Can I retire at age 35 with 767,000?

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 $767,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$63,338$62,774$62,224$61,686$61,162$59,683
2 years$31,356$30,772$30,206$29,657$29,125$27,644
3 years$20,696$20,110$19,545$19,001$18,478$17,041
4 years$15,367$14,783$14,224$13,689$13,179$11,797
5 years$12,171$11,590$11,038$10,515$10,018$8,696
6 years$10,041$9,464$8,921$8,409$7,927$6,665
7 years$8,520$7,948$7,413$6,913$6,447$5,245
8 years$7,380$6,813$6,287$5,799$5,348$4,207
9 years$6,493$5,932$5,415$4,940$4,504$3,421
10 years$5,784$5,229$4,721$4,258$3,838$2,813
11 years$5,205$4,655$4,156$3,706$3,300$2,332
12 years$4,722$4,178$3,688$3,251$2,860$1,947
13 years$4,314$3,775$3,295$2,870$2,494$1,634
14 years$3,965$3,432$2,961$2,547$2,186$1,377
15 years$3,663$3,135$2,673$2,272$1,925$1,165
16 years$3,398$2,876$2,424$2,034$1,701$988
17 years$3,165$2,649$2,206$1,828$1,508$841
18 years$2,958$2,448$2,013$1,647$1,341$717
19 years$2,773$2,269$1,843$1,488$1,196$612
20 years$2,607$2,108$1,692$1,348$1,068$523
21 years$2,457$1,964$1,556$1,223$956$448
22 years$2,320$1,833$1,434$1,112$857$384
23 years$2,196$1,714$1,324$1,013$769$330
24 years$2,082$1,606$1,224$924$691$283
25 years$1,977$1,507$1,134$844$622$243
26 years$1,881$1,417$1,052$772$560$209
27 years$1,792$1,333$977$706$505$180
28 years$1,709$1,256$908$647$456$155
29 years$1,633$1,185$845$593$412$133
30 years$1,561$1,119$787$545$372$115
31 years$1,495$1,058$734$500$336$99
32 years$1,432$1,001$685$460$304$85
33 years$1,374$948$639$423$275$73
34 years$1,319$899$597$389$249$63
35 years$1,267$852$558$358$226$55
36 years$1,218$809$522$330$204$47
37 years$1,172$768$489$304$185$41
38 years$1,129$730$458$280$168$35
39 years$1,088$694$429$258$152$30
40 years$1,049$661$402$238$138$26
41 years$1,012$629$377$220$125$22
42 years$977$599$354$203$114$19
43 years$943$571$332$187$103$17
44 years$911$544$311$173$94$14
45 years$881$519$292$160$85$12
46 years$852$495$275$147$77$11
47 years$825$472$258$136$70$9
48 years$798$451$243$126$64$8
49 years$773$430$228$116$58$7
50 years$749$411$214$108$53$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $767,000, adding $6,581 every year, while hoping to spend $39,763 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: 50/41/9 Blend
34$767,000$767,000$767,000$767,000
35$852,022$811,371$799,483$892,288
36$896,621$808,821$783,958$917,959
37$944,436$804,813$766,580$941,064
38$995,754$799,234$747,246$965,244
39$1,050,888$791,964$725,846$990,610
40$1,110,183$782,874$702,266$1,017,288
41$1,174,017$771,831$676,388$1,045,416
42$1,242,807$758,690$648,086$1,075,150
43$1,317,007$743,300$617,232$1,106,664
44$1,397,121$725,501$583,687$1,140,154
45$1,483,697$705,121$547,311$1,175,835
46$1,577,343$681,980$507,955$1,213,952
47$1,678,724$655,889$465,463$1,254,773
48$1,788,571$626,644$419,673$1,298,601
49$1,907,688$594,033$370,416$1,345,770
50$2,036,961$557,830$317,513$1,396,656
51$2,177,363$517,795$260,782$1,451,675
52$2,329,964$473,677$200,027$1,511,289
53$2,495,940$425,207$135,049$1,576,014
54$2,676,589$372,105$65,636$1,646,424
55$2,873,335$314,072$0$1,723,154
56$3,087,746$250,793$0$1,807,724
57$3,321,549$181,935$0$1,906,888
58$3,576,645$107,147$0$2,015,231
59$3,855,123$26,057$0$2,133,747
60$4,159,286$0$0$2,263,535
61$4,491,668$0$0$2,433,662
62$4,855,060$0$0$2,632,592
63$5,252,533$0$0$2,850,259
64$5,687,469$0$0$3,088,526
65$6,163,593$0$0$3,349,445
66$6,685,006$0$0$3,635,272
67$7,256,223$0$0$3,948,496
68$7,882,219$0$0$4,291,854
69$8,568,471$0$0$4,668,365
70$9,321,013$0$0$5,081,350
71$10,146,488$0$0$5,534,469
72$11,052,215$0$0$6,031,753
73$12,046,257$0$0$6,577,643
74$13,137,492$0$0$7,177,028
75$14,335,703$0$0$7,835,298
76$15,651,664$0$0$8,558,387
77$17,097,245$0$0$9,352,833
78$18,685,523$0$0$10,225,840
79$20,430,902$0$0$11,185,343
80$22,349,253$0$0$12,240,083
81$24,458,059$0$0$13,399,693
82$26,776,582$0$0$14,674,784
83$29,326,045$0$0$16,077,045
84$32,129,827$0$0$17,619,359
85$35,213,690$0$0$19,315,916
86$38,606,016$0$0$21,182,352
87$42,338,075$0$0$23,235,896
88$46,444,324$0$0$25,495,529
89$50,962,724$0$0$27,982,166
90$55,935,105$0$0$30,718,851
91$61,407,556$0$0$33,730,978
92$67,430,859$0$0$37,046,524
93$74,060,971$0$0$40,696,317
94$81,359,548$0$0$44,714,327
95$89,394,527$0$0$49,137,985
96$98,240,767$0$0$54,008,534
97$107,980,755$0$0$59,371,420
98$118,705,385$0$0$65,276,723
99$130,514,810$0$0$71,779,623
100$143,519,393$0$0$78,940,926