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%12.1%
1 years$64,329$63,756$63,197$62,651$62,119$61,572
2 years$31,846$31,253$30,678$30,121$29,580$29,030
3 years$21,020$20,424$19,851$19,299$18,767$18,229
4 years$15,608$15,014$14,446$13,904$13,385$12,864
5 years$12,361$11,771$11,211$10,679$10,175$9,673
6 years$10,198$9,612$9,060$8,540$8,051$7,568
7 years$8,653$8,072$7,529$7,021$6,548$6,084
8 years$7,495$6,919$6,385$5,890$5,432$4,988
9 years$6,595$6,025$5,500$5,017$4,574$4,150
10 years$5,875$5,310$4,795$4,325$3,898$3,492
11 years$5,286$4,727$4,221$3,764$3,352$2,965
12 years$4,796$4,243$3,746$3,301$2,905$2,536
13 years$4,382$3,835$3,347$2,915$2,533$2,182
14 years$4,027$3,485$3,007$2,587$2,221$1,887
15 years$3,720$3,184$2,715$2,307$1,955$1,638
16 years$3,451$2,921$2,462$2,066$1,728$1,428
17 years$3,215$2,690$2,240$1,856$1,532$1,248
18 years$3,004$2,486$2,045$1,673$1,362$1,093
19 years$2,816$2,304$1,872$1,512$1,214$960
20 years$2,648$2,141$1,718$1,369$1,085$845
21 years$2,495$1,994$1,580$1,243$971$744
22 years$2,356$1,862$1,456$1,130$870$657
23 years$2,230$1,741$1,345$1,029$781$581
24 years$2,115$1,631$1,244$938$702$514
25 years$2,008$1,531$1,152$857$632$455
26 years$1,911$1,439$1,068$784$569$403
27 years$1,820$1,354$992$717$513$357
28 years$1,736$1,276$922$657$463$317
29 years$1,658$1,204$858$603$418$282
30 years$1,586$1,137$799$553$378$250
31 years$1,518$1,075$745$508$341$222
32 years$1,455$1,017$695$467$309$198
33 years$1,395$963$649$429$279$176
34 years$1,339$913$607$395$253$157
35 years$1,287$866$567$364$229$139
36 years$1,237$822$531$335$208$124
37 years$1,191$780$497$309$188$110
38 years$1,146$742$465$284$171$98
39 years$1,105$705$436$262$155$88
40 years$1,065$671$408$242$140$78
41 years$1,027$639$383$223$127$70
42 years$992$608$359$206$116$62
43 years$958$580$337$190$105$55
44 years$926$552$316$176$95$49
45 years$895$527$297$162$86$44
46 years$865$503$279$150$78$39
47 years$837$480$262$138$71$35
48 years$811$458$246$128$65$31
49 years$785$437$232$118$59$28
50 years$761$418$218$109$53$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $779,000, adding $6,271 every year, while hoping to spend $59,191 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: 78/5/17 Blend
34$779,000$779,000$779,000$779,000
35$864,927$823,640$811,565$928,677
36$890,170$801,019$775,774$948,991
37$916,005$775,306$736,800$963,176
38$942,429$746,288$694,473$977,109
39$969,437$713,736$648,619$990,746
40$997,022$677,412$599,050$1,004,034
41$1,025,176$637,062$545,576$1,016,919
42$1,053,884$592,419$487,993$1,029,340
43$1,083,131$543,199$426,092$1,041,232
44$1,112,897$489,101$359,652$1,052,523
45$1,143,156$429,811$288,444$1,063,135
46$1,173,879$364,993$212,228$1,072,983
47$1,205,031$294,294$130,754$1,081,974
48$1,236,569$217,339$43,759$1,090,007
49$1,268,447$133,736$0$1,096,973
50$1,300,606$43,068$0$1,111,654
51$1,332,984$0$0$1,134,065
52$1,365,505$0$0$1,159,206
53$1,398,085$0$0$1,186,753
54$1,430,627$0$0$1,214,253
55$1,463,021$0$0$1,241,611
56$1,495,144$0$0$1,268,719
57$1,526,854$0$0$1,295,458
58$1,557,993$0$0$1,321,690
59$1,588,384$0$0$1,347,261
60$1,617,825$0$0$1,371,999
61$1,646,094$0$0$1,395,712
62$1,672,939$0$0$1,418,182
63$1,698,079$0$0$1,439,167
64$1,721,199$0$0$1,458,396
65$1,741,951$0$0$1,475,570
66$1,759,942$0$0$1,490,349
67$1,774,739$0$0$1,502,361
68$1,785,856$0$0$1,511,188
69$1,792,754$0$0$1,516,367
70$1,794,836$0$0$1,517,381
71$1,791,436$0$0$1,513,658
72$1,781,815$0$0$1,504,564
73$1,765,154$0$0$1,489,391
74$1,740,543$0$0$1,467,359
75$1,706,976$0$0$1,437,601
76$1,663,335$0$0$1,399,155
77$1,608,383$0$0$1,350,957
78$1,540,751$0$0$1,291,830
79$1,458,922$0$0$1,220,468
80$1,361,219$0$0$1,135,429
81$1,245,785$0$0$1,035,116
82$1,110,567$0$0$917,763
83$953,294$0$0$781,417
84$771,458$0$0$623,921
85$562,283$0$0$442,888
86$322,704$0$0$235,683
87$49,336$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0