Can I retire at age 35 with 774,000?

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 $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%16%
1 years$63,916$63,347$62,791$62,249$61,720$60,203
2 years$31,642$31,052$30,481$29,928$29,390$27,872
3 years$20,885$20,293$19,723$19,175$18,646$17,173
4 years$15,508$14,918$14,354$13,814$13,299$11,883
5 years$12,282$11,696$11,139$10,611$10,110$8,754
6 years$10,132$9,550$9,002$8,486$7,999$6,706
7 years$8,597$8,020$7,481$6,976$6,506$5,275
8 years$7,447$6,875$6,344$5,852$5,397$4,228
9 years$6,552$5,986$5,464$4,985$4,545$3,437
10 years$5,837$5,276$4,764$4,297$3,873$2,824
11 years$5,253$4,697$4,194$3,740$3,331$2,340
12 years$4,766$4,216$3,722$3,280$2,886$1,951
13 years$4,354$3,810$3,325$2,896$2,517$1,637
14 years$4,001$3,463$2,988$2,571$2,206$1,379
15 years$3,696$3,164$2,698$2,293$1,943$1,165
16 years$3,429$2,903$2,446$2,053$1,717$988
17 years$3,194$2,673$2,226$1,844$1,522$840
18 years$2,985$2,470$2,032$1,662$1,354$716
19 years$2,798$2,289$1,860$1,502$1,206$611
20 years$2,631$2,127$1,707$1,360$1,078$522
21 years$2,479$1,981$1,570$1,235$964$446
22 years$2,341$1,850$1,447$1,122$864$382
23 years$2,216$1,730$1,336$1,022$776$328
24 years$2,101$1,621$1,236$932$697$281
25 years$1,995$1,521$1,144$851$628$242
26 years$1,898$1,430$1,061$779$565$208
27 years$1,808$1,345$986$713$510$178
28 years$1,725$1,268$916$653$460$153
29 years$1,648$1,196$853$599$415$132
30 years$1,576$1,129$794$550$375$114
31 years$1,508$1,068$740$505$339$98
32 years$1,445$1,010$691$464$307$84
33 years$1,386$957$645$427$278$72
34 years$1,331$907$603$392$251$62
35 years$1,278$860$563$361$228$54
36 years$1,229$816$527$333$206$46
37 years$1,183$775$493$307$187$40
38 years$1,139$737$462$283$170$34
39 years$1,098$701$433$261$154$30
40 years$1,058$667$406$240$139$26
41 years$1,021$635$380$222$127$22
42 years$985$604$357$205$115$19
43 years$952$576$335$189$104$16
44 years$920$549$314$174$95$14
45 years$889$523$295$161$86$12
46 years$860$499$277$149$78$10
47 years$832$476$260$137$71$9
48 years$805$455$245$127$64$8
49 years$780$434$230$117$58$7
50 years$756$415$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 $774,000, adding $5,201 every year, while hoping to spend $34,656 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: 44/27/29 Blend
34$774,000$774,000$774,000$774,000
35$858,313$817,291$805,294$888,655
36$908,987$820,464$795,397$914,023
37$963,668$822,632$784,008$937,816
38$1,022,729$823,707$771,039$962,953
39$1,086,578$823,600$756,400$989,578
40$1,155,666$822,212$739,995$1,017,853
41$1,230,484$819,442$721,726$1,047,960
42$1,311,579$815,179$701,488$1,080,101
43$1,399,545$809,309$679,174$1,114,498
44$1,495,041$801,707$654,669$1,151,403
45$1,598,790$792,245$627,854$1,191,092
46$1,711,584$780,783$598,606$1,233,876
47$1,834,301$767,176$566,793$1,280,097
48$1,967,900$751,269$532,282$1,330,139
49$2,113,441$732,896$494,929$1,384,424
50$2,272,090$711,885$454,586$1,443,425
51$2,445,127$688,052$411,099$1,507,665
52$2,633,964$661,201$364,305$1,577,724
53$2,840,156$631,127$314,036$1,654,247
54$3,065,410$597,611$260,115$1,737,949
55$3,311,611$560,423$202,358$1,829,621
56$3,580,831$519,318$140,572$1,930,142
57$3,875,351$474,040$74,557$2,040,485
58$4,197,684$424,316$4,102$2,161,729
59$4,550,597$369,857$0$2,295,069
60$4,937,137$310,359$0$2,463,823
61$5,360,659$245,501$0$2,650,243
62$5,824,859$174,942$0$2,854,755
63$6,333,805$98,325$0$3,079,229
64$6,891,980$15,270$0$3,325,731
65$7,504,321$0$0$3,596,541
66$8,176,265$0$0$3,916,346
67$8,913,803$0$0$4,272,446
68$9,723,532$0$0$4,663,502
69$10,612,719$0$0$5,093,037
70$11,589,371$0$0$5,564,931
71$12,662,308$0$0$6,083,459
72$13,841,245$0$0$6,653,331
73$15,136,886$0$0$7,279,734
74$16,561,023$0$0$7,968,385
75$18,126,648$0$0$8,725,581
76$19,848,073$0$0$9,558,260
77$21,741,068$0$0$10,474,066
78$23,823,005$0$0$11,481,422
79$26,113,027$0$0$12,589,607
80$28,632,224$0$0$13,808,844
81$31,403,832$0$0$15,150,400
82$34,453,455$0$0$16,626,685
83$37,809,302$0$0$18,251,376
84$41,502,455$0$0$20,039,542
85$45,567,163$0$0$22,007,786
86$50,041,162$0$0$24,174,404
87$54,966,032$0$0$26,559,554
88$60,387,591$0$0$29,185,450
89$66,356,322$0$0$32,076,567
90$72,927,853$0$0$35,259,875
91$80,163,481$0$0$38,765,092
92$88,130,747$0$0$42,624,966
93$96,904,079$0$0$46,875,581
94$106,565,486$0$0$51,556,700
95$117,205,338$0$0$56,712,136
96$128,923,216$0$0$62,390,171
97$141,828,850$0$0$68,644,008
98$156,043,155$0$0$75,532,273
99$171,699,374$0$0$83,119,567
100$188,944,332$0$0$91,477,080