Can I retire at age 35 with 764,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $764,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$63,090$62,528$61,980$61,445$60,922$59,401
2 years$31,233$30,651$30,087$29,541$29,011$27,488
3 years$20,615$20,031$19,469$18,927$18,406$16,929
4 years$15,307$14,725$14,168$13,636$13,127$11,707
5 years$12,123$11,544$10,995$10,474$9,979$8,620
6 years$10,001$9,427$8,886$8,376$7,896$6,600
7 years$8,486$7,917$7,384$6,886$6,422$5,188
8 years$7,351$6,786$6,262$5,777$5,327$4,156
9 years$6,468$5,908$5,394$4,920$4,486$3,376
10 years$5,762$5,208$4,702$4,242$3,823$2,772
11 years$5,185$4,636$4,140$3,691$3,288$2,296
12 years$4,704$4,161$3,674$3,238$2,849$1,914
13 years$4,298$3,761$3,282$2,859$2,484$1,604
14 years$3,950$3,418$2,949$2,537$2,178$1,350
15 years$3,648$3,123$2,663$2,263$1,917$1,140
16 years$3,385$2,865$2,414$2,026$1,695$966
17 years$3,153$2,639$2,197$1,821$1,503$821
18 years$2,946$2,438$2,005$1,641$1,336$699
19 years$2,762$2,260$1,836$1,483$1,191$596
20 years$2,597$2,100$1,685$1,343$1,064$509
21 years$2,447$1,956$1,550$1,219$952$435
22 years$2,311$1,826$1,428$1,108$853$372
23 years$2,187$1,708$1,319$1,009$766$319
24 years$2,074$1,600$1,220$920$688$273
25 years$1,970$1,501$1,130$840$619$235
26 years$1,874$1,411$1,048$769$558$201
27 years$1,785$1,328$973$703$503$173
28 years$1,703$1,251$904$644$454$149
29 years$1,626$1,181$842$591$410$128
30 years$1,555$1,115$784$542$370$110
31 years$1,489$1,054$731$498$335$94
32 years$1,427$997$682$458$303$81
33 years$1,368$944$637$421$274$70
34 years$1,313$895$595$387$248$60
35 years$1,262$849$556$357$225$52
36 years$1,213$806$520$328$204$45
37 years$1,168$765$487$303$185$38
38 years$1,124$727$456$279$167$33
39 years$1,083$692$427$257$152$28
40 years$1,045$658$400$237$138$24
41 years$1,008$626$376$219$125$21
42 years$973$597$352$202$113$18
43 years$939$568$331$186$103$16
44 years$908$542$310$172$93$13
45 years$878$517$291$159$85$12
46 years$849$493$274$147$77$10
47 years$821$470$257$136$70$9
48 years$795$449$242$125$63$7
49 years$770$429$227$116$58$6
50 years$746$410$213$107$52$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $764,000, adding $4,360 every year, while hoping to spend $34,620 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: 66/13/21 Blend
34$764,000$764,000$764,000$764,000
35$846,425$805,933$794,091$897,510
36$895,925$808,589$783,858$934,990
37$949,314$810,214$772,122$971,588
38$1,006,951$810,722$758,795$1,010,783
39$1,069,233$810,020$743,787$1,052,829
40$1,136,594$808,010$727,004$1,098,008
41$1,209,513$804,589$708,344$1,146,632
42$1,288,514$799,644$687,705$1,199,047
43$1,374,176$793,060$664,976$1,255,633
44$1,467,133$784,712$640,044$1,316,809
45$1,568,085$774,467$612,790$1,383,042
46$1,677,801$762,186$583,089$1,454,843
47$1,797,125$747,722$550,811$1,532,779
48$1,926,988$730,917$515,820$1,617,477
49$2,068,413$711,604$477,972$1,709,627
50$2,222,528$689,609$437,121$1,809,992
51$2,390,571$664,745$393,110$1,919,415
52$2,573,907$636,815$345,776$2,038,826
53$2,774,037$605,611$294,951$2,169,252
54$2,992,615$570,912$240,458$2,311,828
55$3,231,459$532,485$182,112$2,467,805
56$3,492,574$490,083$119,719$2,638,564
57$3,778,166$443,446$53,078$2,825,631
58$4,090,662$392,298$0$3,030,690
59$4,432,737$336,348$0$3,259,640
60$4,807,336$275,289$0$3,523,443
61$5,217,702$208,795$0$3,812,510
62$5,667,405$136,524$0$4,129,389
63$6,160,379$58,113$0$4,476,892
64$6,700,956$0$0$4,858,116
65$7,293,907$0$0$5,280,314
66$7,944,487$0$0$5,752,716
67$8,658,483$0$0$6,271,218
68$9,442,273$0$0$6,840,456
69$10,302,878$0$0$7,465,538
70$11,248,037$0$0$8,152,090
71$12,286,271$0$0$8,906,310
72$13,426,969$0$0$9,735,026
73$14,680,474$0$0$10,645,759
74$16,058,182$0$0$11,646,797
75$17,572,646$0$0$12,747,268
76$19,237,695$0$0$13,957,232
77$21,068,567$0$0$15,287,768
78$23,082,051$0$0$16,751,086
79$25,296,641$0$0$18,360,638
80$27,732,716$0$0$20,131,243
81$30,412,729$0$0$22,079,232
82$33,361,418$0$0$24,222,595
83$36,606,042$0$0$26,581,157
84$40,176,632$0$0$29,176,760
85$44,106,282$0$0$32,033,470
86$48,431,451$0$0$35,177,807
87$53,192,318$0$0$38,638,988
88$58,433,150$0$0$42,449,211
89$64,202,726$0$0$46,643,952
90$70,554,794$0$0$51,262,302
91$77,548,581$0$0$56,347,334
92$85,249,345$0$0$61,946,512
93$93,728,998$0$0$68,112,136
94$103,066,779$0$0$74,901,837
95$113,350,002$0$0$82,379,119
96$124,674,881$0$0$90,613,958
97$137,147,439$0$0$99,683,465
98$150,884,502$0$0$109,672,608
99$166,014,809$0$0$120,675,018
100$182,680,220$0$0$132,793,872