Can I retire at age 35 with 715,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%11.5%
1 years$59,044$58,518$58,005$57,504$57,015$56,656
2 years$29,230$28,685$28,158$27,646$27,150$26,788
3 years$19,293$18,746$18,220$17,713$17,225$16,871
4 years$14,325$13,780$13,259$12,761$12,285$11,942
5 years$11,346$10,804$10,290$9,802$9,339$9,007
6 years$9,360$8,822$8,316$7,839$7,390$7,070
7 years$7,942$7,409$6,910$6,445$6,010$5,703
8 years$6,879$6,351$5,861$5,406$4,986$4,691
9 years$6,053$5,530$5,048$4,605$4,199$3,916
10 years$5,392$4,874$4,401$3,969$3,577$3,307
11 years$4,852$4,339$3,874$3,455$3,077$2,819
12 years$4,402$3,895$3,438$3,030$2,666$2,420
13 years$4,022$3,519$3,072$2,675$2,325$2,090
14 years$3,696$3,199$2,760$2,375$2,038$1,815
15 years$3,414$2,922$2,492$2,118$1,794$1,582
16 years$3,168$2,681$2,259$1,896$1,586$1,384
17 years$2,950$2,469$2,056$1,704$1,406$1,215
18 years$2,757$2,282$1,877$1,535$1,250$1,069
19 years$2,585$2,115$1,718$1,387$1,114$943
20 years$2,430$1,965$1,577$1,257$995$833
21 years$2,290$1,830$1,450$1,140$891$737
22 years$2,163$1,709$1,337$1,037$799$654
23 years$2,047$1,598$1,234$944$717$580
24 years$1,941$1,497$1,141$861$644$516
25 years$1,843$1,405$1,057$787$580$459
26 years$1,754$1,321$981$719$522$409
27 years$1,671$1,243$911$658$471$364
28 years$1,594$1,171$846$603$425$325
29 years$1,522$1,105$788$553$384$290
30 years$1,455$1,043$734$508$347$259
31 years$1,393$986$684$466$313$231
32 years$1,335$933$638$428$283$206
33 years$1,280$884$596$394$257$185
34 years$1,229$838$557$363$232$165
35 years$1,181$795$521$334$210$148
36 years$1,136$754$487$307$191$132
37 years$1,093$716$456$283$173$118
38 years$1,052$681$427$261$157$106
39 years$1,014$647$400$241$142$95
40 years$978$616$375$222$129$85
41 years$943$586$351$205$117$76
42 years$910$558$330$189$106$68
43 years$879$532$309$174$96$61
44 years$850$507$290$161$87$55
45 years$821$484$273$149$79$49
46 years$794$461$256$137$72$44
47 years$769$440$241$127$65$39
48 years$744$420$226$117$59$35
49 years$721$401$213$108$54$32
50 years$698$383$200$100$49$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $715,000, adding $6,443 every year, while hoping to spend $26,148 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: 47/27/26 Blend
34$715,000$715,000$715,000$715,000
35$794,576$756,681$745,598$825,743
36$847,801$765,937$742,755$857,576
37$905,580$774,770$738,939$889,040
38$968,347$783,132$734,092$922,679
39$1,036,584$790,972$728,150$958,710
40$1,110,820$798,234$721,047$997,375
41$1,191,636$804,859$712,714$1,038,940
42$1,279,671$810,786$703,079$1,083,698
43$1,375,631$815,947$692,065$1,131,975
44$1,480,289$820,273$679,594$1,184,132
45$1,594,500$823,687$665,581$1,240,566
46$1,719,201$826,110$649,940$1,301,719
47$1,855,427$827,457$632,581$1,368,076
48$2,004,315$827,637$613,407$1,440,176
49$2,167,119$826,555$592,319$1,518,614
50$2,345,216$824,108$569,214$1,604,048
51$2,540,127$820,188$543,981$1,697,204
52$2,753,524$814,680$516,508$1,798,886
53$2,987,247$807,463$486,675$1,909,981
54$3,243,325$798,408$454,357$2,031,469
55$3,523,992$787,378$419,426$2,164,434
56$3,831,707$774,227$381,744$2,310,072
57$4,169,179$758,802$341,171$2,469,705
58$4,539,392$740,941$297,557$2,644,793
59$4,945,634$720,470$250,749$2,836,947
60$5,391,524$697,208$200,584$3,047,948
61$5,881,049$670,962$146,894$3,279,760
62$6,418,603$641,526$89,502$3,534,555
63$7,009,025$608,685$28,225$3,814,728
64$7,657,646$572,211$0$4,122,924
65$8,370,337$531,860$0$4,472,373
66$9,153,568$487,378$0$4,865,013
67$10,014,467$438,495$0$5,296,620
68$10,960,885$384,924$0$5,771,179
69$12,001,474$326,363$0$6,293,086
70$13,145,764$262,495$0$6,867,185
71$14,404,256$192,981$0$7,498,820
72$15,788,520$117,467$0$8,193,881
73$17,311,301$35,575$0$8,958,864
74$18,986,646$0$0$9,800,931
75$20,830,028$0$0$10,743,750
76$22,858,497$0$0$11,792,959
77$25,090,840$0$0$12,947,718
78$27,547,756$0$0$14,218,746
79$30,252,054$0$0$15,617,856
80$33,228,865$0$0$17,158,062
81$36,505,880$0$0$18,853,706
82$40,113,612$0$0$20,720,589
83$44,085,683$0$0$22,776,124
84$48,459,141$0$0$25,039,498
85$53,274,808$0$0$27,531,853
86$58,577,667$0$0$30,276,484
87$64,417,286$0$0$33,299,065
88$70,848,284$0$0$36,627,881
89$77,930,847$0$0$40,294,105
90$85,731,297$0$0$44,332,084
91$94,322,716$0$0$48,779,668
92$103,785,634$0$0$53,678,566
93$114,208,793$0$0$59,074,738
94$125,689,980$0$0$65,018,829
95$138,336,953$0$0$71,566,650
96$152,268,455$0$0$78,779,699
97$167,615,336$0$0$86,725,746
98$184,521,787$0$0$95,479,472
99$203,146,701$0$0$105,123,170
100$223,665,172$0$0$115,747,526