Can I retire at age 35 with 798,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $798,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$65,898$65,311$64,738$64,179$63,634$62,554
2 years$32,623$32,015$31,426$30,856$30,302$29,217
3 years$21,533$20,922$20,335$19,769$19,225$18,169
4 years$15,988$15,380$14,799$14,243$13,711$12,693
5 years$12,663$12,058$11,484$10,940$10,423$9,445
6 years$10,447$9,846$9,281$8,749$8,247$7,310
7 years$8,864$8,269$7,713$7,193$6,707$5,812
8 years$7,678$7,088$6,541$6,034$5,564$4,710
9 years$6,756$6,171$5,634$5,139$4,686$3,872
10 years$6,018$5,440$4,912$4,430$3,993$3,219
11 years$5,415$4,843$4,324$3,856$3,434$2,700
12 years$4,913$4,347$3,838$3,382$2,976$2,280
13 years$4,489$3,928$3,429$2,986$2,595$1,936
14 years$4,125$3,570$3,081$2,650$2,275$1,652
15 years$3,811$3,262$2,781$2,364$2,003$1,415
16 years$3,535$2,993$2,522$2,116$1,770$1,216
17 years$3,293$2,756$2,295$1,902$1,569$1,048
18 years$3,078$2,547$2,095$1,714$1,395$905
19 years$2,885$2,360$1,918$1,548$1,244$783
20 years$2,712$2,193$1,760$1,402$1,111$679
21 years$2,556$2,043$1,619$1,273$994$590
22 years$2,414$1,907$1,492$1,157$891$513
23 years$2,285$1,784$1,378$1,054$800$446
24 years$2,166$1,671$1,274$961$719$388
25 years$2,057$1,568$1,180$878$647$339
26 years$1,957$1,474$1,094$803$583$295
27 years$1,864$1,387$1,016$735$525$258
28 years$1,779$1,307$945$673$474$225
29 years$1,699$1,233$879$617$428$197
30 years$1,624$1,165$819$567$387$172
31 years$1,555$1,101$763$520$350$150
32 years$1,490$1,042$712$478$316$131
33 years$1,429$986$665$440$286$115
34 years$1,372$935$621$405$259$101
35 years$1,318$887$581$372$235$88
36 years$1,267$842$543$343$213$77
37 years$1,220$799$509$316$193$67
38 years$1,174$760$476$291$175$59
39 years$1,132$722$446$269$159$52
40 years$1,091$687$418$248$144$45
41 years$1,053$654$392$229$130$40
42 years$1,016$623$368$211$118$35
43 years$981$594$345$195$107$30
44 years$948$566$324$180$98$27
45 years$917$540$304$166$89$23
46 years$887$515$286$153$80$20
47 years$858$491$269$142$73$18
48 years$830$469$252$131$66$16
49 years$804$448$237$121$60$14
50 years$779$428$223$112$55$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $798,000, adding $2,467 every year, while hoping to spend $21,405 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: 45/43/12 Blend
34$798,000$798,000$798,000$798,000
35$881,941$839,647$827,278$918,512
36$949,124$858,015$832,217$962,524
37$1,022,442$876,565$836,604$1,007,845
38$1,102,499$895,285$840,398$1,056,512
39$1,189,959$914,158$843,556$1,108,842
40$1,285,552$933,169$846,032$1,165,185
41$1,390,083$952,299$847,779$1,225,925
42$1,504,439$971,529$848,747$1,291,488
43$1,629,595$990,837$848,883$1,362,340
44$1,766,625$1,010,200$848,133$1,438,998
45$1,916,713$1,029,592$846,437$1,522,029
46$2,081,162$1,048,986$843,737$1,612,059
47$2,261,406$1,068,352$839,968$1,709,780
48$2,459,026$1,087,658$835,063$1,815,951
49$2,675,763$1,106,869$828,954$1,931,413
50$2,913,533$1,125,948$821,566$2,057,089
51$3,174,448$1,144,854$812,823$2,193,999
52$3,460,833$1,163,544$802,645$2,343,267
53$3,775,252$1,181,972$790,947$2,506,132
54$4,120,527$1,200,087$777,642$2,683,961
55$4,499,765$1,217,836$762,638$2,878,260
56$4,916,392$1,235,161$745,838$3,090,688
57$5,374,182$1,252,002$727,141$3,323,078
58$5,877,290$1,268,291$706,442$3,577,448
59$6,430,296$1,283,960$683,630$3,856,023
60$7,038,244$1,298,932$658,589$4,161,256
61$7,706,693$1,313,127$631,200$4,495,853
62$8,441,766$1,326,461$601,336$4,862,797
63$9,250,209$1,338,841$568,864$5,265,375
64$10,139,457$1,350,170$533,647$5,707,213
65$11,117,697$1,360,345$495,540$6,192,308
66$12,193,955$1,369,254$454,393$6,725,065
67$13,378,173$1,376,782$410,049$7,310,344
68$14,681,304$1,382,801$362,344$7,953,498
69$16,115,419$1,387,181$311,104$8,660,434
70$17,693,817$1,389,778$256,152$9,437,660
71$19,431,153$1,390,444$197,299$10,292,352
72$21,343,572$1,389,017$134,351$11,232,422
73$23,448,868$1,385,330$67,103$12,266,590
74$25,766,643$1,379,203$0$13,404,472
75$28,318,501$1,370,443$0$14,657,262
76$31,128,243$1,358,850$0$16,045,256
77$34,222,098$1,344,208$0$17,572,763
78$37,628,968$1,326,290$0$19,254,012
79$41,380,700$1,304,855$0$21,104,687
80$45,512,385$1,279,648$0$23,142,075
81$50,062,695$1,250,397$0$25,385,230
82$55,074,240$1,216,816$0$27,855,155
83$60,593,974$1,178,602$0$30,574,995
84$66,673,639$1,135,433$0$33,570,266
85$73,370,252$1,086,971$0$36,869,087
86$80,746,639$1,032,854$0$40,502,454
87$88,872,036$972,704$0$44,504,527
88$97,822,734$906,117$0$48,912,957
89$107,682,805$832,668$0$53,769,245
90$118,544,891$751,909$0$59,119,128
91$130,511,080$663,363$0$65,013,018
92$143,693,871$566,528$0$71,506,476
93$158,217,232$460,874$0$78,660,737
94$174,217,774$345,841$0$86,543,295
95$191,846,036$220,836$0$95,228,534
96$211,267,909$85,235$0$104,798,438
97$232,666,201$0$0$115,343,363
98$256,242,361$0$0$126,992,052
99$282,218,382$0$0$139,871,087
100$310,838,895$0$0$154,061,448