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%19.4%
1 years$65,320$64,738$64,171$63,616$63,075$60,693
2 years$32,337$31,734$31,151$30,585$30,036$27,663
3 years$21,344$20,739$20,157$19,596$19,056$16,768
4 years$15,848$15,245$14,669$14,118$13,591$11,404
5 years$12,552$11,952$11,384$10,844$10,332$8,253
6 years$10,355$9,760$9,200$8,672$8,175$6,205
7 years$8,786$8,196$7,645$7,130$6,648$4,787
8 years$7,610$7,026$6,484$5,981$5,516$3,761
9 years$6,696$6,117$5,584$5,094$4,645$2,994
10 years$5,965$5,392$4,868$4,391$3,958$2,408
11 years$5,368$4,800$4,286$3,822$3,404$1,952
12 years$4,870$4,308$3,804$3,352$2,950$1,592
13 years$4,449$3,894$3,398$2,960$2,572$1,305
14 years$4,089$3,539$3,054$2,627$2,255$1,073
15 years$3,777$3,233$2,757$2,343$1,985$886
16 years$3,504$2,966$2,500$2,098$1,755$733
17 years$3,264$2,732$2,275$1,885$1,556$608
18 years$3,051$2,524$2,076$1,699$1,383$505
19 years$2,860$2,340$1,901$1,535$1,233$420
20 years$2,688$2,174$1,744$1,390$1,101$350
21 years$2,533$2,025$1,605$1,262$986$291
22 years$2,393$1,890$1,479$1,147$883$243
23 years$2,265$1,768$1,365$1,045$793$203
24 years$2,147$1,656$1,263$953$713$169
25 years$2,039$1,554$1,170$870$641$142
26 years$1,940$1,461$1,085$796$578$118
27 years$1,848$1,375$1,007$728$521$99
28 years$1,763$1,296$936$667$470$83
29 years$1,684$1,222$871$612$424$69
30 years$1,610$1,154$812$562$383$58
31 years$1,541$1,091$757$516$347$48
32 years$1,477$1,032$706$474$314$41
33 years$1,417$978$659$436$284$34
34 years$1,360$927$616$401$257$28
35 years$1,307$879$576$369$233$24
36 years$1,256$834$539$340$211$20
37 years$1,209$792$504$313$191$17
38 years$1,164$753$472$289$173$14
39 years$1,122$716$442$266$157$12
40 years$1,081$681$415$246$143$10
41 years$1,043$649$389$227$129$8
42 years$1,007$618$365$209$117$7
43 years$973$588$342$193$106$6
44 years$940$561$321$178$97$5
45 years$909$535$302$165$88$4
46 years$879$510$283$152$80$3
47 years$850$487$266$140$72$3
48 years$823$465$250$130$66$2
49 years$797$444$235$120$60$2
50 years$772$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 $791,000, adding $5,629 every year, while hoping to spend $38,285 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: 36/49/15 Blend
34$791,000$791,000$791,000$791,000
35$877,488$835,565$823,305$904,857
36$926,257$835,773$810,151$925,333
37$978,717$834,708$795,273$943,375
38$1,035,205$832,267$778,572$962,028
39$1,096,089$828,341$759,948$981,367
40$1,161,775$822,815$739,291$1,001,475
41$1,232,708$815,565$716,489$1,022,450
42$1,309,378$806,461$691,425$1,044,400
43$1,392,323$795,366$663,976$1,067,449
44$1,482,133$782,133$634,014$1,091,737
45$1,579,460$766,607$601,402$1,117,420
46$1,685,019$748,624$566,003$1,144,678
47$1,799,594$728,010$527,667$1,173,708
48$1,924,051$704,581$486,242$1,204,737
49$2,059,341$678,142$441,568$1,238,016
50$2,206,510$648,487$393,478$1,273,830
51$2,366,710$615,399$341,795$1,312,494
52$2,541,207$578,646$286,337$1,354,367
53$2,731,395$537,985$226,915$1,399,844
54$2,938,809$493,157$163,327$1,449,372
55$3,165,135$443,890$95,367$1,503,449
56$3,412,235$389,896$22,817$1,562,630
57$3,682,152$330,870$0$1,627,535
58$3,977,140$266,491$0$1,707,596
59$4,299,678$196,419$0$1,799,308
60$4,652,496$120,295$0$1,899,916
61$5,038,601$37,739$0$2,010,416
62$5,461,302$0$0$2,131,915
63$5,924,244$0$0$2,293,491
64$6,431,443$0$0$2,492,919
65$6,987,317$0$0$2,711,601
66$7,596,737$0$0$2,951,467
67$8,265,064$0$0$3,214,643
68$8,998,204$0$0$3,503,469
69$9,802,663$0$0$3,820,526
70$10,685,606$0$0$4,168,653
71$11,654,926$0$0$4,550,980
72$12,719,318$0$0$4,970,953
73$13,888,358$0$0$5,432,370
74$15,172,598$0$0$5,939,415
75$16,583,660$0$0$6,496,697
76$18,134,350$0$0$7,109,291
77$19,838,774$0$0$7,782,794
78$21,712,473$0$0$8,523,367
79$23,772,568$0$0$9,337,800
80$26,037,924$0$0$10,233,575
81$28,529,324$0$0$11,218,933
82$31,269,666$0$0$12,302,956
83$34,284,179$0$0$13,495,650
84$37,600,660$0$0$14,808,038
85$41,249,736$0$0$16,252,270
86$45,265,153$0$0$17,841,728
87$49,684,092$0$0$19,591,159
88$54,547,523$0$0$21,516,815
89$59,900,587$0$0$23,636,599
90$65,793,023$0$0$25,970,241
91$72,279,640$0$0$28,539,480
92$79,420,827$0$0$31,368,270
93$87,283,127$0$0$34,483,006
94$95,939,866$0$0$37,912,772
95$105,471,839$0$0$41,689,619
96$115,968,075$0$0$45,848,861
97$127,526,678$0$0$50,429,413
98$140,255,749$0$0$55,474,157
99$154,274,408$0$0$61,030,344
100$169,713,915$0$0$67,150,043