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%11.2%
1 years$61,604$61,055$60,520$59,997$59,487$59,187
2 years$30,497$29,929$29,379$28,845$28,327$28,024
3 years$20,129$19,559$19,010$18,481$17,972$17,675
4 years$14,947$14,378$13,834$13,315$12,818$12,530
5 years$11,838$11,272$10,736$10,227$9,744$9,466
6 years$9,766$9,205$8,676$8,179$7,710$7,442
7 years$8,286$7,730$7,210$6,724$6,270$6,013
8 years$7,177$6,626$6,115$5,641$5,202$4,954
9 years$6,315$5,769$5,267$4,805$4,381$4,144
10 years$5,626$5,085$4,592$4,142$3,733$3,506
11 years$5,062$4,527$4,042$3,604$3,210$2,993
12 years$4,593$4,063$3,587$3,162$2,782$2,574
13 years$4,196$3,672$3,205$2,791$2,426$2,228
14 years$3,857$3,338$2,880$2,478$2,126$1,938
15 years$3,562$3,049$2,600$2,210$1,872$1,693
16 years$3,305$2,798$2,357$1,979$1,655$1,484
17 years$3,078$2,576$2,145$1,778$1,467$1,305
18 years$2,877$2,381$1,958$1,602$1,305$1,151
19 years$2,697$2,206$1,793$1,448$1,163$1,017
20 years$2,535$2,050$1,645$1,311$1,039$901
21 years$2,389$1,910$1,513$1,190$929$799
22 years$2,257$1,783$1,395$1,082$833$710
23 years$2,136$1,667$1,288$985$748$632
24 years$2,025$1,562$1,191$899$672$563
25 years$1,923$1,466$1,103$821$605$502
26 years$1,830$1,378$1,023$750$545$448
27 years$1,743$1,297$950$687$491$400
28 years$1,663$1,222$883$629$443$358
29 years$1,588$1,153$822$577$400$320
30 years$1,519$1,089$766$530$362$286
31 years$1,454$1,029$714$486$327$256
32 years$1,393$974$666$447$296$230
33 years$1,336$922$622$411$268$206
34 years$1,283$874$581$378$242$184
35 years$1,232$829$543$348$219$165
36 years$1,185$787$508$321$199$148
37 years$1,140$747$476$295$180$133
38 years$1,098$710$445$272$163$119
39 years$1,058$675$417$251$148$107
40 years$1,020$643$391$232$134$96
41 years$984$612$367$214$122$86
42 years$950$582$344$197$111$78
43 years$917$555$323$182$100$70
44 years$886$529$303$168$91$63
45 years$857$504$284$155$83$56
46 years$829$481$267$143$75$51
47 years$802$459$251$132$68$45
48 years$776$438$236$122$62$41
49 years$752$419$222$113$56$37
50 years$728$400$208$105$51$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $746,000, adding $4,942 every year, while hoping to spend $47,852 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: 56/32/12 Blend
34$746,000$746,000$746,000$746,000
35$827,190$787,652$776,089$870,733
36$860,649$775,332$751,173$888,459
37$895,917$760,806$723,820$902,078
38$933,128$743,913$693,896$915,787
39$972,429$724,486$661,262$929,603
40$1,013,978$702,347$625,776$943,546
41$1,057,949$677,307$587,285$957,642
42$1,104,532$649,168$545,631$971,922
43$1,153,935$617,718$500,651$986,423
44$1,206,385$582,735$452,171$1,001,188
45$1,262,129$543,982$400,012$1,016,269
46$1,321,439$501,209$343,985$1,031,727
47$1,384,611$454,154$283,894$1,047,632
48$1,451,972$402,537$219,534$1,064,066
49$1,523,875$346,065$150,691$1,081,123
50$1,600,713$284,425$77,142$1,098,913
51$1,682,913$217,288$0$1,117,560
52$1,770,943$144,308$0$1,137,379
53$1,865,318$65,118$0$1,168,913
54$1,966,602$0$0$1,202,492
55$2,075,414$0$0$1,245,639
56$2,192,434$0$0$1,316,747
57$2,318,408$0$0$1,393,346
58$2,454,155$0$0$1,475,940
59$2,600,575$0$0$1,565,084
60$2,758,657$0$0$1,661,387
61$2,929,488$0$0$1,765,517
62$3,114,260$0$0$1,878,211
63$3,314,288$0$0$2,000,276
64$3,531,013$0$0$2,132,603
65$3,766,021$0$0$2,276,168
66$4,021,059$0$0$2,432,047
67$4,298,043$0$0$2,601,423
68$4,599,086$0$0$2,785,596
69$4,926,508$0$0$2,985,998
70$5,282,864$0$0$3,204,204
71$5,670,964$0$0$3,441,946
72$6,093,902$0$0$3,701,131
73$6,555,082$0$0$3,983,859
74$7,058,249$0$0$4,292,439
75$7,607,528$0$0$4,629,414
76$8,207,457$0$0$4,997,584
77$8,863,034$0$0$5,400,031
78$9,579,760$0$0$5,840,147
79$10,363,692$0$0$6,321,668
80$11,221,499$0$0$6,848,707
81$12,160,524$0$0$7,425,795
82$13,188,855$0$0$8,057,919
83$14,315,396$0$0$8,750,573
84$15,549,955$0$0$9,509,806
85$16,903,332$0$0$10,342,281
86$18,387,422$0$0$11,255,336
87$20,015,329$0$0$12,257,055
88$21,801,482$0$0$13,356,339
89$23,761,777$0$0$14,562,996
90$25,913,724$0$0$15,887,828
91$28,276,609$0$0$17,342,734
92$30,871,678$0$0$18,940,822
93$33,722,336$0$0$20,696,533
94$36,854,366$0$0$22,625,774
95$40,296,173$0$0$24,746,071
96$44,079,047$0$0$27,076,732
97$48,237,464$0$0$29,639,026
98$52,809,403$0$0$32,456,389
99$57,836,710$0$0$35,554,640
100$63,365,485$0$0$38,962,224