Can I retire at age 35 with 792,000?

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 $792,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$65,403$64,820$64,252$63,697$63,155$61,454
2 years$32,378$31,775$31,190$30,624$30,074$28,372
3 years$21,371$20,765$20,182$19,621$19,080$17,431
4 years$15,868$15,264$14,687$14,136$13,608$12,024
5 years$12,568$11,968$11,398$10,858$10,345$8,831
6 years$10,368$9,772$9,211$8,683$8,185$6,743
7 years$8,797$8,207$7,655$7,139$6,657$5,285
8 years$7,620$7,035$6,492$5,988$5,523$4,221
9 years$6,705$6,125$5,591$5,101$4,651$3,419
10 years$5,973$5,399$4,875$4,397$3,963$2,799
11 years$5,375$4,806$4,292$3,827$3,408$2,310
12 years$4,876$4,314$3,809$3,357$2,953$1,919
13 years$4,455$3,899$3,403$2,963$2,575$1,603
14 years$4,094$3,544$3,057$2,630$2,258$1,345
15 years$3,782$3,237$2,760$2,346$1,988$1,132
16 years$3,509$2,970$2,503$2,101$1,757$956
17 years$3,268$2,735$2,277$1,887$1,558$809
18 years$3,054$2,528$2,079$1,701$1,385$686
19 years$2,863$2,343$1,903$1,537$1,234$583
20 years$2,692$2,177$1,747$1,392$1,103$496
21 years$2,537$2,028$1,607$1,263$987$422
22 years$2,396$1,893$1,481$1,149$884$360
23 years$2,267$1,770$1,367$1,046$794$307
24 years$2,150$1,659$1,264$954$714$262
25 years$2,042$1,556$1,171$871$642$224
26 years$1,942$1,463$1,086$797$578$192
27 years$1,850$1,377$1,009$729$522$164
28 years$1,765$1,297$938$668$471$140
29 years$1,686$1,224$873$613$425$120
30 years$1,612$1,156$813$562$384$103
31 years$1,543$1,093$758$516$347$88
32 years$1,479$1,034$707$475$314$75
33 years$1,418$979$660$436$284$65
34 years$1,362$928$617$402$257$55
35 years$1,308$880$577$370$233$47
36 years$1,258$835$539$340$211$41
37 years$1,210$793$505$314$191$35
38 years$1,166$754$473$289$173$30
39 years$1,123$717$443$267$157$26
40 years$1,083$682$415$246$143$22
41 years$1,045$649$389$227$129$19
42 years$1,008$618$365$209$117$16
43 years$974$589$343$193$107$14
44 years$941$562$322$178$97$12
45 years$910$536$302$165$88$10
46 years$880$511$284$152$80$9
47 years$851$488$266$141$72$7
48 years$824$465$250$130$66$6
49 years$798$444$235$120$60$6
50 years$773$425$221$111$54$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $792,000, adding $6,775 every year, while hoping to spend $46,572 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: 45/38/17 Blend
34$792,000$792,000$792,000$792,000
35$879,772$837,796$825,520$914,791
36$919,957$829,296$803,623$931,453
37$962,679$818,819$779,431$944,321
38$1,008,150$806,217$752,819$957,284
39$1,056,597$791,338$723,655$970,371
40$1,108,273$774,017$691,800$983,616
41$1,163,452$754,079$657,111$997,061
42$1,222,437$731,342$619,437$1,010,757
43$1,285,559$705,611$578,622$1,024,763
44$1,353,180$676,680$534,499$1,039,148
45$1,425,697$644,330$486,898$1,053,991
46$1,503,548$608,332$435,639$1,069,387
47$1,587,211$568,442$380,534$1,085,442
48$1,677,213$524,401$321,388$1,102,281
49$1,774,129$475,938$257,995$1,120,045
50$1,878,596$422,764$190,143$1,138,896
51$1,991,308$364,575$117,608$1,159,020
52$2,113,031$301,049$40,158$1,180,627
53$2,244,607$231,846$0$1,203,956
54$2,386,958$156,609$0$1,236,986
55$2,541,102$74,956$0$1,280,589
56$2,708,154$0$0$1,327,869
57$2,889,344$0$0$1,384,915
58$3,086,021$0$0$1,480,938
59$3,299,670$0$0$1,585,330
60$3,531,927$0$0$1,698,900
61$3,784,588$0$0$1,822,538
62$4,059,631$0$0$1,957,224
63$4,359,233$0$0$2,104,034
64$4,685,788$0$0$2,264,154
65$5,041,931$0$0$2,438,891
66$5,430,565$0$0$2,629,680
67$5,854,881$0$0$2,838,103
68$6,318,395$0$0$3,065,902
69$6,824,976$0$0$3,314,993
70$7,378,885$0$0$3,587,487
71$7,984,813$0$0$3,885,708
72$8,647,923$0$0$4,212,214
73$9,373,903$0$0$4,569,825
74$10,169,016$0$0$4,961,642
75$11,040,158$0$0$5,391,084
76$11,994,924$0$0$5,861,916
77$13,041,680$0$0$6,378,281
78$14,189,638$0$0$6,944,747
79$15,448,945$0$0$7,566,343
80$16,830,779$0$0$8,248,609
81$18,347,450$0$0$8,997,646
82$20,012,519$0$0$9,820,177
83$21,840,924$0$0$10,723,606
84$23,849,122$0$0$11,716,091
85$26,055,239$0$0$12,806,618
86$28,479,245$0$0$14,005,086
87$31,143,141$0$0$15,322,402
88$34,071,163$0$0$16,770,581
89$37,290,013$0$0$18,362,862
90$40,829,108$0$0$20,113,828
91$44,720,861$0$0$22,039,548
92$49,000,978$0$0$24,157,726
93$53,708,803$0$0$26,487,868
94$58,887,682$0$0$29,051,464
95$64,585,375$0$0$31,872,196
96$70,854,504$0$0$34,976,153
97$77,753,049$0$0$38,392,083
98$85,344,894$0$0$42,151,661
99$93,700,431$0$0$46,289,788
100$102,897,218$0$0$50,844,923