Can I retire at age 35 with 772,000?

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 $772,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$63,751$63,183$62,629$62,088$61,560$60,121
2 years$31,560$30,972$30,403$29,850$29,314$27,873
3 years$20,831$20,241$19,672$19,125$18,598$17,199
4 years$15,468$14,879$14,316$13,779$13,264$11,918
5 years$12,250$11,665$11,110$10,583$10,083$8,794
6 years$10,106$9,526$8,979$8,464$7,979$6,748
7 years$8,575$8,000$7,461$6,958$6,489$5,316
8 years$7,428$6,857$6,328$5,837$5,383$4,269
9 years$6,535$5,970$5,450$4,972$4,533$3,476
10 years$5,822$5,263$4,752$4,286$3,863$2,861
11 years$5,239$4,685$4,183$3,730$3,322$2,375
12 years$4,753$4,205$3,712$3,272$2,879$1,985
13 years$4,343$3,800$3,317$2,888$2,510$1,668
14 years$3,991$3,454$2,980$2,564$2,201$1,408
15 years$3,686$3,155$2,691$2,287$1,938$1,193
16 years$3,420$2,895$2,440$2,047$1,712$1,014
17 years$3,186$2,666$2,220$1,840$1,518$864
18 years$2,977$2,464$2,026$1,658$1,350$737
19 years$2,791$2,283$1,855$1,498$1,203$630
20 years$2,624$2,122$1,703$1,357$1,075$540
21 years$2,473$1,976$1,566$1,231$962$463
22 years$2,335$1,845$1,443$1,120$862$398
23 years$2,210$1,725$1,333$1,020$774$342
24 years$2,096$1,617$1,232$930$696$294
25 years$1,990$1,517$1,142$849$626$253
26 years$1,893$1,426$1,059$777$564$218
27 years$1,804$1,342$983$711$508$188
28 years$1,721$1,264$914$651$459$162
29 years$1,643$1,193$850$597$414$140
30 years$1,571$1,127$792$548$374$120
31 years$1,504$1,065$739$503$338$104
32 years$1,441$1,008$689$463$306$90
33 years$1,383$954$643$425$277$77
34 years$1,327$904$601$391$251$67
35 years$1,275$858$562$360$227$58
36 years$1,226$814$526$332$206$50
37 years$1,180$773$492$306$187$43
38 years$1,136$735$461$282$169$37
39 years$1,095$699$432$260$153$32
40 years$1,055$665$405$240$139$28
41 years$1,018$633$379$221$126$24
42 years$983$603$356$204$115$21
43 years$949$574$334$188$104$18
44 years$917$547$314$174$94$15
45 years$887$522$294$161$86$13
46 years$858$498$276$148$78$12
47 years$830$475$260$137$71$10
48 years$803$454$244$127$64$9
49 years$778$433$229$117$58$7
50 years$754$414$216$108$53$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $772,000, adding $3,395 every year, while hoping to spend $21,145 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: 52/39/9 Blend
34$772,000$772,000$772,000$772,000
35$854,246$813,330$801,364$896,534
36$918,881$830,685$805,712$943,031
37$989,400$848,182$809,496$991,005
38$1,066,381$865,805$812,676$1,042,679
39$1,150,460$883,537$815,209$1,098,406
40$1,242,337$901,361$817,049$1,158,577
41$1,342,784$919,256$818,148$1,223,620
42$1,452,648$937,200$818,457$1,294,009
43$1,572,865$955,169$817,922$1,370,264
44$1,704,464$973,139$816,488$1,452,960
45$1,848,577$991,081$814,099$1,542,729
46$2,006,453$1,008,965$810,692$1,640,268
47$2,179,466$1,026,759$806,205$1,746,346
48$2,369,129$1,044,428$800,571$1,861,811
49$2,577,110$1,061,935$793,720$1,987,594
50$2,805,245$1,079,239$785,579$2,124,726
51$3,055,555$1,096,297$776,071$2,274,340
52$3,330,268$1,113,062$765,116$2,437,687
53$3,631,838$1,129,485$752,630$2,616,143
54$3,962,968$1,145,512$738,525$2,811,228
55$4,326,634$1,161,085$722,709$3,024,617
56$4,726,116$1,176,144$705,086$3,258,154
57$5,165,028$1,190,623$685,554$3,513,874
58$5,647,350$1,204,453$664,009$3,794,019
59$6,177,466$1,217,557$640,340$4,101,062
60$6,760,208$1,229,858$614,432$4,437,728
61$7,400,898$1,241,270$586,164$4,807,020
62$8,105,399$1,251,702$555,410$5,212,251
63$8,880,172$1,261,058$522,039$5,657,070
64$9,732,335$1,269,235$485,912$6,145,501
65$10,669,730$1,276,124$446,887$6,681,981
66$11,700,996$1,281,608$404,812$7,271,399
67$12,835,655$1,285,564$359,530$7,919,146
68$14,084,196$1,287,860$310,878$8,631,163
69$15,458,176$1,288,358$258,685$9,414,001
70$16,970,330$1,286,907$202,770$10,274,879
71$18,634,689$1,283,351$142,948$11,221,757
72$20,466,714$1,277,522$79,024$12,263,408
73$22,483,441$1,269,243$10,794$13,409,503
74$24,703,642$1,258,326$0$14,670,702
75$27,148,001$1,244,571$0$16,064,711
76$29,839,309$1,227,766$0$17,600,020
77$32,802,679$1,207,688$0$19,289,892
78$36,065,786$1,184,098$0$21,150,087
79$39,659,123$1,156,746$0$23,197,976
80$43,616,290$1,125,363$0$25,452,705
81$47,974,315$1,089,669$0$27,935,375
82$52,773,997$1,049,365$0$30,669,245
83$58,060,295$1,004,134$0$33,679,948
84$63,882,752$953,643$0$36,995,737
85$70,295,958$897,537$0$40,647,751
86$77,360,072$835,443$0$44,670,310
87$85,141,384$766,964$0$49,101,238
88$93,712,944$691,684$0$53,982,225
89$103,155,247$609,160$0$59,359,218
90$113,556,998$518,925$0$65,282,856
91$125,015,946$420,485$0$71,808,951
92$137,639,804$313,321$0$78,999,015
93$151,547,271$196,881$0$86,920,841
94$166,869,148$70,583$0$95,649,146
95$183,749,574$0$0$105,266,276
96$202,347,387$0$0$115,891,390
97$222,837,620$0$0$127,631,168
98$245,413,158$0$0$140,565,847
99$270,286,552$0$0$154,817,227
100$297,692,032$0$0$170,519,528