Can I retire at age 35 with 762,000?

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 $762,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$62,925$62,365$61,818$61,284$60,763$58,818
2 years$31,151$30,571$30,009$29,464$28,935$26,993
3 years$20,561$19,978$19,418$18,878$18,357$16,480
4 years$15,267$14,686$14,131$13,600$13,093$11,294
5 years$12,092$11,514$10,966$10,446$9,953$8,238
6 years$9,975$9,402$8,862$8,354$7,875$6,245
7 years$8,464$7,896$7,365$6,868$6,405$4,859
8 years$7,331$6,768$6,246$5,762$5,313$3,852
9 years$6,451$5,893$5,380$4,908$4,475$3,095
10 years$5,747$5,194$4,690$4,230$3,813$2,513
11 years$5,171$4,624$4,129$3,682$3,279$2,057
12 years$4,692$4,151$3,664$3,229$2,841$1,694
13 years$4,286$3,751$3,274$2,851$2,478$1,403
14 years$3,939$3,409$2,942$2,531$2,172$1,166
15 years$3,639$3,115$2,656$2,257$1,912$973
16 years$3,376$2,858$2,408$2,021$1,690$814
17 years$3,144$2,632$2,191$1,816$1,499$682
18 years$2,939$2,432$2,000$1,636$1,333$573
19 years$2,755$2,254$1,831$1,479$1,188$482
20 years$2,590$2,094$1,680$1,339$1,061$406
21 years$2,441$1,951$1,546$1,215$949$342
22 years$2,305$1,821$1,425$1,105$851$289
23 years$2,181$1,703$1,315$1,006$764$244
24 years$2,068$1,596$1,217$918$687$206
25 years$1,965$1,497$1,127$838$618$174
26 years$1,869$1,407$1,045$766$557$148
27 years$1,780$1,325$970$702$502$125
28 years$1,698$1,248$902$643$453$106
29 years$1,622$1,177$839$589$409$90
30 years$1,551$1,112$782$541$369$76
31 years$1,485$1,051$729$497$334$64
32 years$1,423$995$680$457$302$54
33 years$1,365$942$635$420$273$46
34 years$1,310$893$593$386$248$39
35 years$1,259$847$555$356$224$33
36 years$1,210$804$519$328$203$28
37 years$1,165$763$486$302$184$24
38 years$1,121$725$455$278$167$20
39 years$1,080$690$426$256$151$17
40 years$1,042$656$399$237$137$15
41 years$1,005$625$375$218$125$12
42 years$970$595$351$201$113$10
43 years$937$567$330$186$103$9
44 years$905$540$309$172$93$8
45 years$875$515$291$159$85$6
46 years$847$492$273$146$77$5
47 years$819$469$256$135$70$5
48 years$793$448$241$125$63$4
49 years$768$428$226$116$57$3
50 years$744$409$213$107$52$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $762,000, adding $6,909 every year, while hoping to spend $54,575 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: 68/18/14 Blend
34$762,000$762,000$762,000$762,000
35$846,851$806,465$794,654$901,260
36$875,162$787,914$763,207$919,826
37$904,532$766,625$728,878$932,999
38$935,011$742,407$691,512$946,016
39$966,653$715,055$650,949$958,855
40$999,514$684,356$607,018$971,493
41$1,033,657$650,082$559,546$983,910
42$1,069,147$611,992$508,347$996,081
43$1,106,053$569,833$453,230$1,007,985
44$1,144,451$523,336$393,994$1,019,596
45$1,184,422$472,216$330,429$1,030,893
46$1,226,051$416,172$262,317$1,041,852
47$1,269,432$354,889$189,429$1,052,449
48$1,314,666$288,030$111,526$1,062,662
49$1,361,859$215,241$28,359$1,072,469
50$1,411,129$136,148$0$1,081,850
51$1,462,600$50,355$0$1,099,806
52$1,516,409$0$0$1,122,405
53$1,572,703$0$0$1,153,862
54$1,631,639$0$0$1,197,250
55$1,693,390$0$0$1,242,723
56$1,758,142$0$0$1,290,419
57$1,826,098$0$0$1,340,490
58$1,897,477$0$0$1,393,099
59$1,972,518$0$0$1,448,425
60$2,051,481$0$0$1,506,661
61$2,134,647$0$0$1,568,017
62$2,222,324$0$0$1,632,723
63$2,314,848$0$0$1,701,030
64$2,412,583$0$0$1,773,210
65$2,515,928$0$0$1,849,560
66$2,625,319$0$0$1,930,406
67$2,741,229$0$0$2,016,102
68$2,864,178$0$0$2,107,036
69$2,994,733$0$0$2,203,632
70$3,133,515$0$0$2,306,354
71$3,281,202$0$0$2,415,709
72$3,438,538$0$0$2,532,252
73$3,606,335$0$0$2,656,593
74$3,785,485$0$0$2,789,396
75$3,976,964$0$0$2,931,393
76$4,181,843$0$0$3,083,385
77$4,401,296$0$0$3,246,249
78$4,636,609$0$0$3,420,948
79$4,889,195$0$0$3,608,539
80$5,160,604$0$0$3,810,182
81$5,452,537$0$0$4,027,151
82$5,766,862$0$0$4,260,842
83$6,105,630$0$0$4,512,793
84$6,471,095$0$0$4,784,688
85$6,865,733$0$0$5,078,382
86$7,292,262$0$0$5,395,911
87$7,753,674$0$0$5,739,513
88$8,253,255$0$0$6,111,649
89$8,794,616$0$0$6,515,024
90$9,381,732$0$0$6,952,613
91$10,018,971$0$0$7,427,687
92$10,711,137$0$0$7,943,844
93$11,463,517$0$0$8,505,044
94$12,281,924$0$0$9,115,640
95$13,172,757$0$0$9,780,425
96$14,143,054$0$0$10,504,669
97$15,200,562$0$0$11,294,175
98$16,353,805$0$0$12,155,329
99$17,612,167$0$0$13,095,159
100$18,985,975$0$0$14,121,401