Can I retire at age 35 with 787,000?

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 $787,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$64,990$64,411$63,846$63,295$62,756$61,489
2 years$32,173$31,574$30,993$30,430$29,884$28,613
3 years$21,236$20,634$20,055$19,497$18,960$17,724
4 years$15,768$15,168$14,595$14,046$13,522$12,332
5 years$12,488$11,892$11,326$10,789$10,279$9,138
6 years$10,303$9,711$9,153$8,628$8,134$7,042
7 years$8,742$8,155$7,606$7,094$6,615$5,573
8 years$7,572$6,990$6,451$5,951$5,488$4,496
9 years$6,662$6,086$5,556$5,069$4,621$3,679
10 years$5,935$5,365$4,844$4,369$3,938$3,043
11 years$5,341$4,776$4,264$3,803$3,387$2,539
12 years$4,846$4,287$3,785$3,335$2,935$2,133
13 years$4,427$3,874$3,381$2,945$2,559$1,802
14 years$4,068$3,521$3,038$2,614$2,243$1,530
15 years$3,758$3,217$2,743$2,331$1,975$1,303
16 years$3,487$2,951$2,487$2,087$1,746$1,113
17 years$3,248$2,718$2,263$1,875$1,548$954
18 years$3,035$2,512$2,066$1,690$1,376$819
19 years$2,845$2,328$1,891$1,527$1,227$705
20 years$2,675$2,163$1,736$1,383$1,096$607
21 years$2,521$2,015$1,596$1,255$981$524
22 years$2,381$1,881$1,471$1,141$879$453
23 years$2,253$1,759$1,359$1,039$789$392
24 years$2,136$1,648$1,256$948$709$339
25 years$2,029$1,547$1,164$866$638$294
26 years$1,930$1,454$1,079$792$575$254
27 years$1,839$1,368$1,002$725$518$221
28 years$1,754$1,289$932$664$468$191
29 years$1,675$1,216$867$609$422$166
30 years$1,602$1,148$808$559$382$144
31 years$1,534$1,086$753$513$345$125
32 years$1,469$1,027$702$472$312$109
33 years$1,409$973$656$434$282$95
34 years$1,353$922$613$399$256$82
35 years$1,300$875$573$367$232$71
36 years$1,250$830$536$338$210$62
37 years$1,203$788$502$312$190$54
38 years$1,158$749$470$287$172$47
39 years$1,116$712$440$265$156$41
40 years$1,076$678$413$244$142$36
41 years$1,038$645$387$225$129$31
42 years$1,002$614$363$208$117$27
43 years$968$585$340$192$106$23
44 years$935$558$320$177$96$20
45 years$904$532$300$164$87$18
46 years$874$508$282$151$79$15
47 years$846$484$265$140$72$13
48 years$819$463$249$129$65$12
49 years$793$442$234$119$59$10
50 years$768$422$220$110$54$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $787,000, adding $6,356 every year, while hoping to spend $39,145 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: 65/10/25 Blend
34$787,000$787,000$787,000$787,000
35$873,830$832,119$819,921$924,539
36$921,311$831,243$805,738$958,629
37$972,323$829,012$789,768$990,913
38$1,027,184$825,318$771,910$1,025,317
39$1,086,246$820,048$752,058$1,062,051
40$1,149,892$813,079$730,101$1,101,352
41$1,218,545$804,284$705,923$1,143,476
42$1,292,668$793,525$679,403$1,188,712
43$1,372,771$780,659$650,414$1,237,376
44$1,459,415$765,533$618,825$1,289,820
45$1,553,215$747,984$584,495$1,346,432
46$1,654,849$727,840$547,281$1,407,642
47$1,765,059$704,921$507,031$1,473,924
48$1,884,666$679,033$463,588$1,545,805
49$2,014,570$649,973$416,785$1,623,866
50$2,155,760$617,525$366,452$1,708,748
51$2,309,326$581,463$312,406$1,801,161
52$2,476,467$541,544$254,462$1,901,892
53$2,658,501$497,514$192,421$2,011,806
54$2,856,880$449,104$126,079$2,131,862
55$3,073,201$396,029$55,221$2,263,120
56$3,309,221$337,989$0$2,406,749
57$3,566,876$274,665$0$2,569,482
58$3,848,296$205,721$0$2,763,381
59$4,155,824$130,804$0$2,975,341
60$4,492,043$49,538$0$3,207,171
61$4,859,795$0$0$3,460,865
62$5,262,208$0$0$3,742,855
63$5,702,729$0$0$4,057,566
64$6,185,153$0$0$4,402,266
65$6,713,656$0$0$4,779,946
66$7,292,843$0$0$5,193,902
67$7,927,779$0$0$5,647,764
68$8,624,048$0$0$6,145,528
69$9,387,796$0$0$6,691,597
70$10,225,796$0$0$7,290,820
71$11,145,506$0$0$7,948,540
72$12,155,142$0$0$8,670,640
73$13,263,754$0$0$9,463,602
74$14,481,311$0$0$10,334,565
75$15,818,795$0$0$11,291,396
76$17,288,305$0$0$12,342,758
77$18,903,169$0$0$13,498,198
78$20,678,069$0$0$14,768,232
79$22,629,183$0$0$16,164,446
80$24,774,333$0$0$17,699,604
81$27,133,152$0$0$19,387,769
82$29,727,273$0$0$21,244,435
83$32,580,531$0$0$23,286,673
84$35,719,185$0$0$25,533,292
85$39,172,168$0$0$28,005,015
86$42,971,358$0$0$30,724,674
87$47,151,881$0$0$33,717,427
88$51,752,436$0$0$37,010,994
89$56,815,666$0$0$40,635,919
90$62,388,557$0$0$44,625,855
91$68,522,880$0$0$49,017,884
92$75,275,681$0$0$53,852,866
93$82,709,816$0$0$59,175,823
94$90,894,548$0$0$65,036,366
95$99,906,195$0$0$71,489,160
96$109,828,853$0$0$78,594,440
97$120,755,187$0$0$86,418,580
98$132,787,307$0$0$95,034,719
99$146,037,727$0$0$104,523,449
100$160,630,434$0$0$114,973,579