Can I retire at age 35 with 743,000?

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 $743,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$61,356$60,810$60,277$59,756$59,248$58,338
2 years$30,374$29,809$29,260$28,729$28,213$27,299
3 years$20,048$19,480$18,933$18,407$17,900$17,009
4 years$14,886$14,320$13,779$13,261$12,766$11,907
5 years$11,790$11,227$10,693$10,186$9,705$8,878
6 years$9,727$9,168$8,641$8,146$7,679$6,887
7 years$8,253$7,699$7,181$6,697$6,245$5,487
8 years$7,149$6,600$6,090$5,618$5,181$4,457
9 years$6,290$5,746$5,245$4,785$4,363$3,673
10 years$5,603$5,065$4,573$4,125$3,718$3,061
11 years$5,042$4,509$4,026$3,590$3,197$2,574
12 years$4,575$4,047$3,573$3,149$2,771$2,179
13 years$4,179$3,657$3,192$2,780$2,416$1,855
14 years$3,841$3,324$2,868$2,468$2,118$1,587
15 years$3,548$3,037$2,590$2,201$1,865$1,364
16 years$3,292$2,786$2,348$1,971$1,648$1,175
17 years$3,066$2,566$2,136$1,771$1,461$1,016
18 years$2,865$2,371$1,950$1,596$1,299$880
19 years$2,686$2,198$1,785$1,442$1,158$764
20 years$2,525$2,042$1,639$1,306$1,034$664
21 years$2,380$1,902$1,507$1,185$926$578
22 years$2,248$1,776$1,389$1,078$830$504
23 years$2,127$1,661$1,283$981$745$440
24 years$2,017$1,556$1,186$895$669$384
25 years$1,916$1,460$1,099$817$602$336
26 years$1,822$1,372$1,019$747$543$294
27 years$1,736$1,292$946$684$489$258
28 years$1,656$1,217$880$627$441$226
29 years$1,582$1,148$819$575$399$198
30 years$1,512$1,084$762$527$360$173
31 years$1,448$1,025$711$484$326$152
32 years$1,387$970$663$445$295$134
33 years$1,331$918$619$409$267$117
34 years$1,277$870$579$377$241$103
35 years$1,227$826$541$347$219$90
36 years$1,180$784$506$319$198$79
37 years$1,136$744$474$294$180$70
38 years$1,093$707$444$271$163$61
39 years$1,054$673$416$250$148$54
40 years$1,016$640$389$231$134$47
41 years$980$609$365$213$121$42
42 years$946$580$343$196$110$37
43 years$914$553$321$181$100$32
44 years$883$527$302$167$91$28
45 years$853$502$283$155$82$25
46 years$825$479$266$143$75$22
47 years$799$457$250$132$68$19
48 years$773$437$235$122$62$17
49 years$749$417$221$113$56$15
50 years$725$398$208$104$51$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $743,000, adding $3,681 every year, while hoping to spend $26,548 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: 28/42/30 Blend
34$743,000$743,000$743,000$743,000
35$822,583$783,204$771,687$837,917
36$878,240$793,334$769,292$860,708
37$938,683$803,071$765,927$882,657
38$1,004,375$812,367$761,531$905,714
39$1,075,820$821,172$756,041$929,992
40$1,153,576$829,431$749,391$955,619
41$1,238,255$837,088$741,510$982,738
42$1,330,533$844,082$732,327$1,011,507
43$1,431,152$850,346$721,764$1,042,102
44$1,540,928$855,812$709,742$1,074,720
45$1,660,761$860,405$696,176$1,109,581
46$1,791,641$864,047$680,981$1,146,928
47$1,934,657$866,654$664,062$1,187,032
48$2,091,009$868,137$645,325$1,230,195
49$2,262,018$868,402$624,670$1,276,750
50$2,449,139$867,349$601,991$1,327,071
51$2,653,972$864,870$577,179$1,381,571
52$2,878,282$860,853$550,119$1,440,708
53$3,124,009$855,177$520,691$1,504,991
54$3,393,294$847,716$488,769$1,574,986
55$3,688,490$838,335$454,223$1,651,320
56$4,012,192$826,889$416,916$1,734,687
57$4,367,258$813,229$376,705$1,825,857
58$4,756,833$797,192$333,439$1,925,686
59$5,184,385$778,610$286,965$2,035,119
60$5,653,731$757,300$237,117$2,155,204
61$6,169,078$733,074$183,726$2,287,103
62$6,735,058$705,729$126,615$2,432,101
63$7,356,775$675,051$65,598$2,591,622
64$8,039,851$640,814$481$2,767,240
65$8,790,481$602,779$0$2,960,699
66$9,615,488$560,693$0$3,196,018
67$10,522,390$514,288$0$3,454,841
68$11,519,468$463,283$0$3,739,443
69$12,615,848$407,378$0$4,052,510
70$13,821,583$346,258$0$4,397,002
71$15,147,748$279,588$0$4,776,189
72$16,606,548$207,017$0$5,193,682
73$18,211,428$128,173$0$5,653,465
74$19,977,202$42,662$0$6,159,935
75$21,920,194$0$0$6,717,945
76$24,058,389$0$0$7,355,927
77$26,411,603$0$0$8,079,907
78$29,001,671$0$0$8,876,905
79$31,852,654$0$0$9,754,341
80$34,991,060$0$0$10,720,392
81$38,446,100$0$0$11,784,072
82$42,249,962$0$0$12,955,307
83$46,438,113$0$0$14,245,041
84$51,049,632$0$0$15,665,328
85$56,127,584$0$0$17,229,455
86$61,719,420$0$0$18,952,060
87$67,877,428$0$0$20,849,274
88$74,659,225$0$0$22,938,873
89$82,128,302$0$0$25,240,446
90$90,354,621$0$0$27,775,575
91$99,415,276$0$0$30,568,047
92$109,395,218$0$0$33,644,071
93$120,388,061$0$0$37,032,528
94$132,496,962$0$0$40,765,247
95$145,835,595$0$0$44,877,298
96$160,529,222$0$0$49,407,329
97$176,715,879$0$0$54,397,928
98$194,547,674$0$0$59,896,027
99$214,192,225$0$0$65,953,341
100$235,834,242$0$0$72,626,861