Can I retire at age 35 with 715,000?

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 $715,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$59,044$58,518$58,005$57,504$57,015$55,323
2 years$29,230$28,685$28,158$27,646$27,150$25,459
3 years$19,293$18,746$18,220$17,713$17,225$15,589
4 years$14,325$13,780$13,259$12,761$12,285$10,716
5 years$11,346$10,804$10,290$9,802$9,339$7,840
6 years$9,360$8,822$8,316$7,839$7,390$5,964
7 years$7,942$7,409$6,910$6,445$6,010$4,656
8 years$6,879$6,351$5,861$5,406$4,986$3,704
9 years$6,053$5,530$5,048$4,605$4,199$2,987
10 years$5,392$4,874$4,401$3,969$3,577$2,434
11 years$4,852$4,339$3,874$3,455$3,077$2,000
12 years$4,402$3,895$3,438$3,030$2,666$1,654
13 years$4,022$3,519$3,072$2,675$2,325$1,375
14 years$3,696$3,199$2,760$2,375$2,038$1,148
15 years$3,414$2,922$2,492$2,118$1,794$962
16 years$3,168$2,681$2,259$1,896$1,586$808
17 years$2,950$2,469$2,056$1,704$1,406$680
18 years$2,757$2,282$1,877$1,535$1,250$574
19 years$2,585$2,115$1,718$1,387$1,114$485
20 years$2,430$1,965$1,577$1,257$995$410
21 years$2,290$1,830$1,450$1,140$891$348
22 years$2,163$1,709$1,337$1,037$799$295
23 years$2,047$1,598$1,234$944$717$250
24 years$1,941$1,497$1,141$861$644$212
25 years$1,843$1,405$1,057$787$580$181
26 years$1,754$1,321$981$719$522$154
27 years$1,671$1,243$911$658$471$131
28 years$1,594$1,171$846$603$425$111
29 years$1,522$1,105$788$553$384$95
30 years$1,455$1,043$734$508$347$80
31 years$1,393$986$684$466$313$69
32 years$1,335$933$638$428$283$58
33 years$1,280$884$596$394$257$50
34 years$1,229$838$557$363$232$42
35 years$1,181$795$521$334$210$36
36 years$1,136$754$487$307$191$31
37 years$1,093$716$456$283$173$26
38 years$1,052$681$427$261$157$22
39 years$1,014$647$400$241$142$19
40 years$978$616$375$222$129$16
41 years$943$586$351$205$117$14
42 years$910$558$330$189$106$12
43 years$879$532$309$174$96$10
44 years$850$507$290$161$87$9
45 years$821$484$273$149$79$7
46 years$794$461$256$137$72$6
47 years$769$440$241$127$65$5
48 years$744$420$226$117$59$5
49 years$721$401$213$108$54$4
50 years$698$383$200$100$49$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $715,000, adding $2,718 every year, while hoping to spend $30,915 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: 86/7/7 Blend
34$715,000$715,000$715,000$715,000
35$790,734$752,839$741,756$858,075
36$838,495$756,834$733,712$906,389
37$890,092$759,990$724,362$954,940
38$945,883$762,231$713,629$1,007,303
39$1,006,263$763,480$701,435$1,063,838
40$1,071,664$763,652$687,696$1,124,945
41$1,142,563$762,660$672,322$1,191,062
42$1,219,483$760,410$655,224$1,262,672
43$1,303,002$756,801$636,306$1,340,307
44$1,393,752$751,728$615,466$1,424,553
45$1,492,430$745,079$592,600$1,516,054
46$1,599,804$736,734$567,598$1,615,521
47$1,716,717$726,567$540,346$1,723,736
48$1,844,098$714,445$510,723$1,841,561
49$1,982,969$700,225$478,605$1,969,944
50$2,134,453$683,758$443,860$2,109,931
51$2,299,790$664,884$406,351$2,262,674
52$2,480,341$643,436$365,937$2,429,441
53$2,677,606$619,235$322,466$2,611,631
54$2,893,237$592,093$275,784$2,810,782
55$3,129,052$561,809$225,727$3,028,593
56$3,387,052$528,175$172,125$3,266,931
57$3,669,441$490,965$114,801$3,527,858
58$3,978,646$449,945$53,570$3,813,642
59$4,317,341$404,865$0$4,126,784
60$4,688,467$355,461$0$4,470,920
61$5,095,268$301,456$0$4,852,534
62$5,541,312$242,554$0$5,270,982
63$6,030,533$178,446$0$5,729,967
64$6,567,260$108,802$0$6,233,571
65$7,156,264$33,277$0$6,786,288
66$7,802,799$0$0$7,393,071
67$8,512,654$0$0$8,063,114
68$9,292,203$0$0$8,801,768
69$10,148,472$0$0$9,613,124
70$11,089,197$0$0$10,504,517
71$12,122,901$0$0$11,484,024
72$13,258,975$0$0$12,560,544
73$14,507,765$0$0$13,743,881
74$15,880,666$0$0$15,044,837
75$17,390,237$0$0$16,475,311
76$19,050,311$0$0$18,048,415
77$20,876,129$0$0$19,778,592
78$22,884,486$0$0$21,681,759
79$25,093,884$0$0$23,775,450
80$27,524,708$0$0$26,078,985
81$30,199,420$0$0$28,613,651
82$33,142,770$0$0$31,402,904
83$36,382,026$0$0$34,472,586
84$39,947,235$0$0$37,851,174
85$43,871,504$0$0$41,570,042
86$48,191,313$0$0$45,663,763
87$52,946,857$0$0$50,170,432
88$58,182,427$0$0$55,132,023
89$63,946,828$0$0$60,594,790
90$70,293,836$0$0$66,609,696
91$77,282,709$0$0$73,232,901
92$84,978,742$0$0$80,526,287
93$93,453,886$0$0$88,558,043
94$102,787,425$0$0$97,403,307
95$113,066,724$0$0$107,144,877
96$124,388,053$0$0$117,873,990
97$136,857,497$0$0$129,691,183
98$150,591,953$0$0$142,707,242
99$165,720,235$0$0$157,044,247
100$182,384,291$0$0$172,836,724