Can I retire at age 35 with 764,000?

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 $764,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$63,090$62,528$61,980$61,445$60,922$58,482
2 years$31,233$30,651$30,087$29,541$29,011$26,583
3 years$20,615$20,031$19,469$18,927$18,406$16,067
4 years$15,307$14,725$14,168$13,636$13,127$10,895
5 years$12,123$11,544$10,995$10,474$9,979$7,859
6 years$10,001$9,427$8,886$8,376$7,896$5,889
7 years$8,486$7,917$7,384$6,886$6,422$4,528
8 years$7,351$6,786$6,262$5,777$5,327$3,545
9 years$6,468$5,908$5,394$4,920$4,486$2,812
10 years$5,762$5,208$4,702$4,242$3,823$2,253
11 years$5,185$4,636$4,140$3,691$3,288$1,819
12 years$4,704$4,161$3,674$3,238$2,849$1,478
13 years$4,298$3,761$3,282$2,859$2,484$1,206
14 years$3,950$3,418$2,949$2,537$2,178$988
15 years$3,648$3,123$2,663$2,263$1,917$812
16 years$3,385$2,865$2,414$2,026$1,695$669
17 years$3,153$2,639$2,197$1,821$1,503$552
18 years$2,946$2,438$2,005$1,641$1,336$456
19 years$2,762$2,260$1,836$1,483$1,191$378
20 years$2,597$2,100$1,685$1,343$1,064$313
21 years$2,447$1,956$1,550$1,219$952$260
22 years$2,311$1,826$1,428$1,108$853$216
23 years$2,187$1,708$1,319$1,009$766$179
24 years$2,074$1,600$1,220$920$688$149
25 years$1,970$1,501$1,130$840$619$124
26 years$1,874$1,411$1,048$769$558$103
27 years$1,785$1,328$973$703$503$86
28 years$1,703$1,251$904$644$454$71
29 years$1,626$1,181$842$591$410$59
30 years$1,555$1,115$784$542$370$49
31 years$1,489$1,054$731$498$335$41
32 years$1,427$997$682$458$303$34
33 years$1,368$944$637$421$274$29
34 years$1,313$895$595$387$248$24
35 years$1,262$849$556$357$225$20
36 years$1,213$806$520$328$204$17
37 years$1,168$765$487$303$185$14
38 years$1,124$727$456$279$167$11
39 years$1,083$692$427$257$152$10
40 years$1,045$658$400$237$138$8
41 years$1,008$626$376$219$125$7
42 years$973$597$352$202$113$6
43 years$939$568$331$186$103$5
44 years$908$542$310$172$93$4
45 years$878$517$291$159$85$3
46 years$849$493$274$147$77$3
47 years$821$470$257$136$70$2
48 years$795$449$242$125$63$2
49 years$770$429$227$116$58$2
50 years$746$410$213$107$52$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $764,000, adding $6,752 every year, while hoping to spend $41,909 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: 75/6/19 Blend
34$764,000$764,000$764,000$764,000
35$848,893$808,401$796,559$908,309
36$890,889$803,421$778,653$943,613
37$935,764$796,794$758,742$976,496
38$983,768$788,392$736,715$1,011,442
39$1,035,173$778,085$712,457$1,048,644
40$1,090,280$765,730$685,844$1,088,319
41$1,149,419$751,181$656,749$1,130,704
42$1,212,949$734,278$625,039$1,176,062
43$1,281,267$714,855$590,575$1,224,682
44$1,354,808$692,735$553,212$1,276,885
45$1,434,050$667,731$512,796$1,333,023
46$1,519,519$639,645$469,170$1,393,487
47$1,611,790$608,267$422,167$1,458,709
48$1,711,496$573,376$371,614$1,529,163
49$1,819,335$534,738$317,329$1,605,375
50$1,936,071$492,104$259,124$1,687,925
51$2,062,546$445,213$196,800$1,777,453
52$2,199,685$393,788$130,152$1,874,667
53$2,348,505$337,536$58,964$1,980,345
54$2,510,125$276,147$0$2,095,350
55$2,685,775$209,296$0$2,224,079
56$2,876,810$136,637$0$2,377,116
57$3,084,718$57,806$0$2,543,702
58$3,311,139$0$0$2,725,167
59$3,557,876$0$0$2,924,796
60$3,826,913$0$0$3,146,658
61$4,120,436$0$0$3,388,742
62$4,440,848$0$0$3,653,033
63$4,790,796$0$0$3,941,719
64$5,173,194$0$0$4,257,208
65$5,591,249$0$0$4,602,149
66$6,048,492$0$0$4,979,462
67$6,548,813$0$0$5,392,360
68$7,096,494$0$0$5,844,380
69$7,696,248$0$0$6,339,420
70$8,353,268$0$0$6,881,769
71$9,073,273$0$0$7,476,153
72$9,862,559$0$0$8,127,776
73$10,728,062$0$0$8,842,370
74$11,677,422$0$0$9,626,248
75$12,719,051$0$0$10,486,363
76$13,862,219$0$0$11,430,375
77$15,117,134$0$0$12,466,719
78$16,495,040$0$0$13,604,689
79$18,008,325$0$0$14,854,523
80$19,670,636$0$0$16,227,498
81$21,497,004$0$0$17,736,037
82$23,503,990$0$0$19,393,828
83$25,709,839$0$0$21,215,947
84$28,134,651$0$0$23,219,007
85$30,800,570$0$0$25,421,309
86$33,731,992$0$0$27,843,015
87$36,955,796$0$0$30,506,341
88$40,501,598$0$0$33,435,761
89$44,402,025$0$0$36,658,241
90$48,693,028$0$0$40,203,494
91$53,414,215$0$0$44,104,255
92$58,609,231$0$0$48,396,593
93$64,326,161$0$0$53,120,252
94$70,617,990$0$0$58,319,021
95$77,543,098$0$0$64,041,150
96$85,165,813$0$0$70,339,805
97$93,557,014$0$0$77,273,566
98$102,794,802$0$0$84,906,982
99$112,965,237$0$0$93,311,179
100$124,163,144$0$0$102,564,530