Can I retire at age 35 with 760,000?

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 $760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$62,760$62,201$61,656$61,123$60,603$59,235
2 years$31,069$30,491$29,930$29,386$28,859$27,487
3 years$20,507$19,926$19,367$18,828$18,309$16,977
4 years$15,227$14,648$14,094$13,565$13,058$11,777
5 years$12,060$11,484$10,937$10,419$9,927$8,699
6 years$9,949$9,378$8,839$8,332$7,855$6,682
7 years$8,442$7,875$7,345$6,850$6,388$5,270
8 years$7,312$6,751$6,229$5,746$5,299$4,237
9 years$6,434$5,878$5,365$4,895$4,463$3,454
10 years$5,732$5,181$4,678$4,219$3,803$2,847
11 years$5,157$4,612$4,118$3,672$3,270$2,366
12 years$4,679$4,140$3,655$3,221$2,834$1,980
13 years$4,275$3,741$3,265$2,844$2,471$1,666
14 years$3,929$3,400$2,934$2,524$2,166$1,408
15 years$3,629$3,106$2,649$2,251$1,907$1,195
16 years$3,367$2,850$2,402$2,016$1,686$1,017
17 years$3,136$2,625$2,185$1,811$1,495$867
18 years$2,931$2,425$1,995$1,632$1,329$742
19 years$2,748$2,248$1,826$1,475$1,185$635
20 years$2,583$2,089$1,676$1,336$1,058$545
21 years$2,434$1,946$1,542$1,212$947$468
22 years$2,299$1,816$1,421$1,102$849$402
23 years$2,176$1,699$1,312$1,004$762$346
24 years$2,063$1,592$1,213$916$685$298
25 years$1,959$1,494$1,124$836$616$257
26 years$1,864$1,404$1,042$764$555$222
27 years$1,776$1,321$968$700$500$191
28 years$1,694$1,245$900$641$452$165
29 years$1,618$1,174$837$588$408$143
30 years$1,547$1,109$780$540$368$123
31 years$1,481$1,048$727$496$333$107
32 years$1,419$992$678$455$301$92
33 years$1,361$939$633$419$273$80
34 years$1,307$890$592$385$247$69
35 years$1,255$845$553$355$224$60
36 years$1,207$802$518$327$203$52
37 years$1,161$761$484$301$184$45
38 years$1,118$724$454$277$166$39
39 years$1,078$688$425$256$151$33
40 years$1,039$655$398$236$137$29
41 years$1,002$623$374$218$124$25
42 years$968$593$350$201$113$22
43 years$934$565$329$185$102$19
44 years$903$539$309$171$93$16
45 years$873$514$290$158$84$14
46 years$844$490$272$146$77$12
47 years$817$468$256$135$70$11
48 years$791$447$240$125$63$9
49 years$766$427$226$115$57$8
50 years$742$407$212$107$52$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $760,000, adding $5,950 every year, while hoping to spend $48,678 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: 58/22/20 Blend
34$760,000$760,000$760,000$760,000
35$843,657$803,377$791,597$887,788
36$877,917$790,950$766,323$906,034
37$914,041$776,282$738,570$920,125
38$952,165$759,212$708,205$934,406
39$992,443$739,571$675,087$948,905
40$1,035,038$717,176$639,068$963,654
41$1,080,131$691,837$599,996$978,693
42$1,127,919$663,351$557,710$994,069
43$1,178,616$631,504$512,042$1,009,833
44$1,232,456$596,069$462,818$1,026,049
45$1,289,698$556,808$409,853$1,042,787
46$1,350,621$513,465$352,957$1,060,130
47$1,415,534$465,775$291,931$1,078,169
48$1,484,773$413,452$226,565$1,097,014
49$1,558,707$356,199$156,643$1,116,786
50$1,637,742$293,699$81,936$1,137,623
51$1,722,319$225,617$2,208$1,159,682
52$1,812,925$151,602$0$1,183,143
53$1,910,093$71,280$0$1,225,892
54$2,014,408$0$0$1,272,124
55$2,126,512$0$0$1,325,491
56$2,247,110$0$0$1,401,511
57$2,376,975$0$0$1,483,421
58$2,516,957$0$0$1,571,763
59$2,667,989$0$0$1,667,132
60$2,831,097$0$0$1,770,183
61$3,007,408$0$0$1,881,634
62$3,198,160$0$0$2,002,277
63$3,404,715$0$0$2,132,980
64$3,628,569$0$0$2,274,699
65$3,871,368$0$0$2,428,483
66$4,134,922$0$0$2,595,490
67$4,421,222$0$0$2,776,988
68$4,732,458$0$0$2,974,378
69$5,071,038$0$0$3,189,197
70$5,439,614$0$0$3,423,137
71$5,841,100$0$0$3,678,062
72$6,278,708$0$0$3,956,020
73$6,755,969$0$0$4,259,268
74$7,276,771$0$0$4,590,289
75$7,845,393$0$0$4,951,817
76$8,466,546$0$0$5,346,859
77$9,145,416$0$0$5,778,730
78$9,887,711$0$0$6,251,076
79$10,699,719$0$0$6,767,913
80$11,588,361$0$0$7,333,664
81$12,561,258$0$0$7,953,196
82$13,626,803$0$0$8,631,873
83$14,794,240$0$0$9,375,600
84$16,073,746$0$0$10,190,880
85$17,476,532$0$0$11,084,877
86$19,014,946$0$0$12,065,478
87$20,702,586$0$0$13,141,374
88$22,554,430$0$0$14,322,136
89$24,586,978$0$0$15,618,307
90$26,818,405$0$0$17,041,499
91$29,268,728$0$0$18,604,506
92$31,960,003$0$0$20,321,419
93$34,916,521$0$0$22,207,765
94$38,165,048$0$0$24,280,644
95$41,735,067$0$0$26,558,900
96$45,659,058$0$0$29,063,289
97$49,972,807$0$0$31,816,680
98$54,715,740$0$0$34,844,269
99$59,931,291$0$0$38,173,814
100$65,667,317$0$0$41,835,898