Can I retire at age 35 with 791,000?

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 $791,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$65,320$64,738$64,171$63,616$63,075$61,352
2 years$32,337$31,734$31,151$30,585$30,036$28,312
3 years$21,344$20,739$20,157$19,596$19,056$17,386
4 years$15,848$15,245$14,669$14,118$13,591$11,987
5 years$12,552$11,952$11,384$10,844$10,332$8,799
6 years$10,355$9,760$9,200$8,672$8,175$6,714
7 years$8,786$8,196$7,645$7,130$6,648$5,260
8 years$7,610$7,026$6,484$5,981$5,516$4,199
9 years$6,696$6,117$5,584$5,094$4,645$3,399
10 years$5,965$5,392$4,868$4,391$3,958$2,780
11 years$5,368$4,800$4,286$3,822$3,404$2,293
12 years$4,870$4,308$3,804$3,352$2,950$1,904
13 years$4,449$3,894$3,398$2,960$2,572$1,589
14 years$4,089$3,539$3,054$2,627$2,255$1,332
15 years$3,777$3,233$2,757$2,343$1,985$1,121
16 years$3,504$2,966$2,500$2,098$1,755$946
17 years$3,264$2,732$2,275$1,885$1,556$800
18 years$3,051$2,524$2,076$1,699$1,383$678
19 years$2,860$2,340$1,901$1,535$1,233$575
20 years$2,688$2,174$1,744$1,390$1,101$489
21 years$2,533$2,025$1,605$1,262$986$416
22 years$2,393$1,890$1,479$1,147$883$355
23 years$2,265$1,768$1,365$1,045$793$302
24 years$2,147$1,656$1,263$953$713$258
25 years$2,039$1,554$1,170$870$641$220
26 years$1,940$1,461$1,085$796$578$188
27 years$1,848$1,375$1,007$728$521$161
28 years$1,763$1,296$936$667$470$138
29 years$1,684$1,222$871$612$424$118
30 years$1,610$1,154$812$562$383$101
31 years$1,541$1,091$757$516$347$86
32 years$1,477$1,032$706$474$314$74
33 years$1,417$978$659$436$284$63
34 years$1,360$927$616$401$257$54
35 years$1,307$879$576$369$233$46
36 years$1,256$834$539$340$211$40
37 years$1,209$792$504$313$191$34
38 years$1,164$753$472$289$173$29
39 years$1,122$716$442$266$157$25
40 years$1,081$681$415$246$143$21
41 years$1,043$649$389$227$129$18
42 years$1,007$618$365$209$117$16
43 years$973$588$342$193$106$13
44 years$940$561$321$178$97$11
45 years$909$535$302$165$88$10
46 years$879$510$283$152$80$8
47 years$850$487$266$140$72$7
48 years$823$465$250$130$66$6
49 years$797$444$235$120$60$5
50 years$772$424$221$111$54$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $791,000, adding $2,265 every year, while hoping to spend $52,189 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: 48/27/25 Blend
34$791,000$791,000$791,000$791,000
35$874,018$832,095$819,835$909,655
36$907,640$817,339$791,771$920,092
37$942,941$800,111$761,017$926,063
38$980,039$780,234$727,429$931,506
39$1,019,060$757,523$690,855$936,395
40$1,060,141$731,778$651,136$940,707
41$1,103,432$702,793$608,105$944,418
42$1,149,096$670,344$561,591$947,508
43$1,197,312$634,198$511,412$949,959
44$1,248,272$594,108$457,379$951,752
45$1,302,188$549,812$399,293$952,876
46$1,359,291$501,033$336,950$953,321
47$1,419,834$447,478$270,133$953,082
48$1,484,092$388,839$198,617$952,159
49$1,552,366$324,789$122,167$950,559
50$1,624,986$254,983$40,539$948,295
51$1,702,314$179,056$0$945,389
52$1,784,744$96,624$0$954,295
53$1,872,708$7,279$0$974,980
54$1,966,681$0$0$996,747
55$2,067,183$0$0$1,046,306
56$2,174,783$0$0$1,101,737
57$2,290,105$0$0$1,161,206
58$2,413,836$0$0$1,225,074
59$2,546,726$0$0$1,293,738
60$2,689,602$0$0$1,367,632
61$2,843,369$0$0$1,447,234
62$3,009,022$0$0$1,533,069
63$3,187,654$0$0$1,625,713
64$3,380,466$0$0$1,725,799
65$3,588,775$0$0$1,834,023
66$3,814,033$0$0$1,951,150
67$4,057,832$0$0$2,078,021
68$4,321,924$0$0$2,215,560
69$4,608,234$0$0$2,364,783
70$4,918,880$0$0$2,526,810
71$5,256,191$0$0$2,702,869
72$5,622,729$0$0$2,894,313
73$6,021,311$0$0$3,102,631
74$6,455,038$0$0$3,329,460
75$6,927,322$0$0$3,576,601
76$7,441,915$0$0$3,846,039
77$8,002,949$0$0$4,139,954
78$8,614,970$0$0$4,460,751
79$9,282,982$0$0$4,811,071
80$10,012,495$0$0$5,193,828
81$10,809,570$0$0$5,612,224
82$11,680,886$0$0$6,069,788
83$12,633,791$0$0$6,570,405
84$13,676,377$0$0$7,118,353
85$14,817,557$0$0$7,718,340
86$16,067,142$0$0$8,375,555
87$17,435,938$0$0$9,095,708
88$18,935,845$0$0$9,885,092
89$20,579,967$0$0$10,750,634
90$22,382,739$0$0$11,699,965
91$24,360,058$0$0$12,741,489
92$26,529,432$0$0$13,884,465
93$28,910,150$0$0$15,139,091
94$31,523,454$0$0$16,516,597
95$34,392,745$0$0$18,029,359
96$37,543,803$0$0$19,691,007
97$41,005,023$0$0$21,516,557
98$44,807,687$0$0$23,522,550
99$48,986,258$0$0$25,727,211
100$53,578,701$0$0$28,150,616