Can I retire at age 35 with 769,000?

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 $769,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$63,503$62,938$62,386$61,847$61,321$59,075
2 years$31,437$30,852$30,284$29,734$29,201$26,963
3 years$20,750$20,162$19,596$19,051$18,526$16,367
4 years$15,407$14,821$14,261$13,725$13,213$11,149
5 years$12,203$11,620$11,067$10,542$10,044$8,080
6 years$10,067$9,489$8,944$8,431$7,948$6,086
7 years$8,542$7,969$7,432$6,931$6,464$4,703
8 years$7,399$6,830$6,303$5,815$5,362$3,701
9 years$6,510$5,947$5,429$4,953$4,516$2,952
10 years$5,800$5,242$4,733$4,269$3,848$2,379
11 years$5,219$4,667$4,167$3,716$3,309$1,932
12 years$4,735$4,189$3,698$3,259$2,868$1,579
13 years$4,326$3,785$3,304$2,877$2,501$1,297
14 years$3,975$3,441$2,969$2,554$2,192$1,069
15 years$3,672$3,143$2,680$2,278$1,930$884
16 years$3,407$2,884$2,430$2,040$1,706$733
17 years$3,173$2,656$2,211$1,832$1,512$609
18 years$2,966$2,454$2,019$1,651$1,345$507
19 years$2,780$2,274$1,848$1,492$1,199$423
20 years$2,614$2,114$1,696$1,351$1,071$353
21 years$2,463$1,969$1,560$1,227$958$295
22 years$2,326$1,838$1,438$1,115$859$246
23 years$2,202$1,719$1,327$1,016$771$206
24 years$2,087$1,610$1,228$926$693$173
25 years$1,983$1,511$1,137$846$624$145
26 years$1,886$1,420$1,055$774$562$121
27 years$1,797$1,337$979$708$506$102
28 years$1,714$1,260$910$649$457$85
29 years$1,637$1,188$847$595$413$71
30 years$1,565$1,122$789$546$373$60
31 years$1,498$1,061$736$501$337$50
32 years$1,436$1,004$686$461$305$42
33 years$1,377$951$641$424$276$35
34 years$1,322$901$599$390$250$30
35 years$1,270$855$560$359$226$25
36 years$1,221$811$524$331$205$21
37 years$1,175$770$490$305$186$18
38 years$1,132$732$459$281$168$15
39 years$1,090$696$430$259$153$12
40 years$1,051$662$403$239$139$10
41 years$1,014$630$378$220$126$9
42 years$979$600$355$203$114$7
43 years$946$572$333$188$104$6
44 years$914$545$312$173$94$5
45 years$883$520$293$160$85$4
46 years$854$496$275$148$77$4
47 years$827$473$259$137$70$3
48 years$800$452$243$126$64$3
49 years$775$432$229$117$58$2
50 years$751$412$215$108$53$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $769,000, adding $5,788 every year, while hoping to spend $35,024 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: 47/28/25 Blend
34$769,000$769,000$769,000$769,000
35$853,408$812,651$800,732$887,177
36$903,191$815,206$790,291$914,042
37$956,877$816,712$778,327$939,282
38$1,014,829$817,081$764,751$965,983
39$1,077,442$816,219$749,471$994,299
40$1,145,154$814,026$732,391$1,024,403
41$1,218,444$810,398$713,410$1,056,486
42$1,297,838$805,220$692,422$1,090,760
43$1,383,917$798,375$669,318$1,127,462
44$1,477,317$789,736$643,980$1,166,856
45$1,578,739$779,169$616,290$1,209,234
46$1,688,955$766,533$586,120$1,254,921
47$1,808,812$751,677$553,339$1,304,279
48$1,939,244$734,442$517,808$1,357,708
49$2,081,276$714,659$479,385$1,415,653
50$2,236,039$692,150$437,917$1,478,608
51$2,404,776$666,726$393,248$1,547,122
52$2,588,854$638,187$345,213$1,621,801
53$2,789,781$606,322$293,641$1,703,319
54$3,009,213$570,906$238,353$1,792,424
55$3,248,976$531,704$179,160$1,889,942
56$3,511,079$488,464$115,869$1,996,791
57$3,797,733$440,924$48,275$2,113,985
58$4,111,375$388,802$0$2,242,650
59$4,454,686$331,803$0$2,390,394
60$4,830,618$269,617$0$2,566,388
61$5,242,425$201,912$0$2,759,328
62$5,693,688$128,341$0$2,970,965
63$6,188,350$48,535$0$3,203,235
64$6,730,756$0$0$3,458,272
65$7,325,689$0$0$3,750,109
66$7,978,420$0$0$4,086,794
67$8,694,754$0$0$4,456,377
68$9,481,083$0$0$4,862,168
69$10,344,451$0$0$5,307,814
70$11,292,616$0$0$5,797,332
71$12,334,125$0$0$6,335,147
72$13,478,391$0$0$6,926,133
73$14,735,788$0$0$7,575,660
74$16,117,741$0$0$8,289,646
75$17,636,838$0$0$9,074,609
76$19,306,949$0$0$9,937,729
77$21,143,352$0$0$10,886,919
78$23,162,882$0$0$11,930,897
79$25,384,086$0$0$13,079,265
80$27,827,398$0$0$14,342,607
81$30,515,333$0$0$15,732,581
82$33,472,698$0$0$17,262,034
83$36,726,825$0$0$18,945,120
84$40,307,831$0$0$20,797,435
85$44,248,897$0$0$22,836,164
86$48,586,587$0$0$25,080,240
87$53,361,187$0$0$27,550,529
88$58,617,087$0$0$30,270,017
89$64,403,201$0$0$33,264,038
90$70,773,424$0$0$36,560,503
91$77,787,144$0$0$40,190,169
92$85,509,800$0$0$44,186,927
93$94,013,502$0$0$48,588,120
94$103,377,704$0$0$53,434,900
95$113,689,962$0$0$58,772,612
96$125,046,754$0$0$64,651,222
97$137,554,392$0$0$71,125,790
98$151,330,024$0$0$78,256,988
99$166,502,741$0$0$86,111,674
100$183,214,792$0$0$94,763,521