Can I retire at age 35 with 768,000?

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 $768,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$63,421$62,856$62,305$61,767$61,241$60,881
2 years$31,396$30,812$30,245$29,696$29,163$28,799
3 years$20,723$20,136$19,571$19,026$18,502$18,146
4 years$15,387$14,802$14,242$13,707$13,196$12,851
5 years$12,187$11,605$11,053$10,529$10,031$9,698
6 years$10,054$9,476$8,932$8,420$7,937$7,617
7 years$8,531$7,958$7,423$6,922$6,455$6,147
8 years$7,389$6,822$6,295$5,807$5,355$5,059
9 years$6,502$5,939$5,422$4,946$4,510$4,226
10 years$5,792$5,235$4,727$4,264$3,843$3,571
11 years$5,212$4,661$4,162$3,711$3,305$3,045
12 years$4,729$4,183$3,693$3,255$2,864$2,616
13 years$4,320$3,780$3,300$2,873$2,497$2,261
14 years$3,970$3,436$2,965$2,551$2,189$1,964
15 years$3,667$3,139$2,677$2,275$1,927$1,714
16 years$3,403$2,880$2,427$2,037$1,704$1,500
17 years$3,169$2,652$2,208$1,830$1,510$1,318
18 years$2,962$2,451$2,016$1,649$1,343$1,160
19 years$2,777$2,272$1,846$1,490$1,197$1,024
20 years$2,610$2,111$1,694$1,350$1,069$906
21 years$2,460$1,966$1,558$1,225$957$802
22 years$2,323$1,835$1,436$1,114$858$712
23 years$2,199$1,717$1,326$1,014$770$632
24 years$2,085$1,608$1,226$925$692$562
25 years$1,980$1,509$1,136$845$623$501
26 years$1,884$1,418$1,053$773$561$446
27 years$1,794$1,335$978$707$506$398
28 years$1,712$1,258$909$648$456$355
29 years$1,635$1,187$846$594$412$317
30 years$1,563$1,121$788$545$372$283
31 years$1,496$1,059$735$501$337$253
32 years$1,434$1,002$685$460$304$226
33 years$1,375$949$640$423$276$203
34 years$1,320$900$598$389$249$181
35 years$1,269$853$559$358$226$162
36 years$1,220$810$523$330$205$145
37 years$1,174$769$490$304$186$130
38 years$1,130$731$458$280$168$117
39 years$1,089$695$430$259$153$105
40 years$1,050$661$403$238$138$94
41 years$1,013$630$377$220$126$84
42 years$978$600$354$203$114$75
43 years$944$571$332$187$103$68
44 years$912$545$312$173$94$61
45 years$882$519$293$160$85$54
46 years$853$495$275$148$77$49
47 years$826$473$258$136$70$44
48 years$799$451$243$126$64$39
49 years$774$431$228$116$58$35
50 years$750$412$215$108$53$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $768,000, adding $6,923 every year, while hoping to spend $28,040 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: 45/39/16 Blend
34$768,000$768,000$768,000$768,000
35$853,477$812,773$800,869$887,682
36$910,697$822,765$797,864$922,250
37$972,814$832,306$793,818$956,355
38$1,040,298$841,345$788,668$992,734
39$1,113,665$849,828$782,344$1,031,612
40$1,193,484$857,695$774,778$1,073,234
41$1,280,381$864,883$765,894$1,117,873
42$1,375,043$871,326$755,616$1,165,830
43$1,478,229$876,953$743,861$1,217,437
44$1,590,773$881,688$730,544$1,273,065
45$1,713,592$885,450$715,577$1,333,120
46$1,847,695$888,155$698,866$1,398,052
47$1,994,196$889,710$680,314$1,468,361
48$2,154,318$890,020$659,819$1,544,596
49$2,329,409$888,981$637,273$1,627,367
50$2,520,953$886,486$612,566$1,717,345
51$2,730,583$882,417$585,580$1,815,276
52$2,960,100$876,652$556,194$1,921,981
53$3,211,483$869,061$524,280$2,038,368
54$3,486,915$859,506$489,704$2,165,440
55$3,788,799$847,840$452,328$2,304,307
56$4,119,781$833,909$412,005$2,456,193
57$4,482,776$817,548$368,585$2,622,452
58$4,880,994$798,582$321,907$2,804,577
59$5,317,970$776,828$271,806$3,004,220
60$5,797,601$752,090$218,109$3,223,203
61$6,324,175$724,161$160,634$3,463,541
62$6,902,419$692,823$99,194$3,727,456
63$7,537,540$657,845$33,591$4,017,402
64$8,235,271$618,982$0$4,336,090
65$9,001,932$575,975$0$4,692,729
66$9,844,481$528,551$0$5,090,928
67$10,770,588$476,419$0$5,528,631
68$11,788,700$419,276$0$6,009,901
69$12,908,124$356,797$0$6,539,221
70$14,139,114$288,641$0$7,121,538
71$15,492,967$214,448$0$7,762,304
72$16,982,131$133,837$0$8,467,537
73$18,620,319$46,406$0$9,243,873
74$20,422,641$0$0$10,098,631
75$22,405,747$0$0$11,060,598
76$24,587,979$0$0$12,141,179
77$26,989,550$0$0$13,330,480
78$29,632,729$0$0$14,639,543
79$32,542,055$0$0$16,080,535
80$35,744,566$0$0$17,666,862
81$39,270,055$0$0$19,413,298
82$43,151,349$0$0$21,336,119
83$47,424,621$0$0$23,453,262
84$52,129,730$0$0$25,784,490
85$57,310,596$0$0$28,351,582
86$63,015,614$0$0$31,178,535
87$69,298,114$0$0$34,291,793
88$76,216,857$0$0$37,720,494
89$83,836,599$0$0$41,496,747
90$92,228,691$0$0$45,655,934
91$101,471,760$0$0$50,237,044
92$111,652,448$0$0$55,283,039
93$122,866,230$0$0$60,841,263
94$135,218,312$0$0$66,963,885
95$148,824,627$0$0$73,708,394
96$163,812,930$0$0$81,138,141
97$180,323,997$0$0$89,322,933
98$198,512,961$0$0$98,339,698
99$218,550,770$0$0$108,273,207
100$240,625,805$0$0$119,216,874