Can I retire at age 35 with 762,000?

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 $762,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$62,925$62,365$61,818$61,284$60,763$59,756
2 years$31,151$30,571$30,009$29,464$28,935$27,924
3 years$20,561$19,978$19,418$18,878$18,357$17,373
4 years$15,267$14,686$14,131$13,600$13,093$12,143
5 years$12,092$11,514$10,966$10,446$9,953$9,040
6 years$9,975$9,402$8,862$8,354$7,875$7,001
7 years$8,464$7,896$7,365$6,868$6,405$5,569
8 years$7,331$6,768$6,246$5,762$5,313$4,516
9 years$6,451$5,893$5,380$4,908$4,475$3,715
10 years$5,747$5,194$4,690$4,230$3,813$3,090
11 years$5,171$4,624$4,129$3,682$3,279$2,593
12 years$4,692$4,151$3,664$3,229$2,841$2,191
13 years$4,286$3,751$3,274$2,851$2,478$1,862
14 years$3,939$3,409$2,942$2,531$2,172$1,590
15 years$3,639$3,115$2,656$2,257$1,912$1,363
16 years$3,376$2,858$2,408$2,021$1,690$1,172
17 years$3,144$2,632$2,191$1,816$1,499$1,011
18 years$2,939$2,432$2,000$1,636$1,333$874
19 years$2,755$2,254$1,831$1,479$1,188$757
20 years$2,590$2,094$1,680$1,339$1,061$656
21 years$2,441$1,951$1,546$1,215$949$570
22 years$2,305$1,821$1,425$1,105$851$496
23 years$2,181$1,703$1,315$1,006$764$432
24 years$2,068$1,596$1,217$918$687$377
25 years$1,965$1,497$1,127$838$618$329
26 years$1,869$1,407$1,045$766$557$287
27 years$1,780$1,325$970$702$502$251
28 years$1,698$1,248$902$643$453$219
29 years$1,622$1,177$839$589$409$191
30 years$1,551$1,112$782$541$369$167
31 years$1,485$1,051$729$497$334$147
32 years$1,423$995$680$457$302$128
33 years$1,365$942$635$420$273$112
34 years$1,310$893$593$386$248$98
35 years$1,259$847$555$356$224$86
36 years$1,210$804$519$328$203$75
37 years$1,165$763$486$302$184$66
38 years$1,121$725$455$278$167$58
39 years$1,080$690$426$256$151$51
40 years$1,042$656$399$237$137$45
41 years$1,005$625$375$218$125$39
42 years$970$595$351$201$113$34
43 years$937$567$330$186$103$30
44 years$905$540$309$172$93$26
45 years$875$515$291$159$85$23
46 years$847$492$273$146$77$20
47 years$819$469$256$135$70$18
48 years$793$448$241$125$63$16
49 years$768$428$226$116$57$14
50 years$744$409$213$107$52$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $762,000, adding $2,948 every year, while hoping to spend $32,072 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: 28/49/23 Blend
34$762,000$762,000$762,000$762,000
35$842,765$802,379$790,568$860,213
36$894,603$807,571$782,928$879,301
37$950,653$811,943$773,956$896,775
38$1,011,311$815,420$763,576$914,878
39$1,077,013$817,924$751,704$933,685
40$1,148,237$819,371$738,254$953,280
41$1,225,509$819,671$723,138$973,758
42$1,309,407$818,732$706,259$995,226
43$1,400,568$816,451$687,520$1,017,806
44$1,499,692$812,723$666,818$1,041,635
45$1,607,549$807,435$644,045$1,066,867
46$1,724,987$800,467$619,088$1,093,675
47$1,852,937$791,691$591,829$1,122,254
48$1,992,427$780,974$562,145$1,152,821
49$2,144,584$768,172$529,907$1,185,621
50$2,310,653$753,134$494,981$1,220,928
51$2,492,002$735,699$457,225$1,259,049
52$2,690,137$715,699$416,492$1,300,326
53$2,906,716$692,953$372,630$1,345,142
54$3,143,564$667,272$325,476$1,393,924
55$3,402,693$638,453$274,865$1,447,151
56$3,686,315$606,285$220,620$1,505,353
57$3,996,868$570,542$162,560$1,569,124
58$4,337,035$530,985$100,493$1,639,124
59$4,709,773$487,364$34,219$1,716,089
60$5,118,337$439,411$0$1,800,837
61$5,566,311$386,846$0$1,903,237
62$6,057,645$329,371$0$2,024,886
63$6,596,687$266,673$0$2,158,558
64$7,188,228$198,419$0$2,305,560
65$7,837,544$124,259$0$2,467,340
66$8,550,449$43,822$0$2,645,500
67$9,333,344$0$0$2,841,814
68$10,193,284$0$0$3,081,584
69$11,138,037$0$0$3,371,092
70$12,176,163$0$0$3,689,348
71$13,317,093$0$0$4,039,260
72$14,571,215$0$0$4,424,031
73$15,949,975$0$0$4,847,191
74$17,465,982$0$0$5,312,629
75$19,133,128$0$0$5,824,628
76$20,966,720$0$0$6,387,910
77$22,983,622$0$0$7,007,676
78$25,202,414$0$0$7,689,656
79$27,643,569$0$0$8,440,164
80$30,329,643$0$0$9,266,158
81$33,285,488$0$0$10,175,305
82$36,538,490$0$0$11,176,050
83$40,118,821$0$0$12,277,702
84$44,059,728$0$0$13,490,515
85$48,397,845$0$0$14,825,791
86$53,173,536$0$0$16,295,981
87$58,431,280$0$0$17,914,806
88$64,220,086$0$0$19,697,386
89$70,593,958$0$0$21,660,379
90$77,612,402$0$0$23,822,145
91$85,340,991$0$0$26,202,911
92$93,851,978$0$0$28,824,969
93$103,224,980$0$0$31,712,882
94$113,547,732$0$0$34,893,716
95$124,916,910$0$0$38,397,299
96$137,439,044$0$0$42,256,496
97$151,231,525$0$0$46,507,525
98$166,423,710$0$0$51,190,297
99$183,158,145$0$0$56,348,790
100$201,591,908$0$0$62,031,468