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%13.2%
1 years$63,421$62,856$62,305$61,767$61,241$60,426
2 years$31,396$30,812$30,245$29,696$29,163$28,342
3 years$20,723$20,136$19,571$19,026$18,502$17,702
4 years$15,387$14,802$14,242$13,707$13,196$12,423
5 years$12,187$11,605$11,053$10,529$10,031$9,288
6 years$10,054$9,476$8,932$8,420$7,937$7,224
7 years$8,531$7,958$7,423$6,922$6,455$5,772
8 years$7,389$6,822$6,295$5,807$5,355$4,702
9 years$6,502$5,939$5,422$4,946$4,510$3,887
10 years$5,792$5,235$4,727$4,264$3,843$3,249
11 years$5,212$4,661$4,162$3,711$3,305$2,740
12 years$4,729$4,183$3,693$3,255$2,864$2,327
13 years$4,320$3,780$3,300$2,873$2,497$1,988
14 years$3,970$3,436$2,965$2,551$2,189$1,707
15 years$3,667$3,139$2,677$2,275$1,927$1,471
16 years$3,403$2,880$2,427$2,037$1,704$1,272
17 years$3,169$2,652$2,208$1,830$1,510$1,103
18 years$2,962$2,451$2,016$1,649$1,343$959
19 years$2,777$2,272$1,846$1,490$1,197$836
20 years$2,610$2,111$1,694$1,350$1,069$729
21 years$2,460$1,966$1,558$1,225$957$637
22 years$2,323$1,835$1,436$1,114$858$558
23 years$2,199$1,717$1,326$1,014$770$489
24 years$2,085$1,608$1,226$925$692$429
25 years$1,980$1,509$1,136$845$623$376
26 years$1,884$1,418$1,053$773$561$331
27 years$1,794$1,335$978$707$506$291
28 years$1,712$1,258$909$648$456$256
29 years$1,635$1,187$846$594$412$225
30 years$1,563$1,121$788$545$372$198
31 years$1,496$1,059$735$501$337$175
32 years$1,434$1,002$685$460$304$154
33 years$1,375$949$640$423$276$136
34 years$1,320$900$598$389$249$120
35 years$1,269$853$559$358$226$105
36 years$1,220$810$523$330$205$93
37 years$1,174$769$490$304$186$82
38 years$1,130$731$458$280$168$72
39 years$1,089$695$430$259$153$64
40 years$1,050$661$403$238$138$56
41 years$1,013$630$377$220$126$50
42 years$978$600$354$203$114$44
43 years$944$571$332$187$103$39
44 years$912$545$312$173$94$34
45 years$882$519$293$160$85$30
46 years$853$495$275$148$77$27
47 years$826$473$258$136$70$24
48 years$799$451$243$126$64$21
49 years$774$431$228$116$58$18
50 years$750$412$215$108$53$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $768,000, adding $5,554 every year, while hoping to spend $41,557 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: 42/41/17 Blend
34$768,000$768,000$768,000$768,000
35$852,065$811,361$799,457$883,395
36$894,759$806,901$782,022$901,602
37$940,416$800,830$762,611$916,808
38$989,292$793,025$741,113$932,394
39$1,041,672$783,356$717,412$948,417
40$1,097,866$771,684$691,389$964,939
41$1,158,215$757,863$662,917$982,032
42$1,223,094$741,739$631,866$999,782
43$1,292,912$723,147$598,096$1,018,282
44$1,368,121$701,913$561,464$1,037,642
45$1,449,217$677,854$521,820$1,057,986
46$1,536,743$650,775$479,007$1,079,455
47$1,631,297$620,469$432,861$1,102,207
48$1,733,537$586,720$383,209$1,126,423
49$1,844,185$549,296$329,873$1,152,307
50$1,964,034$507,953$272,666$1,180,089
51$2,093,957$462,435$211,393$1,210,028
52$2,234,915$412,469$145,849$1,242,416
53$2,387,963$357,766$75,821$1,277,579
54$2,554,262$298,024$1,088$1,315,886
55$2,735,090$232,920$0$1,357,749
56$2,931,851$162,115$0$1,417,899
57$3,146,091$85,250$0$1,483,722
58$3,379,513$1,948$0$1,555,645
59$3,633,989$0$0$1,634,364
60$3,911,578$0$0$1,760,437
61$4,214,550$0$0$1,899,090
62$4,545,400$0$0$2,050,596
63$4,906,878$0$0$2,216,227
64$5,302,009$0$0$2,397,381
65$5,734,123$0$0$2,595,598
66$6,206,890$0$0$2,812,574
67$6,724,347$0$0$3,050,177
68$7,290,942$0$0$3,310,463
69$7,911,572$0$0$3,595,697
70$8,591,631$0$0$3,908,373
71$9,337,057$0$0$4,251,239
72$10,154,393$0$0$4,627,319
73$11,050,843$0$0$5,039,947
74$12,034,344$0$0$5,492,793
75$13,113,635$0$0$5,989,901
76$14,298,345$0$0$6,535,725
77$15,599,080$0$0$7,135,170
78$17,027,523$0$0$7,793,642
79$18,596,543$0$0$8,517,095
80$20,320,317$0$0$9,312,088
81$22,214,465$0$0$10,185,847
82$24,296,192$0$0$11,146,333
83$26,584,455$0$0$12,202,316
84$29,100,138$0$0$13,363,461
85$31,866,248$0$0$14,640,412
86$34,908,134$0$0$16,044,899
87$38,253,727$0$0$17,589,846
88$41,933,796$0$0$19,289,490
89$45,982,246$0$0$21,159,522
90$50,436,430$0$0$23,217,225
91$55,337,506$0$0$25,481,646
92$60,730,825$0$0$27,973,770
93$66,666,351$0$0$30,716,720
94$73,199,143$0$0$33,735,975
95$80,389,863$0$0$37,059,607
96$88,305,355$0$0$40,718,550
97$97,019,273$0$0$44,746,890
98$106,612,774$0$0$49,182,184
99$117,175,284$0$0$54,065,819
100$128,805,343$0$0$59,443,396