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%14.8%
1 years$61,604$61,055$60,520$59,997$59,487$58,310
2 years$30,497$29,929$29,379$28,845$28,327$27,146
3 years$20,129$19,559$19,010$18,481$17,972$16,824
4 years$14,947$14,378$13,834$13,315$12,818$11,711
5 years$11,838$11,272$10,736$10,227$9,744$8,683
6 years$9,766$9,205$8,676$8,179$7,710$6,695
7 years$8,286$7,730$7,210$6,724$6,270$5,302
8 years$7,177$6,626$6,115$5,641$5,202$4,279
9 years$6,315$5,769$5,267$4,805$4,381$3,504
10 years$5,626$5,085$4,592$4,142$3,733$2,900
11 years$5,062$4,527$4,042$3,604$3,210$2,421
12 years$4,593$4,063$3,587$3,162$2,782$2,036
13 years$4,196$3,672$3,205$2,791$2,426$1,721
14 years$3,857$3,338$2,880$2,478$2,126$1,461
15 years$3,562$3,049$2,600$2,210$1,872$1,246
16 years$3,305$2,798$2,357$1,979$1,655$1,065
17 years$3,078$2,576$2,145$1,778$1,467$913
18 years$2,877$2,381$1,958$1,602$1,305$785
19 years$2,697$2,206$1,793$1,448$1,163$676
20 years$2,535$2,050$1,645$1,311$1,039$583
21 years$2,389$1,910$1,513$1,190$929$503
22 years$2,257$1,783$1,395$1,082$833$435
23 years$2,136$1,667$1,288$985$748$377
24 years$2,025$1,562$1,191$899$672$326
25 years$1,923$1,466$1,103$821$605$283
26 years$1,830$1,378$1,023$750$545$245
27 years$1,743$1,297$950$687$491$213
28 years$1,663$1,222$883$629$443$185
29 years$1,588$1,153$822$577$400$161
30 years$1,519$1,089$766$530$362$140
31 years$1,454$1,029$714$486$327$121
32 years$1,393$974$666$447$296$105
33 years$1,336$922$622$411$268$92
34 years$1,283$874$581$378$242$80
35 years$1,232$829$543$348$219$69
36 years$1,185$787$508$321$199$60
37 years$1,140$747$476$295$180$53
38 years$1,098$710$445$272$163$46
39 years$1,058$675$417$251$148$40
40 years$1,020$643$391$232$134$35
41 years$984$612$367$214$122$30
42 years$950$582$344$197$111$26
43 years$917$555$323$182$100$23
44 years$886$529$303$168$91$20
45 years$857$504$284$155$83$17
46 years$829$481$267$143$75$15
47 years$802$459$251$132$68$13
48 years$776$438$236$122$62$11
49 years$752$419$222$113$56$10
50 years$728$400$208$105$51$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $746,000, adding $5,898 every year, while hoping to spend $21,841 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: 79/14/7 Blend
34$746,000$746,000$746,000$746,000
35$828,176$788,638$777,075$892,484
36$889,411$804,042$779,868$950,891
37$956,160$819,470$782,023$1,011,489
38$1,028,963$834,898$783,495$1,077,310
39$1,108,413$850,303$784,238$1,148,863
40$1,195,163$865,660$784,201$1,226,711
41$1,289,932$880,941$783,336$1,311,471
42$1,393,514$896,116$781,586$1,403,826
43$1,506,779$911,152$778,896$1,504,525
44$1,630,688$926,016$775,206$1,614,395
45$1,766,297$940,670$770,454$1,734,347
46$1,914,771$955,074$764,576$1,865,382
47$2,077,391$969,186$757,502$2,008,606
48$2,255,568$982,959$749,162$2,165,235
49$2,450,858$996,346$739,481$2,336,611
50$2,664,971$1,009,293$728,379$2,524,211
51$2,899,794$1,021,744$715,776$2,729,661
52$3,157,403$1,033,640$701,585$2,954,756
53$3,440,087$1,044,916$685,716$3,201,470
54$3,750,363$1,055,504$668,075$3,471,981
55$4,091,009$1,065,333$648,564$3,768,687
56$4,465,080$1,074,323$627,080$4,094,230
57$4,875,946$1,082,392$603,515$4,451,525
58$5,327,316$1,089,453$577,756$4,843,778
59$5,823,278$1,095,412$549,686$5,274,527
60$6,368,334$1,100,169$519,182$5,747,667
61$6,967,445$1,103,618$486,116$6,267,494
62$7,626,075$1,105,646$450,352$6,838,738
63$8,350,247$1,106,134$411,750$7,466,613
64$9,146,592$1,104,955$370,164$8,156,866
65$10,022,421$1,101,974$325,441$8,915,828
66$10,985,784$1,097,047$277,420$9,750,477
67$12,045,555$1,090,023$225,934$10,668,502
68$13,211,507$1,080,740$170,808$11,678,377
69$14,494,412$1,069,028$111,861$12,789,441
70$15,906,136$1,054,704$48,903$14,011,985
71$17,459,754$1,037,577$0$15,357,348
72$19,169,675$1,017,444$0$16,839,395
73$21,051,771$994,088$0$18,474,520
74$23,123,535$967,282$0$20,274,260
75$25,404,241$936,784$0$22,255,358
76$27,915,124$902,337$0$24,436,267
77$30,679,587$863,672$0$26,837,319
78$33,723,414$820,501$0$29,480,920
79$37,075,019$772,522$0$32,391,760
80$40,765,709$719,414$0$35,597,051
81$44,829,985$660,839$0$39,126,775
82$49,305,861$596,437$0$43,013,977
83$54,235,228$525,832$0$47,295,070
84$59,664,246$448,622$0$52,010,180
85$65,643,780$364,385$0$57,203,528
86$72,229,880$272,675$0$62,923,845
87$79,484,311$173,020$0$69,224,833
88$87,475,135$64,921$0$76,165,670
89$96,277,350$0$0$83,811,574
90$105,973,603$0$0$92,242,446
91$116,654,967$0$0$101,540,923
92$128,421,800$0$0$111,784,370
93$141,384,692$0$0$123,069,067
94$155,665,511$0$0$135,501,108
95$171,398,551$0$0$149,197,405
96$188,731,798$0$0$164,286,793
97$207,828,331$0$0$180,911,243
98$228,867,855$0$0$199,227,204
99$252,048,403$0$0$219,407,077
100$277,588,202$0$0$241,640,847