Can I retire at age 35 with 766,000?

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 $766,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$63,256$62,692$62,142$61,606$61,082$60,799
2 years$31,315$30,731$30,166$29,618$29,087$28,801
3 years$20,669$20,083$19,520$18,977$18,454$18,174
4 years$15,347$14,763$14,205$13,672$13,161$12,890
5 years$12,155$11,575$11,024$10,501$10,005$9,743
6 years$10,028$9,452$8,909$8,398$7,917$7,664
7 years$8,509$7,937$7,403$6,904$6,438$6,195
8 years$7,370$6,804$6,279$5,792$5,341$5,108
9 years$6,485$5,924$5,408$4,933$4,498$4,274
10 years$5,777$5,222$4,715$4,253$3,833$3,618
11 years$5,198$4,649$4,151$3,701$3,296$3,091
12 years$4,716$4,172$3,684$3,246$2,856$2,661
13 years$4,309$3,771$3,291$2,866$2,491$2,304
14 years$3,960$3,427$2,957$2,544$2,183$2,005
15 years$3,658$3,131$2,670$2,269$1,922$1,753
16 years$3,394$2,873$2,421$2,032$1,699$1,538
17 years$3,161$2,646$2,203$1,825$1,507$1,354
18 years$2,954$2,445$2,011$1,645$1,340$1,194
19 years$2,769$2,266$1,841$1,486$1,194$1,056
20 years$2,603$2,105$1,689$1,346$1,066$936
21 years$2,453$1,961$1,554$1,222$954$831
22 years$2,317$1,831$1,432$1,111$855$739
23 years$2,193$1,712$1,322$1,012$768$658
24 years$2,079$1,604$1,223$923$690$587
25 years$1,975$1,505$1,133$843$621$523
26 years$1,879$1,415$1,050$771$559$467
27 years$1,790$1,331$975$705$504$418
28 years$1,707$1,255$907$646$455$374
29 years$1,631$1,184$844$593$411$335
30 years$1,559$1,118$786$544$371$300
31 years$1,493$1,057$733$499$336$269
32 years$1,430$1,000$684$459$304$241
33 years$1,372$947$638$422$275$216
34 years$1,317$897$596$388$249$194
35 years$1,265$851$558$358$225$174
36 years$1,217$808$522$329$204$156
37 years$1,171$767$488$303$185$140
38 years$1,127$729$457$280$168$126
39 years$1,086$693$428$258$152$113
40 years$1,047$660$402$238$138$102
41 years$1,010$628$377$219$125$91
42 years$975$598$353$202$114$82
43 years$942$570$331$187$103$74
44 years$910$543$311$173$94$66
45 years$880$518$292$159$85$60
46 years$851$494$274$147$77$54
47 years$823$472$258$136$70$48
48 years$797$450$242$126$64$43
49 years$772$430$228$116$58$39
50 years$748$411$214$107$52$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $766,000, adding $2,476 every year, while hoping to spend $54,806 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: 61/16/23 Blend
34$766,000$766,000$766,000$766,000
35$846,686$806,088$794,215$893,043
36$874,735$787,273$762,508$905,937
37$903,808$765,700$727,902$913,776
38$933,951$741,174$690,242$921,118
39$965,215$713,492$649,366$927,924
40$997,652$682,438$605,105$934,152
41$1,031,318$647,783$557,281$939,760
42$1,066,273$609,285$505,710$944,704
43$1,102,581$566,688$450,199$948,938
44$1,140,309$519,721$390,547$952,415
45$1,179,532$468,099$326,542$955,086
46$1,220,328$411,519$257,964$956,901
47$1,262,780$349,662$184,584$957,808
48$1,306,978$282,190$106,162$957,754
49$1,353,019$208,747$22,449$956,686
50$1,401,008$128,956$0$954,547
51$1,451,056$42,420$0$967,697
52$1,503,284$0$0$986,611
53$1,557,822$0$0$1,014,815
54$1,614,811$0$0$1,052,104
55$1,674,402$0$0$1,091,111
56$1,736,761$0$0$1,131,944
57$1,802,064$0$0$1,174,723
58$1,870,506$0$0$1,219,576
59$1,942,294$0$0$1,266,642
60$2,017,656$0$0$1,316,073
61$2,096,838$0$0$1,368,034
62$2,180,109$0$0$1,422,702
63$2,267,759$0$0$1,480,274
64$2,360,105$0$0$1,540,960
65$2,457,494$0$0$1,604,992
66$2,560,301$0$0$1,672,621
67$2,668,936$0$0$1,744,121
68$2,783,848$0$0$1,819,792
69$2,905,526$0$0$1,899,962
70$3,034,503$0$0$1,984,988
71$3,171,363$0$0$2,075,260
72$3,316,745$0$0$2,171,205
73$3,471,344$0$0$2,273,291
74$3,635,927$0$0$2,382,030
75$3,811,327$0$0$2,497,981
76$3,998,462$0$0$2,621,759
77$4,198,333$0$0$2,754,034
78$4,412,039$0$0$2,895,545
79$4,640,787$0$0$3,047,098
80$4,885,896$0$0$3,209,581
81$5,148,816$0$0$3,383,964
82$5,431,138$0$0$3,571,316
83$5,734,607$0$0$3,772,806
84$6,061,138$0$0$3,989,721
85$6,412,837$0$0$4,223,471
86$6,792,012$0$0$4,475,609
87$7,201,203$0$0$4,747,836
88$7,643,198$0$0$5,042,026
89$8,121,063$0$0$5,360,236
90$8,638,164$0$0$5,704,726
91$9,198,206$0$0$6,077,984
92$9,805,258$0$0$6,482,742
93$10,463,799$0$0$6,922,006
94$11,178,750$0$0$7,399,084
95$11,955,527$0$0$7,917,611
96$12,800,086$0$0$8,481,588
97$13,718,981$0$0$9,095,416
98$14,719,422$0$0$9,763,940
99$15,809,342$0$0$10,492,487
100$16,997,473$0$0$11,286,925