Can I retire at age 35 with 773,000?

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 $773,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$63,834$63,265$62,710$62,169$61,640$60,769
2 years$31,601$31,012$30,442$29,889$29,352$28,477
3 years$20,858$20,267$19,698$19,150$18,622$17,769
4 years$15,488$14,898$14,335$13,797$13,282$12,457
5 years$12,266$11,680$11,125$10,597$10,096$9,303
6 years$10,119$9,538$8,990$8,475$7,989$7,228
7 years$8,586$8,010$7,471$6,967$6,497$5,769
8 years$7,437$6,866$6,336$5,845$5,390$4,694
9 years$6,544$5,978$5,457$4,978$4,539$3,876
10 years$5,830$5,269$4,758$4,291$3,868$3,236
11 years$5,246$4,691$4,189$3,735$3,326$2,725
12 years$4,759$4,210$3,717$3,276$2,882$2,312
13 years$4,348$3,805$3,321$2,892$2,514$1,973
14 years$3,996$3,459$2,984$2,567$2,203$1,691
15 years$3,691$3,160$2,694$2,290$1,940$1,455
16 years$3,425$2,899$2,443$2,050$1,715$1,257
17 years$3,190$2,670$2,223$1,842$1,520$1,089
18 years$2,981$2,467$2,029$1,660$1,352$945
19 years$2,795$2,286$1,858$1,500$1,205$822
20 years$2,627$2,125$1,705$1,359$1,076$716
21 years$2,476$1,979$1,568$1,233$963$625
22 years$2,338$1,847$1,445$1,121$863$546
23 years$2,213$1,728$1,334$1,021$775$478
24 years$2,098$1,619$1,234$931$697$419
25 years$1,993$1,519$1,143$850$627$367
26 years$1,896$1,428$1,060$778$565$322
27 years$1,806$1,344$984$712$509$283
28 years$1,723$1,266$915$652$459$248
29 years$1,646$1,194$852$598$415$218
30 years$1,573$1,128$793$549$375$192
31 years$1,506$1,066$739$504$339$169
32 years$1,443$1,009$690$463$306$148
33 years$1,384$956$644$426$277$130
34 years$1,329$906$602$392$251$115
35 years$1,277$859$563$361$227$101
36 years$1,228$815$526$332$206$89
37 years$1,181$774$493$306$187$78
38 years$1,138$736$461$282$169$69
39 years$1,096$700$432$260$154$61
40 years$1,057$666$405$240$139$54
41 years$1,020$634$380$221$126$47
42 years$984$604$356$204$115$42
43 years$950$575$334$189$104$37
44 years$918$548$314$174$94$32
45 years$888$523$295$161$86$28
46 years$859$499$277$149$78$25
47 years$831$476$260$137$71$22
48 years$804$454$244$127$64$20
49 years$779$434$230$117$58$17
50 years$755$414$216$108$53$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $773,000, adding $3,518 every year, while hoping to spend $53,360 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: 43/38/19 Blend
34$773,000$773,000$773,000$773,000
35$855,475$814,506$802,524$887,391
36$885,959$797,642$772,634$893,403
37$917,763$778,163$739,954$894,416
38$950,967$755,886$704,335$894,402
39$985,656$730,613$665,620$893,294
40$1,021,919$702,140$623,645$891,021
41$1,059,857$670,247$578,239$887,508
42$1,099,576$634,703$529,223$882,679
43$1,141,192$595,263$476,412$876,456
44$1,184,831$551,668$419,609$868,756
45$1,230,629$503,645$358,611$859,495
46$1,278,734$450,905$293,206$848,586
47$1,329,308$393,142$223,171$835,941
48$1,382,524$330,032$148,274$821,467
49$1,438,574$261,236$68,273$805,073
50$1,497,664$186,393$0$786,662
51$1,560,021$105,121$0$769,606
52$1,625,890$17,019$0$765,337
53$1,695,541$0$0$759,956
54$1,769,265$0$0$786,180
55$1,847,385$0$0$821,554
56$1,930,248$0$0$859,123
57$2,018,239$0$0$899,069
58$2,111,774$0$0$941,586
59$2,211,311$0$0$986,891
60$2,317,352$0$0$1,035,220
61$2,430,444$0$0$1,086,829
62$2,551,188$0$0$1,142,001
63$2,680,242$0$0$1,201,048
64$2,818,329$0$0$1,264,307
65$2,966,238$0$0$1,332,153
66$3,124,837$0$0$1,404,994
67$3,295,080$0$0$1,483,279
68$3,478,009$0$0$1,567,501
69$3,674,773$0$0$1,658,201
70$3,886,629$0$0$1,755,973
71$4,114,962$0$0$1,861,470
72$4,361,289$0$0$1,975,408
73$4,627,279$0$0$2,098,577
74$4,914,767$0$0$2,231,841
75$5,225,766$0$0$2,376,153
76$5,562,493$0$0$2,532,561
77$5,927,382$0$0$2,702,214
78$6,323,112$0$0$2,886,378
79$6,752,627$0$0$3,086,447
80$7,219,166$0$0$3,303,950
81$7,726,292$0$0$3,540,574
82$8,277,923$0$0$3,798,171
83$8,878,374$0$0$4,078,782
84$9,532,387$0$0$4,384,650
85$10,245,185$0$0$4,718,247
86$11,022,514$0$0$5,082,291
87$11,870,698$0$0$5,479,776
88$12,796,700$0$0$5,913,995
89$13,808,183$0$0$6,388,576
90$14,913,582$0$0$6,907,511
91$16,122,187$0$0$7,475,198
92$17,444,223$0$0$8,096,478
93$18,890,951$0$0$8,776,680
94$20,474,768$0$0$9,521,676
95$22,209,328$0$0$10,337,929
96$24,109,667$0$0$11,232,559
97$26,192,342$0$0$12,213,406
98$28,475,590$0$0$13,289,105
99$30,979,495$0$0$14,469,170
100$33,726,180$0$0$15,764,074