553$378$245
31 years$1,518$1,075$745$508$341$218
32 years$1,455$1,017$695$467$309$194
33 years$1,395$963$649$429$279$172
34 years$1,339$913$607$395$253$153
35 years$1,287$866$567$364$229$136
36 years$1,237$822$531$335$208$121
37 years$1,191$780$497$309$188$108
38 years$1,146$742$465$284$171$96
39 years$1,105$705$436$262$155$85
40 years$1,065$671$408$242$140$76
41 years$1,027$639$383$223$127$68
42 years$992$608$359$206$116$60
43 years$958$580$337$190$105$54
44 years$926$552$316$176$95$48
45 years$895$527$297$162$86$42
46 years$865$503$279$150$78$38
47 years$837$480$262$138$71$34
48 years$811$458$246$128$65$30
49 years$785$437$232$118$59$27
50 years$761$418$218$109$53$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $779,000, adding $2,816 every year, while hoping to spend $22,028 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: 50/26/24 Blend
34$779,000$779,000$779,000$779,000
35$861,363$820,076$808,001$898,486
36$925,784$836,822$811,632$941,341
37$996,038$853,650$814,645$985,442
38$1,072,697$870,542$816,999$1,032,926
39$1,156,389$887,475$818,645$1,084,123
40$1,247,807$904,428$819,536$1,139,398
41$1,347,714$921,376$819,622$1,199,150
42$1,456,950$938,292$818,848$1,263,823
43$1,576,438$955,148$817,159$1,333,903
44$1,707,197$971,913$814,496$1,409,929
45$1,850,348$988,553$810,798$1,492,494
46$2,007,123$1,005,032$805,999$1,582,251
47$2,178,883$1,021,312$800,034$1,679,924
48$2,367,124$1,037,351$792,830$1,786,307
49$2,573,494$1,053,105$784,313$1,902,278
50$2,799,810$1,068,526$774,407$2,028,806
51$3,048,069$1,083,562$763,028$2,166,957
52$3,320,476$1,098,160$750,093$2,317,911
53$3,619,455$1,112,261$735,512$2,482,965
54$3,947,680$1,125,802$719,192$2,663,551
55$4,308,093$1,138,716$701,035$2,861,250
56$4,703,937$1,150,932$680,938$3,077,803
57$5,138,785$1,162,374$658,796$3,315,131
58$5,616,571$1,172,960$634,495$3,575,352
59$6,141,631$1,182,605$607,920$3,860,804
60$6,718,740$1,191,215$578,949$4,174,061
61$7,353,160$1,198,693$547,452$4,517,966
62$8,050,688$1,204,935$513,297$4,895,649
63$8,817,710$1,209,828$476,344$5,310,566
64$9,661,262$1,213,256$436,448$5,766,525
65$10,589,098$1,215,093$393,456$6,267,726
66$11,609,758$1,215,204$347,209$6,818,799
67$12,732,654$1,213,449$297,541$7,424,850
68$13,968,153$1,209,678$244,277$8,091,509
69$15,327,682$1,203,729$187,238$8,824,982
70$16,823,829$1,195,435$126,233$9,632,113
71$18,470,463$1,184,615$61,066$10,520,445
72$20,282,868$1,171,079$0$11,498,297
73$22,277,883$1,154,624$0$12,577,011
74$24,474,064$1,135,038$0$13,781,355
75$26,891,857$1,112,092$0$15,106,878
76$29,553,789$1,085,548$0$16,565,927
77$32,484,686$1,055,150$0$18,172,110
78$35,711,902$1,020,630$0$19,940,427
79$39,265,577$981,702$0$21,887,406
80$43,178,926$938,065$0$24,031,266
81$47,488,546$889,401$0$26,392,084
82$52,234,767$835,370$0$28,991,990
83$57,462,027$775,618$0$31,855,372
84$63,219,297$709,766$0$35,009,108
85$69,560,536$637,416$0$38,482,822
86$76,545,208$558,146$0$42,309,161
87$84,238,835$471,511$0$46,524,107
88$92,713,621$377,040$0$51,167,316
89$102,049,133$274,237$0$56,282,491
90$112,333,046$162,576$0$61,917,799
91$123,661,977$41,503$0$68,126,325
92$136,142,395$0$0$74,966,570
93$149,891,623$0$0$82,528,638
94$165,038,947$0$0$90,872,872
95$181,726,837$0$0$100,065,896
96$200,112,290$0$0$110,194,215
97$220,368,313$0$0$121,353,152
98$242,685,554$0$0$133,647,754
99$267,274,104$0$0$147,193,777
100$294,365,476$0$0$162,118,784