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%11.6%
1 years$65,237$64,656$64,089$63,536$62,996$62,572
2 years$32,296$31,694$31,111$30,546$29,998$29,571
3 years$21,317$20,713$20,131$19,571$19,032$18,615
4 years$15,828$15,226$14,650$14,100$13,574$13,169
5 years$12,536$11,937$11,369$10,830$10,319$9,928
6 years$10,342$9,748$9,188$8,661$8,165$7,789
7 years$8,775$8,186$7,635$7,121$6,640$6,279
8 years$7,601$7,017$6,475$5,973$5,509$5,162
9 years$6,688$6,110$5,577$5,088$4,639$4,307
10 years$5,958$5,385$4,862$4,386$3,953$3,635
11 years$5,361$4,794$4,281$3,817$3,399$3,096
12 years$4,864$4,303$3,799$3,348$2,946$2,657
13 years$4,444$3,889$3,394$2,956$2,569$2,293
14 years$4,084$3,535$3,050$2,624$2,252$1,990
15 years$3,772$3,229$2,753$2,340$1,983$1,733
16 years$3,500$2,963$2,496$2,095$1,752$1,516
17 years$3,260$2,728$2,272$1,883$1,554$1,329
18 years$3,047$2,521$2,074$1,697$1,382$1,169
19 years$2,856$2,337$1,898$1,533$1,231$1,030
20 years$2,685$2,171$1,742$1,388$1,100$910
21 years$2,530$2,022$1,603$1,260$984$805
22 years$2,390$1,888$1,477$1,146$882$713
23 years$2,262$1,766$1,364$1,043$792$632
24 years$2,144$1,654$1,261$952$712$561
25 years$2,037$1,553$1,168$869$641$499
26 years$1,938$1,459$1,083$795$577$444
27 years$1,846$1,373$1,006$727$520$395
28 years$1,761$1,294$935$666$469$352
29 years$1,682$1,221$870$611$424$314
30 years$1,608$1,153$811$561$383$280
31 years$1,539$1,090$756$515$346$250
32 years$1,475$1,031$705$473$313$223
33 years$1,415$977$658$435$283$199
34 years$1,358$926$615$401$257$178
35 years$1,305$878$575$369$232$159
36 years$1,255$833$538$340$211$142
37 years$1,207$791$504$313$191$127
38 years$1,163$752$472$288$173$114
39 years$1,120$715$442$266$157$102
40 years$1,080$680$414$245$142$91
41 years$1,042$648$388$226$129$82
42 years$1,006$617$364$209$117$73
43 years$971$588$342$193$106$65
44 years$939$560$321$178$97$58
45 years$907$534$301$164$88$52
46 years$878$510$283$152$80$47
47 years$849$486$266$140$72$42
48 years$822$464$250$130$66$38
49 years$796$443$235$120$60$34
50 years$771$424$221$111$54$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $790,000, adding $3,275 every year, while hoping to spend $20,846 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: 45/41/14 Blend
34$790,000$790,000$790,000$790,000
35$873,958$832,088$819,843$909,653
36$940,922$850,681$825,128$953,428
37$1,014,017$869,485$829,891$998,502
38$1,093,848$888,491$834,093$1,046,923
39$1,181,077$907,684$837,692$1,099,008
40$1,276,438$927,051$840,646$1,155,109
41$1,380,734$946,576$842,907$1,215,610
42$1,494,853$966,242$844,428$1,280,937
43$1,619,770$986,030$845,158$1,351,559
44$1,756,560$1,005,919$845,045$1,427,993
45$1,906,408$1,025,888$844,033$1,510,808
46$2,070,617$1,045,912$842,063$1,600,631
47$2,250,622$1,065,964$839,074$1,698,154
48$2,448,005$1,086,015$835,003$1,804,141
49$2,664,507$1,106,036$829,781$1,919,431
50$2,902,047$1,125,992$823,339$2,044,952
51$3,162,738$1,145,847$815,603$2,181,725
52$3,448,906$1,165,563$806,495$2,330,876
53$3,763,116$1,185,097$795,934$2,493,648
54$4,108,192$1,204,405$783,836$2,671,408
55$4,487,245$1,223,438$770,111$2,865,666
56$4,903,701$1,242,143$754,667$3,078,087
57$5,361,337$1,260,467$737,407$3,310,503
58$5,864,311$1,278,348$718,228$3,564,939
59$6,417,207$1,295,723$697,025$3,843,622
60$7,025,072$1,312,523$673,685$4,149,012
61$7,693,469$1,328,676$648,093$4,483,818
62$8,428,525$1,344,104$620,126$4,851,029
63$9,236,992$1,358,722$589,658$5,253,937
64$10,126,309$1,372,443$556,555$5,696,174
65$11,104,670$1,385,171$520,678$6,181,745
66$12,181,108$1,396,806$481,882$6,715,062
67$13,365,570$1,407,238$440,014$7,300,991
68$14,669,020$1,416,355$394,917$7,944,897
69$16,103,538$1,424,034$346,423$8,652,694
70$17,682,431$1,430,144$294,362$9,430,900
71$19,420,367$1,434,549$238,550$10,286,702
72$21,333,503$1,437,100$178,800$11,228,025
73$23,439,645$1,437,643$114,915$12,263,602
74$25,758,413$1,436,011$46,688$13,403,061
75$28,311,424$1,432,029$0$14,657,016
76$31,122,501$1,425,510$0$16,041,070
77$34,217,892$1,416,256$0$17,571,915
78$37,626,520$1,404,057$0$19,256,823
79$41,380,259$1,388,689$0$21,111,503
80$45,514,228$1,369,917$0$23,153,268
81$50,067,127$1,347,491$0$25,401,203
82$55,081,601$1,321,145$0$27,876,341
83$60,604,641$1,290,598$0$30,601,863
84$66,688,030$1,255,553$0$33,603,321
85$73,388,829$1,215,695$0$36,908,875
86$80,769,916$1,170,690$0$40,549,564
87$88,900,580$1,120,186$0$44,559,595
88$97,857,173$1,063,809$0$48,976,671
89$107,723,834$1,001,165$0$53,842,346
90$118,593,279$931,837$0$59,202,419
91$130,567,679$855,382$0$65,107,365
92$143,759,620$771,334$0$71,612,816
93$158,293,172$679,200$0$78,780,085
94$174,305,054$578,458$0$86,676,746
95$191,945,925$468,559$0$95,377,275
96$211,381,811$348,920$0$104,963,753
97$232,795,665$218,926$0$115,526,642
98$256,389,100$77,930$0$127,165,642
99$282,384,285$0$0$139,990,633
100$311,026,049$0$0$154,156,439