Can I retire at age 35 with 771,000?

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 $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%13.7%
1 years$63,668$63,101$62,548$62,008$61,481$60,537
2 years$31,519$30,932$30,363$29,812$29,276$28,328
3 years$20,804$20,214$19,647$19,101$18,574$17,650
4 years$15,447$14,860$14,298$13,761$13,247$12,355
5 years$12,234$11,650$11,096$10,570$10,070$9,213
6 years$10,093$9,513$8,967$8,453$7,968$7,146
7 years$8,564$7,989$7,452$6,949$6,480$5,694
8 years$7,418$6,848$6,320$5,830$5,376$4,625
9 years$6,527$5,963$5,443$4,966$4,527$3,812
10 years$5,815$5,256$4,745$4,280$3,858$3,177
11 years$5,232$4,679$4,178$3,725$3,318$2,671
12 years$4,747$4,200$3,708$3,268$2,875$2,261
13 years$4,337$3,795$3,313$2,885$2,507$1,925
14 years$3,986$3,450$2,976$2,561$2,198$1,647
15 years$3,682$3,151$2,687$2,284$1,935$1,415
16 years$3,416$2,891$2,436$2,045$1,710$1,219
17 years$3,182$2,663$2,217$1,837$1,516$1,054
18 years$2,973$2,461$2,024$1,656$1,348$913
19 years$2,788$2,280$1,853$1,496$1,202$792
20 years$2,620$2,119$1,700$1,355$1,073$689
21 years$2,469$1,974$1,564$1,230$961$600
22 years$2,332$1,842$1,441$1,118$861$523
23 years$2,207$1,723$1,331$1,018$773$457
24 years$2,093$1,615$1,231$929$695$399
25 years$1,988$1,515$1,140$848$625$349
26 years$1,891$1,424$1,057$776$563$305
27 years$1,801$1,340$982$710$508$267
28 years$1,718$1,263$913$650$458$234
29 years$1,641$1,191$849$596$414$205
30 years$1,569$1,125$791$547$374$180
31 years$1,502$1,064$738$503$338$158
32 years$1,440$1,006$688$462$306$139
33 years$1,381$953$643$425$277$122
34 years$1,325$903$600$391$250$107
35 years$1,274$857$561$360$227$94
36 years$1,225$813$525$331$206$82
37 years$1,178$772$491$305$186$72
38 years$1,135$734$460$281$169$64
39 years$1,093$698$431$260$153$56
40 years$1,054$664$404$239$139$49
41 years$1,017$632$379$221$126$43
42 years$982$602$355$204$114$38
43 years$948$574$334$188$104$33
44 years$916$547$313$174$94$29
45 years$886$521$294$160$86$26
46 years$857$497$276$148$78$23
47 years$829$475$259$137$71$20
48 years$802$453$244$127$64$18
49 years$777$433$229$117$58$15
50 years$753$413$215$108$53$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $771,000, adding $2,931 every year, while hoping to spend $55,022 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: 40/41/19 Blend
34$771,000$771,000$771,000$771,000
35$852,665$811,802$799,852$881,863
36$881,094$793,038$768,104$884,230
37$910,579$771,509$733,448$881,286
38$941,168$747,024$695,730$876,961
39$972,916$719,377$654,785$871,156
40$1,005,878$688,351$610,445$863,772
41$1,040,115$653,717$562,532$854,699
42$1,075,690$615,233$510,860$843,828
43$1,112,673$572,642$455,237$831,038
44$1,151,137$525,672$395,458$816,208
45$1,191,160$474,038$331,314$799,206
46$1,232,829$417,436$262,582$779,897
47$1,276,232$355,545$189,034$758,137
48$1,321,469$288,028$110,428$733,778
49$1,368,645$214,527$26,513$706,663
50$1,417,873$134,665$0$676,629
51$1,469,275$48,043$0$656,283
52$1,522,983$0$0$639,235
53$1,579,141$0$0$640,620
54$1,637,903$0$0$664,776
55$1,699,436$0$0$690,097
56$1,763,920$0$0$716,663
57$1,831,553$0$0$744,558
58$1,902,548$0$0$773,874
59$1,977,136$0$0$804,712
60$2,055,568$0$0$837,181
61$2,138,118$0$0$871,398
62$2,225,084$0$0$907,494
63$2,316,791$0$0$945,608
64$2,413,591$0$0$985,895
65$2,515,870$0$0$1,028,523
66$2,624,048$0$0$1,073,673
67$2,738,585$0$0$1,121,546
68$2,859,981$0$0$1,172,360
69$2,988,785$0$0$1,226,355
70$3,125,595$0$0$1,283,791
71$3,271,066$0$0$1,344,954
72$3,425,915$0$0$1,410,158
73$3,590,926$0$0$1,479,746
74$3,766,959$0$0$1,554,092
75$3,954,955$0$0$1,633,610
76$4,155,944$0$0$1,718,749
77$4,371,059$0$0$1,810,006
78$4,601,538$0$0$1,907,924
79$4,848,742$0$0$2,013,098
80$5,114,163$0$0$2,126,182
81$5,399,439$0$0$2,247,895
82$5,706,367$0$0$2,379,026
83$6,036,922$0$0$2,520,439
84$6,393,271$0$0$2,673,088
85$6,777,797$0$0$2,838,017
86$7,193,115$0$0$3,016,376
87$7,642,100$0$0$3,209,427
88$8,127,914$0$0$3,418,559
89$8,654,030$0$0$3,645,297
90$9,224,268$0$0$3,891,322
91$9,842,826$0$0$4,158,478
92$10,514,325$0$0$4,448,798
93$11,243,844$0$0$4,764,513
94$12,036,971$0$0$5,108,083
95$12,899,854$0$0$5,482,210
96$13,839,257$0$0$5,889,872
97$14,862,624$0$0$6,334,342
98$15,978,144$0$0$6,819,224
99$17,194,832$0$0$7,348,486
100$18,522,611$0$0$7,926,495