Can I retire at age 35 with 771,000?

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 $771,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$63,668$63,101$62,548$62,008$61,481$59,041
2 years$31,519$30,932$30,363$29,812$29,276$26,849
3 years$20,804$20,214$19,647$19,101$18,574$16,235
4 years$15,447$14,860$14,298$13,761$13,247$11,015
5 years$12,234$11,650$11,096$10,570$10,070$7,950
6 years$10,093$9,513$8,967$8,453$7,968$5,961
7 years$8,564$7,989$7,452$6,949$6,480$4,585
8 years$7,418$6,848$6,320$5,830$5,376$3,592
9 years$6,527$5,963$5,443$4,966$4,527$2,851
10 years$5,815$5,256$4,745$4,280$3,858$2,286
11 years$5,232$4,679$4,178$3,725$3,318$1,847
12 years$4,747$4,200$3,708$3,268$2,875$1,501
13 years$4,337$3,795$3,313$2,885$2,507$1,226
14 years$3,986$3,450$2,976$2,561$2,198$1,005
15 years$3,682$3,151$2,687$2,284$1,935$827
16 years$3,416$2,891$2,436$2,045$1,710$681
17 years$3,182$2,663$2,217$1,837$1,516$563
18 years$2,973$2,461$2,024$1,656$1,348$466
19 years$2,788$2,280$1,853$1,496$1,202$386
20 years$2,620$2,119$1,700$1,355$1,073$320
21 years$2,469$1,974$1,564$1,230$961$266
22 years$2,332$1,842$1,441$1,118$861$221
23 years$2,207$1,723$1,331$1,018$773$184
24 years$2,093$1,615$1,231$929$695$153
25 years$1,988$1,515$1,140$848$625$127
26 years$1,891$1,424$1,057$776$563$106
27 years$1,801$1,340$982$710$508$88
28 years$1,718$1,263$913$650$458$73
29 years$1,641$1,191$849$596$414$61
30 years$1,569$1,125$791$547$374$51
31 years$1,502$1,064$738$503$338$42
32 years$1,440$1,006$688$462$306$35
33 years$1,381$953$643$425$277$30
34 years$1,325$903$600$391$250$25
35 years$1,274$857$561$360$227$21
36 years$1,225$813$525$331$206$17
37 years$1,178$772$491$305$186$14
38 years$1,135$734$460$281$169$12
39 years$1,093$698$431$260$153$10
40 years$1,054$664$404$239$139$8
41 years$1,017$632$379$221$126$7
42 years$982$602$355$204$114$6
43 years$948$574$334$188$104$5
44 years$916$547$313$174$94$4
45 years$886$521$294$160$86$3
46 years$857$497$276$148$78$3
47 years$829$475$259$137$71$2
48 years$802$453$244$127$64$2
49 years$777$433$229$117$58$2
50 years$753$413$215$108$53$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $771,000, adding $2,310 every year, while hoping to spend $21,202 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: 27/44/29 Blend
34$771,000$771,000$771,000$771,000
35$852,025$811,162$799,211$867,307
36$916,373$828,350$803,426$897,116
37$986,573$845,670$807,071$927,132
38$1,063,201$863,105$810,106$958,932
39$1,146,889$880,639$812,486$992,684
40$1,238,334$898,252$814,166$1,028,571
41$1,338,301$915,923$815,098$1,066,798
42$1,447,635$933,631$815,231$1,107,591
43$1,567,265$951,351$814,513$1,151,200
44$1,698,215$969,055$812,888$1,197,899
45$1,841,611$986,717$810,297$1,247,994
46$1,998,694$1,004,305$806,681$1,301,822
47$2,170,830$1,021,785$801,974$1,359,754
48$2,359,525$1,039,122$796,110$1,422,202
49$2,566,435$1,056,278$789,019$1,489,619
50$2,793,387$1,073,212$780,627$1,562,510
51$3,042,391$1,089,878$770,856$1,641,427
52$3,315,662$1,106,229$759,627$1,726,984
53$3,615,640$1,122,214$746,854$1,819,858
54$3,945,011$1,137,778$732,450$1,920,796
55$4,306,736$1,152,863$716,321$2,030,626
56$4,704,076$1,167,407$698,371$2,150,258
57$5,140,624$1,181,341$678,498$2,280,702
58$5,620,336$1,194,596$656,596$2,423,069
59$6,147,573$1,207,094$632,555$2,578,589
60$6,727,138$1,218,754$606,259$2,748,619
61$7,364,324$1,229,490$577,585$2,934,656
62$8,064,958$1,239,209$546,408$3,138,356
63$8,835,467$1,247,813$512,595$3,361,543
64$9,682,925$1,255,196$476,008$3,606,234
65$10,615,130$1,261,248$436,501$3,874,655
66$11,640,674$1,265,850$393,925$4,169,261
67$12,769,022$1,268,875$348,120$4,492,764
68$14,010,602$1,270,190$298,922$4,848,155
69$15,376,907$1,269,653$246,159$5,238,736
70$16,880,597$1,267,111$189,651$5,668,150
71$18,535,623$1,262,406$129,210$6,140,420
72$20,357,359$1,255,365$64,641$6,659,981
73$22,362,741$1,245,810$0$7,231,728
74$24,570,433$1,233,547$0$7,862,383
75$27,001,001$1,218,375$0$8,578,015
76$29,677,105$1,200,077$0$9,365,244
77$32,623,715$1,178,426$0$10,231,393
78$35,868,344$1,153,179$0$11,184,536
79$39,441,312$1,124,081$0$12,233,577
80$43,376,026$1,090,861$0$13,388,329
81$47,709,299$1,053,232$0$14,659,613
82$52,481,696$1,010,889$0$16,059,357
83$57,737,919$963,513$0$17,600,714
84$63,527,224$910,762$0$19,298,181
85$69,903,889$852,278$0$21,167,741
86$76,927,726$787,680$0$23,227,015
87$84,664,645$716,566$0$25,495,427
88$93,187,272$638,512$0$27,994,391
89$102,575,644$553,068$0$30,747,511
90$112,917,952$459,761$0$33,780,809
91$124,311,382$358,089$0$37,122,968
92$136,863,031$247,523$0$40,805,610
93$150,690,911$127,503$0$44,863,590
94$165,925,073$0$0$49,335,327
95$182,708,826$0$0$54,264,415
96$201,200,093$0$0$59,763,195
97$221,572,900$0$0$65,821,711
98$244,019,021$0$0$72,497,019
99$268,749,785$0$0$79,851,996
100$295,998,073$0$0$87,955,930