Can I retire at age 35 with 768,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%17.8%
1 years$63,421$62,856$62,305$61,767$61,241$59,305
2 years$31,396$30,812$30,245$29,696$29,163$27,229
3 years$20,723$20,136$19,571$19,026$18,502$16,632
4 years$15,387$14,802$14,242$13,707$13,196$11,404
5 years$12,187$11,605$11,053$10,529$10,031$8,322
6 years$10,054$9,476$8,932$8,420$7,937$6,313
7 years$8,531$7,958$7,423$6,922$6,455$4,915
8 years$7,389$6,822$6,295$5,807$5,355$3,898
9 years$6,502$5,939$5,422$4,946$4,510$3,134
10 years$5,792$5,235$4,727$4,264$3,843$2,546
11 years$5,212$4,661$4,162$3,711$3,305$2,085
12 years$4,729$4,183$3,693$3,255$2,864$1,719
13 years$4,320$3,780$3,300$2,873$2,497$1,424
14 years$3,970$3,436$2,965$2,551$2,189$1,185
15 years$3,667$3,139$2,677$2,275$1,927$989
16 years$3,403$2,880$2,427$2,037$1,704$828
17 years$3,169$2,652$2,208$1,830$1,510$695
18 years$2,962$2,451$2,016$1,649$1,343$584
19 years$2,777$2,272$1,846$1,490$1,197$491
20 years$2,610$2,111$1,694$1,350$1,069$414
21 years$2,460$1,966$1,558$1,225$957$350
22 years$2,323$1,835$1,436$1,114$858$295
23 years$2,199$1,717$1,326$1,014$770$250
24 years$2,085$1,608$1,226$925$692$211
25 years$1,980$1,509$1,136$845$623$179
26 years$1,884$1,418$1,053$773$561$151
27 years$1,794$1,335$978$707$506$128
28 years$1,712$1,258$909$648$456$109
29 years$1,635$1,187$846$594$412$92
30 years$1,563$1,121$788$545$372$78
31 years$1,496$1,059$735$501$337$66
32 years$1,434$1,002$685$460$304$56
33 years$1,375$949$640$423$276$48
34 years$1,320$900$598$389$249$40
35 years$1,269$853$559$358$226$34
36 years$1,220$810$523$330$205$29
37 years$1,174$769$490$304$186$25
38 years$1,130$731$458$280$168$21
39 years$1,089$695$430$259$153$18
40 years$1,050$661$403$238$138$15
41 years$1,013$630$377$220$126$13
42 years$978$600$354$203$114$11
43 years$944$571$332$187$103$9
44 years$912$545$312$173$94$8
45 years$882$519$293$160$85$7
46 years$853$495$275$148$77$6
47 years$826$473$258$136$70$5
48 years$799$451$243$126$64$4
49 years$774$431$228$116$58$3
50 years$750$412$215$108$53$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $768,000, adding $6,748 every year, while hoping to spend $38,093 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: 40/42/18 Blend
34$768,000$768,000$768,000$768,000
35$853,297$812,593$800,689$882,628
36$899,802$811,879$786,981$903,465
37$949,775$809,854$771,537$921,813
38$1,003,527$806,412$754,260$940,866
39$1,061,404$801,444$735,045$960,706
40$1,123,784$794,830$713,785$981,429
41$1,191,080$786,448$690,367$1,003,141
42$1,263,750$776,164$664,674$1,025,964
43$1,342,295$763,838$636,583$1,050,033
44$1,427,265$749,322$605,964$1,075,504
45$1,519,265$732,458$572,684$1,102,547
46$1,618,962$713,080$536,600$1,131,357
47$1,727,087$691,012$497,567$1,162,151
48$1,844,445$666,066$455,431$1,195,175
49$1,971,921$638,046$410,030$1,230,700
50$2,110,489$606,742$361,198$1,269,033
51$2,261,220$571,934$308,759$1,310,517
52$2,425,292$533,386$252,531$1,355,534
53$2,604,003$490,853$192,321$1,404,511
54$2,798,779$444,073$127,932$1,457,926
55$3,011,191$392,769$59,155$1,516,309
56$3,242,968$336,650$0$1,580,255
57$3,496,012$275,407$0$1,653,160
58$3,772,418$208,715$0$1,745,325
59$4,074,491$136,228$0$1,846,244
60$4,404,770$57,585$0$1,956,873
61$4,766,050$0$0$2,078,276
62$5,161,409$0$0$2,224,385
63$5,594,234$0$0$2,413,576
64$6,068,258$0$0$2,620,876
65$6,587,590$0$0$2,848,097
66$7,156,756$0$0$3,097,230
67$7,780,739$0$0$3,370,471
68$8,465,029$0$0$3,670,239
69$9,215,673$0$0$3,999,197
70$10,039,329$0$0$4,360,278
71$10,943,334$0$0$4,756,714
72$11,935,767$0$0$5,192,064
73$13,025,528$0$0$5,670,251
74$14,222,424$0$0$6,195,593
75$15,537,253$0$0$6,772,850
76$16,981,916$0$0$7,407,264
77$18,569,520$0$0$8,104,611
78$20,314,506$0$0$8,871,255
79$22,232,785$0$0$9,714,206
80$24,341,882$0$0$10,641,187
81$26,661,111$0$0$11,660,708
82$29,211,746$0$0$12,782,145
83$32,017,228$0$0$14,015,829
84$35,103,385$0$0$15,373,140
85$38,498,673$0$0$16,866,619
86$42,234,444$0$0$18,510,084
87$46,345,245$0$0$20,318,759
88$50,869,138$0$0$22,309,419
89$55,848,064$0$0$24,500,548
90$61,328,234$0$0$26,912,512
91$67,360,567$0$0$29,567,754
92$74,001,168$0$0$32,491,000
93$81,311,860$0$0$35,709,499
94$89,360,764$0$0$39,253,274
95$98,222,942$0$0$43,155,408
96$107,981,104$0$0$47,452,356
97$118,726,391$0$0$52,184,288
98$130,559,230$0$0$57,395,469
99$143,590,285$0$0$63,134,674
100$157,941,499$0$0$69,455,652