Can I retire at age 35 with 771,000?

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 $771,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$63,668$63,101$62,548$62,008$61,481$59,299
2 years$31,519$30,932$30,363$29,812$29,276$27,102
3 years$20,804$20,214$19,647$19,101$18,574$16,475
4 years$15,447$14,860$14,298$13,761$13,247$11,239
5 years$12,234$11,650$11,096$10,570$10,070$8,159
6 years$10,093$9,513$8,967$8,453$7,968$6,155
7 years$8,564$7,989$7,452$6,949$6,480$4,765
8 years$7,418$6,848$6,320$5,830$5,376$3,757
9 years$6,527$5,963$5,443$4,966$4,527$3,002
10 years$5,815$5,256$4,745$4,280$3,858$2,424
11 years$5,232$4,679$4,178$3,725$3,318$1,972
12 years$4,747$4,200$3,708$3,268$2,875$1,615
13 years$4,337$3,795$3,313$2,885$2,507$1,329
14 years$3,986$3,450$2,976$2,561$2,198$1,098
15 years$3,682$3,151$2,687$2,284$1,935$910
16 years$3,416$2,891$2,436$2,045$1,710$756
17 years$3,182$2,663$2,217$1,837$1,516$630
18 years$2,973$2,461$2,024$1,656$1,348$525
19 years$2,788$2,280$1,853$1,496$1,202$439
20 years$2,620$2,119$1,700$1,355$1,073$367
21 years$2,469$1,974$1,564$1,230$961$308
22 years$2,332$1,842$1,441$1,118$861$258
23 years$2,207$1,723$1,331$1,018$773$216
24 years$2,093$1,615$1,231$929$695$181
25 years$1,988$1,515$1,140$848$625$152
26 years$1,891$1,424$1,057$776$563$128
27 years$1,801$1,340$982$710$508$107
28 years$1,718$1,263$913$650$458$90
29 years$1,641$1,191$849$596$414$76
30 years$1,569$1,125$791$547$374$64
31 years$1,502$1,064$738$503$338$54
32 years$1,440$1,006$688$462$306$45
33 years$1,381$953$643$425$277$38
34 years$1,325$903$600$391$250$32
35 years$1,274$857$561$360$227$27
36 years$1,225$813$525$331$206$23
37 years$1,178$772$491$305$186$19
38 years$1,135$734$460$281$169$16
39 years$1,093$698$431$260$153$13
40 years$1,054$664$404$239$139$11
41 years$1,017$632$379$221$126$10
42 years$982$602$355$204$114$8
43 years$948$574$334$188$104$7
44 years$916$547$313$174$94$6
45 years$886$521$294$160$86$5
46 years$857$497$276$148$78$4
47 years$829$475$259$137$71$3
48 years$802$453$244$127$64$3
49 years$777$433$229$117$58$2
50 years$753$413$215$108$53$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $771,000, adding $2,498 every year, while hoping to spend $30,634 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: 32/50/18 Blend
34$771,000$771,000$771,000$771,000
35$852,219$811,356$799,405$874,633
36$906,551$818,518$793,591$898,689
37$965,398$825,004$786,555$921,599
38$1,029,188$830,749$778,225$945,625
39$1,098,393$835,683$768,523$970,881
40$1,173,530$839,732$757,369$997,497
41$1,255,168$842,818$744,679$1,025,617
42$1,343,934$844,855$730,365$1,055,401
43$1,440,518$845,756$714,335$1,087,029
44$1,545,678$845,425$696,492$1,120,700
45$1,660,248$843,761$676,736$1,156,638
46$1,785,147$840,660$654,960$1,195,090
47$1,921,386$836,006$631,055$1,236,334
48$2,070,077$829,680$604,905$1,280,677
49$2,232,445$821,554$576,389$1,328,462
50$2,409,838$811,493$545,382$1,380,069
51$2,603,740$799,355$511,750$1,435,924
52$2,815,785$784,987$475,357$1,496,497
53$3,047,772$768,228$436,059$1,562,310
54$3,301,682$748,909$393,705$1,633,947
55$3,579,697$726,849$348,137$1,712,052
56$3,884,219$701,857$299,192$1,797,342
57$4,217,892$673,731$246,698$1,890,612
58$4,583,631$642,258$190,477$1,992,744
59$4,984,644$607,211$130,340$2,104,716
60$5,424,466$568,352$66,094$2,227,614
61$5,906,987$525,427$0$2,362,639
62$6,436,497$478,170$0$2,511,597
63$7,017,716$426,298$0$2,689,069
64$7,655,849$369,511$0$2,884,024
65$8,356,624$307,496$0$3,098,317
66$9,126,354$239,918$0$3,334,000
67$9,971,993$166,425$0$3,593,340
68$10,901,202$86,645$0$3,878,842
69$11,922,421$187$0$4,193,276
70$13,044,946$0$0$4,539,705
71$14,279,022$0$0$4,972,879
72$15,635,934$0$0$5,449,412
73$17,128,115$0$0$5,973,585
74$18,769,264$0$0$6,550,226
75$20,574,474$0$0$7,184,655
76$22,560,373$0$0$7,882,735
77$24,745,285$0$0$8,650,924
78$27,149,395$0$0$9,496,339
79$29,794,948$0$0$10,426,821
80$32,706,451$0$0$11,451,012
81$35,910,908$0$0$12,578,430
82$39,438,075$0$0$13,819,566
83$43,320,737$0$0$15,185,980
84$47,595,019$0$0$16,690,408
85$52,300,729$0$0$18,346,884
86$57,481,728$0$0$20,170,873
87$63,186,348$0$0$22,179,417
88$69,467,847$0$0$24,391,292
89$76,384,907$0$0$26,827,190
90$84,002,195$0$0$29,509,911
91$92,390,966$0$0$32,464,580
92$101,629,740$0$0$35,718,882
93$111,805,037$0$0$39,303,324
94$123,012,200$0$0$43,251,524
95$135,356,289$0$0$47,600,528
96$148,953,077$0$0$52,391,156
97$163,930,136$0$0$57,668,393
98$180,428,046$0$0$63,481,808
99$198,601,719$0$0$69,886,026
100$218,621,862$0$0$76,941,239