Can I retire at age 35 with 790,000?

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 $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%18.5%
1 years$65,237$64,656$64,089$63,536$62,996$60,833
2 years$32,296$31,694$31,111$30,546$29,998$27,841
3 years$21,317$20,713$20,131$19,571$19,032$16,949
4 years$15,828$15,226$14,650$14,100$13,574$11,580
5 years$12,536$11,937$11,369$10,830$10,319$8,420
6 years$10,342$9,748$9,188$8,661$8,165$6,362
7 years$8,775$8,186$7,635$7,121$6,640$4,933
8 years$7,601$7,017$6,475$5,973$5,509$3,897
9 years$6,688$6,110$5,577$5,088$4,639$3,120
10 years$5,958$5,385$4,862$4,386$3,953$2,523
11 years$5,361$4,794$4,281$3,817$3,399$2,057
12 years$4,864$4,303$3,799$3,348$2,946$1,688
13 years$4,444$3,889$3,394$2,956$2,569$1,392
14 years$4,084$3,535$3,050$2,624$2,252$1,152
15 years$3,772$3,229$2,753$2,340$1,983$957
16 years$3,500$2,963$2,496$2,095$1,752$797
17 years$3,260$2,728$2,272$1,883$1,554$665
18 years$3,047$2,521$2,074$1,697$1,382$556
19 years$2,856$2,337$1,898$1,533$1,231$466
20 years$2,685$2,171$1,742$1,388$1,100$391
21 years$2,530$2,022$1,603$1,260$984$328
22 years$2,390$1,888$1,477$1,146$882$275
23 years$2,262$1,766$1,364$1,043$792$232
24 years$2,144$1,654$1,261$952$712$195
25 years$2,037$1,553$1,168$869$641$164
26 years$1,938$1,459$1,083$795$577$138
27 years$1,846$1,373$1,006$727$520$116
28 years$1,761$1,294$935$666$469$98
29 years$1,682$1,221$870$611$424$83
30 years$1,608$1,153$811$561$383$70
31 years$1,539$1,090$756$515$346$59
32 years$1,475$1,031$705$473$313$49
33 years$1,415$977$658$435$283$42
34 years$1,358$926$615$401$257$35
35 years$1,305$878$575$369$232$30
36 years$1,255$833$538$340$211$25
37 years$1,207$791$504$313$191$21
38 years$1,163$752$472$288$173$18
39 years$1,120$715$442$266$157$15
40 years$1,080$680$414$245$142$13
41 years$1,042$648$388$226$129$11
42 years$1,006$617$364$209$117$9
43 years$971$588$342$193$106$8
44 years$939$560$321$178$97$6
45 years$907$534$301$164$88$5
46 years$878$510$283$152$80$5
47 years$849$486$266$140$72$4
48 years$822$464$250$130$66$3
49 years$796$443$235$120$60$3
50 years$771$424$221$111$54$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $790,000, adding $5,684 every year, while hoping to spend $28,008 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: 78/15/7 Blend
34$790,000$790,000$790,000$790,000
35$876,443$834,573$822,328$943,643
36$936,040$845,667$820,076$999,636
37$1,000,777$856,366$816,809$1,056,813
38$1,071,149$866,620$812,465$1,118,687
39$1,147,700$876,378$806,977$1,185,715
40$1,231,029$885,585$800,274$1,258,397
41$1,321,795$894,179$792,284$1,337,285
42$1,420,723$902,099$782,931$1,422,987
43$1,528,611$909,276$772,133$1,516,172
44$1,646,337$915,638$759,807$1,617,578
45$1,774,868$921,109$745,865$1,728,018
46$1,915,269$925,608$730,216$1,848,387
47$2,068,710$929,046$712,762$1,979,672
48$2,236,482$931,333$693,403$2,122,959
49$2,420,004$932,370$672,033$2,279,446
50$2,620,841$932,052$648,543$2,450,454
51$2,840,715$930,270$622,817$2,637,436
52$3,081,520$926,906$594,734$2,841,995
53$3,345,346$921,836$564,168$3,065,898
54$3,634,492$914,926$530,988$3,311,091
55$3,951,491$906,037$495,056$3,579,718
56$4,299,130$895,021$456,229$3,874,144
57$4,680,484$881,719$414,355$4,196,973
58$5,098,935$865,966$369,277$4,551,078
59$5,558,211$847,583$320,833$4,939,622
60$6,062,418$826,383$268,850$5,366,092
61$6,616,078$802,169$213,149$5,834,333
62$7,224,172$774,730$153,544$6,348,579
63$7,892,190$743,844$89,840$6,913,499
64$8,626,177$709,276$21,834$7,534,239
65$9,432,793$670,777$0$8,216,470
66$10,319,377$628,084$0$8,970,231
67$11,294,013$580,919$0$9,800,607
68$12,365,606$528,988$0$10,713,576
69$13,543,969$471,979$0$11,717,522
70$14,839,913$409,565$0$12,821,687
71$16,265,348$341,398$0$14,036,254
72$17,833,399$267,112$0$15,372,445
73$19,558,523$186,318$0$16,842,629
74$21,456,653$98,609$0$18,460,435
75$23,545,342$3,551$0$20,240,882
76$25,843,931$0$0$22,200,525
77$28,373,730$0$0$24,373,997
78$31,158,221$0$0$26,766,964
79$34,223,276$0$0$29,401,078
80$37,597,405$0$0$32,300,844
81$41,312,021$0$0$35,493,263
82$45,401,738$0$0$39,008,088
83$49,904,696$0$0$42,878,102
84$54,862,923$0$0$47,139,429
85$60,322,730$0$0$51,831,877
86$66,335,147$0$0$56,999,307
87$72,956,404$0$0$62,690,053
88$80,248,465$0$0$68,957,375
89$88,279,606$0$0$75,859,962
90$97,125,067$0$0$83,462,484
91$106,867,754$0$0$91,836,204
92$117,599,027$0$0$101,059,652
93$129,419,558$0$0$111,219,359
94$142,440,286$0$0$122,410,683
95$156,783,455$0$0$134,738,701
96$172,583,777$0$0$148,319,204
97$189,989,696$0$0$163,279,788
98$209,164,794$0$0$179,761,061
99$230,289,330$0$0$197,917,966
100$253,561,946$0$0$217,921,246