Can I retire at age 35 with 793,000?

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 $793,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$65,485$64,902$64,333$63,777$63,235$62,341
2 years$32,418$31,815$31,230$30,662$30,112$29,213
3 years$21,398$20,791$20,208$19,646$19,104$18,229
4 years$15,888$15,284$14,706$14,154$13,625$12,780
5 years$12,584$11,983$11,412$10,871$10,358$9,544
6 years$10,381$9,785$9,223$8,694$8,196$7,415
7 years$8,809$8,217$7,664$7,148$6,665$5,918
8 years$7,630$7,044$6,500$5,996$5,530$4,816
9 years$6,713$6,133$5,598$5,107$4,657$3,976
10 years$5,981$5,406$4,881$4,403$3,968$3,319
11 years$5,381$4,812$4,297$3,832$3,412$2,796
12 years$4,883$4,319$3,813$3,361$2,957$2,372
13 years$4,461$3,903$3,407$2,967$2,579$2,024
14 years$4,100$3,548$3,061$2,634$2,260$1,735
15 years$3,787$3,241$2,764$2,349$1,990$1,493
16 years$3,513$2,974$2,506$2,103$1,759$1,289
17 years$3,272$2,739$2,280$1,890$1,560$1,117
18 years$3,058$2,531$2,082$1,703$1,387$969
19 years$2,867$2,345$1,906$1,539$1,236$843
20 years$2,695$2,180$1,749$1,394$1,104$735
21 years$2,540$2,030$1,609$1,265$988$641
22 years$2,399$1,895$1,483$1,150$886$561
23 years$2,270$1,772$1,369$1,047$795$490
24 years$2,153$1,661$1,266$955$715$429
25 years$2,044$1,558$1,173$872$643$376
26 years$1,945$1,465$1,088$798$579$330
27 years$1,853$1,378$1,010$730$522$290
28 years$1,767$1,299$939$669$471$255
29 years$1,688$1,225$874$613$425$224
30 years$1,614$1,157$814$563$384$197
31 years$1,545$1,094$759$517$348$173
32 years$1,481$1,035$708$475$314$152
33 years$1,420$980$661$437$285$134
34 years$1,363$929$617$402$258$118
35 years$1,310$881$577$370$233$104
36 years$1,259$836$540$341$211$91
37 years$1,212$794$505$314$192$80
38 years$1,167$755$473$289$174$71
39 years$1,124$718$443$267$158$62
40 years$1,084$683$416$246$143$55
41 years$1,046$650$390$227$130$48
42 years$1,010$619$366$210$118$43
43 years$975$590$343$194$107$38
44 years$942$562$322$179$97$33
45 years$911$536$302$165$88$29
46 years$881$512$284$152$80$26
47 years$852$488$267$141$73$23
48 years$825$466$251$130$66$20
49 years$799$445$236$120$60$18
50 years$774$425$222$111$54$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $793,000, adding $5,920 every year, while hoping to spend $37,180 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: 31/47/22 Blend
34$793,000$793,000$793,000$793,000
35$879,992$837,963$825,672$901,118
36$930,192$839,464$813,773$919,134
37$984,267$839,793$800,229$934,767
38$1,042,571$838,852$784,946$950,826
39$1,105,497$836,539$767,825$967,372
40$1,173,473$832,745$748,763$984,474
41$1,246,973$827,355$727,651$1,002,213
42$1,326,514$820,245$704,378$1,020,679
43$1,412,667$811,286$678,823$1,039,976
44$1,506,060$800,340$650,865$1,060,223
45$1,607,382$787,261$620,372$1,081,554
46$1,717,391$771,893$587,211$1,104,121
47$1,836,923$754,073$551,240$1,128,096
48$1,966,893$733,627$512,311$1,153,674
49$2,108,313$710,371$470,270$1,181,073
50$2,262,292$684,110$424,955$1,210,541
51$2,430,054$654,640$376,199$1,242,355
52$2,612,943$621,741$323,825$1,276,828
53$2,812,440$585,183$267,650$1,314,311
54$3,030,174$544,722$207,482$1,355,195
55$3,267,940$500,102$143,121$1,399,923
56$3,527,711$451,048$74,357$1,448,986
57$3,811,662$397,274$972$1,502,935
58$4,122,186$338,475$0$1,562,387
59$4,461,918$274,329$0$1,646,184
60$4,833,760$204,497$0$1,738,363
61$5,240,906$128,620$0$1,839,609
62$5,686,876$46,320$0$1,950,937
63$6,175,543$0$0$2,073,473
64$6,711,176$0$0$2,230,605
65$7,298,473$0$0$2,429,282
66$7,942,612$0$0$2,647,316
67$8,649,293$0$0$2,886,652
68$9,424,797$0$0$3,149,434
69$10,276,040$0$0$3,438,022
70$11,210,643$0$0$3,755,018
71$12,236,997$0$0$4,103,287
72$13,364,351$0$0$4,485,984
73$14,602,888$0$0$4,906,587
74$15,963,831$0$0$5,368,928
75$17,459,540$0$0$5,877,226
76$19,103,635$0$0$6,436,132
77$20,911,119$0$0$7,050,768
78$22,898,522$0$0$7,726,778
79$25,084,056$0$0$8,470,382
80$27,487,786$0$0$9,288,431
81$30,131,819$0$0$10,188,475
82$33,040,512$0$0$11,178,830
83$36,240,702$0$0$12,268,662
84$39,761,958$0$0$13,468,069
85$43,636,860$0$0$14,788,177
86$47,901,306$0$0$16,241,248
87$52,594,851$0$0$17,840,788
88$57,761,078$0$0$19,601,685
89$63,448,008$0$0$21,540,338
90$69,708,557$0$0$23,674,822
91$76,601,031$0$0$26,025,050
92$84,189,676$0$0$28,612,966
93$92,545,287$0$0$31,462,750
94$101,745,870$0$0$34,601,048
95$111,877,383$0$0$38,057,218
96$123,034,544$0$0$41,863,614
97$135,321,724$0$0$46,055,885
98$148,853,932$0$0$50,673,317
99$163,757,901$0$0$55,759,199
100$180,173,282$0$0$61,361,233