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%16.7%
1 years$64,412$63,838$63,278$62,732$62,198$60,498
2 years$31,887$31,293$30,718$30,160$29,618$27,918
3 years$21,047$20,450$19,876$19,323$18,791$17,144
4 years$15,628$15,033$14,465$13,921$13,402$11,820
5 years$12,377$11,786$11,225$10,693$10,188$8,676
6 years$10,211$9,624$9,072$8,551$8,061$6,621
7 years$8,664$8,082$7,539$7,031$6,556$5,187
8 years$7,505$6,928$6,393$5,898$5,439$4,141
9 years$6,603$6,032$5,507$5,024$4,580$3,351
10 years$5,882$5,317$4,801$4,330$3,903$2,742
11 years$5,293$4,734$4,227$3,769$3,356$2,262
12 years$4,803$4,249$3,751$3,306$2,909$1,878
13 years$4,388$3,839$3,351$2,918$2,536$1,567
14 years$4,032$3,490$3,011$2,591$2,223$1,314
15 years$3,725$3,188$2,719$2,310$1,958$1,105
16 years$3,456$2,925$2,465$2,069$1,730$933
17 years$3,219$2,694$2,243$1,859$1,534$789
18 years$3,008$2,489$2,047$1,675$1,364$668
19 years$2,820$2,307$1,874$1,514$1,216$567
20 years$2,651$2,144$1,720$1,371$1,086$482
21 years$2,498$1,997$1,582$1,244$972$410
22 years$2,359$1,864$1,458$1,131$871$350
23 years$2,233$1,743$1,346$1,030$782$298
24 years$2,117$1,633$1,245$940$703$254
25 years$2,011$1,533$1,153$858$632$217
26 years$1,913$1,441$1,070$785$570$186
27 years$1,822$1,356$993$718$514$159
28 years$1,738$1,278$923$658$463$136
29 years$1,660$1,205$859$603$418$116
30 years$1,588$1,138$800$554$378$99
31 years$1,520$1,076$746$509$342$85
32 years$1,456$1,018$696$467$309$73
33 years$1,397$964$650$430$280$62
34 years$1,341$914$607$395$253$53
35 years$1,288$867$568$364$229$46
36 years$1,239$823$531$335$208$39
37 years$1,192$781$497$309$188$33
38 years$1,148$743$466$285$171$29
39 years$1,106$706$436$263$155$25
40 years$1,066$672$409$242$141$21
41 years$1,029$639$383$223$127$18
42 years$993$609$360$206$116$15
43 years$959$580$337$190$105$13
44 years$927$553$317$176$95$11
45 years$896$527$297$162$87$10
46 years$867$503$279$150$79$8
47 years$839$480$262$139$71$7
48 years$812$458$247$128$65$6
49 years$786$438$232$118$59$5
50 years$762$418$218$109$53$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $780,000, adding $4,345 every year, while hoping to spend $57,654 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: 80/11/9 Blend
34$780,000$780,000$780,000$780,000
35$864,042$822,702$810,612$931,667
36$890,831$801,671$776,424$955,601
37$918,420$777,677$739,158$973,863
38$946,830$750,514$698,651$992,186
39$976,081$719,965$654,731$1,010,549
40$1,006,196$685,797$607,219$1,028,928
41$1,037,195$647,768$555,928$1,047,294
42$1,069,099$605,619$500,662$1,065,620
43$1,101,930$559,077$441,217$1,083,873
44$1,135,709$507,854$377,380$1,102,020
45$1,170,457$451,645$308,927$1,120,024
46$1,206,195$390,126$235,628$1,137,844
47$1,242,943$322,959$157,237$1,155,436
48$1,280,721$249,782$73,503$1,172,754
49$1,319,549$170,216$0$1,189,745
50$1,359,446$83,859$0$1,207,879
51$1,400,430$0$0$1,233,204
52$1,442,516$0$0$1,259,793
53$1,485,722$0$0$1,297,507
54$1,530,061$0$0$1,336,209
55$1,575,545$0$0$1,375,908
56$1,622,186$0$0$1,416,614
57$1,669,991$0$0$1,458,333
58$1,718,966$0$0$1,501,070
59$1,769,113$0$0$1,544,828
60$1,820,432$0$0$1,589,603
61$1,872,917$0$0$1,635,393
62$1,926,561$0$0$1,682,188
63$1,981,348$0$0$1,729,976
64$2,037,259$0$0$1,778,739
65$2,094,269$0$0$1,828,454
66$2,152,343$0$0$1,879,089
67$2,211,441$0$0$1,930,611
68$2,271,514$0$0$1,982,972
69$2,332,501$0$0$2,036,121
70$2,394,331$0$0$2,089,994
71$2,456,922$0$0$2,144,517
72$2,520,175$0$0$2,199,604
73$2,583,978$0$0$2,255,154
74$2,648,202$0$0$2,311,053
75$2,712,697$0$0$2,367,168
76$2,777,294$0$0$2,423,350
77$2,841,799$0$0$2,479,426
78$2,905,991$0$0$2,535,202
79$2,969,623$0$0$2,590,458
80$3,032,412$0$0$2,644,945
81$3,094,043$0$0$2,698,383
82$3,154,157$0$0$2,750,457
83$3,212,356$0$0$2,800,812
84$3,268,191$0$0$2,849,053
85$3,321,158$0$0$2,894,735
86$3,370,695$0$0$2,937,361
87$3,416,175$0$0$2,976,377
88$3,456,896$0$0$3,011,164
89$3,492,077$0$0$3,041,032
90$3,520,848$0$0$3,065,213
91$3,542,240$0$0$3,082,851
92$3,555,175$0$0$3,092,995
93$3,558,455$0$0$3,094,588
94$3,550,751$0$0$3,086,455
95$3,530,585$0$0$3,067,295
96$3,496,319$0$0$3,035,659
97$3,446,134$0$0$2,989,945
98$3,378,016$0$0$2,928,375
99$3,289,731$0$0$2,848,978
100$3,178,807$0$0$2,749,573