Can I retire at age 35 with 790,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$65,237$64,656$64,089$63,536$62,996$60,930
2 years$32,296$31,694$31,111$30,546$29,998$27,937
3 years$21,317$20,713$20,131$19,571$19,032$17,040
4 years$15,828$15,226$14,650$14,100$13,574$11,666
5 years$12,536$11,937$11,369$10,830$10,319$8,500
6 years$10,342$9,748$9,188$8,661$8,165$6,437
7 years$8,775$8,186$7,635$7,121$6,640$5,003
8 years$7,601$7,017$6,475$5,973$5,509$3,961
9 years$6,688$6,110$5,577$5,088$4,639$3,179
10 years$5,958$5,385$4,862$4,386$3,953$2,578
11 years$5,361$4,794$4,281$3,817$3,399$2,107
12 years$4,864$4,303$3,799$3,348$2,946$1,733
13 years$4,444$3,889$3,394$2,956$2,569$1,433
14 years$4,084$3,535$3,050$2,624$2,252$1,190
15 years$3,772$3,229$2,753$2,340$1,983$991
16 years$3,500$2,963$2,496$2,095$1,752$828
17 years$3,260$2,728$2,272$1,883$1,554$693
18 years$3,047$2,521$2,074$1,697$1,382$581
19 years$2,856$2,337$1,898$1,533$1,231$488
20 years$2,685$2,171$1,742$1,388$1,100$411
21 years$2,530$2,022$1,603$1,260$984$346
22 years$2,390$1,888$1,477$1,146$882$291
23 years$2,262$1,766$1,364$1,043$792$246
24 years$2,144$1,654$1,261$952$712$207
25 years$2,037$1,553$1,168$869$641$175
26 years$1,938$1,459$1,083$795$577$148
27 years$1,846$1,373$1,006$727$520$125
28 years$1,761$1,294$935$666$469$106
29 years$1,682$1,221$870$611$424$89
30 years$1,608$1,153$811$561$383$76
31 years$1,539$1,090$756$515$346$64
32 years$1,475$1,031$705$473$313$54
33 years$1,415$977$658$435$283$46
34 years$1,358$926$615$401$257$39
35 years$1,305$878$575$369$232$33
36 years$1,255$833$538$340$211$28
37 years$1,207$791$504$313$191$23
38 years$1,163$752$472$288$173$20
39 years$1,120$715$442$266$157$17
40 years$1,080$680$414$245$142$14
41 years$1,042$648$388$226$129$12
42 years$1,006$617$364$209$117$10
43 years$971$588$342$193$106$9
44 years$939$560$321$178$97$7
45 years$907$534$301$164$88$6
46 years$878$510$283$152$80$5
47 years$849$486$266$140$72$4
48 years$822$464$250$130$66$4
49 years$796$443$235$120$60$3
50 years$771$424$221$111$54$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $790,000, adding $6,847 every year, while hoping to spend $41,891 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: 32/44/24 Blend
34$790,000$790,000$790,000$790,000
35$877,643$835,773$823,528$899,079
36$922,591$832,154$806,544$912,261
37$970,719$826,954$787,588$922,218
38$1,022,308$820,050$766,548$932,096
39$1,077,666$811,315$743,309$941,914
40$1,137,129$800,611$717,752$951,699
41$1,201,068$787,793$689,748$961,483
42$1,269,890$772,707$659,167$971,306
43$1,344,040$755,191$625,870$981,216
44$1,424,008$735,072$589,714$991,270
45$1,510,335$712,168$550,546$1,001,537
46$1,603,610$686,285$508,211$1,012,098
47$1,704,485$657,220$462,543$1,023,047
48$1,813,674$624,755$413,370$1,034,493
49$1,931,964$588,663$360,513$1,046,565
50$2,060,218$548,702$303,784$1,059,407
51$2,199,387$504,614$242,987$1,073,189
52$2,350,515$456,131$177,917$1,088,104
53$2,514,752$402,966$108,362$1,104,373
54$2,693,362$344,817$34,098$1,122,247
55$2,887,737$281,365$0$1,142,011
56$3,099,407$212,273$0$1,175,553
57$3,330,057$137,185$0$1,221,746
58$3,581,541$55,724$0$1,272,330
59$3,855,897$0$0$1,327,840
60$4,155,374$0$0$1,404,612
61$4,482,441$0$0$1,518,036
62$4,839,820$0$0$1,642,088
63$5,230,507$0$0$1,777,825
64$5,657,801$0$0$1,926,406
65$6,125,333$0$0$2,089,110
66$6,637,102$0$0$2,267,346
67$7,197,512$0$0$2,462,665
68$7,811,411$0$0$2,676,773
69$8,484,140$0$0$2,911,552
70$9,221,580$0$0$3,169,074
71$10,030,209$0$0$3,451,619
72$10,917,161$0$0$3,761,703
73$11,890,294$0$0$4,102,093
74$12,958,264$0$0$4,475,838
75$14,130,604$0$0$4,886,299
76$15,417,816$0$0$5,337,175
77$16,831,470$0$0$5,832,543
78$18,384,309$0$0$6,376,894
79$20,090,372$0$0$6,975,177
80$21,965,126$0$0$7,632,841
81$24,025,610$0$0$8,355,893
82$26,290,594$0$0$9,150,947
83$28,780,759$0$0$10,025,293
84$31,518,889$0$0$10,986,963
85$34,530,088$0$0$12,044,805
86$37,842,011$0$0$13,208,567
87$41,485,131$0$0$14,488,991
88$45,493,020$0$0$15,897,913
89$49,902,672$0$0$17,448,373
90$54,754,842$0$0$19,154,740
91$60,094,441$0$0$21,032,844
92$65,970,948$0$0$23,100,132
93$72,438,885$0$0$25,375,823
94$79,558,328$0$0$27,881,099
95$87,395,470$0$0$30,639,297
96$96,023,250$0$0$33,676,132
97$105,522,036$0$0$37,019,941
98$115,980,388$0$0$40,701,947
99$127,495,887$0$0$44,756,555
100$140,176,061$0$0$49,221,678