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%14.6%
1 years$63,668$63,101$62,548$62,008$61,481$60,313
2 years$31,519$30,932$30,363$29,812$29,276$28,105
3 years$20,804$20,214$19,647$19,101$18,574$17,435
4 years$15,447$14,860$14,298$13,761$13,247$12,149
5 years$12,234$11,650$11,096$10,570$10,070$9,017
6 years$10,093$9,513$8,967$8,453$7,968$6,960
7 years$8,564$7,989$7,452$6,949$6,480$5,518
8 years$7,418$6,848$6,320$5,830$5,376$4,459
9 years$6,527$5,963$5,443$4,966$4,527$3,655
10 years$5,815$5,256$4,745$4,280$3,858$3,029
11 years$5,232$4,679$4,178$3,725$3,318$2,532
12 years$4,747$4,200$3,708$3,268$2,875$2,132
13 years$4,337$3,795$3,313$2,885$2,507$1,804
14 years$3,986$3,450$2,976$2,561$2,198$1,534
15 years$3,682$3,151$2,687$2,284$1,935$1,310
16 years$3,416$2,891$2,436$2,045$1,710$1,122
17 years$3,182$2,663$2,217$1,837$1,516$963
18 years$2,973$2,461$2,024$1,656$1,348$829
19 years$2,788$2,280$1,853$1,496$1,202$715
20 years$2,620$2,119$1,700$1,355$1,073$617
21 years$2,469$1,974$1,564$1,230$961$534
22 years$2,332$1,842$1,441$1,118$861$462
23 years$2,207$1,723$1,331$1,018$773$401
24 years$2,093$1,615$1,231$929$695$348
25 years$1,988$1,515$1,140$848$625$302
26 years$1,891$1,424$1,057$776$563$262
27 years$1,801$1,340$982$710$508$228
28 years$1,718$1,263$913$650$458$198
29 years$1,641$1,191$849$596$414$173
30 years$1,569$1,125$791$547$374$150
31 years$1,502$1,064$738$503$338$131
32 years$1,440$1,006$688$462$306$114
33 years$1,381$953$643$425$277$99
34 years$1,325$903$600$391$250$86
35 years$1,274$857$561$360$227$75
36 years$1,225$813$525$331$206$66
37 years$1,178$772$491$305$186$57
38 years$1,135$734$460$281$169$50
39 years$1,093$698$431$260$153$44
40 years$1,054$664$404$239$139$38
41 years$1,017$632$379$221$126$33
42 years$982$602$355$204$114$29
43 years$948$574$334$188$104$25
44 years$916$547$313$174$94$22
45 years$886$521$294$160$86$19
46 years$857$497$276$148$78$17
47 years$829$475$259$137$71$15
48 years$802$453$244$127$64$13
49 years$777$433$229$117$58$11
50 years$753$413$215$108$53$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $771,000, adding $6,919 every year, while hoping to spend $27,224 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: 63/23/14 Blend
34$771,000$771,000$771,000$771,000
35$856,779$815,916$803,965$907,437
36$915,204$826,930$801,932$953,258
37$978,677$837,571$798,918$999,529
38$1,047,682$847,792$794,862$1,049,391
39$1,122,755$857,543$789,700$1,103,195
40$1,204,484$866,771$783,363$1,161,326
41$1,293,516$875,418$775,780$1,224,210
42$1,390,565$883,423$766,879$1,292,315
43$1,496,413$890,721$756,580$1,366,160
44$1,611,924$897,243$744,802$1,446,315
45$1,738,047$902,916$731,460$1,533,410
46$1,875,830$907,660$716,466$1,628,139
47$2,026,421$911,392$699,724$1,731,266
48$2,191,090$914,024$681,139$1,843,638
49$2,371,231$915,461$660,607$1,966,185
50$2,568,381$915,603$638,021$2,099,934
51$2,784,232$914,344$613,271$2,246,019
52$3,020,646$911,569$586,238$2,405,688
53$3,279,676$907,160$556,802$2,580,319
54$3,563,582$900,990$524,833$2,771,433
55$3,874,851$892,922$490,198$2,980,705
56$4,216,224$882,814$452,759$3,209,983
57$4,590,721$870,514$412,369$3,461,306
58$5,001,667$855,862$368,875$3,736,921
59$5,452,724$838,686$322,120$4,039,308
60$5,947,927$818,806$271,936$4,371,199
61$6,491,720$796,032$218,150$4,735,610
62$7,088,999$770,161$160,581$5,135,864
63$7,745,156$740,978$99,040$5,575,626
64$8,466,133$708,257$33,329$6,058,939
65$9,258,476$671,759$0$6,590,258
66$10,129,394$631,229$0$7,179,995
67$11,086,833$586,400$0$7,833,741
68$12,139,544$536,988$0$8,552,521
69$13,297,171$482,693$0$9,342,956
70$14,570,335$423,198$0$10,212,346
71$15,970,744$358,169$0$11,168,735
72$17,511,292$287,252$0$12,220,992
73$19,206,190$210,074$0$13,378,891
74$21,071,093$126,239$0$14,653,206
75$23,123,251$35,331$0$16,055,813
76$25,381,671$0$0$17,599,800
77$27,867,294$0$0$19,315,563
78$30,603,197$0$0$21,213,996
79$33,614,806$0$0$23,303,809
80$36,930,136$0$0$25,604,451
81$40,580,058$0$0$28,137,355
82$44,598,589$0$0$30,926,133
83$49,023,209$0$0$33,996,808
84$53,895,222$0$0$37,378,053
85$59,260,136$0$0$41,101,462
86$65,168,101$0$0$45,201,851
87$71,674,376$0$0$49,717,582
88$78,839,854$0$0$54,690,930
89$86,731,634$0$0$60,168,478
90$95,423,653$0$0$66,201,556
91$104,997,389$0$0$72,846,729
92$115,542,622$0$0$80,166,326
93$127,158,287$0$0$88,229,034
94$139,953,405$0$0$97,110,538
95$154,048,112$0$0$106,894,243
96$169,574,791$0$0$117,672,057
97$186,679,326$0$0$129,545,258
98$205,522,472$0$0$142,625,451
99$226,281,378$0$0$157,035,620
100$249,151,254$0$0$172,911,292