Can I retire at age 35 with 792,000?

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 $792,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$65,403$64,820$64,252$63,697$63,155$62,705
2 years$32,378$31,775$31,190$30,624$30,074$29,620
3 years$21,371$20,765$20,182$19,621$19,080$18,636
4 years$15,868$15,264$14,687$14,136$13,608$13,178
5 years$12,568$11,968$11,398$10,858$10,345$9,929
6 years$10,368$9,772$9,211$8,683$8,185$7,786
7 years$8,797$8,207$7,655$7,139$6,657$6,273
8 years$7,620$7,035$6,492$5,988$5,523$5,154
9 years$6,705$6,125$5,591$5,101$4,651$4,298
10 years$5,973$5,399$4,875$4,397$3,963$3,625
11 years$5,375$4,806$4,292$3,827$3,408$3,086
12 years$4,876$4,314$3,809$3,357$2,953$2,646
13 years$4,455$3,899$3,403$2,963$2,575$2,283
14 years$4,094$3,544$3,057$2,630$2,258$1,979
15 years$3,782$3,237$2,760$2,346$1,988$1,723
16 years$3,509$2,970$2,503$2,101$1,757$1,506
17 years$3,268$2,735$2,277$1,887$1,558$1,320
18 years$3,054$2,528$2,079$1,701$1,385$1,159
19 years$2,863$2,343$1,903$1,537$1,234$1,021
20 years$2,692$2,177$1,747$1,392$1,103$901
21 years$2,537$2,028$1,607$1,263$987$796
22 years$2,396$1,893$1,481$1,149$884$705
23 years$2,267$1,770$1,367$1,046$794$625
24 years$2,150$1,659$1,264$954$714$554
25 years$2,042$1,556$1,171$871$642$492
26 years$1,942$1,463$1,086$797$578$438
27 years$1,850$1,377$1,009$729$522$390
28 years$1,765$1,297$938$668$471$347
29 years$1,686$1,224$873$613$425$309
30 years$1,612$1,156$813$562$384$275
31 years$1,543$1,093$758$516$347$246
32 years$1,479$1,034$707$475$314$219
33 years$1,418$979$660$436$284$196
34 years$1,362$928$617$402$257$175
35 years$1,308$880$577$370$233$156
36 years$1,258$835$539$340$211$139
37 years$1,210$793$505$314$191$124
38 years$1,166$754$473$289$173$111
39 years$1,123$717$443$267$157$99
40 years$1,083$682$415$246$143$89
41 years$1,045$649$389$227$129$79
42 years$1,008$618$365$209$117$71
43 years$974$589$343$193$107$64
44 years$941$562$322$178$97$57
45 years$910$536$302$165$88$51
46 years$880$511$284$152$80$45
47 years$851$488$266$141$72$41
48 years$824$465$250$130$66$36
49 years$798$444$235$120$60$33
50 years$773$425$221$111$54$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $792,000, adding $6,514 every year, while hoping to spend $20,505 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: 77/12/11 Blend
34$792,000$792,000$792,000$792,000
35$879,503$837,527$825,251$944,948
36$947,395$856,749$831,080$1,008,154
37$1,021,525$876,225$836,417$1,074,175
38$1,102,508$895,947$841,223$1,145,983
39$1,191,019$915,904$845,460$1,224,147
40$1,287,804$936,084$849,084$1,309,292
41$1,393,683$956,476$852,052$1,402,107
42$1,509,560$977,064$854,316$1,503,353
43$1,636,428$997,833$855,828$1,613,865
44$1,775,382$1,018,766$856,538$1,734,564
45$1,927,630$1,039,843$856,390$1,866,466
46$2,094,498$1,061,045$855,329$2,010,689
47$2,277,449$1,082,349$853,295$2,168,463
48$2,478,095$1,103,730$850,226$2,341,147
49$2,698,209$1,125,162$846,058$2,530,235
50$2,939,747$1,146,615$840,721$2,737,373
51$3,204,860$1,168,059$834,145$2,964,378
52$3,495,921$1,189,459$826,254$3,213,248
53$3,815,542$1,210,779$816,970$3,486,186
54$4,166,599$1,231,979$806,210$3,785,621
55$4,552,263$1,253,017$793,889$4,114,225
56$4,976,026$1,273,847$779,916$4,474,948
57$5,441,735$1,294,419$764,198$4,871,036
58$5,953,628$1,314,682$746,634$5,306,067
59$6,516,374$1,334,578$727,123$5,783,986
60$7,135,118$1,354,046$705,555$6,309,138
61$7,815,527$1,373,021$681,819$6,886,310
62$8,563,846$1,391,434$655,795$7,520,779
63$9,386,954$1,409,210$627,359$8,218,359
64$10,292,431$1,426,270$596,384$8,985,459
65$11,288,629$1,442,527$562,733$9,829,138
66$12,384,750$1,457,892$526,265$10,757,178
67$13,590,933$1,472,267$486,834$11,778,153
68$14,918,349$1,485,549$444,284$12,901,511
69$16,379,308$1,497,627$398,454$14,137,666
70$17,987,372$1,508,385$349,176$15,498,094
71$19,757,485$1,517,698$296,275$16,995,438
72$21,706,115$1,525,432$239,568$18,643,634
73$23,851,407$1,531,446$178,861$20,458,041
74$26,213,353$1,535,590$113,956$22,455,580
75$28,813,985$1,537,703$44,643$24,654,903
76$31,677,577$1,537,617$0$27,076,562
77$34,830,880$1,535,150$0$29,746,649
78$38,303,368$1,530,111$0$32,692,497
79$42,127,522$1,522,296$0$35,936,397
80$46,339,132$1,511,492$0$39,508,690
81$50,977,637$1,497,467$0$43,442,812
82$56,086,493$1,479,981$0$47,775,609
83$61,713,591$1,458,776$0$52,547,684
84$67,911,701$1,433,579$0$57,803,781
85$74,738,973$1,404,103$0$63,593,205
86$82,259,485$1,370,041$0$69,970,293
87$90,543,849$1,331,069$0$76,994,918
88$99,669,876$1,286,846$0$84,733,065
89$109,723,310$1,237,008$0$93,257,444
90$120,798,638$1,181,173$0$102,648,184
91$132,999,982$1,118,933$0$112,993,583
92$146,442,079$1,049,859$0$124,390,949
93$161,251,367$973,498$0$136,947,510
94$177,567,177$889,370$0$150,781,434
95$195,543,046$796,967$0$166,022,940
96$215,348,171$695,752$0$182,815,530
97$237,169,000$585,159$0$201,317,342
98$261,210,996$464,590$0$221,702,644
99$287,700,575$333,412$0$244,163,478
100$316,887,241$190,957$0$268,911,476