Can I retire at age 35 with 774,000?

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 $774,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$63,916$63,347$62,791$62,249$61,720$59,720
2 years$31,642$31,052$30,481$29,928$29,390$27,395
3 years$20,885$20,293$19,723$19,175$18,646$16,717
4 years$15,508$14,918$14,354$13,814$13,299$11,451
5 years$12,282$11,696$11,139$10,611$10,110$8,348
6 years$10,132$9,550$9,002$8,486$7,999$6,325
7 years$8,597$8,020$7,481$6,976$6,506$4,919
8 years$7,447$6,875$6,344$5,852$5,397$3,896
9 years$6,552$5,986$5,464$4,985$4,545$3,129
10 years$5,837$5,276$4,764$4,297$3,873$2,539
11 years$5,253$4,697$4,194$3,740$3,331$2,077
12 years$4,766$4,216$3,722$3,280$2,886$1,710
13 years$4,354$3,810$3,325$2,896$2,517$1,415
14 years$4,001$3,463$2,988$2,571$2,206$1,175
15 years$3,696$3,164$2,698$2,293$1,943$980
16 years$3,429$2,903$2,446$2,053$1,717$819
17 years$3,194$2,673$2,226$1,844$1,522$686
18 years$2,985$2,470$2,032$1,662$1,354$576
19 years$2,798$2,289$1,860$1,502$1,206$484
20 years$2,631$2,127$1,707$1,360$1,078$407
21 years$2,479$1,981$1,570$1,235$964$343
22 years$2,341$1,850$1,447$1,122$864$289
23 years$2,216$1,730$1,336$1,022$776$244
24 years$2,101$1,621$1,236$932$697$206
25 years$1,995$1,521$1,144$851$628$174
26 years$1,898$1,430$1,061$779$565$147
27 years$1,808$1,345$986$713$510$125
28 years$1,725$1,268$916$653$460$105
29 years$1,648$1,196$853$599$415$89
30 years$1,576$1,129$794$550$375$76
31 years$1,508$1,068$740$505$339$64
32 years$1,445$1,010$691$464$307$54
33 years$1,386$957$645$427$278$46
34 years$1,331$907$603$392$251$39
35 years$1,278$860$563$361$228$33
36 years$1,229$816$527$333$206$28
37 years$1,183$775$493$307$187$24
38 years$1,139$737$462$283$170$20
39 years$1,098$701$433$261$154$17
40 years$1,058$667$406$240$139$14
41 years$1,021$635$380$222$127$12
42 years$985$604$357$205$115$10
43 years$952$576$335$189$104$9
44 years$920$549$314$174$95$7
45 years$889$523$295$161$86$6
46 years$860$499$277$149$78$5
47 years$832$476$260$137$71$4
48 years$805$455$245$127$64$4
49 years$780$434$230$117$58$3
50 years$756$415$216$108$53$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $774,000, adding $4,934 every year, while hoping to spend $42,359 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: 69/10/21 Blend
34$774,000$774,000$774,000$774,000
35$858,037$817,015$805,018$912,438
36$900,488$811,980$786,917$944,388
37$945,848$805,277$766,789$973,924
38$994,371$796,782$744,523$1,005,217
39$1,046,332$786,360$720,000$1,038,436
40$1,102,036$773,869$693,098$1,073,771
41$1,161,814$759,159$663,687$1,111,431
42$1,226,031$742,071$631,633$1,151,648
43$1,295,089$722,434$596,795$1,194,678
44$1,369,427$700,072$559,026$1,240,805
45$1,449,527$674,795$518,173$1,290,343
46$1,535,921$646,402$474,074$1,343,641
47$1,629,191$614,682$426,562$1,401,082
48$1,729,978$579,411$375,461$1,463,092
49$1,838,986$540,352$320,589$1,530,142
50$1,956,987$497,254$261,753$1,602,753
51$2,084,834$449,853$198,755$1,681,500
52$2,223,459$397,868$131,386$1,767,019
53$2,373,893$341,005$59,429$1,860,016
54$2,537,266$278,950$0$1,961,267
55$2,714,821$211,373$0$2,075,523
56$2,907,928$137,925$0$2,214,308
57$3,118,092$58,239$0$2,365,398
58$3,346,970$0$0$2,530,011
59$3,596,384$0$0$2,712,579
60$3,868,342$0$0$2,918,676
61$4,165,051$0$0$3,143,571
62$4,488,941$0$0$3,389,112
63$4,842,688$0$0$3,657,333
64$5,229,238$0$0$3,950,472
65$5,651,832$0$0$4,270,993
66$6,114,042$0$0$4,621,612
67$6,619,796$0$0$5,005,315
68$7,173,425$0$0$5,425,394
69$7,779,694$0$0$5,885,470
70$8,443,851$0$0$6,389,536
71$9,171,678$0$0$6,941,984
72$9,969,539$0$0$7,547,654
73$10,844,446$0$0$8,211,877
74$11,804,120$0$0$8,940,523
75$12,857,069$0$0$9,740,058
76$14,012,659$0$0$10,617,605
77$15,281,210$0$0$11,581,010
78$16,674,091$0$0$12,638,916
79$18,203,823$0$0$13,800,842
80$19,884,200$0$0$15,077,276
81$21,730,418$0$0$16,479,772
82$23,759,219$0$0$18,021,058
83$25,989,045$0$0$19,715,156
84$28,440,214$0$0$21,577,514
85$31,135,111$0$0$23,625,153
86$34,098,399$0$0$25,876,823
87$37,357,248$0$0$28,353,183
88$40,941,596$0$0$31,076,995
89$44,884,426$0$0$34,073,337
90$49,222,078$0$0$37,369,840
91$53,994,592$0$0$40,996,949
92$59,246,087$0$0$44,988,208
93$65,025,172$0$0$49,380,577
94$71,385,407$0$0$54,214,779
95$78,385,807$0$0$59,535,688
96$86,091,400$0$0$65,392,746
97$94,573,835$0$0$71,840,434
98$103,912,064$0$0$78,938,780
99$114,193,081$0$0$86,753,933
100$125,512,745$0$0$95,358,778