Can I retire at age 35 with 780,000?

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 $780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$64,412$63,838$63,278$62,732$62,198$60,207
2 years$31,887$31,293$30,718$30,160$29,618$27,631
3 years$21,047$20,450$19,876$19,323$18,791$16,869
4 years$15,628$15,033$14,465$13,921$13,402$11,561
5 years$12,377$11,786$11,225$10,693$10,188$8,432
6 years$10,211$9,624$9,072$8,551$8,061$6,393
7 years$8,664$8,082$7,539$7,031$6,556$4,974
8 years$7,505$6,928$6,393$5,898$5,439$3,943
9 years$6,603$6,032$5,507$5,024$4,580$3,168
10 years$5,882$5,317$4,801$4,330$3,903$2,572
11 years$5,293$4,734$4,227$3,769$3,356$2,105
12 years$4,803$4,249$3,751$3,306$2,909$1,734
13 years$4,388$3,839$3,351$2,918$2,536$1,436
14 years$4,032$3,490$3,011$2,591$2,223$1,194
15 years$3,725$3,188$2,719$2,310$1,958$996
16 years$3,456$2,925$2,465$2,069$1,730$833
17 years$3,219$2,694$2,243$1,859$1,534$698
18 years$3,008$2,489$2,047$1,675$1,364$586
19 years$2,820$2,307$1,874$1,514$1,216$493
20 years$2,651$2,144$1,720$1,371$1,086$416
21 years$2,498$1,997$1,582$1,244$972$350
22 years$2,359$1,864$1,458$1,131$871$296
23 years$2,233$1,743$1,346$1,030$782$250
24 years$2,117$1,633$1,245$940$703$211
25 years$2,011$1,533$1,153$858$632$179
26 years$1,913$1,441$1,070$785$570$151
27 years$1,822$1,356$993$718$514$128
28 years$1,738$1,278$923$658$463$108
29 years$1,660$1,205$859$603$418$92
30 years$1,588$1,138$800$554$378$78
31 years$1,520$1,076$746$509$342$66
32 years$1,456$1,018$696$467$309$56
33 years$1,397$964$650$430$280$47
34 years$1,341$914$607$395$253$40
35 years$1,288$867$568$364$229$34
36 years$1,239$823$531$335$208$29
37 years$1,192$781$497$309$188$24
38 years$1,148$743$466$285$171$21
39 years$1,106$706$436$263$155$18
40 years$1,066$672$409$242$141$15
41 years$1,029$639$383$223$127$13
42 years$993$609$360$206$116$11
43 years$959$580$337$190$105$9
44 years$927$553$317$176$95$8
45 years$896$527$297$162$87$7
46 years$867$503$279$150$79$6
47 years$839$480$262$139$71$5
48 years$812$458$247$128$65$4
49 years$786$438$232$118$59$3
50 years$762$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 $780,000, adding $3,988 every year, while hoping to spend $37,158 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: 68/19/13 Blend
34$780,000$780,000$780,000$780,000
35$863,674$822,334$810,244$919,621
36$912,233$823,092$797,851$958,119
37$964,499$822,642$783,798$995,411
38$1,020,812$820,886$767,989$1,035,242
39$1,081,544$817,719$750,326$1,077,858
40$1,147,104$813,029$730,704$1,123,528
41$1,217,941$806,700$709,015$1,172,552
42$1,294,549$798,607$685,145$1,225,260
43$1,377,471$788,616$658,976$1,282,016
44$1,467,304$776,589$630,382$1,343,223
45$1,564,704$762,377$599,235$1,409,325
46$1,670,392$745,821$565,397$1,480,814
47$1,785,162$726,757$528,728$1,558,233
48$1,909,886$705,006$489,079$1,642,180
49$2,045,526$680,383$446,295$1,733,317
50$2,193,138$652,689$400,213$1,832,375
51$2,353,883$621,716$350,665$1,940,160
52$2,529,041$587,243$297,475$2,057,564
53$2,720,020$549,034$240,457$2,185,570
54$2,928,368$506,843$179,418$2,325,263
55$3,155,792$460,409$114,159$2,477,843
56$3,404,168$409,454$44,468$2,644,633
57$3,675,562$353,686$0$2,827,095
58$3,972,250$292,798$0$3,030,988
59$4,296,736$226,461$0$3,260,797
60$4,651,779$154,333$0$3,512,345
61$5,040,414$76,049$0$3,787,835
62$5,465,986$0$0$4,089,697
63$5,932,176$0$0$4,422,442
64$6,443,041$0$0$4,804,543
65$7,003,047$0$0$5,223,445
66$7,617,111$0$0$5,682,833
67$8,290,653$0$0$6,186,766
68$9,029,638$0$0$6,739,716
69$9,840,640$0$0$7,346,607
70$10,730,899$0$0$8,012,862
71$11,708,389$0$0$8,744,458
72$12,781,896$0$0$9,547,977
73$13,961,097$0$0$10,430,670
74$15,256,653$0$0$11,400,524
75$16,680,309$0$0$12,466,341
76$18,245,003$0$0$13,637,814
77$19,964,990$0$0$14,925,624
78$21,855,974$0$0$16,341,538
79$23,935,257$0$0$17,898,522
80$26,221,901$0$0$19,610,857
81$28,736,908$0$0$21,494,280
82$31,503,417$0$0$23,566,132
83$34,546,924$0$0$25,845,514
84$37,895,518$0$0$28,353,476
85$41,580,151$0$0$31,113,209
86$45,634,924$0$0$34,150,266
87$50,097,411$0$0$37,492,804
88$55,009,016$0$0$41,171,847
89$60,415,357$0$0$45,221,576
90$66,366,701$0$0$49,679,660
91$72,918,434$0$0$54,587,601
92$80,131,588$0$0$59,991,131
93$88,073,411$0$0$65,940,643
94$96,818,004$0$0$72,491,663
95$106,447,021$0$0$79,705,377
96$117,050,435$0$0$87,649,206
97$128,727,391$0$0$96,397,442
98$141,587,137$0$0$106,031,952
99$155,750,058$0$0$116,642,943
100$171,348,810$0$0$128,329,821