Can I retire at age 35 with 791,000?

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 $791,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$65,320$64,738$64,171$63,616$63,075$61,032
2 years$32,337$31,734$31,151$30,585$30,036$27,996
3 years$21,344$20,739$20,157$19,596$19,056$17,084
4 years$15,848$15,245$14,669$14,118$13,591$11,702
5 years$12,552$11,952$11,384$10,844$10,332$8,531
6 years$10,355$9,760$9,200$8,672$8,175$6,464
7 years$8,786$8,196$7,645$7,130$6,648$5,027
8 years$7,610$7,026$6,484$5,981$5,516$3,982
9 years$6,696$6,117$5,584$5,094$4,645$3,198
10 years$5,965$5,392$4,868$4,391$3,958$2,595
11 years$5,368$4,800$4,286$3,822$3,404$2,122
12 years$4,870$4,308$3,804$3,352$2,950$1,747
13 years$4,449$3,894$3,398$2,960$2,572$1,446
14 years$4,089$3,539$3,054$2,627$2,255$1,201
15 years$3,777$3,233$2,757$2,343$1,985$1,001
16 years$3,504$2,966$2,500$2,098$1,755$837
17 years$3,264$2,732$2,275$1,885$1,556$701
18 years$3,051$2,524$2,076$1,699$1,383$588
19 years$2,860$2,340$1,901$1,535$1,233$495
20 years$2,688$2,174$1,744$1,390$1,101$416
21 years$2,533$2,025$1,605$1,262$986$351
22 years$2,393$1,890$1,479$1,147$883$296
23 years$2,265$1,768$1,365$1,045$793$250
24 years$2,147$1,656$1,263$953$713$211
25 years$2,039$1,554$1,170$870$641$178
26 years$1,940$1,461$1,085$796$578$151
27 years$1,848$1,375$1,007$728$521$127
28 years$1,763$1,296$936$667$470$108
29 years$1,684$1,222$871$612$424$91
30 years$1,610$1,154$812$562$383$77
31 years$1,541$1,091$757$516$347$65
32 years$1,477$1,032$706$474$314$55
33 years$1,417$978$659$436$284$47
34 years$1,360$927$616$401$257$40
35 years$1,307$879$576$369$233$34
36 years$1,256$834$539$340$211$28
37 years$1,209$792$504$313$191$24
38 years$1,164$753$472$289$173$20
39 years$1,122$716$442$266$157$17
40 years$1,081$681$415$246$143$15
41 years$1,043$649$389$227$129$12
42 years$1,007$618$365$209$117$11
43 years$973$588$342$193$106$9
44 years$940$561$321$178$97$8
45 years$909$535$302$165$88$6
46 years$879$510$283$152$80$5
47 years$850$487$266$140$72$5
48 years$823$465$250$130$66$4
49 years$797$444$235$120$60$3
50 years$772$424$221$111$54$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $791,000, adding $6,287 every year, while hoping to spend $26,979 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: 56/19/25 Blend
34$791,000$791,000$791,000$791,000
35$878,167$836,244$823,984$921,018
36$939,035$848,515$822,882$963,374
37$1,005,206$860,482$820,838$1,006,135
38$1,077,195$872,103$817,794$1,052,160
39$1,155,565$883,332$813,686$1,101,772
40$1,240,935$894,118$808,447$1,155,326
41$1,333,990$904,410$802,010$1,213,217
42$1,435,481$914,149$794,301$1,275,877
43$1,546,234$923,277$785,244$1,343,786
44$1,667,161$931,729$774,761$1,417,472
45$1,799,264$939,436$762,768$1,497,519
46$1,943,646$946,325$749,177$1,584,571
47$2,101,521$952,318$733,898$1,679,339
48$2,274,228$957,334$716,836$1,782,606
49$2,463,240$961,283$697,890$1,895,239
50$2,670,177$964,073$676,956$2,018,192
51$2,896,826$965,603$653,925$2,152,520
52$3,145,153$965,769$628,682$2,299,387
53$3,417,324$964,457$601,109$2,460,075
54$3,715,725$961,550$571,080$2,636,000
55$4,042,983$956,919$538,465$2,828,726
56$4,401,991$950,432$503,127$3,039,975
57$4,795,936$941,945$464,924$3,271,651
58$5,228,330$931,309$423,707$3,525,850
59$5,703,038$918,362$379,320$3,804,887
60$6,224,322$902,935$331,601$4,111,315
61$6,796,873$884,849$280,380$4,447,951
62$7,425,861$863,914$225,480$4,817,902
63$8,116,980$839,927$166,715$5,224,593
64$8,876,505$812,676$103,893$5,671,804
65$9,711,346$781,935$36,811$6,163,703
66$10,629,119$747,465$0$6,704,888
67$11,638,211$709,013$0$7,309,704
68$12,747,866$666,313$0$7,985,550
69$13,968,267$619,080$0$8,728,822
70$15,310,632$567,017$0$9,546,383
71$16,787,322$509,806$0$10,445,800
72$18,411,958$447,116$0$11,435,408
73$20,199,545$378,592$0$12,524,400
74$22,166,617$303,861$0$13,722,902
75$24,331,392$222,531$0$15,042,078
76$26,713,943$134,184$0$16,494,234
77$29,336,389$38,382$0$18,092,929
78$32,223,098$0$0$19,853,110
79$35,400,926$0$0$21,804,913
80$38,899,461$0$0$23,962,615
81$42,751,307$0$0$26,338,311
82$46,992,390$0$0$28,954,170
83$51,662,298$0$0$31,834,622
84$56,804,652$0$0$35,006,585
85$62,467,520$0$0$38,499,719
86$68,703,867$0$0$42,346,712
87$75,572,058$0$0$46,583,577
88$83,136,408$0$0$51,250,005
89$91,467,785$0$0$56,389,728
90$100,644,283$0$0$62,050,937
91$110,751,958$0$0$68,286,737
92$121,885,638$0$0$75,155,648
93$134,149,818$0$0$82,722,152
94$147,659,647$0$0$91,057,310
95$162,542,015$0$0$100,239,425
96$178,936,749$0$0$110,354,785
97$196,997,932$0$0$121,498,477
98$216,895,359$0$0$133,775,281
99$238,816,139$0$0$147,300,664
100$262,966,458$0$0$162,201,866