Can I retire at age 35 with 746,000?

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 $746,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$61,604$61,055$60,520$59,997$59,487$57,149
2 years$30,497$29,929$29,379$28,845$28,327$26,001
3 years$20,129$19,559$19,010$18,481$17,972$15,730
4 years$14,947$14,378$13,834$13,315$12,818$10,677
5 years$11,838$11,272$10,736$10,227$9,744$7,710
6 years$9,766$9,205$8,676$8,179$7,710$5,784
7 years$8,286$7,730$7,210$6,724$6,270$4,452
8 years$7,177$6,626$6,115$5,641$5,202$3,489
9 years$6,315$5,769$5,267$4,805$4,381$2,771
10 years$5,626$5,085$4,592$4,142$3,733$2,223
11 years$5,062$4,527$4,042$3,604$3,210$1,798
12 years$4,593$4,063$3,587$3,162$2,782$1,462
13 years$4,196$3,672$3,205$2,791$2,426$1,195
14 years$3,857$3,338$2,880$2,478$2,126$980
15 years$3,562$3,049$2,600$2,210$1,872$807
16 years$3,305$2,798$2,357$1,979$1,655$666
17 years$3,078$2,576$2,145$1,778$1,467$550
18 years$2,877$2,381$1,958$1,602$1,305$456
19 years$2,697$2,206$1,793$1,448$1,163$378
20 years$2,535$2,050$1,645$1,311$1,039$314
21 years$2,389$1,910$1,513$1,190$929$261
22 years$2,257$1,783$1,395$1,082$833$217
23 years$2,136$1,667$1,288$985$748$180
24 years$2,025$1,562$1,191$899$672$150
25 years$1,923$1,466$1,103$821$605$125
26 years$1,830$1,378$1,023$750$545$104
27 years$1,743$1,297$950$687$491$87
28 years$1,663$1,222$883$629$443$72
29 years$1,588$1,153$822$577$400$60
30 years$1,519$1,089$766$530$362$50
31 years$1,454$1,029$714$486$327$42
32 years$1,393$974$666$447$296$35
33 years$1,336$922$622$411$268$29
34 years$1,283$874$581$378$242$24
35 years$1,232$829$543$348$219$20
36 years$1,185$787$508$321$199$17
37 years$1,140$747$476$295$180$14
38 years$1,098$710$445$272$163$12
39 years$1,058$675$417$251$148$10
40 years$1,020$643$391$232$134$8
41 years$984$612$367$214$122$7
42 years$950$582$344$197$111$6
43 years$917$555$323$182$100$5
44 years$886$529$303$168$91$4
45 years$857$504$284$155$83$3
46 years$829$481$267$143$75$3
47 years$802$459$251$132$68$2
48 years$776$438$236$122$62$2
49 years$752$419$222$113$56$2
50 years$728$400$208$105$51$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $746,000, adding $4,284 every year, while hoping to spend $49,222 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: 67/17/16 Blend
34$746,000$746,000$746,000$746,000
35$826,511$786,973$775,410$878,446
36$858,443$773,163$749,014$899,854
37$891,983$757,026$720,085$917,092
38$927,242$738,397$688,484$934,717
39$964,342$717,100$654,070$952,765
40$1,003,416$692,949$616,692$971,275
41$1,044,608$665,747$576,195$990,295
42$1,088,075$635,285$532,414$1,009,874
43$1,133,988$601,344$485,180$1,030,073
44$1,182,535$563,690$434,314$1,050,960
45$1,233,919$522,077$379,629$1,072,608
46$1,288,364$476,243$320,931$1,095,106
47$1,346,112$425,915$258,018$1,118,550
48$1,407,431$370,799$190,676$1,143,050
49$1,472,610$310,590$118,685$1,168,729
50$1,541,968$244,961$41,814$1,195,727
51$1,615,855$173,570$0$1,224,200
52$1,694,651$96,054$0$1,261,190
53$1,778,774$12,030$0$1,308,092
54$1,868,684$0$0$1,358,026
55$1,964,880$0$0$1,426,047
56$2,067,915$0$0$1,501,343
57$2,178,392$0$0$1,582,110
58$2,296,974$0$0$1,668,836
59$2,424,387$0$0$1,762,056
60$2,561,429$0$0$1,862,359
61$2,708,977$0$0$1,970,391
62$2,867,993$0$0$2,086,861
63$3,039,533$0$0$2,212,549
64$3,224,759$0$0$2,348,312
65$3,424,947$0$0$2,495,090
66$3,641,499$0$0$2,653,918
67$3,875,956$0$0$2,825,932
68$4,130,013$0$0$3,012,383
69$4,405,533$0$0$3,214,646
70$4,704,565$0$0$3,434,233
71$5,029,363$0$0$3,672,805
72$5,382,406$0$0$3,932,193
73$5,766,421$0$0$4,214,408
74$6,184,408$0$0$4,521,664
75$6,639,669$0$0$4,856,399
76$7,135,836$0$0$5,221,292
77$7,676,909$0$0$5,619,296
78$8,267,288$0$0$6,053,656
79$8,911,816$0$0$6,527,949
80$9,615,826$0$0$7,046,110
81$10,385,187$0$0$7,612,471
82$11,226,363$0$0$8,231,801
83$12,146,468$0$0$8,909,354
84$13,153,337$0$0$9,650,911
85$14,255,596$0$0$10,462,840
86$15,462,745$0$0$11,352,154
87$16,785,245$0$0$12,326,573
88$18,234,618$0$0$13,394,604
89$19,823,550$0$0$14,565,610
90$21,566,017$0$0$15,849,910
91$23,477,410$0$0$17,258,864
92$25,574,683$0$0$18,804,988
93$27,876,509$0$0$20,502,066
94$30,403,457$0$0$22,365,285
95$33,178,185$0$0$24,411,369
96$36,225,654$0$0$26,658,746
97$39,573,357$0$0$29,127,715
98$43,251,587$0$0$31,840,636
99$47,293,710$0$0$34,822,145
100$51,736,490$0$0$38,099,381