Can I retire at age 35 with 764,000?

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 $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%18.7%
1 years$63,090$62,528$61,980$61,445$60,922$58,784
2 years$31,233$30,651$30,087$29,541$29,011$26,879
3 years$20,615$20,031$19,469$18,927$18,406$16,347
4 years$15,307$14,725$14,168$13,636$13,127$11,158
5 years$12,123$11,544$10,995$10,474$9,979$8,104
6 years$10,001$9,427$8,886$8,376$7,896$6,117
7 years$8,486$7,917$7,384$6,886$6,422$4,738
8 years$7,351$6,786$6,262$5,777$5,327$3,738
9 years$6,468$5,908$5,394$4,920$4,486$2,989
10 years$5,762$5,208$4,702$4,242$3,823$2,415
11 years$5,185$4,636$4,140$3,691$3,288$1,966
12 years$4,704$4,161$3,674$3,238$2,849$1,611
13 years$4,298$3,761$3,282$2,859$2,484$1,327
14 years$3,950$3,418$2,949$2,537$2,178$1,097
15 years$3,648$3,123$2,663$2,263$1,917$910
16 years$3,385$2,865$2,414$2,026$1,695$756
17 years$3,153$2,639$2,197$1,821$1,503$630
18 years$2,946$2,438$2,005$1,641$1,336$526
19 years$2,762$2,260$1,836$1,483$1,191$440
20 years$2,597$2,100$1,685$1,343$1,064$368
21 years$2,447$1,956$1,550$1,219$952$309
22 years$2,311$1,826$1,428$1,108$853$259
23 years$2,187$1,708$1,319$1,009$766$217
24 years$2,074$1,600$1,220$920$688$183
25 years$1,970$1,501$1,130$840$619$153
26 years$1,874$1,411$1,048$769$558$129
27 years$1,785$1,328$973$703$503$108
28 years$1,703$1,251$904$644$454$91
29 years$1,626$1,181$842$591$410$77
30 years$1,555$1,115$784$542$370$65
31 years$1,489$1,054$731$498$335$54
32 years$1,427$997$682$458$303$46
33 years$1,368$944$637$421$274$39
34 years$1,313$895$595$387$248$32
35 years$1,262$849$556$357$225$27
36 years$1,213$806$520$328$204$23
37 years$1,168$765$487$303$185$19
38 years$1,124$727$456$279$167$16
39 years$1,083$692$427$257$152$14
40 years$1,045$658$400$237$138$12
41 years$1,008$626$376$219$125$10
42 years$973$597$352$202$113$8
43 years$939$568$331$186$103$7
44 years$908$542$310$172$93$6
45 years$878$517$291$159$85$5
46 years$849$493$274$147$77$4
47 years$821$470$257$136$70$3
48 years$795$449$242$125$63$3
49 years$770$429$227$116$58$2
50 years$746$410$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 $764,000, adding $6,691 every year, while hoping to spend $47,879 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: 72/22/6 Blend
34$764,000$764,000$764,000$764,000
35$848,830$808,338$796,496$908,839
36$884,468$797,003$772,235$937,983
37$922,136$783,509$745,558$963,241
38$961,991$767,698$716,331$989,545
39$1,004,203$749,405$684,418$1,016,985
40$1,048,961$728,455$649,675$1,045,660
41$1,096,467$704,661$611,951$1,075,679
42$1,146,944$677,827$571,089$1,107,165
43$1,200,638$647,746$526,926$1,140,254
44$1,257,814$614,197$479,289$1,175,095
45$1,318,766$576,947$428,000$1,211,857
46$1,383,814$535,751$372,872$1,250,726
47$1,453,308$490,348$313,708$1,291,907
48$1,527,634$440,463$250,305$1,335,631
49$1,607,212$385,806$182,450$1,382,151
50$1,692,506$326,069$109,921$1,431,750
51$1,784,023$260,927$32,484$1,484,741
52$1,882,319$190,039$0$1,541,473
53$1,988,006$113,041$0$1,605,541
54$2,101,754$29,551$0$1,676,591
55$2,224,300$0$0$1,753,033
56$2,356,452$0$0$1,850,137
57$2,499,101$0$0$1,962,704
58$2,653,222$0$0$2,084,353
59$2,819,888$0$0$2,215,937
60$3,000,279$0$0$2,358,391
61$3,195,693$0$0$2,512,742
62$3,407,554$0$0$2,680,121
63$3,637,431$0$0$2,861,772
64$3,887,048$0$0$3,059,063
65$4,158,302$0$0$3,273,496
66$4,453,279$0$0$3,506,728
67$4,774,275$0$0$3,760,579
68$5,123,815$0$0$4,037,051
69$5,504,680$0$0$4,338,350
70$5,919,927$0$0$4,666,901
71$6,372,923$0$0$5,025,375
72$6,867,373$0$0$5,416,710
73$7,407,356$0$0$5,844,142
74$7,997,362$0$0$6,311,232
75$8,642,334$0$0$6,821,901
76$9,347,714$0$0$7,380,467
77$10,119,494$0$0$7,991,683
78$10,964,273$0$0$8,660,782
79$11,889,317$0$0$9,393,529
80$12,902,625$0$0$10,196,270
81$14,013,009$0$0$11,075,996
82$15,230,174$0$0$12,040,405
83$16,564,806$0$0$13,097,975
84$18,028,677$0$0$14,258,045
85$19,634,753$0$0$15,530,901
86$21,397,313$0$0$16,927,871
87$23,332,088$0$0$18,461,437
88$25,456,407$0$0$20,145,344
89$27,789,356$0$0$21,994,736
90$30,351,962$0$0$24,026,295
91$33,167,389$0$0$26,258,399
92$36,261,155$0$0$28,711,291
93$39,661,371$0$0$31,407,276
94$43,399,009$0$0$34,370,926
95$47,508,190$0$0$37,629,312
96$52,026,506$0$0$41,212,259
97$56,995,373$0$0$45,152,625
98$62,460,423$0$0$49,486,616
99$68,471,930$0$0$54,254,119
100$75,085,289$0$0$59,499,084