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%17.2%
1 years$65,981$65,393$64,820$64,260$63,713$61,847
2 years$32,664$32,055$31,466$30,894$30,340$28,475
3 years$21,559$20,949$20,360$19,794$19,249$17,443
4 years$16,008$15,399$14,817$14,261$13,728$11,997
5 years$12,679$12,073$11,499$10,954$10,436$8,782
6 years$10,460$9,859$9,293$8,760$8,258$6,684
7 years$8,875$8,279$7,722$7,202$6,716$5,221
8 years$7,687$7,097$6,549$6,041$5,571$4,156
9 years$6,764$6,179$5,641$5,146$4,692$3,354
10 years$6,026$5,447$4,918$4,436$3,998$2,735
11 years$5,422$4,849$4,329$3,860$3,438$2,249
12 years$4,919$4,352$3,842$3,386$2,979$1,861
13 years$4,494$3,933$3,433$2,989$2,598$1,548
14 years$4,131$3,575$3,084$2,654$2,278$1,293
15 years$3,815$3,266$2,785$2,367$2,005$1,084
16 years$3,540$2,996$2,525$2,119$1,772$911
17 years$3,297$2,759$2,298$1,904$1,571$768
18 years$3,081$2,550$2,097$1,716$1,397$648
19 years$2,889$2,363$1,920$1,550$1,245$548
20 years$2,716$2,196$1,762$1,404$1,112$464
21 years$2,559$2,045$1,621$1,274$995$394
22 years$2,417$1,909$1,494$1,159$892$334
23 years$2,287$1,786$1,379$1,055$801$284
24 years$2,169$1,673$1,276$962$720$241
25 years$2,060$1,570$1,181$879$648$205
26 years$1,960$1,476$1,096$804$584$175
27 years$1,867$1,389$1,017$736$526$149
28 years$1,781$1,309$946$674$475$126
29 years$1,701$1,235$880$618$429$108
30 years$1,626$1,166$820$567$387$92
31 years$1,557$1,102$764$521$350$78
32 years$1,492$1,043$713$479$317$67
33 years$1,431$988$666$440$287$57
34 years$1,374$936$622$405$260$48
35 years$1,320$888$582$373$235$41
36 years$1,269$843$544$343$213$35
37 years$1,221$800$509$316$193$30
38 years$1,176$761$477$292$175$26
39 years$1,133$723$447$269$159$22
40 years$1,092$688$419$248$144$19
41 years$1,054$655$393$229$131$16
42 years$1,017$624$368$211$119$14
43 years$982$594$346$195$108$12
44 years$949$567$324$180$98$10
45 years$918$540$305$166$89$8
46 years$888$515$286$154$80$7
47 years$859$492$269$142$73$6
48 years$831$470$253$131$66$5
49 years$805$448$237$121$60$4
50 years$780$428$223$112$55$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $799,000, adding $6,042 every year, while hoping to spend $48,352 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: 81/7/12 Blend
34$799,000$799,000$799,000$799,000
35$886,730$844,383$831,999$956,139
36$925,731$834,312$808,425$992,484
37$967,088$822,127$782,440$1,025,429
38$1,010,993$807,672$753,914$1,060,171
39$1,057,652$790,786$722,707$1,096,864
40$1,107,291$771,293$688,677$1,135,682
41$1,160,159$749,011$651,672$1,176,813
42$1,216,527$723,744$611,534$1,220,465
43$1,276,693$695,288$568,101$1,266,870
44$1,340,982$663,423$521,199$1,316,280
45$1,409,752$627,920$470,648$1,368,976
46$1,483,394$588,536$416,262$1,425,267
47$1,562,337$545,011$357,844$1,485,491
48$1,647,054$497,075$295,190$1,550,026
49$1,738,060$444,438$228,085$1,619,284
50$1,835,923$386,797$156,308$1,693,723
51$1,941,267$323,830$79,624$1,773,846
52$2,054,776$255,197$0$1,860,210
53$2,177,200$180,539$0$1,953,710
54$2,309,366$99,477$0$2,065,639
55$2,452,182$11,611$0$2,186,570
56$2,606,643$0$0$2,317,363
57$2,773,845$0$0$2,465,394
58$2,954,994$0$0$2,626,757
59$3,151,414$0$0$2,801,742
60$3,364,562$0$0$2,991,646
61$3,596,039$0$0$3,197,902
62$3,847,609$0$0$3,422,080
63$4,121,209$0$0$3,665,910
64$4,418,972$0$0$3,931,298
65$4,743,245$0$0$4,220,335
66$5,096,610$0$0$4,535,329
67$5,481,909$0$0$4,878,813
68$5,902,271$0$0$5,253,581
69$6,361,137$0$0$5,662,705
70$6,862,298$0$0$6,109,567
71$7,409,926$0$0$6,597,891
72$8,008,613$0$0$7,131,776
73$8,663,417$0$0$7,715,736
74$9,379,906$0$0$8,354,740
75$10,164,211$0$0$9,054,260
76$11,023,082$0$0$9,820,323
77$11,963,955$0$0$10,659,564
78$12,995,018$0$0$11,579,290
79$14,125,287$0$0$12,587,551
80$15,364,695$0$0$13,693,210
81$16,724,178$0$0$14,906,031
82$18,215,786$0$0$16,236,768
83$19,852,789$0$0$17,697,265
84$21,649,804$0$0$19,300,569
85$23,622,934$0$0$21,061,053
86$25,789,916$0$0$22,994,549
87$28,170,289$0$0$25,118,497
88$30,785,580$0$0$27,452,111
89$33,659,500$0$0$30,016,557
90$36,818,175$0$0$32,835,153
91$40,290,385$0$0$35,933,588
92$44,107,838$0$0$39,340,165
93$48,305,468$0$0$43,086,066
94$52,921,763$0$0$47,205,644
95$57,999,128$0$0$51,736,750
96$63,584,284$0$0$56,721,087
97$69,728,707$0$0$62,204,603
98$76,489,114$0$0$68,237,923
99$83,927,996$0$0$74,876,829
100$92,114,211$0$0$82,182,779