Can I retire at age 35 with 746,000?

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 $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%18.8%
1 years$61,604$61,055$60,520$59,997$59,487$57,376
2 years$30,497$29,929$29,379$28,845$28,327$26,223
3 years$20,129$19,559$19,010$18,481$17,972$15,941
4 years$14,947$14,378$13,834$13,315$12,818$10,875
5 years$11,838$11,272$10,736$10,227$9,744$7,894
6 years$9,766$9,205$8,676$8,179$7,710$5,955
7 years$8,286$7,730$7,210$6,724$6,270$4,610
8 years$7,177$6,626$6,115$5,641$5,202$3,635
9 years$6,315$5,769$5,267$4,805$4,381$2,905
10 years$5,626$5,085$4,592$4,142$3,733$2,345
11 years$5,062$4,527$4,042$3,604$3,210$1,908
12 years$4,593$4,063$3,587$3,162$2,782$1,563
13 years$4,196$3,672$3,205$2,791$2,426$1,286
14 years$3,857$3,338$2,880$2,478$2,126$1,062
15 years$3,562$3,049$2,600$2,210$1,872$880
16 years$3,305$2,798$2,357$1,979$1,655$732
17 years$3,078$2,576$2,145$1,778$1,467$609
18 years$2,877$2,381$1,958$1,602$1,305$508
19 years$2,697$2,206$1,793$1,448$1,163$425
20 years$2,535$2,050$1,645$1,311$1,039$355
21 years$2,389$1,910$1,513$1,190$929$298
22 years$2,257$1,783$1,395$1,082$833$249
23 years$2,136$1,667$1,288$985$748$209
24 years$2,025$1,562$1,191$899$672$176
25 years$1,923$1,466$1,103$821$605$147
26 years$1,830$1,378$1,023$750$545$124
27 years$1,743$1,297$950$687$491$104
28 years$1,663$1,222$883$629$443$87
29 years$1,588$1,153$822$577$400$73
30 years$1,519$1,089$766$530$362$62
31 years$1,454$1,029$714$486$327$52
32 years$1,393$974$666$447$296$44
33 years$1,336$922$622$411$268$37
34 years$1,283$874$581$378$242$31
35 years$1,232$829$543$348$219$26
36 years$1,185$787$508$321$199$22
37 years$1,140$747$476$295$180$18
38 years$1,098$710$445$272$163$16
39 years$1,058$675$417$251$148$13
40 years$1,020$643$391$232$134$11
41 years$984$612$367$214$122$9
42 years$950$582$344$197$111$8
43 years$917$555$323$182$100$7
44 years$886$529$303$168$91$6
45 years$857$504$284$155$83$5
46 years$829$481$267$143$75$4
47 years$802$459$251$132$68$3
48 years$776$438$236$122$62$3
49 years$752$419$222$113$56$2
50 years$728$400$208$105$51$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $746,000, adding $5,059 every year, while hoping to spend $42,441 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: 76/6/18 Blend
34$746,000$746,000$746,000$746,000
35$827,310$787,772$776,209$886,418
36$866,539$781,216$757,055$919,654
37$908,347$772,917$735,837$950,322
38$952,952$762,743$712,441$982,814
39$1,000,593$750,557$686,748$1,017,299
40$1,051,532$736,213$658,633$1,053,963
41$1,106,057$719,556$627,966$1,093,015
42$1,164,482$700,422$594,610$1,134,681
43$1,227,153$678,637$558,424$1,179,215
44$1,294,449$654,017$519,258$1,226,894
45$1,366,787$626,367$476,956$1,278,026
46$1,444,622$595,483$431,358$1,332,951
47$1,528,458$561,145$382,292$1,392,044
48$1,618,843$523,124$329,581$1,455,718
49$1,716,384$481,176$273,042$1,524,430
50$1,821,746$435,044$212,479$1,598,687
51$1,935,658$384,455$147,691$1,679,044
52$2,058,925$329,123$78,468$1,766,118
53$2,192,428$268,743$4,590$1,860,588
54$2,337,139$202,995$0$1,963,204
55$2,494,124$131,539$0$2,089,055
56$2,664,558$54,017$0$2,226,662
57$2,849,731$0$0$2,376,200
58$3,051,063$0$0$2,540,810
59$3,270,117$0$0$2,723,815
60$3,508,611$0$0$2,923,087
61$3,768,438$0$0$3,140,211
62$4,051,679$0$0$3,376,929
63$4,360,624$0$0$3,635,158
64$4,697,795$0$0$3,917,012
65$5,065,967$0$0$4,224,813
66$5,468,197$0$0$4,561,121
67$5,907,848$0$0$4,928,751
68$6,388,623$0$0$5,330,805
69$6,914,599$0$0$5,770,697
70$7,490,266$0$0$6,252,187
71$8,120,568$0$0$6,779,414
72$8,810,950$0$0$7,356,938
73$9,567,405$0$0$7,989,779
74$10,396,539$0$0$8,683,466
75$11,305,621$0$0$9,444,090
76$12,302,662$0$0$10,278,357
77$13,396,483$0$0$11,193,655
78$14,596,800$0$0$12,198,120
79$15,914,317$0$0$13,300,717
80$17,360,823$0$0$14,511,317
81$18,949,305$0$0$15,840,798
82$20,694,069$0$0$17,301,139
83$22,610,874$0$0$18,905,540
84$24,717,083$0$0$20,668,539
85$27,031,822$0$0$22,606,156
86$29,576,163$0$0$24,736,036
87$32,373,321$0$0$27,077,621
88$35,448,870$0$0$29,652,331
89$38,830,990$0$0$32,483,765
90$42,550,726$0$0$35,597,922
91$46,642,282$0$0$39,023,449
92$51,143,346$0$0$42,791,907
93$56,095,440$0$0$46,938,073
94$61,544,315$0$0$51,500,261
95$67,540,381$0$0$56,520,689
96$74,139,179$0$0$62,045,874
97$81,401,909$0$0$68,127,070
98$89,396,005$0$0$74,820,752
99$98,195,768$0$0$82,189,149
100$107,883,070$0$0$90,300,827