Can I retire at age 35 with 767,000?

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 $767,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$63,338$62,774$62,224$61,686$61,162$59,976
2 years$31,356$30,772$30,206$29,657$29,125$27,935
3 years$20,696$20,110$19,545$19,001$18,478$17,321
4 years$15,367$14,783$14,224$13,689$13,179$12,064
5 years$12,171$11,590$11,038$10,515$10,018$8,948
6 years$10,041$9,464$8,921$8,409$7,927$6,904
7 years$8,520$7,948$7,413$6,913$6,447$5,470
8 years$7,380$6,813$6,287$5,799$5,348$4,418
9 years$6,493$5,932$5,415$4,940$4,504$3,619
10 years$5,784$5,229$4,721$4,258$3,838$2,998
11 years$5,205$4,655$4,156$3,706$3,300$2,504
12 years$4,722$4,178$3,688$3,251$2,860$2,107
13 years$4,314$3,775$3,295$2,870$2,494$1,782
14 years$3,965$3,432$2,961$2,547$2,186$1,514
15 years$3,663$3,135$2,673$2,272$1,925$1,292
16 years$3,398$2,876$2,424$2,034$1,701$1,106
17 years$3,165$2,649$2,206$1,828$1,508$949
18 years$2,958$2,448$2,013$1,647$1,341$816
19 years$2,773$2,269$1,843$1,488$1,196$703
20 years$2,607$2,108$1,692$1,348$1,068$607
21 years$2,457$1,964$1,556$1,223$956$524
22 years$2,320$1,833$1,434$1,112$857$454
23 years$2,196$1,714$1,324$1,013$769$393
24 years$2,082$1,606$1,224$924$691$341
25 years$1,977$1,507$1,134$844$622$295
26 years$1,881$1,417$1,052$772$560$257
27 years$1,792$1,333$977$706$505$223
28 years$1,709$1,256$908$647$456$194
29 years$1,633$1,185$845$593$412$168
30 years$1,561$1,119$787$545$372$146
31 years$1,495$1,058$734$500$336$127
32 years$1,432$1,001$685$460$304$111
33 years$1,374$948$639$423$275$96
34 years$1,319$899$597$389$249$84
35 years$1,267$852$558$358$226$73
36 years$1,218$809$522$330$204$64
37 years$1,172$768$489$304$185$55
38 years$1,129$730$458$280$168$48
39 years$1,088$694$429$258$152$42
40 years$1,049$661$402$238$138$37
41 years$1,012$629$377$220$125$32
42 years$977$599$354$203$114$28
43 years$943$571$332$187$103$24
44 years$911$544$311$173$94$21
45 years$881$519$292$160$85$18
46 years$852$495$275$147$77$16
47 years$825$472$258$136$70$14
48 years$798$451$243$126$64$12
49 years$773$430$228$116$58$11
50 years$749$411$214$108$53$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $767,000, adding $2,096 every year, while hoping to spend $54,176 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: 43/45/12 Blend
34$767,000$767,000$767,000$767,000
35$847,396$806,745$794,857$880,798
36$876,188$788,633$763,841$886,227
37$906,100$767,817$729,971$886,502
38$937,191$744,109$693,094$885,600
39$969,521$717,306$653,049$883,437
40$1,003,156$687,198$609,670$879,922
41$1,038,166$653,559$562,782$874,961
42$1,074,626$616,151$512,203$868,455
43$1,112,619$574,723$457,743$860,301
44$1,152,231$529,009$399,202$850,390
45$1,193,556$478,729$336,373$838,608
46$1,236,696$423,584$269,038$824,836
47$1,281,760$363,260$196,972$808,950
48$1,328,867$297,427$119,938$790,821
49$1,378,144$225,734$37,689$770,312
50$1,429,730$147,811$0$747,284
51$1,483,775$63,266$0$728,002
52$1,540,441$0$0$711,467
53$1,599,905$0$0$706,748
54$1,662,358$0$0$734,723
55$1,728,008$0$0$764,162
56$1,797,080$0$0$795,171
57$1,869,822$0$0$827,864
58$1,946,501$0$0$862,367
59$2,027,409$0$0$898,815
60$2,112,864$0$0$937,359
61$2,203,213$0$0$978,161
62$2,298,835$0$0$1,021,398
63$2,400,144$0$0$1,067,265
64$2,507,591$0$0$1,115,972
65$2,621,671$0$0$1,167,754
66$2,742,923$0$0$1,222,862
67$2,871,939$0$0$1,281,575
68$3,009,366$0$0$1,344,198
69$3,155,912$0$0$1,411,063
70$3,312,353$0$0$1,482,535
71$3,479,538$0$0$1,559,015
72$3,658,400$0$0$1,640,942
73$3,849,961$0$0$1,728,797
74$4,055,340$0$0$1,823,109
75$4,275,768$0$0$1,924,456
76$4,512,593$0$0$2,033,476
77$4,767,296$0$0$2,150,866
78$5,041,503$0$0$2,277,395
79$5,336,999$0$0$2,413,904
80$5,655,746$0$0$2,561,320
81$5,999,897$0$0$2,720,660
82$6,371,821$0$0$2,893,043
83$6,774,119$0$0$3,079,697
84$7,209,651$0$0$3,281,974
85$7,681,561$0$0$3,501,360
86$8,193,307$0$0$3,739,490
87$8,748,690$0$0$3,998,159
88$9,351,892$0$0$4,279,346
89$10,007,511$0$0$4,585,226
90$10,720,608$0$0$4,918,190
91$11,496,750$0$0$5,280,874
92$12,342,060$0$0$5,676,173
93$13,263,281$0$0$6,107,277
94$14,267,830$0$0$6,577,696
95$15,363,871$0$0$7,091,294
96$16,560,391$0$0$7,652,322
97$17,867,283$0$0$8,265,464
98$19,295,435$0$0$8,935,873
99$20,856,839$0$0$9,669,224
100$22,564,694$0$0$10,471,768