Can I retire at age 35 with 770,000?

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 $770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$63,586$63,019$62,467$61,928$61,401$60,334
2 years$31,478$30,892$30,324$29,773$29,239$28,167
3 years$20,777$20,188$19,621$19,076$18,550$17,508
4 years$15,427$14,840$14,279$13,743$13,230$12,224
5 years$12,219$11,635$11,081$10,556$10,057$9,091
6 years$10,080$9,501$8,955$8,442$7,958$7,033
7 years$8,553$7,979$7,442$6,940$6,472$5,588
8 years$7,408$6,839$6,311$5,822$5,369$4,526
9 years$6,519$5,955$5,436$4,959$4,522$3,719
10 years$5,807$5,249$4,739$4,275$3,853$3,090
11 years$5,225$4,673$4,172$3,720$3,313$2,590
12 years$4,741$4,194$3,703$3,263$2,871$2,185
13 years$4,331$3,790$3,308$2,881$2,504$1,855
14 years$3,981$3,445$2,972$2,557$2,195$1,582
15 years$3,677$3,147$2,684$2,281$1,933$1,354
16 years$3,411$2,888$2,433$2,042$1,708$1,163
17 years$3,177$2,659$2,214$1,835$1,514$1,001
18 years$2,970$2,457$2,021$1,654$1,347$864
19 years$2,784$2,277$1,850$1,494$1,200$747
20 years$2,617$2,116$1,698$1,353$1,072$647
21 years$2,466$1,971$1,562$1,228$959$562
22 years$2,329$1,840$1,440$1,117$860$488
23 years$2,204$1,721$1,329$1,017$772$424
24 years$2,090$1,612$1,229$928$694$369
25 years$1,985$1,513$1,139$847$624$322
26 years$1,888$1,422$1,056$775$562$280
27 years$1,799$1,338$981$709$507$244
28 years$1,716$1,261$912$650$457$213
29 years$1,639$1,190$848$596$413$186
30 years$1,567$1,124$790$547$373$163
31 years$1,500$1,062$737$502$337$142
32 years$1,438$1,005$687$461$305$124
33 years$1,379$952$642$424$276$108
34 years$1,324$902$600$390$250$95
35 years$1,272$856$561$359$227$83
36 years$1,223$812$524$331$205$73
37 years$1,177$771$491$305$186$63
38 years$1,133$733$460$281$169$56
39 years$1,092$697$431$259$153$49
40 years$1,053$663$404$239$139$42
41 years$1,016$631$378$221$126$37
42 years$980$601$355$204$114$33
43 years$947$573$333$188$104$28
44 years$915$546$313$173$94$25
45 years$884$521$294$160$85$22
46 years$855$497$276$148$78$19
47 years$828$474$259$137$70$17
48 years$801$453$243$126$64$15
49 years$776$432$229$117$58$13
50 years$752$413$215$108$53$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $770,000, adding $5,930 every year, while hoping to spend $40,294 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: 67/24/9 Blend
34$770,000$770,000$770,000$770,000
35$854,657$813,847$801,912$910,003
36$898,959$810,853$785,903$944,542
37$946,430$806,362$768,008$976,909
38$997,350$800,257$748,120$1,011,234
39$1,052,027$792,417$726,129$1,047,704
40$1,110,798$782,710$701,920$1,086,525
41$1,174,036$770,999$675,370$1,127,925
42$1,242,147$757,137$646,354$1,172,156
43$1,315,578$740,969$614,739$1,219,498
44$1,394,821$722,331$580,387$1,270,258
45$1,480,417$701,049$543,154$1,324,779
46$1,572,958$676,939$502,888$1,383,439
47$1,673,096$649,806$459,432$1,446,655
48$1,781,549$619,443$412,620$1,514,890
49$1,899,105$585,634$362,280$1,588,655
50$2,026,630$548,147$308,234$1,668,515
51$2,165,079$506,738$250,291$1,755,096
52$2,315,498$461,150$188,258$1,849,088
53$2,479,042$411,109$121,928$1,951,255
54$2,656,980$356,329$51,088$2,062,443
55$2,850,707$296,504$0$2,183,585
56$3,061,760$231,314$0$2,318,066
57$3,291,829$160,418$0$2,470,062
58$3,542,775$83,457$0$2,635,944
59$3,816,646$54$0$2,817,129
60$4,115,695$0$0$3,015,182
61$4,442,404$0$0$3,255,646
62$4,799,506$0$0$3,518,541
63$5,190,007$0$0$3,806,072
64$5,617,219$0$0$4,120,684
65$6,084,788$0$0$4,465,067
66$6,596,730$0$0$4,842,185
67$7,157,466$0$0$5,255,303
68$7,771,864$0$0$5,708,014
69$8,445,288$0$0$6,204,276
70$9,183,643$0$0$6,748,450
71$9,993,433$0$0$7,345,336
72$10,881,824$0$0$8,000,224
73$11,856,706$0$0$8,718,939
74$12,926,771$0$0$9,507,898
75$14,101,594$0$0$10,374,169
76$15,391,723$0$0$11,325,538
77$16,808,775$0$0$12,370,582
78$18,365,550$0$0$13,518,751
79$20,076,148$0$0$14,780,454
80$21,956,103$0$0$16,167,159
81$24,022,526$0$0$17,691,499
82$26,294,272$0$0$19,367,393
83$28,792,112$0$0$21,210,177
84$31,538,930$0$0$23,236,744
85$34,559,939$0$0$25,465,710
86$37,882,919$0$0$27,917,584
87$41,538,475$0$0$30,614,961
88$45,560,329$0$0$33,582,739
89$49,985,639$0$0$36,848,349
90$54,855,342$0$0$40,442,017
91$60,214,546$0$0$44,397,045
92$66,112,954$0$0$48,750,130
93$72,605,330$0$0$53,541,704
94$79,752,017$0$0$58,816,319
95$87,619,506$0$0$64,623,066
96$96,281,062$0$0$71,016,037
97$105,817,413$0$0$78,054,835
98$116,317,517$0$0$85,805,138
99$127,879,393$0$0$94,339,316
100$140,611,052$0$0$103,737,116