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%14.7%
1 years$65,981$65,393$64,820$64,260$63,713$62,478
2 years$32,664$32,055$31,466$30,894$30,340$29,100
3 years$21,559$20,949$20,360$19,794$19,249$18,044
4 years$16,008$15,399$14,817$14,261$13,728$12,567
5 years$12,679$12,073$11,499$10,954$10,436$9,322
6 years$10,460$9,859$9,293$8,760$8,258$7,192
7 years$8,875$8,279$7,722$7,202$6,716$5,698
8 years$7,687$7,097$6,549$6,041$5,571$4,602
9 years$6,764$6,179$5,641$5,146$4,692$3,770
10 years$6,026$5,447$4,918$4,436$3,998$3,123
11 years$5,422$4,849$4,329$3,860$3,438$2,609
12 years$4,919$4,352$3,842$3,386$2,979$2,194
13 years$4,494$3,933$3,433$2,989$2,598$1,856
14 years$4,131$3,575$3,084$2,654$2,278$1,578
15 years$3,815$3,266$2,785$2,367$2,005$1,346
16 years$3,540$2,996$2,525$2,119$1,772$1,152
17 years$3,297$2,759$2,298$1,904$1,571$988
18 years$3,081$2,550$2,097$1,716$1,397$850
19 years$2,889$2,363$1,920$1,550$1,245$732
20 years$2,716$2,196$1,762$1,404$1,112$632
21 years$2,559$2,045$1,621$1,274$995$546
22 years$2,417$1,909$1,494$1,159$892$473
23 years$2,287$1,786$1,379$1,055$801$409
24 years$2,169$1,673$1,276$962$720$355
25 years$2,060$1,570$1,181$879$648$308
26 years$1,960$1,476$1,096$804$584$267
27 years$1,867$1,389$1,017$736$526$232
28 years$1,781$1,309$946$674$475$202
29 years$1,701$1,235$880$618$429$175
30 years$1,626$1,166$820$567$387$153
31 years$1,557$1,102$764$521$350$133
32 years$1,492$1,043$713$479$317$115
33 years$1,431$988$666$440$287$101
34 years$1,374$936$622$405$260$87
35 years$1,320$888$582$373$235$76
36 years$1,269$843$544$343$213$66
37 years$1,221$800$509$316$193$58
38 years$1,176$761$477$292$175$50
39 years$1,133$723$447$269$159$44
40 years$1,092$688$419$248$144$38
41 years$1,054$655$393$229$131$33
42 years$1,017$624$368$211$119$29
43 years$982$594$346$195$108$25
44 years$949$567$324$180$98$22
45 years$918$540$305$166$89$19
46 years$888$515$286$154$80$17
47 years$859$492$269$142$73$15
48 years$831$470$253$131$66$13
49 years$805$448$237$121$60$11
50 years$780$428$223$112$55$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $799,000, adding $2,700 every year, while hoping to spend $45,109 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: 70/9/21 Blend
34$799,000$799,000$799,000$799,000
35$883,283$840,936$828,552$940,351
36$925,382$834,146$808,312$972,000
37$970,264$825,512$785,883$1,001,064
38$1,018,164$814,895$761,143$1,031,771
39$1,069,341$802,149$733,966$1,064,281
40$1,124,079$787,120$704,219$1,098,768
41$1,182,688$769,642$671,764$1,135,427
42$1,245,511$749,543$636,456$1,174,474
43$1,312,920$726,638$598,145$1,216,147
44$1,385,326$700,731$556,671$1,260,710
45$1,463,181$671,618$511,871$1,308,455
46$1,546,977$639,080$463,571$1,359,707
47$1,637,260$602,886$411,591$1,414,823
48$1,734,625$562,791$355,744$1,474,200
49$1,839,727$518,539$295,832$1,538,277
50$1,953,287$469,855$231,650$1,607,539
51$2,076,097$416,452$162,985$1,682,523
52$2,209,025$358,025$89,611$1,763,823
53$2,353,029$294,252$11,297$1,852,096
54$2,509,160$224,792$0$1,948,067
55$2,678,575$149,287$0$2,068,736
56$2,862,544$67,356$0$2,202,549
57$3,062,466$0$0$2,348,013
58$3,279,881$0$0$2,508,393
59$3,516,482$0$0$2,690,223
60$3,774,130$0$0$2,888,268
61$4,054,876$0$0$3,104,107
62$4,360,975$0$0$3,339,482
63$4,694,909$0$0$3,596,305
64$5,059,413$0$0$3,876,684
65$5,457,493$0$0$4,182,939
66$5,892,460$0$0$4,517,624
67$6,367,961$0$0$4,883,549
68$6,888,009$0$0$5,283,810
69$7,457,023$0$0$5,721,815
70$8,079,869$0$0$6,201,316
71$8,761,905$0$0$6,726,447
72$9,509,033$0$0$7,301,758
73$10,327,750$0$0$7,932,261
74$11,225,214$0$0$8,623,476
75$12,209,306$0$0$9,381,481
76$13,288,708$0$0$10,212,973
77$14,472,981$0$0$11,125,327
78$15,772,658$0$0$12,126,665
79$17,199,340$0$0$13,225,936
80$18,765,807$0$0$14,432,997
81$20,486,136$0$0$15,758,706
82$22,375,834$0$0$17,215,024
83$24,451,984$0$0$18,815,127
84$26,733,408$0$0$20,573,532
85$29,240,837$0$0$22,506,232
86$31,997,113$0$0$24,630,843
87$35,027,402$0$0$26,966,779
88$38,359,427$0$0$29,535,422
89$42,023,735$0$0$32,360,335
90$46,053,979$0$0$35,467,477
91$50,487,238$0$0$38,885,448
92$55,364,366$0$0$42,645,762
93$60,730,375$0$0$46,783,139
94$66,634,860$0$0$51,335,834
95$73,132,467$0$0$56,346,000
96$80,283,408$0$0$61,860,081
97$88,154,024$0$0$67,929,253
98$96,817,417$0$0$74,609,902
99$106,354,134$0$0$81,964,161
100$116,852,928$0$0$90,060,493