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%12.8%
1 years$63,916$63,347$62,791$62,249$61,720$60,999
2 years$31,642$31,052$30,481$29,928$29,390$28,665
3 years$20,885$20,293$19,723$19,175$18,646$17,939
4 years$15,508$14,918$14,354$13,814$13,299$12,615
5 years$12,282$11,696$11,139$10,611$10,110$9,451
6 years$10,132$9,550$9,002$8,486$7,999$7,366
7 years$8,597$8,020$7,481$6,976$6,506$5,899
8 years$7,447$6,875$6,344$5,852$5,397$4,817
9 years$6,552$5,986$5,464$4,985$4,545$3,991
10 years$5,837$5,276$4,764$4,297$3,873$3,344
11 years$5,253$4,697$4,194$3,740$3,331$2,827
12 years$4,766$4,216$3,722$3,280$2,886$2,407
13 years$4,354$3,810$3,325$2,896$2,517$2,062
14 years$4,001$3,463$2,988$2,571$2,206$1,775
15 years$3,696$3,164$2,698$2,293$1,943$1,534
16 years$3,429$2,903$2,446$2,053$1,717$1,330
17 years$3,194$2,673$2,226$1,844$1,522$1,157
18 years$2,985$2,470$2,032$1,662$1,354$1,009
19 years$2,798$2,289$1,860$1,502$1,206$881
20 years$2,631$2,127$1,707$1,360$1,078$771
21 years$2,479$1,981$1,570$1,235$964$676
22 years$2,341$1,850$1,447$1,122$864$594
23 years$2,216$1,730$1,336$1,022$776$522
24 years$2,101$1,621$1,236$932$697$459
25 years$1,995$1,521$1,144$851$628$404
26 years$1,898$1,430$1,061$779$565$356
27 years$1,808$1,345$986$713$510$314
28 years$1,725$1,268$916$653$460$277
29 years$1,648$1,196$853$599$415$245
30 years$1,576$1,129$794$550$375$216
31 years$1,508$1,068$740$505$339$191
32 years$1,445$1,010$691$464$307$169
33 years$1,386$957$645$427$278$149
34 years$1,331$907$603$392$251$132
35 years$1,278$860$563$361$228$117
36 years$1,229$816$527$333$206$104
37 years$1,183$775$493$307$187$92
38 years$1,139$737$462$283$170$81
39 years$1,098$701$433$261$154$72
40 years$1,058$667$406$240$139$64
41 years$1,021$635$380$222$127$56
42 years$985$604$357$205$115$50
43 years$952$576$335$189$104$44
44 years$920$549$314$174$95$39
45 years$889$523$295$161$86$35
46 years$860$499$277$149$78$31
47 years$832$476$260$137$71$27
48 years$805$455$245$127$64$24
49 years$780$434$230$117$58$21
50 years$756$415$216$108$53$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $774,000, adding $2,561 every year, while hoping to spend $50,470 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: 45/38/17 Blend
34$774,000$774,000$774,000$774,000
35$855,590$814,568$802,571$889,812
36$889,160$800,782$775,757$900,209
37$924,463$784,629$746,354$906,230
38$961,622$765,940$714,221$911,684
39$1,000,772$744,535$679,211$916,542
40$1,042,059$720,225$641,172$920,772
41$1,085,641$692,808$599,944$924,347
42$1,131,694$662,074$555,360$927,238
43$1,180,407$627,795$507,244$929,420
44$1,231,987$589,735$455,415$930,869
45$1,286,660$547,643$399,682$931,563
46$1,344,673$501,251$339,846$931,483
47$1,406,297$450,280$275,698$930,616
48$1,471,828$394,432$207,022$928,951
49$1,541,588$333,394$133,592$926,485
50$1,615,933$266,833$55,170$923,220
51$1,695,250$194,399$0$919,164
52$1,779,963$115,722$0$919,509
53$1,870,538$30,412$0$930,126
54$1,967,487$0$0$941,085
55$2,071,368$0$0$978,393
56$2,182,796$0$0$1,032,113
57$2,302,443$0$0$1,089,861
58$2,431,051$0$0$1,152,002
59$2,569,430$0$0$1,218,937
60$2,718,471$0$0$1,291,106
61$2,879,154$0$0$1,368,994
62$3,052,554$0$0$1,453,131
63$3,239,852$0$0$1,544,103
64$3,442,346$0$0$1,642,550
65$3,661,464$0$0$1,749,178
66$3,898,774$0$0$1,864,764
67$4,156,000$0$0$1,990,160
68$4,435,039$0$0$2,126,305
69$4,737,976$0$0$2,274,232
70$5,067,106$0$0$2,435,074
71$5,424,952$0$0$2,610,082
72$5,814,289$0$0$2,800,630
73$6,238,173$0$0$3,008,229
74$6,699,964$0$0$3,234,545
75$7,203,360$0$0$3,481,408
76$7,752,433$0$0$3,750,835
77$8,351,663$0$0$4,045,045
78$9,005,981$0$0$4,366,481
79$9,720,818$0$0$4,717,831
80$10,502,148$0$0$5,102,057
81$11,356,553$0$0$5,522,419
82$12,291,278$0$0$5,982,506
83$13,314,300$0$0$6,486,271
84$14,434,404$0$0$7,038,068
85$15,661,262$0$0$7,642,688
86$17,005,529$0$0$8,305,412
87$18,478,935$0$0$9,032,054
88$20,094,402$0$0$9,829,018
89$21,866,162$0$0$10,703,356
90$23,809,888$0$0$11,662,837
91$25,942,845$0$0$12,716,019
92$28,284,051$0$0$13,872,329
93$30,854,454$0$0$15,142,149
94$33,677,129$0$0$16,536,918
95$36,777,495$0$0$18,069,237
96$40,183,556$0$0$19,752,988
97$43,926,160$0$0$21,603,463
98$48,039,292$0$0$23,637,510
99$52,560,392$0$0$25,873,691
100$57,530,709$0$0$28,332,454