Can I retire at age 35 with 799,000?

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 $799,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$65,981$65,393$64,820$64,260$63,713$62,917
2 years$32,664$32,055$31,466$30,894$30,340$29,539
3 years$21,559$20,949$20,360$19,794$19,249$18,468
4 years$16,008$15,399$14,817$14,261$13,728$12,973
5 years$12,679$12,073$11,499$10,954$10,436$9,709
6 years$10,460$9,859$9,293$8,760$8,258$7,560
7 years$8,875$8,279$7,722$7,202$6,716$6,047
8 years$7,687$7,097$6,549$6,041$5,571$4,932
9 years$6,764$6,179$5,641$5,146$4,692$4,081
10 years$6,026$5,447$4,918$4,436$3,998$3,416
11 years$5,422$4,849$4,329$3,860$3,438$2,884
12 years$4,919$4,352$3,842$3,386$2,979$2,453
13 years$4,494$3,933$3,433$2,989$2,598$2,098
14 years$4,131$3,575$3,084$2,654$2,278$1,804
15 years$3,815$3,266$2,785$2,367$2,005$1,557
16 years$3,540$2,996$2,525$2,119$1,772$1,348
17 years$3,297$2,759$2,298$1,904$1,571$1,171
18 years$3,081$2,550$2,097$1,716$1,397$1,019
19 years$2,889$2,363$1,920$1,550$1,245$889
20 years$2,716$2,196$1,762$1,404$1,112$777
21 years$2,559$2,045$1,621$1,274$995$680
22 years$2,417$1,909$1,494$1,159$892$596
23 years$2,287$1,786$1,379$1,055$801$523
24 years$2,169$1,673$1,276$962$720$460
25 years$2,060$1,570$1,181$879$648$404
26 years$1,960$1,476$1,096$804$584$356
27 years$1,867$1,389$1,017$736$526$313
28 years$1,781$1,309$946$674$475$276
29 years$1,701$1,235$880$618$429$243
30 years$1,626$1,166$820$567$387$215
31 years$1,557$1,102$764$521$350$189
32 years$1,492$1,043$713$479$317$167
33 years$1,431$988$666$440$287$148
34 years$1,374$936$622$405$260$130
35 years$1,320$888$582$373$235$115
36 years$1,269$843$544$343$213$102
37 years$1,221$800$509$316$193$90
38 years$1,176$761$477$292$175$79
39 years$1,133$723$447$269$159$70
40 years$1,092$688$419$248$144$62
41 years$1,054$655$393$229$131$55
42 years$1,017$624$368$211$119$49
43 years$982$594$346$195$108$43
44 years$949$567$324$180$98$38
45 years$918$540$305$166$89$34
46 years$888$515$286$154$80$30
47 years$859$492$269$142$73$26
48 years$831$470$253$131$66$23
49 years$805$448$237$121$60$21
50 years$780$428$223$112$55$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $799,000, adding $3,058 every year, while hoping to spend $21,038 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: 59/29/12 Blend
34$799,000$799,000$799,000$799,000
35$883,652$841,305$828,921$933,022
36$951,401$860,145$834,305$985,472
37$1,025,354$879,203$839,165$1,040,011
38$1,106,124$898,467$843,461$1,098,975
39$1,194,381$917,925$847,150$1,162,795
40$1,290,867$937,563$850,188$1,231,939
41$1,396,397$957,364$852,531$1,306,929
42$1,511,867$977,313$854,128$1,388,337
43$1,638,266$997,389$854,930$1,476,792
44$1,776,681$1,017,573$854,882$1,572,990
45$1,928,311$1,037,843$853,929$1,677,696
46$2,094,475$1,058,174$852,012$1,791,753
47$2,276,626$1,078,539$849,070$1,916,090
48$2,476,366$1,098,911$845,037$2,051,731
49$2,695,455$1,119,258$839,845$2,199,805
50$2,935,836$1,139,546$833,425$2,361,554
51$3,199,648$1,159,740$825,701$2,538,350
52$3,489,246$1,179,801$816,596$2,731,702
53$3,807,224$1,199,687$806,027$2,943,275
54$4,156,442$1,219,353$793,910$3,174,903
55$4,540,048$1,238,750$780,155$3,428,607
56$4,961,510$1,257,826$764,668$3,706,616
57$5,424,651$1,276,526$747,350$4,011,384
58$5,933,679$1,294,790$728,101$4,345,619
59$6,493,233$1,312,553$706,811$4,712,303
60$7,108,423$1,329,748$683,369$5,114,723
61$7,784,878$1,346,302$657,658$5,556,504
62$8,528,801$1,362,135$629,554$6,041,639
63$9,347,024$1,377,166$598,930$6,574,530
64$10,247,077$1,391,303$565,651$7,160,027
65$11,237,255$1,404,453$529,576$7,803,479
66$12,326,698$1,416,514$490,560$8,510,780
67$13,525,476$1,427,379$448,449$9,288,424
68$14,844,685$1,436,931$403,083$10,143,572
69$16,296,552$1,445,050$354,295$11,084,114
70$17,894,547$1,451,604$301,910$12,118,750
71$19,653,513$1,456,455$245,746$13,257,063
72$21,589,806$1,459,456$185,614$14,509,621
73$23,721,447$1,460,450$121,313$15,888,069
74$26,068,295$1,459,272$52,637$17,405,241
75$28,652,230$1,455,745$0$19,075,283
76$31,497,362$1,449,682$0$20,916,433
77$34,630,260$1,440,883$0$22,950,593
78$38,080,199$1,429,139$0$25,189,987
79$41,879,438$1,414,225$0$27,655,520
80$46,063,524$1,395,905$0$30,370,234
81$50,671,626$1,373,928$0$33,359,518
82$55,746,908$1,348,026$0$36,651,356
83$61,336,932$1,317,919$0$40,276,585
84$67,494,109$1,283,307$0$44,269,191
85$74,276,194$1,243,875$0$48,666,629
86$81,746,829$1,199,288$0$53,510,175
87$89,976,145$1,149,192$0$58,845,320
88$99,041,421$1,093,212$0$64,722,195
89$109,027,818$1,030,952$0$71,196,050
90$120,029,179$961,992$0$78,327,770
91$132,148,916$885,890$0$86,184,458
92$145,500,984$802,177$0$94,840,062
93$160,210,958$710,357$0$104,376,078
94$176,417,219$609,908$0$114,882,319
95$194,272,258$500,277$0$126,457,763
96$213,944,116$380,878$0$139,211,489
97$235,617,971$251,096$0$153,263,708
98$259,497,883$110,279$0$168,746,898
99$285,808,723$0$0$185,807,055
100$314,798,293$0$0$204,618,561