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%17.8%
1 years$63,586$63,019$62,467$61,928$61,401$59,459
2 years$31,478$30,892$30,324$29,773$29,239$27,300
3 years$20,777$20,188$19,621$19,076$18,550$16,675
4 years$15,427$14,840$14,279$13,743$13,230$11,434
5 years$12,219$11,635$11,081$10,556$10,057$8,344
6 years$10,080$9,501$8,955$8,442$7,958$6,329
7 years$8,553$7,979$7,442$6,940$6,472$4,928
8 years$7,408$6,839$6,311$5,822$5,369$3,908
9 years$6,519$5,955$5,436$4,959$4,522$3,142
10 years$5,807$5,249$4,739$4,275$3,853$2,553
11 years$5,225$4,673$4,172$3,720$3,313$2,091
12 years$4,741$4,194$3,703$3,263$2,871$1,724
13 years$4,331$3,790$3,308$2,881$2,504$1,428
14 years$3,981$3,445$2,972$2,557$2,195$1,188
15 years$3,677$3,147$2,684$2,281$1,933$992
16 years$3,411$2,888$2,433$2,042$1,708$830
17 years$3,177$2,659$2,214$1,835$1,514$696
18 years$2,970$2,457$2,021$1,654$1,347$585
19 years$2,784$2,277$1,850$1,494$1,200$493
20 years$2,617$2,116$1,698$1,353$1,072$415
21 years$2,466$1,971$1,562$1,228$959$351
22 years$2,329$1,840$1,440$1,117$860$296
23 years$2,204$1,721$1,329$1,017$772$250
24 years$2,090$1,612$1,229$928$694$212
25 years$1,985$1,513$1,139$847$624$179
26 years$1,888$1,422$1,056$775$562$152
27 years$1,799$1,338$981$709$507$129
28 years$1,716$1,261$912$650$457$109
29 years$1,639$1,190$848$596$413$92
30 years$1,567$1,124$790$547$373$78
31 years$1,500$1,062$737$502$337$66
32 years$1,438$1,005$687$461$305$56
33 years$1,379$952$642$424$276$48
34 years$1,324$902$600$390$250$40
35 years$1,272$856$561$359$227$34
36 years$1,223$812$524$331$205$29
37 years$1,177$771$491$305$186$25
38 years$1,133$733$460$281$169$21
39 years$1,092$697$431$259$153$18
40 years$1,053$663$404$239$139$15
41 years$1,016$631$378$221$126$13
42 years$980$601$355$204$114$11
43 years$947$573$333$188$104$9
44 years$915$546$313$173$94$8
45 years$884$521$294$160$85$7
46 years$855$497$276$148$78$6
47 years$828$474$259$137$70$5
48 years$801$453$243$126$64$4
49 years$776$432$229$117$58$3
50 years$752$413$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 $770,000, adding $2,211 every year, while hoping to spend $35,503 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: 37/45/18 Blend
34$770,000$770,000$770,000$770,000
35$850,821$810,011$798,076$877,595
36$899,829$811,926$787,036$899,065
37$952,647$812,746$774,437$918,722
38$1,009,625$812,378$760,189$939,211
39$1,071,148$810,726$744,197$960,625
40$1,137,641$807,688$726,363$983,071
41$1,209,570$803,153$706,585$1,006,668
42$1,287,445$797,007$684,755$1,031,550
43$1,371,830$789,126$660,760$1,057,867
44$1,463,344$779,381$634,483$1,085,790
45$1,562,668$767,633$605,801$1,115,507
46$1,670,550$753,737$574,584$1,147,232
47$1,787,813$737,537$540,700$1,181,200
48$1,915,363$718,869$504,007$1,217,680
49$2,054,197$697,560$464,358$1,256,967
50$2,205,411$673,427$421,600$1,299,394
51$2,370,212$646,274$375,572$1,345,331
52$2,549,928$615,896$326,108$1,395,191
53$2,746,020$582,075$273,033$1,449,435
54$2,960,098$544,580$216,163$1,508,578
55$3,193,932$503,169$155,309$1,573,189
56$3,449,473$457,584$90,272$1,643,907
57$3,728,866$407,552$20,842$1,721,439
58$4,034,475$352,787$0$1,806,573
59$4,368,902$292,984$0$1,910,412
60$4,735,012$227,822$0$2,028,638
61$5,135,960$156,963$0$2,158,371
62$5,575,222$80,047$0$2,300,857
63$6,056,623$0$0$2,457,478
64$6,584,378$0$0$2,631,399
65$7,163,128$0$0$2,865,699
66$7,797,986$0$0$3,122,823
67$8,494,582$0$0$3,405,067
68$9,259,119$0$0$3,714,956
69$10,098,428$0$0$4,055,274
70$11,020,036$0$0$4,429,090
71$12,032,232$0$0$4,839,779
72$13,144,149$0$0$5,291,066
73$14,365,847$0$0$5,787,049
74$15,708,410$0$0$6,332,245
75$17,184,047$0$0$6,931,631
76$18,806,211$0$0$7,590,690
77$20,589,722$0$0$8,315,462
78$22,550,907$0$0$9,112,602
79$24,707,755$0$0$9,989,443
80$27,080,086$0$0$10,954,063
81$29,689,738$0$0$12,015,364
82$32,560,769$0$0$13,183,153
83$35,719,691$0$0$14,468,236
84$39,195,710$0$0$15,882,521
85$43,021,011$0$0$17,439,126
86$47,231,054$0$0$19,152,508
87$51,864,910$0$0$21,038,594
88$56,965,634$0$0$23,114,936
89$62,580,662$0$0$25,400,872
90$68,762,265$0$0$27,917,712
91$75,568,041$0$0$30,688,938
92$83,061,455$0$0$33,740,422
93$91,312,440$0$0$37,100,677
94$100,398,054$0$0$40,801,117
95$110,403,211$0$0$44,876,361
96$121,421,478$0$0$49,364,557
97$133,555,958$0$0$54,307,739
98$146,920,264$0$0$59,752,227
99$161,639,589$0$0$65,749,064
100$177,851,889$0$0$72,354,495