Can I retire at age 35 with 770,000?

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 $770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$63,586$63,019$62,467$61,928$61,401$59,579
2 years$31,478$30,892$30,324$29,773$29,239$27,418
3 years$20,777$20,188$19,621$19,076$18,550$16,788
4 years$15,427$14,840$14,279$13,743$13,230$11,540
5 years$12,219$11,635$11,081$10,556$10,057$8,444
6 years$10,080$9,501$8,955$8,442$7,958$6,422
7 years$8,553$7,979$7,442$6,940$6,472$5,014
8 years$7,408$6,839$6,311$5,822$5,369$3,989
9 years$6,519$5,955$5,436$4,959$4,522$3,217
10 years$5,807$5,249$4,739$4,275$3,853$2,622
11 years$5,225$4,673$4,172$3,720$3,313$2,154
12 years$4,741$4,194$3,703$3,263$2,871$1,782
13 years$4,331$3,790$3,308$2,881$2,504$1,481
14 years$3,981$3,445$2,972$2,557$2,195$1,236
15 years$3,677$3,147$2,684$2,281$1,933$1,036
16 years$3,411$2,888$2,433$2,042$1,708$870
17 years$3,177$2,659$2,214$1,835$1,514$733
18 years$2,970$2,457$2,021$1,654$1,347$618
19 years$2,784$2,277$1,850$1,494$1,200$522
20 years$2,617$2,116$1,698$1,353$1,072$442
21 years$2,466$1,971$1,562$1,228$959$374
22 years$2,329$1,840$1,440$1,117$860$318
23 years$2,204$1,721$1,329$1,017$772$269
24 years$2,090$1,612$1,229$928$694$229
25 years$1,985$1,513$1,139$847$624$194
26 years$1,888$1,422$1,056$775$562$165
27 years$1,799$1,338$981$709$507$141
28 years$1,716$1,261$912$650$457$120
29 years$1,639$1,190$848$596$413$102
30 years$1,567$1,124$790$547$373$87
31 years$1,500$1,062$737$502$337$74
32 years$1,438$1,005$687$461$305$63
33 years$1,379$952$642$424$276$54
34 years$1,324$902$600$390$250$46
35 years$1,272$856$561$359$227$39
36 years$1,223$812$524$331$205$33
37 years$1,177$771$491$305$186$28
38 years$1,133$733$460$281$169$24
39 years$1,092$697$431$259$153$20
40 years$1,053$663$404$239$139$17
41 years$1,016$631$378$221$126$15
42 years$980$601$355$204$114$13
43 years$947$573$333$188$104$11
44 years$915$546$313$173$94$9
45 years$884$521$294$160$85$8
46 years$855$497$276$148$78$7
47 years$828$474$259$137$70$6
48 years$801$453$243$126$64$5
49 years$776$432$229$117$58$4
50 years$752$413$215$108$53$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $770,000, adding $2,133 every year, while hoping to spend $50,636 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: 52/33/15 Blend
34$770,000$770,000$770,000$770,000
35$850,740$809,930$797,995$891,428
36$883,639$795,740$770,852$905,323
37$918,197$779,158$741,102$914,900
38$954,529$760,013$708,605$924,184
39$992,762$738,124$673,213$933,163
40$1,033,031$713,300$634,774$941,825
41$1,075,487$685,338$593,125$950,160
42$1,120,291$654,024$548,100$958,162
43$1,167,621$619,132$499,521$965,826
44$1,217,670$580,421$447,207$973,152
45$1,270,650$537,639$390,966$980,144
46$1,326,789$490,517$330,596$986,810
47$1,386,341$438,771$265,890$993,163
48$1,449,580$382,103$196,630$999,225
49$1,516,807$320,196$122,587$1,005,023
50$1,588,351$252,715$43,523$1,010,592
51$1,664,573$179,308$0$1,015,980
52$1,745,867$99,602$0$1,027,782
53$1,832,666$13,203$0$1,047,387
54$1,925,442$0$0$1,067,949
55$2,024,716$0$0$1,118,777
56$2,131,057$0$0$1,178,408
57$2,245,089$0$0$1,242,405
58$2,367,497$0$0$1,311,160
59$2,499,033$0$0$1,385,102
60$2,640,522$0$0$1,464,702
61$2,792,871$0$0$1,550,479
62$2,957,074$0$0$1,643,001
63$3,134,225$0$0$1,742,892
64$3,325,524$0$0$1,850,840
65$3,532,292$0$0$1,967,600
66$3,755,978$0$0$2,094,000
67$3,998,177$0$0$2,230,952
68$4,260,642$0$0$2,379,460
69$4,545,300$0$0$2,540,625
70$4,854,270$0$0$2,715,661
71$5,189,883$0$0$2,905,901
72$5,554,704$0$0$3,112,812
73$5,951,553$0$0$3,338,010
74$6,383,535$0$0$3,583,270
75$6,854,064$0$0$3,850,547
76$7,366,898$0$0$4,141,993
77$7,926,173$0$0$4,459,975
78$8,536,442$0$0$4,807,099
79$9,202,715$0$0$5,186,234
80$9,930,507$0$0$5,600,539
81$10,725,892$0$0$6,053,490
82$11,595,554$0$0$6,548,915
83$12,546,853$0$0$7,091,030
84$13,587,895$0$0$7,684,476
85$14,727,602$0$0$8,334,363
86$15,975,802$0$0$9,046,319
87$17,343,318$0$0$9,826,544
88$18,842,066$0$0$10,681,863
89$20,485,173$0$0$11,619,794
90$22,287,095$0$0$12,648,618
91$24,263,756$0$0$13,777,456
92$26,432,692$0$0$15,016,354
93$28,813,221$0$0$16,376,377
94$31,426,623$0$0$17,869,716
95$34,296,337$0$0$19,509,799
96$37,448,184$0$0$21,311,417
97$40,910,609$0$0$23,290,867
98$44,714,946$0$0$25,466,099
99$48,895,716$0$0$27,856,891
100$53,490,951$0$0$30,485,031