Can I retire at age 35 with 791,000?

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 $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%15.5%
1 years$65,320$64,738$64,171$63,616$63,075$61,651
2 years$32,337$31,734$31,151$30,585$30,036$28,608
3 years$21,344$20,739$20,157$19,596$19,056$17,670
4 years$15,848$15,245$14,669$14,118$13,591$12,257
5 years$12,552$11,952$11,384$10,844$10,332$9,054
6 years$10,355$9,760$9,200$8,672$8,175$6,954
7 years$8,786$8,196$7,645$7,130$6,648$5,485
8 years$7,610$7,026$6,484$5,981$5,516$4,410
9 years$6,696$6,117$5,584$5,094$4,645$3,595
10 years$5,965$5,392$4,868$4,391$3,958$2,963
11 years$5,368$4,800$4,286$3,822$3,404$2,463
12 years$4,870$4,308$3,804$3,352$2,950$2,061
13 years$4,449$3,894$3,398$2,960$2,572$1,734
14 years$4,089$3,539$3,054$2,627$2,255$1,466
15 years$3,777$3,233$2,757$2,343$1,985$1,244
16 years$3,504$2,966$2,500$2,098$1,755$1,058
17 years$3,264$2,732$2,275$1,885$1,556$903
18 years$3,051$2,524$2,076$1,699$1,383$772
19 years$2,860$2,340$1,901$1,535$1,233$661
20 years$2,688$2,174$1,744$1,390$1,101$567
21 years$2,533$2,025$1,605$1,262$986$487
22 years$2,393$1,890$1,479$1,147$883$419
23 years$2,265$1,768$1,365$1,045$793$361
24 years$2,147$1,656$1,263$953$713$311
25 years$2,039$1,554$1,170$870$641$268
26 years$1,940$1,461$1,085$796$578$231
27 years$1,848$1,375$1,007$728$521$199
28 years$1,763$1,296$936$667$470$172
29 years$1,684$1,222$871$612$424$149
30 years$1,610$1,154$812$562$383$128
31 years$1,541$1,091$757$516$347$111
32 years$1,477$1,032$706$474$314$96
33 years$1,417$978$659$436$284$83
34 years$1,360$927$616$401$257$72
35 years$1,307$879$576$369$233$62
36 years$1,256$834$539$340$211$54
37 years$1,209$792$504$313$191$46
38 years$1,164$753$472$289$173$40
39 years$1,122$716$442$266$157$35
40 years$1,081$681$415$246$143$30
41 years$1,043$649$389$227$129$26
42 years$1,007$618$365$209$117$23
43 years$973$588$342$193$106$20
44 years$940$561$321$178$97$17
45 years$909$535$302$165$88$15
46 years$879$510$283$152$80$13
47 years$850$487$266$140$72$11
48 years$823$465$250$130$66$9
49 years$797$444$235$120$60$8
50 years$772$424$221$111$54$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $791,000, adding $2,986 every year, while hoping to spend $20,862 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: 21/49/30 Blend
34$791,000$791,000$791,000$791,000
35$874,762$832,839$820,579$884,775
36$941,791$851,451$825,871$912,896
37$1,014,957$870,276$830,641$941,023
38$1,094,865$889,302$834,850$970,640
39$1,182,180$908,517$838,457$1,001,882
40$1,277,634$927,905$841,416$1,034,898
41$1,382,032$947,452$843,683$1,069,852
42$1,496,263$967,140$845,210$1,106,926
43$1,621,302$986,951$845,945$1,146,320
44$1,758,228$1,006,864$845,837$1,188,257
45$1,908,223$1,026,857$844,828$1,232,983
46$2,072,593$1,046,904$842,862$1,280,767
47$2,252,776$1,066,981$839,876$1,331,912
48$2,450,354$1,087,058$835,807$1,386,748
49$2,667,071$1,107,104$830,587$1,445,643
50$2,904,846$1,127,086$824,145$1,509,000
51$3,165,795$1,146,968$816,409$1,577,270
52$3,452,247$1,166,711$807,300$1,650,946
53$3,766,769$1,186,272$796,737$1,730,576
54$4,112,188$1,205,608$784,636$1,816,766
55$4,491,617$1,224,669$770,907$1,910,182
56$4,908,488$1,243,403$755,458$2,011,564
57$5,366,579$1,261,756$738,192$2,121,727
58$5,870,055$1,279,666$719,006$2,241,574
59$6,423,502$1,297,071$697,794$2,372,098
60$7,031,973$1,313,902$674,444$2,514,402
61$7,701,037$1,330,086$648,840$2,669,698
62$8,436,827$1,345,544$620,861$2,839,330
63$9,246,101$1,360,194$590,378$3,024,778
64$10,136,307$1,373,946$557,258$3,227,679
65$11,115,646$1,386,706$521,363$3,449,839
66$12,193,160$1,398,372$482,546$3,693,254
67$13,378,807$1,408,837$440,656$3,960,126
68$14,683,562$1,417,986$395,535$4,252,887
69$16,119,515$1,425,698$347,015$4,574,220
70$17,699,989$1,431,841$294,924$4,927,088
71$19,439,665$1,436,278$239,081$5,314,762
72$21,354,718$1,438,862$179,297$5,740,851
73$23,462,970$1,439,438$115,374$6,209,337
74$25,784,062$1,437,839$47,108$6,724,619
75$28,339,632$1,433,889$0$7,291,545
76$31,153,527$1,427,402$0$7,923,711
77$34,252,022$1,418,180$0$8,635,409
78$37,664,070$1,406,012$0$9,418,135
79$41,421,574$1,390,676$0$10,279,159
80$45,559,690$1,371,935$0$11,226,494
81$50,117,158$1,349,539$0$12,268,974
82$55,136,664$1,323,222$0$13,416,343
83$60,665,247$1,292,704$0$14,679,339
84$66,754,743$1,257,686$0$16,069,807
85$73,462,268$1,217,855$0$17,600,800
86$80,850,766$1,172,876$0$19,286,712
87$88,989,593$1,122,396$0$21,143,414
88$97,955,181$1,066,042$0$23,188,398
89$107,831,750$1,003,420$0$25,440,952
90$118,712,112$934,111$0$27,922,339
91$130,698,539$857,673$0$30,655,998
92$143,903,732$773,641$0$33,667,770
93$158,451,883$681,520$0$36,986,142
94$174,479,850$580,790$0$40,642,515
95$192,138,445$470,899$0$44,671,506
96$211,593,858$351,265$0$49,111,275
97$233,029,229$221,273$0$54,003,887
98$256,646,370$80,275$0$59,395,711
99$282,667,676$0$0$65,337,860
100$311,338,222$0$0$71,925,722