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%19.2%
1 years$62,925$62,365$61,818$61,284$60,763$58,514
2 years$31,151$30,571$30,009$29,464$28,935$26,694
3 years$20,561$19,978$19,418$18,878$18,357$16,196
4 years$15,267$14,686$14,131$13,600$13,093$11,027
5 years$12,092$11,514$10,966$10,446$9,953$7,988
6 years$9,975$9,402$8,862$8,354$7,875$6,013
7 years$8,464$7,896$7,365$6,868$6,405$4,644
8 years$7,331$6,768$6,246$5,762$5,313$3,653
9 years$6,451$5,893$5,380$4,908$4,475$2,912
10 years$5,747$5,194$4,690$4,230$3,813$2,345
11 years$5,171$4,624$4,129$3,682$3,279$1,903
12 years$4,692$4,151$3,664$3,229$2,841$1,554
13 years$4,286$3,751$3,274$2,851$2,478$1,275
14 years$3,939$3,409$2,942$2,531$2,172$1,051
15 years$3,639$3,115$2,656$2,257$1,912$868
16 years$3,376$2,858$2,408$2,021$1,690$720
17 years$3,144$2,632$2,191$1,816$1,499$598
18 years$2,939$2,432$2,000$1,636$1,333$497
19 years$2,755$2,254$1,831$1,479$1,188$414
20 years$2,590$2,094$1,680$1,339$1,061$345
21 years$2,441$1,951$1,546$1,215$949$288
22 years$2,305$1,821$1,425$1,105$851$241
23 years$2,181$1,703$1,315$1,006$764$201
24 years$2,068$1,596$1,217$918$687$168
25 years$1,965$1,497$1,127$838$618$141
26 years$1,869$1,407$1,045$766$557$118
27 years$1,780$1,325$970$702$502$99
28 years$1,698$1,248$902$643$453$83
29 years$1,622$1,177$839$589$409$69
30 years$1,551$1,112$782$541$369$58
31 years$1,485$1,051$729$497$334$49
32 years$1,423$995$680$457$302$41
33 years$1,365$942$635$420$273$34
34 years$1,310$893$593$386$248$29
35 years$1,259$847$555$356$224$24
36 years$1,210$804$519$328$203$20
37 years$1,165$763$486$302$184$17
38 years$1,121$725$455$278$167$14
39 years$1,080$690$426$256$151$12
40 years$1,042$656$399$237$137$10
41 years$1,005$625$375$218$125$8
42 years$970$595$351$201$113$7
43 years$937$567$330$186$103$6
44 years$905$540$309$172$93$5
45 years$875$515$291$159$85$4
46 years$847$492$273$146$77$3
47 years$819$469$256$135$70$3
48 years$793$448$241$125$63$2
49 years$768$428$226$116$57$2
50 years$744$409$213$107$52$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $762,000, adding $4,893 every year, while hoping to spend $54,896 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: 34/38/28 Blend
34$762,000$762,000$762,000$762,000
35$844,771$804,385$792,574$866,202
36$872,529$785,391$760,716$863,789
37$901,278$763,626$725,952$855,940
38$931,062$738,898$688,124$846,414
39$961,926$710,999$647,072$835,101
40$993,919$679,715$602,626$821,882
41$1,027,092$644,814$554,607$806,634
42$1,061,500$606,055$502,832$789,228
43$1,097,202$563,181$447,105$769,527
44$1,134,260$515,920$387,226$747,388
45$1,172,739$463,984$322,983$722,660
46$1,212,711$407,072$254,156$695,186
47$1,254,252$344,863$180,514$664,799
48$1,297,441$277,017$101,817$631,325
49$1,342,366$203,177$17,814$594,582
50$1,389,121$122,965$0$554,379
51$1,437,803$35,983$0$531,975
52$1,488,522$0$0$512,775
53$1,541,392$0$0$515,648
54$1,596,538$0$0$534,360
55$1,654,093$0$0$553,914
56$1,714,202$0$0$574,362
57$1,777,021$0$0$595,760
58$1,842,718$0$0$618,169
59$1,911,477$0$0$641,655
60$1,983,494$0$0$666,290
61$2,058,984$0$0$692,153
62$2,138,179$0$0$719,328
63$2,221,331$0$0$747,906
64$2,308,713$0$0$777,989
65$2,400,624$0$0$809,684
66$2,497,388$0$0$843,111
67$2,599,356$0$0$878,399
68$2,706,912$0$0$915,690
69$2,820,476$0$0$955,136
70$2,940,503$0$0$996,906
71$3,067,492$0$0$1,041,183
72$3,201,986$0$0$1,088,169
73$3,344,579$0$0$1,138,082
74$3,495,920$0$0$1,191,162
75$3,656,718$0$0$1,247,671
76$3,827,752$0$0$1,307,897
77$4,009,869$0$0$1,372,155
78$4,204,000$0$0$1,440,789
79$4,411,164$0$0$1,514,176
80$4,632,476$0$0$1,592,732
81$4,869,161$0$0$1,676,910
82$5,122,560$0$0$1,767,208
83$5,394,142$0$0$1,864,173
84$5,685,522$0$0$1,968,404
85$5,998,470$0$0$2,080,561
86$6,334,928$0$0$2,201,367
87$6,697,031$0$0$2,331,615
88$7,087,120$0$0$2,472,179
89$7,507,769$0$0$2,624,016
90$7,961,803$0$0$2,788,180
91$8,452,329$0$0$2,965,829
92$8,982,758$0$0$3,158,236
93$9,556,842$0$0$3,366,800
94$10,178,705$0$0$3,593,060
95$10,852,881$0$0$3,838,708
96$11,584,355$0$0$4,105,606
97$12,378,610$0$0$4,395,801
98$13,241,678$0$0$4,711,545
99$14,180,193$0$0$5,055,318
100$15,201,454$0$0$5,429,846