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%18.9%
1 years$63,090$62,528$61,980$61,445$60,922$58,737
2 years$31,233$30,651$30,087$29,541$29,011$26,833
3 years$20,615$20,031$19,469$18,927$18,406$16,304
4 years$15,307$14,725$14,168$13,636$13,127$11,117
5 years$12,123$11,544$10,995$10,474$9,979$8,066
6 years$10,001$9,427$8,886$8,376$7,896$6,081
7 years$8,486$7,917$7,384$6,886$6,422$4,705
8 years$7,351$6,786$6,262$5,777$5,327$3,707
9 years$6,468$5,908$5,394$4,920$4,486$2,961
10 years$5,762$5,208$4,702$4,242$3,823$2,389
11 years$5,185$4,636$4,140$3,691$3,288$1,943
12 years$4,704$4,161$3,674$3,238$2,849$1,590
13 years$4,298$3,761$3,282$2,859$2,484$1,307
14 years$3,950$3,418$2,949$2,537$2,178$1,079
15 years$3,648$3,123$2,663$2,263$1,917$894
16 years$3,385$2,865$2,414$2,026$1,695$742
17 years$3,153$2,639$2,197$1,821$1,503$618
18 years$2,946$2,438$2,005$1,641$1,336$515
19 years$2,762$2,260$1,836$1,483$1,191$430
20 years$2,597$2,100$1,685$1,343$1,064$359
21 years$2,447$1,956$1,550$1,219$952$301
22 years$2,311$1,826$1,428$1,108$853$252
23 years$2,187$1,708$1,319$1,009$766$211
24 years$2,074$1,600$1,220$920$688$177
25 years$1,970$1,501$1,130$840$619$148
26 years$1,874$1,411$1,048$769$558$125
27 years$1,785$1,328$973$703$503$105
28 years$1,703$1,251$904$644$454$88
29 years$1,626$1,181$842$591$410$74
30 years$1,555$1,115$784$542$370$62
31 years$1,489$1,054$731$498$335$52
32 years$1,427$997$682$458$303$44
33 years$1,368$944$637$421$274$37
34 years$1,313$895$595$387$248$31
35 years$1,262$849$556$357$225$26
36 years$1,213$806$520$328$204$22
37 years$1,168$765$487$303$185$18
38 years$1,124$727$456$279$167$15
39 years$1,083$692$427$257$152$13
40 years$1,045$658$400$237$138$11
41 years$1,008$626$376$219$125$9
42 years$973$597$352$202$113$8
43 years$939$568$331$186$103$6
44 years$908$542$310$172$93$5
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 $5,242 every year, while hoping to spend $33,670 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: 21/50/29 Blend
34$764,000$764,000$764,000$764,000
35$847,335$806,843$795,001$857,252
36$897,939$810,554$785,809$870,448
37$952,575$813,318$775,181$881,419
38$1,011,621$815,053$763,032$892,418
39$1,075,488$815,673$749,276$903,467
40$1,144,632$815,085$733,820$914,596
41$1,219,551$813,190$716,569$925,841
42$1,300,793$809,885$697,423$937,243
43$1,388,963$805,058$676,276$948,853
44$1,484,724$798,593$653,018$960,731
45$1,588,807$790,365$627,535$972,945
46$1,702,014$780,242$599,706$985,576
47$1,825,230$768,084$569,406$998,718
48$1,959,426$753,743$536,504$1,012,479
49$2,105,673$737,062$500,863$1,026,983
50$2,265,149$717,875$462,338$1,042,372
51$2,439,148$696,005$420,781$1,058,811
52$2,629,099$671,267$376,035$1,076,483
53$2,836,572$643,463$327,937$1,095,600
54$3,063,294$612,385$276,315$1,116,403
55$3,311,171$577,812$220,992$1,139,161
56$3,582,296$539,511$161,781$1,164,183
57$3,878,978$497,235$98,488$1,191,814
58$4,203,756$450,722$30,910$1,222,445
59$4,559,430$399,698$0$1,256,515
60$4,949,079$343,871$0$1,307,270
61$5,376,098$282,933$0$1,373,548
62$5,844,221$216,558$0$1,446,470
63$6,357,566$144,404$0$1,526,806
64$6,920,665$66,106$0$1,615,415
65$7,538,510$0$0$1,713,251
66$8,216,602$0$0$1,831,671
67$8,960,998$0$0$2,001,740
68$9,778,371$0$0$2,188,628
69$10,676,072$0$0$2,394,034
70$11,662,197$0$0$2,619,830
71$12,745,669$0$0$2,868,077
72$13,936,312$0$0$3,141,048
73$15,244,956$0$0$3,441,245
74$16,683,525$0$0$3,771,426
75$18,265,162$0$0$4,134,630
76$20,004,342$0$0$4,534,204
77$21,917,018$0$0$4,973,837
78$24,020,762$0$0$5,457,592
79$26,334,936$0$0$5,989,947
80$28,880,874$0$0$6,575,837
81$31,682,080$0$0$7,220,697
82$34,764,453$0$0$7,930,518
83$38,156,528$0$0$8,711,900
84$41,889,747$0$0$9,572,116
85$45,998,754$0$0$10,519,179
86$50,521,722$0$0$11,561,920
87$55,500,712$0$0$12,710,068
88$60,982,070$0$0$13,974,346
89$67,016,867$0$0$15,366,568
90$73,661,373$0$0$16,899,752
91$80,977,595$0$0$18,588,242
92$89,033,860$0$0$20,447,848
93$97,905,454$0$0$22,495,987
94$107,675,341$0$0$24,751,853
95$118,434,937$0$0$27,236,598
96$130,284,979$0$0$29,973,529
97$143,336,470$0$0$32,988,329
98$157,711,729$0$0$36,309,299
99$173,545,545$0$0$39,967,628
100$190,986,447$0$0$43,997,682