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%14.3%
1 years$64,742$64,165$63,603$63,053$62,517$61,406
2 years$32,050$31,454$30,875$30,314$29,770$28,654
3 years$21,155$20,555$19,978$19,423$18,887$17,802
4 years$15,708$15,110$14,539$13,993$13,471$12,423
5 years$12,441$11,847$11,283$10,748$10,240$9,235
6 years$10,263$9,674$9,118$8,595$8,103$7,140
7 years$8,709$8,124$7,577$7,067$6,590$5,670
8 years$7,543$6,964$6,426$5,928$5,467$4,590
9 years$6,637$6,063$5,535$5,049$4,604$3,769
10 years$5,913$5,344$4,825$4,353$3,923$3,129
11 years$5,320$4,758$4,248$3,788$3,374$2,621
12 years$4,827$4,270$3,770$3,323$2,924$2,211
13 years$4,410$3,859$3,368$2,933$2,549$1,875
14 years$4,053$3,508$3,027$2,604$2,235$1,598
15 years$3,744$3,204$2,733$2,322$1,968$1,367
16 years$3,473$2,940$2,477$2,079$1,739$1,173
17 years$3,235$2,708$2,254$1,868$1,542$1,009
18 years$3,024$2,502$2,058$1,684$1,371$870
19 years$2,835$2,319$1,884$1,521$1,222$752
20 years$2,665$2,155$1,729$1,378$1,092$651
21 years$2,511$2,007$1,590$1,250$977$564
22 years$2,372$1,874$1,466$1,137$876$490
23 years$2,244$1,752$1,353$1,035$786$426
24 years$2,128$1,642$1,252$944$706$370
25 years$2,021$1,541$1,159$862$636$322
26 years$1,923$1,448$1,075$789$573$281
27 years$1,832$1,363$998$722$516$244
28 years$1,747$1,284$928$661$466$213
29 years$1,669$1,211$864$606$421$186
30 years$1,596$1,144$805$557$380$162
31 years$1,528$1,082$750$511$344$142
32 years$1,464$1,023$700$470$311$124
33 years$1,404$969$653$432$281$108
34 years$1,348$919$610$397$255$94
35 years$1,295$871$571$366$231$82
36 years$1,245$827$534$337$209$72
37 years$1,198$785$500$311$189$63
38 years$1,154$746$468$286$172$55
39 years$1,112$710$438$264$156$48
40 years$1,072$675$411$243$141$42
41 years$1,034$643$385$225$128$37
42 years$998$612$361$207$116$32
43 years$964$583$339$191$106$28
44 years$932$556$318$177$96$25
45 years$901$530$299$163$87$22
46 years$871$506$281$151$79$19
47 years$843$483$264$139$72$16
48 years$816$461$248$129$65$14
49 years$790$440$233$119$59$13
50 years$765$420$219$110$54$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $784,000, adding $2,970 every year, while hoping to spend $24,602 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: 63/22/15 Blend
34$784,000$784,000$784,000$784,000
35$867,032$825,480$813,328$918,290
36$929,292$839,752$814,398$967,316
37$997,079$853,899$814,679$1,017,753
38$1,070,930$867,888$814,119$1,072,234
39$1,151,436$881,686$812,664$1,131,155
40$1,239,249$895,255$810,254$1,194,950
41$1,335,085$908,555$806,831$1,264,099
42$1,439,734$921,545$802,329$1,339,129
43$1,554,064$934,177$796,684$1,420,623
44$1,679,030$946,404$789,825$1,509,223
45$1,815,687$958,173$781,680$1,605,637
46$1,965,193$969,429$772,172$1,710,643
47$2,128,823$980,112$761,221$1,825,103
48$2,307,985$990,159$748,743$1,949,965
49$2,504,224$999,502$734,651$2,086,273
50$2,719,246$1,008,069$718,853$2,235,181
51$2,954,927$1,015,782$701,252$2,397,959
52$3,213,335$1,022,561$681,750$2,576,007
53$3,496,746$1,028,317$660,239$2,770,870
54$3,807,668$1,032,958$636,611$2,984,251
55$4,148,862$1,036,386$610,750$3,218,026
56$4,523,373$1,038,495$582,537$3,474,266
57$4,934,550$1,039,175$551,845$3,755,251
58$5,386,086$1,038,306$518,543$4,063,498
59$5,882,047$1,035,763$482,495$4,401,779
60$6,426,913$1,031,413$443,556$4,773,152
61$7,025,620$1,025,114$401,577$5,180,988
62$7,683,605$1,016,717$356,401$5,629,003
63$8,406,857$1,006,060$307,865$6,121,292
64$9,201,977$992,977$255,798$6,662,373
65$10,076,233$977,288$200,022$7,257,224
66$11,037,637$958,803$140,351$7,911,334
67$12,095,013$937,321$76,590$8,630,753
68$13,258,084$912,630$8,536$9,422,152
69$14,537,565$884,505$0$10,292,883
70$15,945,258$852,707$0$11,261,310
71$17,494,169$816,985$0$12,328,236
72$19,198,627$777,070$0$13,502,179
73$21,074,422$732,681$0$14,794,035
74$23,138,951$683,520$0$16,215,814
75$25,411,381$629,270$0$17,780,751
76$27,912,836$569,598$0$19,503,433
77$30,666,588$504,151$0$21,399,936
78$33,698,282$432,557$0$23,487,976
79$37,036,176$354,421$0$25,787,083
80$40,711,406$269,327$0$28,318,775
81$44,758,281$176,837$0$31,106,772
82$49,214,609$76,485$0$34,177,214
83$54,122,048$0$0$37,558,909
84$59,526,504$0$0$41,291,407
85$65,478,561$0$0$45,422,565
86$72,033,958$0$0$49,972,563
87$79,254,119$0$0$54,984,043
88$87,206,726$0$0$60,503,994
89$95,966,362$0$0$66,584,194
90$105,615,214$0$0$73,281,702
91$116,243,849$0$0$80,659,392
92$127,952,064$0$0$88,786,550
93$140,849,835$0$0$97,739,524
94$155,058,348$0$0$107,602,450
95$170,711,147$0$0$118,468,039
96$187,955,392$0$0$130,438,457
97$206,953,249$0$0$143,626,289
98$227,883,420$0$0$158,155,597
99$250,942,827$0$0$174,163,096
100$276,348,476$0$0$191,799,443