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%11.9%
1 years$64,494$63,920$63,359$62,812$62,278$61,782
2 years$31,928$31,333$30,757$30,198$29,656$29,156
3 years$21,074$20,477$19,902$19,348$18,815$18,327
4 years$15,648$15,052$14,483$13,939$13,419$12,946
5 years$12,393$11,801$11,240$10,707$10,201$9,744
6 years$10,224$9,637$9,083$8,562$8,072$7,632
7 years$8,675$8,093$7,548$7,040$6,564$6,143
8 years$7,514$6,937$6,402$5,905$5,446$5,041
9 years$6,612$6,040$5,514$5,030$4,586$4,199
10 years$5,890$5,324$4,807$4,336$3,908$3,538
11 years$5,300$4,740$4,232$3,774$3,361$3,008
12 years$4,809$4,254$3,756$3,310$2,912$2,576
13 years$4,393$3,844$3,356$2,922$2,540$2,219
14 years$4,037$3,494$3,015$2,594$2,226$1,921
15 years$3,729$3,192$2,722$2,313$1,960$1,671
16 years$3,460$2,929$2,468$2,071$1,732$1,458
17 years$3,223$2,697$2,246$1,861$1,536$1,276
18 years$3,012$2,492$2,050$1,677$1,366$1,119
19 years$2,824$2,310$1,877$1,516$1,217$984
20 years$2,654$2,147$1,722$1,373$1,087$867
21 years$2,501$1,999$1,584$1,246$973$766
22 years$2,363$1,866$1,460$1,133$872$677
23 years$2,236$1,746$1,348$1,032$783$599
24 years$2,120$1,636$1,247$941$704$531
25 years$2,014$1,535$1,155$859$633$471
26 years$1,915$1,443$1,071$786$570$418
27 years$1,825$1,358$995$719$514$371
28 years$1,741$1,279$925$659$464$330
29 years$1,663$1,207$860$604$419$293
30 years$1,590$1,140$801$554$379$261
31 years$1,522$1,077$747$509$342$232
32 years$1,458$1,019$697$468$310$207
33 years$1,399$965$651$430$280$184
34 years$1,343$915$608$396$254$164
35 years$1,290$868$569$365$230$147
36 years$1,240$824$532$336$208$131
37 years$1,194$782$498$309$189$117
38 years$1,149$744$466$285$171$104
39 years$1,107$707$437$263$155$93
40 years$1,068$673$409$242$141$83
41 years$1,030$640$384$224$128$74
42 years$994$610$360$206$116$66
43 years$960$581$338$191$105$59
44 years$928$554$317$176$95$53
45 years$897$528$298$163$87$47
46 years$868$504$280$150$79$42
47 years$840$481$263$139$71$37
48 years$813$459$247$128$65$33
49 years$787$438$232$118$59$30
50 years$763$419$218$109$54$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $781,000, adding $2,407 every year, while hoping to spend $21,826 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: 71/14/15 Blend
34$781,000$781,000$781,000$781,000
35$863,145$821,752$809,646$921,330
36$927,963$838,795$813,547$977,320
37$998,661$855,942$816,846$1,035,727
38$1,075,816$873,174$819,502$1,099,100
39$1,160,062$890,473$821,468$1,167,927
40$1,252,098$907,816$822,697$1,242,743
41$1,352,694$925,181$823,140$1,324,140
42$1,462,696$942,542$822,743$1,412,769
43$1,583,038$959,873$821,451$1,509,346
44$1,714,746$977,145$819,207$1,614,661
45$1,858,950$994,325$815,951$1,729,587
46$2,016,896$1,011,380$811,619$1,855,082
47$2,189,955$1,028,273$806,143$1,992,203
48$2,379,637$1,044,966$799,456$2,142,115
49$2,587,605$1,061,414$791,483$2,306,103
50$2,815,692$1,077,574$782,148$2,485,581
51$3,065,914$1,093,397$771,372$2,682,108
52$3,340,493$1,108,830$759,069$2,897,402
53$3,641,879$1,123,817$745,153$3,133,357
54$3,972,766$1,138,300$729,531$3,392,059
55$4,336,125$1,152,214$712,108$3,675,809
56$4,735,229$1,165,491$692,782$3,987,140
57$5,173,680$1,178,058$671,448$4,328,847
58$5,655,451$1,189,838$647,997$4,704,007
59$6,184,915$1,200,748$622,313$5,116,012
60$6,766,891$1,210,700$594,276$5,568,603
61$7,406,689$1,219,600$563,759$6,065,900
62$8,110,159$1,227,347$530,632$6,612,445
63$8,883,743$1,233,836$494,757$7,213,242
64$9,734,544$1,238,952$455,990$7,873,810
65$10,670,382$1,242,576$414,180$8,600,226
66$11,699,878$1,244,579$369,173$9,399,193
67$12,832,528$1,244,826$320,802$10,278,095
68$14,078,795$1,243,171$268,898$11,245,071
69$15,450,208$1,239,462$213,282$12,309,091
70$16,959,469$1,233,536$153,766$13,480,042
71$18,620,575$1,225,219$90,157$14,768,819
72$20,448,947$1,214,329$22,252$16,187,431
73$22,461,580$1,200,671$0$17,749,111
74$24,677,196$1,184,039$0$19,476,483
75$27,116,428$1,164,215$0$21,381,908
76$29,802,010$1,140,968$0$23,479,573
77$32,758,992$1,114,052$0$25,789,043
78$36,014,978$1,083,209$0$28,331,877
79$39,600,382$1,048,163$0$31,131,832
80$43,548,722$1,008,624$0$34,215,090
81$47,896,930$964,285$0$37,610,500
82$52,685,701$914,819$0$41,349,857
83$57,959,880$859,883$0$45,468,197
84$63,768,883$799,112$0$50,004,130
85$70,167,163$732,122$0$55,000,204
86$77,214,723$658,506$0$60,503,309
87$84,977,686$577,834$0$66,565,115
88$93,528,914$489,652$0$73,242,564
89$102,948,697$393,478$0$80,598,408
90$113,325,513$288,807$0$88,701,796
91$124,756,859$175,103$0$97,628,935
92$137,350,176$51,800$0$107,463,805
93$151,223,856$0$0$118,298,950
94$166,508,366$0$0$130,248,945
95$183,347,477$0$0$143,423,240
96$201,899,617$0$0$157,937,813
97$222,339,373$0$0$173,929,264
98$244,859,132$0$0$191,548,118
99$269,670,903$0$0$210,960,256
100$297,008,314$0$0$232,348,469