Can I retire at age 35 with 780,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%20%
1 years$64,412$63,838$63,278$62,732$62,198$59,707
2 years$31,887$31,293$30,718$30,160$29,618$27,140
3 years$21,047$20,450$19,876$19,323$18,791$16,403
4 years$15,628$15,033$14,465$13,921$13,402$11,123
5 years$12,377$11,786$11,225$10,693$10,188$8,023
6 years$10,211$9,624$9,072$8,551$8,061$6,013
7 years$8,664$8,082$7,539$7,031$6,556$4,623
8 years$7,505$6,928$6,393$5,898$5,439$3,619
9 years$6,603$6,032$5,507$5,024$4,580$2,871
10 years$5,882$5,317$4,801$4,330$3,903$2,300
11 years$5,293$4,734$4,227$3,769$3,356$1,857
12 years$4,803$4,249$3,751$3,306$2,909$1,508
13 years$4,388$3,839$3,351$2,918$2,536$1,231
14 years$4,032$3,490$3,011$2,591$2,223$1,009
15 years$3,725$3,188$2,719$2,310$1,958$829
16 years$3,456$2,925$2,465$2,069$1,730$683
17 years$3,219$2,694$2,243$1,859$1,534$564
18 years$3,008$2,489$2,047$1,675$1,364$466
19 years$2,820$2,307$1,874$1,514$1,216$386
20 years$2,651$2,144$1,720$1,371$1,086$320
21 years$2,498$1,997$1,582$1,244$972$265
22 years$2,359$1,864$1,458$1,131$871$220
23 years$2,233$1,743$1,346$1,030$782$183
24 years$2,117$1,633$1,245$940$703$152
25 years$2,011$1,533$1,153$858$632$127
26 years$1,913$1,441$1,070$785$570$105
27 years$1,822$1,356$993$718$514$88
28 years$1,738$1,278$923$658$463$73
29 years$1,660$1,205$859$603$418$61
30 years$1,588$1,138$800$554$378$51
31 years$1,520$1,076$746$509$342$42
32 years$1,456$1,018$696$467$309$35
33 years$1,397$964$650$430$280$29
34 years$1,341$914$607$395$253$24
35 years$1,288$867$568$364$229$20
36 years$1,239$823$531$335$208$17
37 years$1,192$781$497$309$188$14
38 years$1,148$743$466$285$171$12
39 years$1,106$706$436$263$155$10
40 years$1,066$672$409$242$141$8
41 years$1,029$639$383$223$127$7
42 years$993$609$360$206$116$6
43 years$959$580$337$190$105$5
44 years$927$553$317$176$95$4
45 years$896$527$297$162$87$3
46 years$867$503$279$150$79$3
47 years$839$480$262$139$71$2
48 years$812$458$247$128$65$2
49 years$786$438$232$118$59$2
50 years$762$418$218$109$53$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $780,000, adding $2,521 every year, while hoping to spend $23,237 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: 76/10/14 Blend
34$780,000$780,000$780,000$780,000
35$862,160$820,820$808,730$924,969
36$925,377$836,317$811,099$982,263
37$994,262$851,793$812,768$1,041,889
38$1,069,371$867,225$813,690$1,106,616
39$1,151,312$882,584$813,813$1,176,944
40$1,240,756$897,841$813,087$1,253,426
41$1,338,442$912,964$811,454$1,336,666
42$1,445,183$927,919$808,857$1,427,336
43$1,561,873$942,668$805,235$1,526,171
44$1,689,498$957,173$800,524$1,633,983
45$1,829,142$971,390$794,657$1,751,668
46$1,982,000$985,274$787,564$1,880,209
47$2,149,388$998,776$779,171$2,020,695
48$2,332,754$1,011,845$769,402$2,174,320
49$2,533,694$1,024,424$758,175$2,342,405
50$2,753,964$1,036,454$745,407$2,526,401
51$2,995,499$1,047,871$731,009$2,727,911
52$3,260,430$1,058,607$714,889$2,948,698
53$3,551,105$1,068,590$696,949$3,190,707
54$3,870,110$1,077,743$677,089$3,456,082
55$4,220,292$1,085,983$655,202$3,747,182
56$4,604,789$1,093,223$631,178$4,066,612
57$5,027,056$1,099,370$604,902$4,417,238
58$5,490,901$1,104,324$576,251$4,802,222
59$6,000,517$1,107,980$545,099$5,225,046
60$6,560,525$1,110,226$511,315$5,689,549
61$7,176,014$1,110,943$474,760$6,199,963
62$7,852,592$1,110,003$435,288$6,760,948
63$8,596,436$1,107,274$392,751$7,377,643
64$9,414,353$1,102,611$346,989$8,055,711
65$10,313,842$1,095,864$297,838$8,801,393
66$11,303,165$1,086,871$245,126$9,621,567
67$12,391,423$1,075,464$188,673$10,523,813
68$13,588,647$1,061,460$128,292$11,516,484
69$14,905,887$1,044,669$63,788$12,608,787
70$16,355,317$1,024,888$0$13,810,868
71$17,950,355$1,001,903$0$15,134,665
72$19,705,780$975,485$0$16,601,965
73$21,637,879$945,394$0$18,216,844
74$23,764,600$911,375$0$19,994,305
75$26,105,715$873,158$0$21,950,881
76$28,683,013$830,459$0$24,104,790
77$31,520,503$782,974$0$26,476,109
78$34,644,640$730,384$0$29,086,959
79$38,084,573$672,353$0$31,961,719
80$41,872,424$608,523$0$35,127,254
81$46,043,588$538,517$0$38,613,168
82$50,637,065$461,936$0$42,452,083
83$55,695,834$378,359$0$46,679,949
84$61,267,252$287,342$0$51,336,383
85$67,403,503$188,413$0$56,465,040
86$74,162,092$81,077$0$62,114,029
87$81,606,386$0$0$68,336,365
88$89,806,209$0$0$75,194,345
89$98,838,508$0$0$82,758,441
90$108,788,072$0$0$91,090,744
91$119,748,334$0$0$100,269,507
92$131,822,254$0$0$110,380,961
93$145,123,292$0$0$121,520,127
94$159,776,474$0$0$133,791,719
95$175,919,574$0$0$147,311,123
96$193,704,416$0$0$162,205,496
97$213,298,305$0$0$178,614,956
98$234,885,606$0$0$196,693,913
99$258,669,484$0$0$216,612,521
100$284,873,823$0$0$238,558,286