Can I retire at age 35 with 773,000?

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 $773,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$63,834$63,265$62,710$62,169$61,640$60,199
2 years$31,601$31,012$30,442$29,889$29,352$27,909
3 years$20,858$20,267$19,698$19,150$18,622$17,221
4 years$15,488$14,898$14,335$13,797$13,282$11,934
5 years$12,266$11,680$11,125$10,597$10,096$8,806
6 years$10,119$9,538$8,990$8,475$7,989$6,757
7 years$8,586$8,010$7,471$6,967$6,497$5,323
8 years$7,437$6,866$6,336$5,845$5,390$4,274
9 years$6,544$5,978$5,457$4,978$4,539$3,481
10 years$5,830$5,269$4,758$4,291$3,868$2,865
11 years$5,246$4,691$4,189$3,735$3,326$2,379
12 years$4,759$4,210$3,717$3,276$2,882$1,988
13 years$4,348$3,805$3,321$2,892$2,514$1,670
14 years$3,996$3,459$2,984$2,567$2,203$1,410
15 years$3,691$3,160$2,694$2,290$1,940$1,194
16 years$3,425$2,899$2,443$2,050$1,715$1,015
17 years$3,190$2,670$2,223$1,842$1,520$865
18 years$2,981$2,467$2,029$1,660$1,352$738
19 years$2,795$2,286$1,858$1,500$1,205$631
20 years$2,627$2,125$1,705$1,359$1,076$541
21 years$2,476$1,979$1,568$1,233$963$464
22 years$2,338$1,847$1,445$1,121$863$398
23 years$2,213$1,728$1,334$1,021$775$342
24 years$2,098$1,619$1,234$931$697$294
25 years$1,993$1,519$1,143$850$627$253
26 years$1,896$1,428$1,060$778$565$218
27 years$1,806$1,344$984$712$509$188
28 years$1,723$1,266$915$652$459$162
29 years$1,646$1,194$852$598$415$140
30 years$1,573$1,128$793$549$375$121
31 years$1,506$1,066$739$504$339$104
32 years$1,443$1,009$690$463$306$90
33 years$1,384$956$644$426$277$77
34 years$1,329$906$602$392$251$67
35 years$1,277$859$563$361$227$58
36 years$1,228$815$526$332$206$50
37 years$1,181$774$493$306$187$43
38 years$1,138$736$461$282$169$37
39 years$1,096$700$432$260$154$32
40 years$1,057$666$405$240$139$28
41 years$1,020$634$380$221$126$24
42 years$984$604$356$204$115$21
43 years$950$575$334$189$104$18
44 years$918$548$314$174$94$15
45 years$888$523$295$161$86$13
46 years$859$499$277$149$78$12
47 years$831$476$260$137$71$10
48 years$804$454$244$127$64$9
49 years$779$434$230$117$58$7
50 years$755$414$216$108$53$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $773,000, adding $5,889 every year, while hoping to spend $31,626 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: 51/31/18 Blend
34$773,000$773,000$773,000$773,000
35$857,921$816,952$804,970$897,137
36$911,779$823,332$798,287$931,147
37$970,070$828,966$790,319$964,336
38$1,033,214$833,782$780,992$999,735
39$1,101,671$837,706$770,224$1,037,565
40$1,175,947$840,660$757,933$1,078,068
41$1,256,600$842,558$744,029$1,121,515
42$1,344,241$843,311$728,422$1,168,203
43$1,439,545$842,825$711,015$1,218,463
44$1,543,252$840,997$691,709$1,272,660
45$1,656,180$837,722$670,397$1,331,197
46$1,779,225$832,885$646,970$1,394,522
47$1,913,375$826,365$621,312$1,463,130
48$2,059,717$818,035$593,304$1,537,567
49$2,219,449$807,760$562,820$1,618,440
50$2,393,887$795,394$529,729$1,706,416
51$2,584,481$780,786$493,893$1,802,237
52$2,792,828$763,774$455,168$1,906,720
53$3,020,685$744,188$413,405$2,020,769
54$3,269,988$721,846$368,447$2,145,385
55$3,542,868$696,557$320,130$2,281,672
56$3,841,670$668,118$268,285$2,430,852
57$4,168,979$636,315$212,731$2,594,274
58$4,527,641$600,920$153,283$2,773,429
59$4,920,789$561,694$89,747$2,969,964
60$5,351,875$518,383$21,919$3,185,699
61$5,824,700$470,718$0$3,422,644
62$6,343,453$418,416$0$3,692,711
63$6,912,743$361,177$0$3,993,783
64$7,537,653$298,684$0$4,324,396
65$8,223,777$230,604$0$4,687,588
66$8,977,281$156,581$0$5,086,707
67$9,804,954$76,244$0$5,525,448
68$10,714,278$0$0$6,007,887
69$11,713,493$0$0$6,542,204
70$12,811,678$0$0$7,158,115
71$14,018,836$0$0$7,835,229
72$15,345,985$0$0$8,579,738
73$16,805,266$0$0$9,398,466
74$18,410,055$0$0$10,298,926
75$20,175,087$0$0$11,289,401
76$22,116,600$0$0$12,379,014
77$24,252,482$0$0$13,577,818
78$26,602,444$0$0$14,896,887
79$29,188,202$0$0$16,348,427
80$32,033,686$0$0$17,945,884
81$35,165,260$0$0$19,704,074
82$38,611,974$0$0$21,639,323
83$42,405,840$0$0$23,769,617
84$46,582,126$0$0$26,114,779
85$51,179,696$0$0$28,696,648
86$56,241,373$0$0$31,539,290
87$61,814,344$0$0$34,669,223
88$67,950,603$0$0$38,115,665
89$74,707,443$0$0$41,910,816
90$82,147,996$0$0$46,090,153
91$90,341,828$0$0$50,692,773
92$99,365,595$0$0$55,761,754
93$109,303,767$0$0$61,344,569
94$120,249,422$0$0$67,493,527
95$132,305,130$0$0$74,266,270
96$145,583,914$0$0$81,726,319
97$160,210,318$0$0$89,943,666
98$176,321,587$0$0$98,995,442
99$194,068,954$0$0$108,966,642
100$213,619,073$0$0$119,950,924