Can I retire at age 35 with 784,000?

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 $784,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$64,742$64,165$63,603$63,053$62,517$60,833
2 years$32,050$31,454$30,875$30,314$29,770$28,086
3 years$21,155$20,555$19,978$19,423$18,887$17,255
4 years$15,708$15,110$14,539$13,993$13,471$11,903
5 years$12,441$11,847$11,283$10,748$10,240$8,741
6 years$10,263$9,674$9,118$8,595$8,103$6,674
7 years$8,709$8,124$7,577$7,067$6,590$5,232
8 years$7,543$6,964$6,426$5,928$5,467$4,179
9 years$6,637$6,063$5,535$5,049$4,604$3,384
10 years$5,913$5,344$4,825$4,353$3,923$2,770
11 years$5,320$4,758$4,248$3,788$3,374$2,287
12 years$4,827$4,270$3,770$3,323$2,924$1,900
13 years$4,410$3,859$3,368$2,933$2,549$1,587
14 years$4,053$3,508$3,027$2,604$2,235$1,331
15 years$3,744$3,204$2,733$2,322$1,968$1,121
16 years$3,473$2,940$2,477$2,079$1,739$946
17 years$3,235$2,708$2,254$1,868$1,542$801
18 years$3,024$2,502$2,058$1,684$1,371$679
19 years$2,835$2,319$1,884$1,521$1,222$577
20 years$2,665$2,155$1,729$1,378$1,092$491
21 years$2,511$2,007$1,590$1,250$977$418
22 years$2,372$1,874$1,466$1,137$876$356
23 years$2,244$1,752$1,353$1,035$786$304
24 years$2,128$1,642$1,252$944$706$260
25 years$2,021$1,541$1,159$862$636$222
26 years$1,923$1,448$1,075$789$573$190
27 years$1,832$1,363$998$722$516$162
28 years$1,747$1,284$928$661$466$139
29 years$1,669$1,211$864$606$421$119
30 years$1,596$1,144$805$557$380$102
31 years$1,528$1,082$750$511$344$87
32 years$1,464$1,023$700$470$311$75
33 years$1,404$969$653$432$281$64
34 years$1,348$919$610$397$255$55
35 years$1,295$871$571$366$231$47
36 years$1,245$827$534$337$209$40
37 years$1,198$785$500$311$189$35
38 years$1,154$746$468$286$172$30
39 years$1,112$710$438$264$156$25
40 years$1,072$675$411$243$141$22
41 years$1,034$643$385$225$128$19
42 years$998$612$361$207$116$16
43 years$964$583$339$191$106$14
44 years$932$556$318$177$96$12
45 years$901$530$299$163$87$10
46 years$871$506$281$151$79$9
47 years$843$483$264$139$72$7
48 years$816$461$248$129$65$6
49 years$790$440$233$119$59$5
50 years$765$420$219$110$54$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $784,000, adding $4,568 every year, while hoping to spend $48,420 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: 54/40/6 Blend
34$784,000$784,000$784,000$784,000
35$868,680$827,128$814,976$914,172
36$905,767$816,139$790,759$934,441
37$945,014$802,988$764,108$950,750
38$986,590$787,519$734,891$967,317
39$1,030,680$769,566$702,967$984,174
40$1,077,486$748,951$668,194$1,001,358
41$1,127,230$725,490$630,418$1,018,913
42$1,180,152$698,984$589,482$1,036,891
43$1,236,517$669,224$545,219$1,055,351
44$1,296,616$635,989$497,458$1,074,362
45$1,360,764$599,047$446,017$1,094,004
46$1,429,311$558,148$390,707$1,114,369
47$1,502,636$513,033$331,331$1,135,561
48$1,581,158$463,425$267,683$1,157,700
49$1,665,334$409,031$199,549$1,180,924
50$1,755,668$349,543$126,704$1,205,387
51$1,852,711$284,636$48,913$1,231,269
52$1,957,068$213,963$0$1,258,768
53$2,069,403$137,162$0$1,290,295
54$2,190,448$53,848$0$1,327,408
55$2,321,003$0$0$1,367,279
56$2,461,949$0$0$1,426,267
57$2,614,254$0$0$1,515,679
58$2,778,982$0$0$1,612,445
59$2,957,301$0$0$1,717,259
60$3,150,497$0$0$1,830,885
61$3,359,983$0$0$1,954,162
62$3,587,312$0$0$2,088,015
63$3,834,195$0$0$2,233,458
64$4,102,510$0$0$2,391,609
65$4,394,326$0$0$2,563,696
66$4,711,918$0$0$2,751,074
67$5,057,790$0$0$2,955,229
68$5,434,696$0$0$3,177,800
69$5,845,668$0$0$3,420,588
70$6,294,044$0$0$3,685,579
71$6,783,495$0$0$3,974,955
72$7,318,066$0$0$4,291,122
73$7,902,206$0$0$4,636,725
74$8,540,816$0$0$5,014,679
75$9,239,291$0$0$5,428,192
76$10,003,571$0$0$5,880,797
77$10,840,196$0$0$6,376,384
78$11,756,369$0$0$6,919,237
79$12,760,021$0$0$7,514,073
80$13,859,888$0$0$8,166,088
81$15,065,589$0$0$8,881,005
82$16,387,720$0$0$9,665,125
83$17,837,949$0$0$10,525,391
84$19,429,130$0$0$11,469,448
85$21,175,420$0$0$12,505,718
86$23,092,415$0$0$13,643,480
87$25,197,291$0$0$14,892,952
88$27,508,973$0$0$16,265,391
89$30,048,305$0$0$17,773,201
90$32,838,252$0$0$19,430,042
91$35,904,111$0$0$21,250,966
92$39,273,753$0$0$23,252,555
93$42,977,883$0$0$25,453,077
94$47,050,327$0$0$27,872,657
95$51,528,355$0$0$30,533,471
96$56,453,027$0$0$33,459,949
97$61,869,582$0$0$36,679,008
98$67,827,863$0$0$40,220,304
99$74,382,788$0$0$44,116,514
100$81,594,864$0$0$48,403,640