Can I retire at age 35 with 797,000?

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 $797,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$65,816$65,229$64,657$64,099$63,554$61,867
2 years$32,582$31,975$31,387$30,817$30,264$28,576
3 years$21,506$20,896$20,309$19,745$19,201$17,565
4 years$15,968$15,361$14,780$14,225$13,694$12,123
5 years$12,647$12,043$11,470$10,926$10,410$8,908
6 years$10,433$9,834$9,269$8,738$8,237$6,805
7 years$8,853$8,259$7,703$7,184$6,699$5,337
8 years$7,668$7,079$6,533$6,026$5,557$4,265
9 years$6,747$6,164$5,627$5,133$4,680$3,457
10 years$6,011$5,433$4,905$4,425$3,988$2,831
11 years$5,409$4,837$4,319$3,851$3,430$2,339
12 years$4,907$4,341$3,833$3,378$2,972$1,944
13 years$4,483$3,923$3,424$2,982$2,592$1,625
14 years$4,120$3,566$3,077$2,647$2,272$1,364
15 years$3,806$3,258$2,778$2,361$2,000$1,149
16 years$3,531$2,989$2,519$2,114$1,768$971
17 years$3,289$2,753$2,292$1,899$1,568$822
18 years$3,074$2,544$2,092$1,712$1,394$698
19 years$2,882$2,357$1,915$1,547$1,242$593
20 years$2,709$2,191$1,758$1,401$1,110$505
21 years$2,553$2,040$1,617$1,271$993$431
22 years$2,411$1,905$1,490$1,156$890$367
23 years$2,282$1,781$1,376$1,053$799$314
24 years$2,163$1,669$1,272$960$718$268
25 years$2,055$1,566$1,178$877$646$229
26 years$1,955$1,472$1,093$802$582$196
27 years$1,862$1,385$1,015$734$525$168
28 years$1,776$1,305$944$672$474$144
29 years$1,697$1,232$878$617$428$123
30 years$1,622$1,163$818$566$386$106
31 years$1,553$1,099$762$520$349$91
32 years$1,488$1,040$711$478$316$78
33 years$1,427$985$664$439$286$67
34 years$1,370$934$621$404$259$57
35 years$1,316$886$580$372$234$49
36 years$1,266$841$543$343$212$42
37 years$1,218$798$508$316$193$36
38 years$1,173$759$476$291$175$31
39 years$1,130$721$446$268$158$27
40 years$1,090$686$418$247$144$23
41 years$1,051$653$392$228$130$20
42 years$1,015$622$367$211$118$17
43 years$980$593$345$194$107$14
44 years$947$565$324$180$97$12
45 years$915$539$304$166$88$11
46 years$885$514$285$153$80$9
47 years$857$491$268$142$73$8
48 years$829$468$252$131$66$7
49 years$803$447$237$121$60$6
50 years$778$427$223$112$55$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $797,000, adding $5,323 every year, while hoping to spend $23,500 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: 50/27/23 Blend
34$797,000$797,000$797,000$797,000
35$883,785$841,544$829,190$922,023
36$948,927$857,775$831,964$965,367
37$1,019,926$874,015$834,044$1,009,638
38$1,097,355$890,238$835,380$1,057,272
39$1,181,843$906,418$835,924$1,108,597
40$1,274,085$922,526$835,621$1,163,975
41$1,374,843$938,532$834,416$1,223,804
42$1,484,959$954,402$832,251$1,288,525
43$1,605,359$970,101$829,065$1,358,622
44$1,737,061$985,591$824,794$1,434,632
45$1,881,186$1,000,831$819,370$1,517,145
46$2,038,972$1,015,776$812,723$1,606,813
47$2,211,777$1,030,379$804,780$1,704,354
48$2,401,101$1,044,590$795,463$1,810,561
49$2,608,593$1,058,355$784,690$1,926,309
50$2,836,071$1,071,616$772,379$2,052,563
51$3,085,535$1,084,310$758,438$2,190,388
52$3,359,191$1,096,372$742,777$2,340,956
53$3,659,465$1,107,732$725,298$2,505,562
54$3,989,034$1,118,313$705,898$2,685,636
55$4,350,842$1,128,037$684,472$2,882,752
56$4,748,134$1,136,818$660,908$3,098,649
57$5,184,486$1,144,564$635,091$3,335,241
58$5,663,835$1,151,179$606,898$3,594,643
59$6,190,519$1,156,560$576,202$3,879,185
60$6,769,318$1,160,597$542,871$4,191,439
61$7,405,496$1,163,174$506,765$4,534,240
62$8,104,854$1,164,167$467,739$4,910,714
63$8,873,783$1,163,445$425,642$5,324,310
64$9,719,323$1,160,868$380,315$5,778,829
65$10,649,231$1,156,287$331,592$6,278,464
66$11,672,053$1,149,546$279,301$6,827,839
67$12,797,207$1,140,478$223,262$7,432,053
68$14,035,065$1,128,905$163,285$8,096,727
69$15,397,061$1,114,640$99,174$8,828,060
70$16,895,788$1,097,485$30,723$9,632,886
71$18,545,125$1,077,228$0$10,518,742
72$20,360,362$1,053,646$0$11,504,325
73$22,358,348$1,026,504$0$12,597,128
74$24,557,647$995,550$0$13,799,764
75$26,978,715$960,520$0$15,123,426
76$29,644,091$921,133$0$16,580,456
77$32,578,613$877,093$0$18,184,453
78$35,809,648$828,087$0$19,950,407
79$39,367,350$773,781$0$21,894,839
80$43,284,949$713,825$0$24,035,960
81$47,599,060$647,849$0$26,393,837
82$52,350,030$575,460$0$28,990,592
83$57,582,320$496,244$0$31,850,603
84$63,344,919$409,763$0$35,000,740
85$69,691,813$315,553$0$38,470,618
86$76,682,491$213,128$0$42,292,874
87$84,382,504$101,970$0$46,503,483
88$92,864,087$0$0$51,142,090
89$102,206,842$0$0$56,257,877
90$112,498,482$0$0$61,926,741
91$123,835,665$0$0$68,171,641
92$136,324,904$0$0$75,051,265
93$150,083,573$0$0$82,630,283
94$165,241,012$0$0$90,979,961
95$181,939,751$0$0$100,178,829
96$200,336,853$0$0$110,313,428
97$220,605,394$0$0$121,479,120
98$242,936,104$0$0$133,780,996
99$267,539,159$0$0$147,334,860
100$294,646,167$0$0$162,268,327