Can I retire at age 35 with 774,000?

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 $774,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$63,916$63,347$62,791$62,249$61,720$60,179
2 years$31,642$31,052$30,481$29,928$29,390$27,848
3 years$20,885$20,293$19,723$19,175$18,646$17,150
4 years$15,508$14,918$14,354$13,814$13,299$11,861
5 years$12,282$11,696$11,139$10,611$10,110$8,733
6 years$10,132$9,550$9,002$8,486$7,999$6,686
7 years$8,597$8,020$7,481$6,976$6,506$5,256
8 years$7,447$6,875$6,344$5,852$5,397$4,211
9 years$6,552$5,986$5,464$4,985$4,545$3,421
10 years$5,837$5,276$4,764$4,297$3,873$2,809
11 years$5,253$4,697$4,194$3,740$3,331$2,326
12 years$4,766$4,216$3,722$3,280$2,886$1,939
13 years$4,354$3,810$3,325$2,896$2,517$1,625
14 years$4,001$3,463$2,988$2,571$2,206$1,368
15 years$3,696$3,164$2,698$2,293$1,943$1,155
16 years$3,429$2,903$2,446$2,053$1,717$979
17 years$3,194$2,673$2,226$1,844$1,522$832
18 years$2,985$2,470$2,032$1,662$1,354$708
19 years$2,798$2,289$1,860$1,502$1,206$604
20 years$2,631$2,127$1,707$1,360$1,078$515
21 years$2,479$1,981$1,570$1,235$964$441
22 years$2,341$1,850$1,447$1,122$864$377
23 years$2,216$1,730$1,336$1,022$776$323
24 years$2,101$1,621$1,236$932$697$277
25 years$1,995$1,521$1,144$851$628$238
26 years$1,898$1,430$1,061$779$565$204
27 years$1,808$1,345$986$713$510$175
28 years$1,725$1,268$916$653$460$151
29 years$1,648$1,196$853$599$415$129
30 years$1,576$1,129$794$550$375$111
31 years$1,508$1,068$740$505$339$96
32 years$1,445$1,010$691$464$307$82
33 years$1,386$957$645$427$278$71
34 years$1,331$907$603$392$251$61
35 years$1,278$860$563$361$228$52
36 years$1,229$816$527$333$206$45
37 years$1,183$775$493$307$187$39
38 years$1,139$737$462$283$170$33
39 years$1,098$701$433$261$154$29
40 years$1,058$667$406$240$139$25
41 years$1,021$635$380$222$127$21
42 years$985$604$357$205$115$18
43 years$952$576$335$189$104$16
44 years$920$549$314$174$95$14
45 years$889$523$295$161$86$12
46 years$860$499$277$149$78$10
47 years$832$476$260$137$71$9
48 years$805$455$245$127$64$7
49 years$780$434$230$117$58$6
50 years$756$415$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 $774,000, adding $3,596 every year, while hoping to spend $31,123 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: 60/27/13 Blend
34$774,000$774,000$774,000$774,000
35$856,657$815,635$803,638$905,115
36$910,922$822,487$797,446$945,004
37$969,678$828,631$790,002$984,676
38$1,033,351$834,000$781,234$1,027,204
39$1,102,410$838,523$771,061$1,072,867
40$1,177,367$842,122$759,403$1,121,972
41$1,258,789$844,716$746,174$1,174,859
42$1,347,298$846,220$731,284$1,231,903
43$1,443,579$846,541$714,638$1,293,517
44$1,548,384$845,582$696,138$1,360,159
45$1,662,543$843,239$675,682$1,432,334
46$1,786,966$839,402$653,162$1,510,599
47$1,922,659$833,954$628,465$1,595,570
48$2,070,725$826,773$601,473$1,687,926
49$2,232,380$817,726$572,064$1,788,418
50$2,408,963$806,675$540,108$1,897,874
51$2,601,947$793,472$505,472$2,017,209
52$2,812,955$777,961$468,014$2,147,433
53$3,043,772$759,976$427,588$2,289,659
54$3,296,365$739,344$384,041$2,445,118
55$3,572,899$715,877$337,211$2,615,168
56$3,875,760$689,380$286,933$2,801,308
57$4,207,573$659,645$233,030$3,005,191
58$4,571,230$626,452$175,322$3,228,644
59$4,969,916$589,569$113,616$3,473,681
60$5,407,140$548,750$47,714$3,742,526
61$5,886,765$503,735$0$4,037,631
62$6,413,046$454,250$0$4,364,842
63$6,990,672$400,003$0$4,731,274
64$7,624,805$340,688$0$5,133,629
65$8,321,135$275,981$0$5,575,577
66$9,085,926$205,540$0$6,061,163
67$9,926,081$129,002$0$6,594,849
68$10,849,203$45,985$0$7,181,553
69$11,863,670$0$0$7,826,700
70$12,978,710$0$0$8,549,318
71$14,204,489$0$0$9,358,789
72$15,552,209$0$0$10,248,856
73$17,034,212$0$0$11,227,676
74$18,664,092$0$0$12,304,239
75$20,456,830$0$0$13,488,449
76$22,428,931$0$0$14,791,218
77$24,598,579$0$0$16,224,567
78$26,985,812$0$0$17,801,745
79$29,612,705$0$0$19,537,347
80$32,503,582$0$0$21,447,454
81$35,685,246$0$0$23,549,787
82$39,187,229$0$0$25,863,871
83$43,042,069$0$0$28,411,219
84$47,285,622$0$0$31,215,538
85$51,957,395$0$0$34,302,949
86$57,100,921$0$0$37,702,233
87$62,764,168$0$0$41,445,106
88$68,999,994$0$0$45,566,515
89$75,866,642$0$0$50,104,969
90$83,428,290$0$0$55,102,902
91$91,755,658$0$0$60,607,072
92$100,926,675$0$0$66,669,003
93$111,027,211$0$0$73,345,470
94$122,151,892$0$0$80,699,039
95$134,404,988$0$0$88,798,650
96$147,901,398$0$0$97,720,274
97$162,767,735$0$0$107,547,624
98$179,143,521$0$0$118,372,950
99$197,182,501$0$0$130,297,906
100$217,054,098$0$0$143,434,512