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%17.7%
1 years$63,916$63,347$62,791$62,249$61,720$59,792
2 years$31,642$31,052$30,481$29,928$29,390$27,465
3 years$20,885$20,293$19,723$19,175$18,646$16,785
4 years$15,508$14,918$14,354$13,814$13,299$11,514
5 years$12,282$11,696$11,139$10,611$10,110$8,407
6 years$10,132$9,550$9,002$8,486$7,999$6,381
7 years$8,597$8,020$7,481$6,976$6,506$4,970
8 years$7,447$6,875$6,344$5,852$5,397$3,944
9 years$6,552$5,986$5,464$4,985$4,545$3,173
10 years$5,837$5,276$4,764$4,297$3,873$2,580
11 years$5,253$4,697$4,194$3,740$3,331$2,114
12 years$4,766$4,216$3,722$3,280$2,886$1,744
13 years$4,354$3,810$3,325$2,896$2,517$1,446
14 years$4,001$3,463$2,988$2,571$2,206$1,204
15 years$3,696$3,164$2,698$2,293$1,943$1,006
16 years$3,429$2,903$2,446$2,053$1,717$842
17 years$3,194$2,673$2,226$1,844$1,522$707
18 years$2,985$2,470$2,032$1,662$1,354$595
19 years$2,798$2,289$1,860$1,502$1,206$501
20 years$2,631$2,127$1,707$1,360$1,078$423
21 years$2,479$1,981$1,570$1,235$964$357
22 years$2,341$1,850$1,447$1,122$864$302
23 years$2,216$1,730$1,336$1,022$776$255
24 years$2,101$1,621$1,236$932$697$216
25 years$1,995$1,521$1,144$851$628$183
26 years$1,898$1,430$1,061$779$565$155
27 years$1,808$1,345$986$713$510$132
28 years$1,725$1,268$916$653$460$112
29 years$1,648$1,196$853$599$415$95
30 years$1,576$1,129$794$550$375$80
31 years$1,508$1,068$740$505$339$68
32 years$1,445$1,010$691$464$307$58
33 years$1,386$957$645$427$278$49
34 years$1,331$907$603$392$251$42
35 years$1,278$860$563$361$228$35
36 years$1,229$816$527$333$206$30
37 years$1,183$775$493$307$187$26
38 years$1,139$737$462$283$170$22
39 years$1,098$701$433$261$154$18
40 years$1,058$667$406$240$139$16
41 years$1,021$635$380$222$127$13
42 years$985$604$357$205$115$11
43 years$952$576$335$189$104$10
44 years$920$549$314$174$95$8
45 years$889$523$295$161$86$7
46 years$860$499$277$149$78$6
47 years$832$476$260$137$71$5
48 years$805$455$245$127$64$4
49 years$780$434$230$117$58$4
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 $4,523 every year, while hoping to spend $51,098 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: 72/7/21 Blend
34$774,000$774,000$774,000$774,000
35$857,613$816,591$804,594$914,661
36$890,722$802,237$777,181$938,880
37$925,495$785,466$747,136$958,862
38$962,049$766,107$714,318$979,469
39$1,000,509$743,977$678,578$1,000,756
40$1,041,012$718,883$639,762$1,022,783
41$1,083,708$690,620$597,706$1,045,619
42$1,128,758$658,973$552,242$1,069,341
43$1,176,341$623,713$503,192$1,094,034
44$1,226,650$584,597$450,371$1,119,793
45$1,279,895$541,369$393,585$1,146,725
46$1,336,308$493,759$332,633$1,174,950
47$1,396,139$441,481$267,304$1,204,601
48$1,459,664$384,232$197,378$1,235,826
49$1,527,184$321,694$122,624$1,268,791
50$1,599,028$253,528$42,803$1,303,681
51$1,675,556$179,378$0$1,340,700
52$1,757,163$98,868$0$1,389,575
53$1,844,281$11,600$0$1,451,915
54$1,937,383$0$0$1,518,465
55$2,036,989$0$0$1,595,984
56$2,143,668$0$0$1,679,990
57$2,258,043$0$0$1,770,082
58$2,380,800$0$0$1,866,803
59$2,512,689$0$0$1,970,750
60$2,654,537$0$0$2,082,575
61$2,807,248$0$0$2,202,998
62$2,971,816$0$0$2,332,805
63$3,149,335$0$0$2,472,863
64$3,341,004$0$0$2,624,124
65$3,548,142$0$0$2,787,633
66$3,772,199$0$0$2,964,538
67$4,014,767$0$0$3,156,105
68$4,277,598$0$0$3,363,720
69$4,562,617$0$0$3,588,911
70$4,871,942$0$0$3,833,358
71$5,207,902$0$0$4,098,907
72$5,573,060$0$0$4,387,590
73$5,970,233$0$0$4,701,642
74$6,402,523$0$0$5,043,524
75$6,873,341$0$0$5,415,940
76$7,386,441$0$0$5,821,869
77$7,945,957$0$0$6,264,588
78$8,556,435$0$0$6,747,704
79$9,222,882$0$0$7,275,188
80$9,950,808$0$0$7,851,411
81$10,746,278$0$0$8,481,185
82$11,615,973$0$0$9,169,807
83$12,567,243$0$0$9,923,109
84$13,608,186$0$0$10,747,515
85$14,747,716$0$0$11,650,097
86$15,995,650$0$0$12,638,641
87$17,362,799$0$0$13,721,724
88$18,861,069$0$0$14,908,790
89$20,503,571$0$0$16,210,242
90$22,304,746$0$0$17,637,536
91$24,280,500$0$0$19,203,290
92$26,448,352$0$0$20,921,404
93$28,827,600$0$0$22,807,184
94$31,439,498$0$0$24,877,497
95$34,307,461$0$0$27,150,916
96$37,457,283$0$0$29,647,906
97$40,917,376$0$0$32,391,007
98$44,719,041$0$0$35,405,054
99$48,896,760$0$0$38,717,404
100$53,488,523$0$0$42,358,197