Can I retire at age 35 with 799,000?

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 $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%15.9%
1 years$65,981$65,393$64,820$64,260$63,713$62,173
2 years$32,664$32,055$31,466$30,894$30,340$28,797
3 years$21,559$20,949$20,360$19,794$19,249$17,752
4 years$16,008$15,399$14,817$14,261$13,728$12,289
5 years$12,679$12,073$11,499$10,954$10,436$9,058
6 years$10,460$9,859$9,293$8,760$8,258$6,943
7 years$8,875$8,279$7,722$7,202$6,716$5,464
8 years$7,687$7,097$6,549$6,041$5,571$4,382
9 years$6,764$6,179$5,641$5,146$4,692$3,564
10 years$6,026$5,447$4,918$4,436$3,998$2,930
11 years$5,422$4,849$4,329$3,860$3,438$2,430
12 years$4,919$4,352$3,842$3,386$2,979$2,028
13 years$4,494$3,933$3,433$2,989$2,598$1,702
14 years$4,131$3,575$3,084$2,654$2,278$1,434
15 years$3,815$3,266$2,785$2,367$2,005$1,213
16 years$3,540$2,996$2,525$2,119$1,772$1,030
17 years$3,297$2,759$2,298$1,904$1,571$876
18 years$3,081$2,550$2,097$1,716$1,397$747
19 years$2,889$2,363$1,920$1,550$1,245$638
20 years$2,716$2,196$1,762$1,404$1,112$545
21 years$2,559$2,045$1,621$1,274$995$467
22 years$2,417$1,909$1,494$1,159$892$400
23 years$2,287$1,786$1,379$1,055$801$343
24 years$2,169$1,673$1,276$962$720$295
25 years$2,060$1,570$1,181$879$648$253
26 years$1,960$1,476$1,096$804$584$218
27 years$1,867$1,389$1,017$736$526$187
28 years$1,781$1,309$946$674$475$161
29 years$1,701$1,235$880$618$429$139
30 years$1,626$1,166$820$567$387$120
31 years$1,557$1,102$764$521$350$103
32 years$1,492$1,043$713$479$317$89
33 years$1,431$988$666$440$287$76
34 years$1,374$936$622$405$260$66
35 years$1,320$888$582$373$235$57
36 years$1,269$843$544$343$213$49
37 years$1,221$800$509$316$193$42
38 years$1,176$761$477$292$175$36
39 years$1,133$723$447$269$159$31
40 years$1,092$688$419$248$144$27
41 years$1,054$655$393$229$131$23
42 years$1,017$624$368$211$119$20
43 years$982$594$346$195$108$17
44 years$949$567$324$180$98$15
45 years$918$540$305$166$89$13
46 years$888$515$286$154$80$11
47 years$859$492$269$142$73$10
48 years$831$470$253$131$66$8
49 years$805$448$237$121$60$7
50 years$780$428$223$112$55$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $799,000, adding $2,841 every year, while hoping to spend $22,598 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: 66/17/17 Blend
34$799,000$799,000$799,000$799,000
35$883,428$841,081$828,697$937,885
36$949,494$858,250$832,414$991,845
37$1,021,541$875,503$835,499$1,047,926
38$1,100,155$892,820$837,905$1,108,678
39$1,185,983$910,180$839,586$1,174,559
40$1,279,733$927,559$840,493$1,246,072
41$1,382,189$944,932$840,572$1,323,771
42$1,494,210$962,272$839,769$1,408,270
43$1,616,746$979,549$838,028$1,500,242
44$1,750,839$996,732$835,287$1,600,430
45$1,897,639$1,013,786$831,483$1,709,652
46$2,058,411$1,030,675$826,551$1,828,811
47$2,234,549$1,047,358$820,420$1,958,902
48$2,427,588$1,063,794$813,020$2,101,021
49$2,639,218$1,079,936$804,272$2,256,375
50$2,871,301$1,095,735$794,097$2,426,295
51$3,125,887$1,111,139$782,413$2,612,250
52$3,405,235$1,126,093$769,131$2,815,856
53$3,711,832$1,140,534$754,161$3,038,897
54$4,048,419$1,154,401$737,405$3,283,337
55$4,418,014$1,167,623$718,765$3,551,341
56$4,823,943$1,180,128$698,134$3,845,298
57$5,269,868$1,191,837$675,405$4,167,837
58$5,759,825$1,202,667$650,461$4,521,860
59$6,298,258$1,212,529$623,183$4,910,561
60$6,890,067$1,221,329$593,446$5,337,466
61$7,540,645$1,228,966$561,118$5,806,456
62$8,255,938$1,235,333$526,063$6,321,813
63$9,042,495$1,240,315$488,137$6,888,255
64$9,907,530$1,243,791$447,190$7,510,980
65$10,858,995$1,245,633$403,067$8,195,722
66$11,905,646$1,245,703$355,604$8,948,798
67$13,057,136$1,243,857$304,631$9,777,171
68$14,324,097$1,239,939$249,969$10,688,516
69$15,718,245$1,233,786$191,433$11,691,291
70$17,252,488$1,225,223$128,828$12,794,822
71$18,941,049$1,214,067$61,951$14,009,384
72$20,799,602$1,200,122$0$15,346,305
73$22,845,413$1,183,180$0$16,819,776
74$25,097,512$1,163,022$0$18,453,952
75$27,576,863$1,139,415$0$20,252,791
76$30,306,569$1,112,112$0$22,233,053
77$33,312,086$1,080,853$0$24,413,204
78$36,621,465$1,045,361$0$26,813,598
79$40,265,615$1,005,344$0$29,456,661
80$44,278,594$960,491$0$32,367,111
81$48,697,931$910,477$0$35,572,185
82$53,564,984$854,954$0$39,101,900
83$58,925,321$793,555$0$42,989,334
84$64,829,159$725,895$0$47,270,940
85$71,331,833$651,563$0$51,986,893
86$78,494,317$570,127$0$57,181,461
87$86,383,804$481,129$0$62,903,435
88$95,074,334$384,088$0$69,206,579
89$104,647,500$278,492$0$76,150,145
90$115,193,210$163,802$0$83,799,428
91$126,810,539$39,450$0$92,226,386
92$139,608,666$0$0$101,510,321
93$153,707,900$0$0$111,756,423
94$169,240,820$0$0$123,052,617
95$186,353,521$0$0$135,497,779
96$205,206,997$0$0$149,209,001
97$225,978,658$0$0$164,315,318
98$248,864,006$0$0$180,958,920
99$274,078,478$0$0$199,296,497
100$301,859,483$0$0$219,500,720