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%15%
1 years$64,412$63,838$63,278$62,732$62,198$60,918
2 years$31,887$31,293$30,718$30,160$29,618$28,334
3 years$21,047$20,450$19,876$19,323$18,791$17,543
4 years$15,628$15,033$14,465$13,921$13,402$12,200
5 years$12,377$11,786$11,225$10,693$10,188$9,035
6 years$10,211$9,624$9,072$8,551$8,061$6,959
7 years$8,664$8,082$7,539$7,031$6,556$5,505
8 years$7,505$6,928$6,393$5,898$5,439$4,438
9 years$6,603$6,032$5,507$5,024$4,580$3,629
10 years$5,882$5,317$4,801$4,330$3,903$3,000
11 years$5,293$4,734$4,227$3,769$3,356$2,502
12 years$4,803$4,249$3,751$3,306$2,909$2,100
13 years$4,388$3,839$3,351$2,918$2,536$1,773
14 years$4,032$3,490$3,011$2,591$2,223$1,504
15 years$3,725$3,188$2,719$2,310$1,958$1,280
16 years$3,456$2,925$2,465$2,069$1,730$1,093
17 years$3,219$2,694$2,243$1,859$1,534$936
18 years$3,008$2,489$2,047$1,675$1,364$803
19 years$2,820$2,307$1,874$1,514$1,216$691
20 years$2,651$2,144$1,720$1,371$1,086$595
21 years$2,498$1,997$1,582$1,244$972$513
22 years$2,359$1,864$1,458$1,131$871$443
23 years$2,233$1,743$1,346$1,030$782$382
24 years$2,117$1,633$1,245$940$703$331
25 years$2,011$1,533$1,153$858$632$286
26 years$1,913$1,441$1,070$785$570$248
27 years$1,822$1,356$993$718$514$215
28 years$1,738$1,278$923$658$463$186
29 years$1,660$1,205$859$603$418$162
30 years$1,588$1,138$800$554$378$140
31 years$1,520$1,076$746$509$342$122
32 years$1,456$1,018$696$467$309$106
33 years$1,397$964$650$430$280$92
34 years$1,341$914$607$395$253$80
35 years$1,288$867$568$364$229$69
36 years$1,239$823$531$335$208$60
37 years$1,192$781$497$309$188$52
38 years$1,148$743$466$285$171$45
39 years$1,106$706$436$263$155$39
40 years$1,066$672$409$242$141$34
41 years$1,029$639$383$223$127$30
42 years$993$609$360$206$116$26
43 years$959$580$337$190$105$22
44 years$927$553$317$176$95$20
45 years$896$527$297$162$87$17
46 years$867$503$279$150$79$15
47 years$839$480$262$139$71$13
48 years$812$458$247$128$65$11
49 years$786$438$232$118$59$10
50 years$762$418$218$109$53$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $780,000, adding $3,497 every year, while hoping to spend $25,211 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: 64/14/22 Blend
34$780,000$780,000$780,000$780,000
35$863,167$821,827$809,737$913,291
36$924,386$835,272$810,039$960,930
37$991,004$848,531$809,506$1,009,808
38$1,063,546$861,569$808,084$1,062,631
39$1,142,587$874,346$805,715$1,119,786
40$1,228,764$886,821$802,339$1,181,703
41$1,322,774$898,952$797,893$1,248,854
42$1,425,386$910,690$792,312$1,321,758
43$1,537,448$921,985$785,526$1,400,989
44$1,659,889$932,784$777,463$1,487,181
45$1,793,737$943,030$768,047$1,581,030
46$1,940,120$952,660$757,199$1,683,308
47$2,100,282$961,610$744,835$1,794,862
48$2,275,592$969,810$730,868$1,916,628
49$2,467,557$977,186$715,207$2,049,637
50$2,677,839$983,659$697,757$2,195,028
51$2,908,265$989,145$678,419$2,354,055
52$3,160,849$993,554$657,086$2,528,101
53$3,437,808$996,791$633,652$2,718,693
54$3,741,586$998,755$608,001$2,927,511
55$4,074,872$999,339$580,013$3,156,411
56$4,440,631$998,428$549,565$3,407,438
57$4,842,126$995,901$516,526$3,682,846
58$5,282,952$991,630$480,759$3,985,121
59$5,767,071$985,478$442,123$4,317,005
60$6,298,846$977,300$400,467$4,681,520
61$6,883,083$966,943$355,638$5,081,999
62$7,525,078$954,243$307,472$5,522,114
63$8,230,664$939,028$255,800$6,005,917
64$9,006,267$921,116$200,445$6,537,873
65$9,858,968$900,313$141,222$7,122,905
66$10,796,568$876,413$77,938$7,766,442
67$11,827,660$849,200$10,391$8,474,466
68$12,961,714$818,443$0$9,253,575
69$14,209,161$783,900$0$10,125,523
70$15,581,497$745,312$0$11,087,390
71$17,091,386$702,409$0$12,145,625
72$18,752,782$654,901$0$13,310,027
73$20,581,059$602,484$0$14,591,395
74$22,593,158$544,838$0$16,001,629
75$24,807,746$481,620$0$17,553,843
76$27,245,390$412,473$0$19,262,491
77$29,928,751$337,016$0$21,143,498
78$32,882,802$254,849$0$23,214,419
79$36,135,058$165,546$0$25,494,595
80$39,715,838$68,661$0$28,005,345
81$43,658,549$0$0$30,770,160
82$48,000,006$0$0$33,820,519
83$52,780,772$0$0$37,191,261
84$58,045,546$0$0$40,903,331
85$63,843,583$0$0$44,991,467
86$70,229,158$0$0$49,493,947
87$77,262,077$0$0$54,452,950
88$85,008,245$0$0$59,914,957
89$93,540,284$0$0$65,931,183
90$102,938,218$0$0$72,558,070
91$113,290,231$0$0$79,857,808
92$124,693,497$0$0$87,898,933
93$137,255,099$0$0$96,756,965
94$151,093,033$0$0$106,515,125
95$166,337,331$0$0$117,265,119
96$183,131,282$0$0$129,108,004
97$201,632,782$0$0$142,155,141
98$222,015,832$0$0$156,529,247
99$244,472,174$0$0$172,365,552
100$269,213,100$0$0$189,813,075