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%19.2%
1 years$63,834$63,265$62,710$62,169$61,640$59,359
2 years$31,601$31,012$30,442$29,889$29,352$27,080
3 years$20,858$20,267$19,698$19,150$18,622$16,430
4 years$15,488$14,898$14,335$13,797$13,282$11,186
5 years$12,266$11,680$11,125$10,597$10,096$8,103
6 years$10,119$9,538$8,990$8,475$7,989$6,099
7 years$8,586$8,010$7,471$6,967$6,497$4,711
8 years$7,437$6,866$6,336$5,845$5,390$3,705
9 years$6,544$5,978$5,457$4,978$4,539$2,954
10 years$5,830$5,269$4,758$4,291$3,868$2,379
11 years$5,246$4,691$4,189$3,735$3,326$1,931
12 years$4,759$4,210$3,717$3,276$2,882$1,577
13 years$4,348$3,805$3,321$2,892$2,514$1,294
14 years$3,996$3,459$2,984$2,567$2,203$1,066
15 years$3,691$3,160$2,694$2,290$1,940$881
16 years$3,425$2,899$2,443$2,050$1,715$730
17 years$3,190$2,670$2,223$1,842$1,520$606
18 years$2,981$2,467$2,029$1,660$1,352$504
19 years$2,795$2,286$1,858$1,500$1,205$420
20 years$2,627$2,125$1,705$1,359$1,076$350
21 years$2,476$1,979$1,568$1,233$963$292
22 years$2,338$1,847$1,445$1,121$863$244
23 years$2,213$1,728$1,334$1,021$775$204
24 years$2,098$1,619$1,234$931$697$171
25 years$1,993$1,519$1,143$850$627$143
26 years$1,896$1,428$1,060$778$565$120
27 years$1,806$1,344$984$712$509$100
28 years$1,723$1,266$915$652$459$84
29 years$1,646$1,194$852$598$415$70
30 years$1,573$1,128$793$549$375$59
31 years$1,506$1,066$739$504$339$49
32 years$1,443$1,009$690$463$306$41
33 years$1,384$956$644$426$277$35
34 years$1,329$906$602$392$251$29
35 years$1,277$859$563$361$227$24
36 years$1,228$815$526$332$206$20
37 years$1,181$774$493$306$187$17
38 years$1,138$736$461$282$169$14
39 years$1,096$700$432$260$154$12
40 years$1,057$666$405$240$139$10
41 years$1,020$634$380$221$126$9
42 years$984$604$356$204$115$7
43 years$950$575$334$189$104$6
44 years$918$548$314$174$94$5
45 years$888$523$295$161$86$4
46 years$859$499$277$149$78$4
47 years$831$476$260$137$71$3
48 years$804$454$244$127$64$2
49 years$779$434$230$117$58$2
50 years$755$414$216$108$53$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $773,000, adding $5,797 every year, while hoping to spend $35,477 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: 84/11/5 Blend
34$773,000$773,000$773,000$773,000
35$857,826$816,857$804,875$929,366
36$907,577$819,135$794,091$979,181
37$961,213$820,337$781,757$1,028,443
38$1,019,094$820,370$767,783$1,081,418
39$1,081,614$819,141$752,076$1,138,455
40$1,149,205$816,546$734,537$1,199,938
41$1,222,345$812,477$715,065$1,266,292
42$1,301,557$806,821$693,553$1,337,981
43$1,387,416$799,456$669,887$1,415,519
44$1,480,556$790,252$643,951$1,499,471
45$1,581,672$779,074$615,623$1,590,459
46$1,691,529$765,775$584,773$1,689,170
47$1,810,971$750,204$551,269$1,796,357
48$1,940,923$732,198$514,970$1,912,853
49$2,082,406$711,583$475,730$2,039,574
50$2,236,540$688,180$433,395$2,177,529
51$2,404,560$661,794$387,807$2,327,832
52$2,587,825$632,221$338,798$2,491,708
53$2,787,830$599,247$286,195$2,670,506
54$3,006,221$562,642$229,815$2,865,716
55$3,244,810$522,166$169,468$3,078,976
56$3,505,591$477,563$104,956$3,312,095
57$3,790,761$428,564$36,072$3,567,063
58$4,102,738$374,883$0$3,846,074
59$4,444,185$316,219$0$4,153,545
60$4,818,032$252,254$0$4,492,327
61$5,227,508$182,652$0$4,863,442
62$5,676,170$107,057$0$5,270,142
63$6,167,931$25,095$0$5,716,008
64$6,707,105$0$0$6,204,986
65$7,298,442$0$0$6,749,126
66$7,947,172$0$0$7,349,425
67$8,659,057$0$0$8,008,179
68$9,440,445$0$0$8,731,263
69$10,298,327$0$0$9,525,149
70$11,240,404$0$0$10,396,964
71$12,275,160$0$0$11,354,563
72$13,411,940$0$0$12,406,596
73$14,661,040$0$0$13,562,593
74$16,033,802$0$0$14,833,053
75$17,542,722$0$0$16,229,543
76$19,201,566$0$0$17,764,806
77$21,025,502$0$0$19,452,881
78$23,031,238$0$0$21,309,236
79$25,237,185$0$0$23,350,912
80$27,663,626$0$0$25,596,685
81$30,332,910$0$0$28,067,242
82$33,269,661$0$0$30,785,376
83$36,501,008$0$0$33,776,201
84$40,056,845$0$0$37,067,389
85$43,970,107$0$0$40,689,426
86$48,277,088$0$0$44,675,908
87$53,017,775$0$0$49,063,851
88$58,236,230$0$0$53,894,040
89$63,981,001$0$0$59,211,417
90$70,305,587$0$0$65,065,502
91$77,268,934$0$0$71,510,862
92$84,935,996$0$0$78,607,621
93$93,378,346$0$0$86,422,034
94$102,674,850$0$0$95,027,104
95$112,912,413$0$0$104,503,277
96$124,186,796$0$0$114,939,198
97$136,603,522$0$0$126,432,544
98$150,278,869$0$0$139,090,953
99$165,340,967$0$0$153,033,031
100$181,931,009$0$0$168,389,478