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%13%
1 years$61,604$61,055$60,520$59,997$59,487$58,744
2 years$30,497$29,929$29,379$28,845$28,327$27,579
3 years$20,129$19,559$19,010$18,481$17,972$17,243
4 years$14,947$14,378$13,834$13,315$12,818$12,113
5 years$11,838$11,272$10,736$10,227$9,744$9,065
6 years$9,766$9,205$8,676$8,179$7,710$7,058
7 years$8,286$7,730$7,210$6,724$6,270$5,646
8 years$7,177$6,626$6,115$5,641$5,202$4,605
9 years$6,315$5,769$5,267$4,805$4,381$3,811
10 years$5,626$5,085$4,592$4,142$3,733$3,189
11 years$5,062$4,527$4,042$3,604$3,210$2,693
12 years$4,593$4,063$3,587$3,162$2,782$2,290
13 years$4,196$3,672$3,205$2,791$2,426$1,959
14 years$3,857$3,338$2,880$2,478$2,126$1,684
15 years$3,562$3,049$2,600$2,210$1,872$1,453
16 years$3,305$2,798$2,357$1,979$1,655$1,259
17 years$3,078$2,576$2,145$1,778$1,467$1,093
18 years$2,877$2,381$1,958$1,602$1,305$952
19 years$2,697$2,206$1,793$1,448$1,163$830
20 years$2,535$2,050$1,645$1,311$1,039$726
21 years$2,389$1,910$1,513$1,190$929$635
22 years$2,257$1,783$1,395$1,082$833$557
23 years$2,136$1,667$1,288$985$748$489
24 years$2,025$1,562$1,191$899$672$429
25 years$1,923$1,466$1,103$821$605$377
26 years$1,830$1,378$1,023$750$545$332
27 years$1,743$1,297$950$687$491$292
28 years$1,663$1,222$883$629$443$258
29 years$1,588$1,153$822$577$400$227
30 years$1,519$1,089$766$530$362$200
31 years$1,454$1,029$714$486$327$177
32 years$1,393$974$666$447$296$156
33 years$1,336$922$622$411$268$138
34 years$1,283$874$581$378$242$122
35 years$1,232$829$543$348$219$107
36 years$1,185$787$508$321$199$95
37 years$1,140$747$476$295$180$84
38 years$1,098$710$445$272$163$74
39 years$1,058$675$417$251$148$66
40 years$1,020$643$391$232$134$58
41 years$984$612$367$214$122$51
42 years$950$582$344$197$111$45
43 years$917$555$323$182$100$40
44 years$886$529$303$168$91$35
45 years$857$504$284$155$83$31
46 years$829$481$267$143$75$28
47 years$802$459$251$132$68$25
48 years$776$438$236$122$62$22
49 years$752$419$222$113$56$19
50 years$728$400$208$105$51$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $746,000, adding $2,748 every year, while hoping to spend $54,372 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: 34/41/25 Blend
34$746,000$746,000$746,000$746,000
35$824,927$785,389$773,826$846,629
36$851,218$766,021$741,897$843,733
37$878,368$743,883$707,077$835,503
38$906,408$718,779$669,211$825,547
39$935,370$690,507$628,137$813,749
40$965,285$658,850$583,687$799,983
41$996,189$623,578$535,685$784,120
42$1,028,116$584,450$483,948$766,021
43$1,061,106$541,210$428,281$745,540
44$1,095,196$493,586$368,486$722,524
45$1,130,428$441,294$304,352$696,811
46$1,166,845$384,030$235,661$668,231
47$1,204,491$321,476$162,184$636,604
48$1,243,414$253,293$83,682$601,742
49$1,283,663$179,125$0$563,445
50$1,325,290$98,595$0$521,529
51$1,368,349$11,307$0$499,572
52$1,412,900$0$0$475,068
53$1,459,001$0$0$485,368
54$1,506,717$0$0$501,316
55$1,556,115$0$0$517,833
56$1,607,267$0$0$534,944
57$1,660,248$0$0$552,676
58$1,715,138$0$0$571,057
59$1,772,021$0$0$590,115
60$1,830,988$0$0$609,883
61$1,892,132$0$0$630,394
62$1,955,557$0$0$651,684
63$2,021,370$0$0$673,790
64$2,089,685$0$0$696,754
65$2,160,625$0$0$720,618
66$2,234,323$0$0$745,430
67$2,310,916$0$0$771,239
68$2,390,556$0$0$798,098
69$2,473,403$0$0$826,064
70$2,559,629$0$0$855,201
71$2,649,419$0$0$885,572
72$2,742,972$0$0$917,251
73$2,840,502$0$0$950,313
74$2,942,239$0$0$984,842
75$3,048,432$0$0$1,020,927
76$3,159,347$0$0$1,058,665
77$3,275,275$0$0$1,098,161
78$3,396,529$0$0$1,139,528
79$3,523,447$0$0$1,182,889
80$3,656,395$0$0$1,228,378
81$3,795,770$0$0$1,276,139
82$3,942,005$0$0$1,326,329
83$4,095,565$0$0$1,379,120
84$4,256,961$0$0$1,434,696
85$4,426,744$0$0$1,493,261
86$4,605,515$0$0$1,555,034
87$4,793,929$0$0$1,620,256
88$4,992,699$0$0$1,689,190
89$5,202,601$0$0$1,762,120
90$5,424,485$0$0$1,839,358
91$5,659,273$0$0$1,921,246
92$5,907,977$0$0$2,008,157
93$6,171,700$0$0$2,100,497
94$6,451,647$0$0$2,198,712
95$6,749,138$0$0$2,303,291
96$7,065,614$0$0$2,414,766
97$7,402,655$0$0$2,533,722
98$7,761,990$0$0$2,660,800
99$8,145,510$0$0$2,796,703
100$8,555,292$0$0$2,942,199