Can I retire at age 35 with 775,000?

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 $775,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$63,999$63,429$62,873$62,330$61,800$59,465
2 years$31,683$31,093$30,521$29,966$29,428$27,104
3 years$20,912$20,319$19,749$19,200$18,671$16,428
4 years$15,528$14,937$14,372$13,832$13,316$11,174
5 years$12,298$11,711$11,153$10,624$10,123$8,086
6 years$10,145$9,563$9,014$8,496$8,010$6,080
7 years$8,609$8,031$7,490$6,985$6,514$4,690
8 years$7,456$6,884$6,352$5,860$5,404$3,685
9 years$6,561$5,994$5,471$4,991$4,551$2,934
10 years$5,845$5,283$4,770$4,303$3,878$2,360
11 years$5,259$4,703$4,199$3,745$3,335$1,913
12 years$4,772$4,221$3,727$3,284$2,890$1,560
13 years$4,359$3,815$3,330$2,900$2,520$1,278
14 years$4,006$3,468$2,992$2,574$2,209$1,052
15 years$3,701$3,168$2,701$2,296$1,945$868
16 years$3,434$2,906$2,449$2,055$1,719$718
17 years$3,198$2,677$2,229$1,847$1,524$595
18 years$2,989$2,473$2,034$1,664$1,355$495
19 years$2,802$2,292$1,862$1,504$1,208$411
20 years$2,634$2,130$1,709$1,362$1,079$343
21 years$2,482$1,984$1,572$1,236$966$285
22 years$2,344$1,852$1,449$1,124$866$238
23 years$2,219$1,732$1,338$1,024$777$199
24 years$2,104$1,623$1,237$934$698$166
25 years$1,998$1,523$1,146$853$628$139
26 years$1,901$1,431$1,063$780$566$116
27 years$1,811$1,347$987$714$510$97
28 years$1,727$1,269$917$654$460$81
29 years$1,650$1,198$854$600$416$68
30 years$1,578$1,131$795$550$376$57
31 years$1,510$1,069$741$505$340$48
32 years$1,447$1,012$692$464$307$40
33 years$1,388$958$646$427$278$33
34 years$1,332$908$603$393$252$28
35 years$1,280$861$564$362$228$23
36 years$1,231$817$528$333$207$20
37 years$1,184$776$494$307$187$16
38 years$1,140$738$463$283$170$14
39 years$1,099$702$433$261$154$11
40 years$1,060$667$406$241$140$10
41 years$1,022$635$381$222$127$8
42 years$987$605$357$205$115$7
43 years$953$577$335$189$104$6
44 years$921$550$315$175$95$5
45 years$890$524$296$161$86$4
46 years$861$500$278$149$78$3
47 years$833$477$261$138$71$3
48 years$807$455$245$127$64$2
49 years$781$435$230$118$58$2
50 years$757$415$217$109$53$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $775,000, adding $4,977 every year, while hoping to spend $40,622 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: 29/43/28 Blend
34$775,000$775,000$775,000$775,000
35$859,184$818,109$806,096$876,562
36$903,599$814,975$789,879$887,553
37$951,183$810,325$771,757$895,500
38$1,002,217$804,044$751,624$903,234
39$1,057,007$796,006$729,367$910,765
40$1,115,891$786,080$704,871$918,107
41$1,179,241$774,127$678,012$925,280
42$1,247,462$759,998$648,664$932,312
43$1,321,002$743,536$616,693$939,235
44$1,400,351$724,577$581,960$946,092
45$1,486,049$702,943$544,318$952,933
46$1,578,689$678,450$503,615$959,820
47$1,678,921$650,900$459,692$966,826
48$1,787,462$620,085$412,382$974,038
49$1,905,098$585,785$361,513$981,559
50$2,032,696$547,766$306,901$989,506
51$2,171,207$505,783$248,359$998,020
52$2,321,679$459,575$185,687$1,007,258
53$2,485,262$408,866$118,680$1,017,407
54$2,663,224$353,366$47,121$1,028,676
55$2,856,959$292,767$0$1,041,308
56$3,068,001$226,744$0$1,064,317
57$3,298,037$154,955$0$1,104,869
58$3,548,926$77,036$0$1,149,303
59$3,822,712$0$0$1,198,097
60$4,121,645$0$0$1,255,288
61$4,448,203$0$0$1,357,700
62$4,805,115$0$0$1,469,750
63$5,195,382$0$0$1,592,397
64$5,622,310$0$0$1,726,694
65$6,089,541$0$0$1,873,805
66$6,601,083$0$0$2,035,006
67$7,161,350$0$0$2,211,707
68$7,775,203$0$0$2,405,459
69$8,447,996$0$0$2,617,971
70$9,185,626$0$0$2,851,125
71$9,994,585$0$0$3,106,993
72$10,882,027$0$0$3,387,859
73$11,855,830$0$0$3,696,238
74$12,924,672$0$0$4,034,900
75$14,098,111$0$0$4,406,897
76$15,386,678$0$0$4,815,592
77$16,801,971$0$0$5,264,688
78$18,356,768$0$0$5,758,267
79$20,065,146$0$0$6,300,822
80$21,942,612$0$0$6,897,307
81$24,006,251$0$0$7,553,179
82$26,274,884$0$0$8,274,448
83$28,769,247$0$0$9,067,739
84$31,512,186$0$0$9,940,348
85$34,528,872$0$0$10,900,315
86$37,847,037$0$0$11,956,500
87$41,497,236$0$0$13,118,663
88$45,513,134$0$0$14,397,558
89$49,931,823$0$0$15,805,036
90$54,794,174$0$0$17,354,153
91$60,145,218$0$0$19,059,295
92$66,034,572$0$0$20,936,314
93$72,516,909$0$0$23,002,678
94$79,652,468$0$0$25,277,634
95$87,507,628$0$0$27,782,388
96$96,155,529$0$0$30,540,310
97$105,676,762$0$0$33,577,150
98$116,160,132$0$0$36,921,282
99$127,703,492$0$0$40,603,972
100$140,414,669$0$0$44,659,674