Can I retire at age 35 with 781,000?

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 $781,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$64,494$63,920$63,359$62,812$62,278$60,405
2 years$31,928$31,333$30,757$30,198$29,656$27,785
3 years$21,074$20,477$19,902$19,348$18,815$17,005
4 years$15,648$15,052$14,483$13,939$13,419$11,683
5 years$12,393$11,801$11,240$10,707$10,201$8,544
6 years$10,224$9,637$9,083$8,562$8,072$6,495
7 years$8,675$8,093$7,548$7,040$6,564$5,068
8 years$7,514$6,937$6,402$5,905$5,446$4,029
9 years$6,612$6,040$5,514$5,030$4,586$3,247
10 years$5,890$5,324$4,807$4,336$3,908$2,645
11 years$5,300$4,740$4,232$3,774$3,361$2,172
12 years$4,809$4,254$3,756$3,310$2,912$1,795
13 years$4,393$3,844$3,356$2,922$2,540$1,491
14 years$4,037$3,494$3,015$2,594$2,226$1,244
15 years$3,729$3,192$2,722$2,313$1,960$1,041
16 years$3,460$2,929$2,468$2,071$1,732$874
17 years$3,223$2,697$2,246$1,861$1,536$736
18 years$3,012$2,492$2,050$1,677$1,366$620
19 years$2,824$2,310$1,877$1,516$1,217$524
20 years$2,654$2,147$1,722$1,373$1,087$443
21 years$2,501$1,999$1,584$1,246$973$375
22 years$2,363$1,866$1,460$1,133$872$318
23 years$2,236$1,746$1,348$1,032$783$269
24 years$2,120$1,636$1,247$941$704$229
25 years$2,014$1,535$1,155$859$633$194
26 years$1,915$1,443$1,071$786$570$165
27 years$1,825$1,358$995$719$514$140
28 years$1,741$1,279$925$659$464$119
29 years$1,663$1,207$860$604$419$101
30 years$1,590$1,140$801$554$379$86
31 years$1,522$1,077$747$509$342$73
32 years$1,458$1,019$697$468$310$62
33 years$1,399$965$651$430$280$53
34 years$1,343$915$608$396$254$45
35 years$1,290$868$569$365$230$38
36 years$1,240$824$532$336$208$33
37 years$1,194$782$498$309$189$28
38 years$1,149$744$466$285$171$24
39 years$1,107$707$437$263$155$20
40 years$1,068$673$409$242$141$17
41 years$1,030$640$384$224$128$15
42 years$994$610$360$206$116$12
43 years$960$581$338$191$105$11
44 years$928$554$317$176$95$9
45 years$897$528$298$163$87$8
46 years$868$504$280$150$79$7
47 years$840$481$263$139$71$6
48 years$813$459$247$128$65$5
49 years$787$438$232$118$59$4
50 years$763$419$218$109$54$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $781,000, adding $5,700 every year, while hoping to spend $42,036 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: 24/46/30 Blend
34$781,000$781,000$781,000$781,000
35$866,542$825,149$813,043$879,099
36$910,203$820,855$795,554$886,040
37$956,909$814,942$776,070$889,579
38$1,006,925$807,286$754,480$892,502
39$1,060,544$797,756$730,668$894,787
40$1,118,087$786,213$704,512$896,414
41$1,179,903$772,509$675,885$897,366
42$1,246,380$756,488$644,654$897,628
43$1,317,940$737,985$610,679$897,189
44$1,395,049$716,826$573,816$896,043
45$1,478,217$692,824$533,912$894,188
46$1,568,006$665,783$490,809$891,629
47$1,665,033$635,496$444,341$888,378
48$1,769,974$601,743$394,335$884,455
49$1,883,576$564,293$340,609$879,888
50$2,006,656$522,899$282,975$874,717
51$2,140,115$477,301$221,235$868,993
52$2,284,944$427,226$155,184$862,783
53$2,442,232$372,383$84,605$856,168
54$2,613,175$312,466$9,276$849,247
55$2,799,093$247,151$0$842,140
56$3,001,435$176,096$0$857,753
57$3,221,796$98,939$0$878,141
58$3,461,931$15,299$0$900,608
59$3,723,773$0$0$925,473
60$4,009,448$0$0$991,169
61$4,321,296$0$0$1,071,466
62$4,661,893$0$0$1,159,297
63$5,034,075$0$0$1,255,410
64$5,440,965$0$0$1,360,631
65$5,886,001$0$0$1,475,864
66$6,372,966$0$0$1,602,110
67$6,906,031$0$0$1,740,467
68$7,489,782$0$0$1,892,147
69$8,129,276$0$0$2,058,485
70$8,830,077$0$0$2,240,949
71$9,598,316$0$0$2,441,158
72$10,440,744$0$0$2,660,896
73$11,364,796$0$0$2,902,124
74$12,378,664$0$0$3,167,007
75$13,491,367$0$0$3,457,928
76$14,712,844$0$0$3,777,510
77$16,054,041$0$0$4,128,647
78$17,527,014$0$0$4,514,523
79$19,145,048$0$0$4,938,649
80$20,922,775$0$0$5,404,890
81$22,876,316$0$0$5,917,506
82$25,023,430$0$0$6,481,191
83$27,383,681$0$0$7,101,114
84$29,978,626$0$0$7,782,974
85$32,832,012$0$0$8,533,046
86$35,970,004$0$0$9,358,245
87$39,421,429$0$0$10,266,192
88$43,218,047$0$0$11,265,282
89$47,394,853$0$0$12,364,766
90$51,990,403$0$0$13,574,834
91$57,047,179$0$0$14,906,720
92$62,611,989$0$0$16,372,795
93$68,736,409$0$0$17,986,697
94$75,477,267$0$0$19,763,449
95$82,897,179$0$0$21,719,606
96$91,065,141$0$0$23,873,409
97$100,057,177$0$0$26,244,961
98$109,957,058$0$0$28,856,409
99$120,857,089$0$0$31,732,161
100$132,858,983$0$0$34,899,110