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%
1 years$63,090$62,528$61,980$61,445$60,922$58,949
2 years$31,233$30,651$30,087$29,541$29,011$27,041
3 years$20,615$20,031$19,469$18,927$18,406$16,501
4 years$15,307$14,725$14,168$13,636$13,127$11,303
5 years$12,123$11,544$10,995$10,474$9,979$8,240
6 years$10,001$9,427$8,886$8,376$7,896$6,243
7 years$8,486$7,917$7,384$6,886$6,422$4,855
8 years$7,351$6,786$6,262$5,777$5,327$3,846
9 years$6,468$5,908$5,394$4,920$4,486$3,089
10 years$5,762$5,208$4,702$4,242$3,823$2,506
11 years$5,185$4,636$4,140$3,691$3,288$2,050
12 years$4,704$4,161$3,674$3,238$2,849$1,688
13 years$4,298$3,761$3,282$2,859$2,484$1,396
14 years$3,950$3,418$2,949$2,537$2,178$1,160
15 years$3,648$3,123$2,663$2,263$1,917$967
16 years$3,385$2,865$2,414$2,026$1,695$808
17 years$3,153$2,639$2,197$1,821$1,503$677
18 years$2,946$2,438$2,005$1,641$1,336$568
19 years$2,762$2,260$1,836$1,483$1,191$478
20 years$2,597$2,100$1,685$1,343$1,064$402
21 years$2,447$1,956$1,550$1,219$952$339
22 years$2,311$1,826$1,428$1,108$853$286
23 years$2,187$1,708$1,319$1,009$766$241
24 years$2,074$1,600$1,220$920$688$204
25 years$1,970$1,501$1,130$840$619$172
26 years$1,874$1,411$1,048$769$558$145
27 years$1,785$1,328$973$703$503$123
28 years$1,703$1,251$904$644$454$104
29 years$1,626$1,181$842$591$410$88
30 years$1,555$1,115$784$542$370$75
31 years$1,489$1,054$731$498$335$63
32 years$1,427$997$682$458$303$53
33 years$1,368$944$637$421$274$45
34 years$1,313$895$595$387$248$38
35 years$1,262$849$556$357$225$32
36 years$1,213$806$520$328$204$27
37 years$1,168$765$487$303$185$23
38 years$1,124$727$456$279$167$20
39 years$1,083$692$427$257$152$17
40 years$1,045$658$400$237$138$14
41 years$1,008$626$376$219$125$12
42 years$973$597$352$202$113$10
43 years$939$568$331$186$103$9
44 years$908$542$310$172$93$7
45 years$878$517$291$159$85$6
46 years$849$493$274$147$77$5
47 years$821$470$257$136$70$4
48 years$795$449$242$125$63$4
49 years$770$429$227$116$58$3
50 years$746$410$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 $764,000, adding $4,132 every year, while hoping to spend $46,145 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: 63/15/22 Blend
34$764,000$764,000$764,000$764,000
35$846,190$805,698$793,856$894,415
36$883,404$796,079$771,352$917,835
37$922,866$784,443$746,548$937,884
38$964,759$770,641$719,318$958,731
39$1,009,279$754,517$689,530$980,459
40$1,056,643$735,905$657,046$1,003,162
41$1,107,087$714,631$621,723$1,026,943
42$1,160,870$690,508$583,412$1,051,918
43$1,218,276$663,341$541,953$1,078,219
44$1,279,616$632,920$497,185$1,105,991
45$1,345,231$599,027$448,934$1,135,397
46$1,415,493$561,429$397,023$1,166,620
47$1,490,814$519,879$341,263$1,199,863
48$1,571,642$474,118$281,461$1,235,352
49$1,658,470$423,871$217,410$1,273,342
50$1,751,841$368,847$148,900$1,314,113
51$1,852,348$308,740$75,707$1,357,979
52$1,960,643$243,224$0$1,405,291
53$2,077,445$171,958$0$1,457,001
54$2,203,540$94,580$0$1,531,979
55$2,339,794$10,707$0$1,612,976
56$2,487,157$0$0$1,700,589
57$2,646,677$0$0$1,808,690
58$2,819,500$0$0$1,927,767
59$3,006,892$0$0$2,056,931
60$3,210,242$0$0$2,197,143
61$3,431,077$0$0$2,349,465
62$3,671,080$0$0$2,515,063
63$3,932,099$0$0$2,695,219
64$4,216,169$0$0$2,891,345
65$4,525,528$0$0$3,104,994
66$4,862,641$0$0$3,337,875
67$5,230,217$0$0$3,591,869
68$5,631,241$0$0$3,869,047
69$6,068,997$0$0$4,171,688
70$6,547,100$0$0$4,502,300
71$7,069,530$0$0$4,863,646
72$7,640,669$0$0$5,258,765
73$8,265,341$0$0$5,691,005
74$8,948,857$0$0$6,164,053
75$9,697,066$0$0$6,681,968
76$10,516,408$0$0$7,249,219
77$11,413,975$0$0$7,870,729
78$12,397,578$0$0$8,551,919
79$13,475,819$0$0$9,298,759
80$14,658,173$0$0$10,117,826
81$15,955,072$0$0$11,016,360
82$17,378,011$0$0$12,002,340
83$18,939,648$0$0$13,084,554
84$20,653,929$0$0$14,272,679
85$22,536,212$0$0$15,577,378
86$24,603,420$0$0$17,010,396
87$26,874,191$0$0$18,584,672
88$29,369,059$0$0$20,314,460
89$32,110,646$0$0$22,215,461
90$35,123,871$0$0$24,304,976
91$38,436,190$0$0$26,602,063
92$42,077,851$0$0$29,127,720
93$46,082,179$0$0$31,905,078
94$50,485,888$0$0$34,959,627
95$55,329,429$0$0$38,319,448
96$60,657,373$0$0$42,015,479
97$66,518,824$0$0$46,081,809
98$72,967,886$0$0$50,555,999
99$80,064,173$0$0$55,479,433
100$87,873,368$0$0$60,897,708