Can I retire at age 35 with 794,000?

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 $794,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$65,568$64,984$64,414$63,858$63,315$62,575
2 years$32,459$31,855$31,269$30,701$30,150$29,406
3 years$21,425$20,817$20,233$19,670$19,128$18,402
4 years$15,908$15,303$14,724$14,171$13,642$12,940
5 years$12,599$11,998$11,427$10,885$10,371$9,695
6 years$10,394$9,797$9,235$8,705$8,206$7,557
7 years$8,820$8,228$7,674$7,157$6,674$6,051
8 years$7,639$7,053$6,508$6,004$5,536$4,941
9 years$6,722$6,141$5,605$5,114$4,663$4,094
10 years$5,988$5,413$4,887$4,408$3,973$3,430
11 years$5,388$4,818$4,302$3,836$3,417$2,900
12 years$4,889$4,325$3,818$3,365$2,961$2,470
13 years$4,466$3,908$3,411$2,971$2,582$2,115
14 years$4,105$3,553$3,065$2,637$2,263$1,821
15 years$3,791$3,245$2,767$2,352$1,993$1,574
16 years$3,518$2,978$2,509$2,106$1,761$1,365
17 years$3,276$2,742$2,283$1,892$1,562$1,187
18 years$3,062$2,534$2,084$1,705$1,389$1,035
19 years$2,871$2,348$1,908$1,541$1,238$904
20 years$2,699$2,182$1,751$1,395$1,105$791
21 years$2,543$2,033$1,611$1,266$989$694
22 years$2,402$1,897$1,484$1,151$887$609
23 years$2,273$1,775$1,371$1,049$796$535
24 years$2,155$1,663$1,268$956$715$471
25 years$2,047$1,560$1,174$873$644$415
26 years$1,947$1,467$1,089$799$580$366
27 years$1,855$1,380$1,011$731$523$322
28 years$1,770$1,301$940$670$472$285
29 years$1,690$1,227$875$614$426$251
30 years$1,616$1,159$815$564$385$222
31 years$1,547$1,095$760$518$348$196
32 years$1,483$1,036$709$476$315$173
33 years$1,422$981$662$438$285$153
34 years$1,365$930$618$403$258$136
35 years$1,312$882$578$371$234$120
36 years$1,261$837$541$341$212$106
37 years$1,213$795$506$314$192$94
38 years$1,168$756$474$290$174$83
39 years$1,126$719$444$267$158$74
40 years$1,086$684$416$247$143$65
41 years$1,047$651$390$227$130$58
42 years$1,011$620$366$210$118$51
43 years$976$591$344$194$107$45
44 years$943$563$322$179$97$40
45 years$912$537$303$165$88$36
46 years$882$512$284$153$80$32
47 years$854$489$267$141$73$28
48 years$826$467$251$130$66$25
49 years$800$446$236$120$60$22
50 years$775$426$222$111$54$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $794,000, adding $6,859 every year, while hoping to spend $38,226 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: 29/46/25 Blend
34$794,000$794,000$794,000$794,000
35$882,063$839,981$827,674$900,636
36$931,361$840,468$814,729$916,170
37$984,407$839,698$800,069$929,040
38$1,041,541$837,568$783,596$942,095
39$1,103,141$833,971$765,209$955,377
40$1,169,617$828,791$744,799$968,934
41$1,241,423$821,907$722,256$982,823
42$1,319,058$813,190$697,461$997,111
43$1,403,068$802,503$670,292$1,011,876
44$1,494,055$789,700$640,621$1,027,206
45$1,592,681$774,627$608,314$1,043,204
46$1,699,674$757,123$573,231$1,059,988
47$1,815,832$737,014$535,226$1,077,692
48$1,942,037$714,117$494,146$1,096,471
49$2,079,255$688,240$449,831$1,116,499
50$2,228,553$659,177$402,114$1,137,974
51$2,391,101$626,712$350,820$1,161,123
52$2,568,189$590,617$295,768$1,186,198
53$2,761,235$550,648$236,768$1,213,489
54$2,971,802$506,551$173,620$1,243,318
55$3,201,607$458,053$106,118$1,276,052
56$3,452,543$404,870$34,045$1,312,101
57$3,726,692$346,698$0$1,351,927
58$4,026,347$283,219$0$1,407,482
59$4,354,033$214,095$0$1,478,346
60$4,712,527$138,968$0$1,556,145
61$5,104,891$57,464$0$1,641,674
62$5,534,495$0$0$1,735,818
63$6,005,048$0$0$1,855,157
64$6,520,638$0$0$2,017,916
65$7,085,765$0$0$2,196,442
66$7,705,385$0$0$2,392,317
67$8,384,959$0$0$2,607,285
68$9,130,498$0$0$2,843,264
69$9,948,625$0$0$3,102,370
70$10,846,636$0$0$3,386,930
71$11,832,567$0$0$3,699,512
72$12,915,270$0$0$4,042,940
73$14,104,495$0$0$4,420,331
74$15,410,985$0$0$4,835,112
75$16,846,573$0$0$5,291,065
76$18,424,298$0$0$5,792,352
77$20,158,520$0$0$6,343,561
78$22,065,064$0$0$6,949,745
79$24,161,362$0$0$7,616,473
80$26,466,620$0$0$8,349,880
81$29,002,001$0$0$9,156,724
82$31,790,817$0$0$10,044,454
83$34,858,757$0$0$11,021,276
84$38,234,123$0$0$12,096,231
85$41,948,099$0$0$13,279,280
86$46,035,044$0$0$14,581,402
87$50,532,818$0$0$16,014,690
88$55,483,134$0$0$17,592,473
89$60,931,955$0$0$19,329,434
90$66,929,926$0$0$21,241,755
91$73,532,852$0$0$23,347,265
92$80,802,223$0$0$25,665,611
93$88,805,794$0$0$28,218,442
94$97,618,225$0$0$31,029,612
95$107,321,781$0$0$34,125,407
96$118,007,115$0$0$37,534,792
97$129,774,116$0$0$41,289,686
98$142,732,855$0$0$45,425,259
99$157,004,622$0$0$49,980,267
100$172,723,068$0$0$54,997,417