Can I retire at age 35 with 747,000?

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 $747,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$61,687$61,137$60,601$60,078$59,567$58,127
2 years$30,538$29,969$29,418$28,884$28,365$26,923
3 years$20,156$19,585$19,035$18,506$17,996$16,597
4 years$14,967$14,397$13,853$13,333$12,835$11,489
5 years$11,854$11,288$10,750$10,241$9,757$8,469
6 years$9,779$9,217$8,688$8,190$7,720$6,491
7 years$8,298$7,741$7,220$6,733$6,279$5,108
8 years$7,187$6,635$6,123$5,648$5,209$4,097
9 years$6,324$5,777$5,274$4,811$4,387$3,332
10 years$5,634$5,092$4,598$4,147$3,738$2,740
11 years$5,069$4,533$4,048$3,609$3,214$2,271
12 years$4,599$4,069$3,592$3,166$2,786$1,896
13 years$4,202$3,677$3,209$2,795$2,429$1,591
14 years$3,862$3,342$2,884$2,481$2,129$1,341
15 years$3,567$3,053$2,604$2,213$1,875$1,135
16 years$3,309$2,801$2,361$1,981$1,657$963
17 years$3,082$2,580$2,148$1,780$1,469$819
18 years$2,881$2,384$1,961$1,604$1,306$698
19 years$2,701$2,209$1,795$1,450$1,164$596
20 years$2,539$2,053$1,647$1,313$1,040$510
21 years$2,392$1,912$1,515$1,191$931$437
22 years$2,260$1,785$1,397$1,083$834$374
23 years$2,139$1,670$1,289$987$749$321
24 years$2,028$1,564$1,193$900$673$276
25 years$1,926$1,468$1,105$822$606$237
26 years$1,832$1,380$1,024$751$546$204
27 years$1,745$1,298$951$688$492$175
28 years$1,665$1,224$884$630$444$151
29 years$1,590$1,154$823$578$401$130
30 years$1,521$1,090$767$530$362$112
31 years$1,456$1,030$715$487$327$96
32 years$1,395$975$667$448$296$83
33 years$1,338$923$623$412$268$72
34 years$1,284$875$582$379$243$62
35 years$1,234$830$544$349$220$53
36 years$1,186$788$509$321$199$46
37 years$1,142$748$476$296$180$39
38 years$1,099$711$446$273$164$34
39 years$1,059$676$418$251$148$29
40 years$1,021$643$392$232$135$25
41 years$985$612$367$214$122$22
42 years$951$583$344$197$111$19
43 years$919$556$323$182$101$16
44 years$888$530$303$168$91$14
45 years$858$505$285$155$83$12
46 years$830$482$268$144$75$10
47 years$803$460$251$133$68$9
48 years$777$439$236$123$62$8
49 years$753$419$222$113$56$7
50 years$729$400$209$105$51$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $747,000, adding $3,910 every year, while hoping to spend $26,343 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: 39/49/12 Blend
34$747,000$747,000$747,000$747,000
35$827,227$787,636$776,058$856,352
36$883,576$798,202$774,027$887,922
37$944,789$808,402$771,045$919,163
38$1,011,335$818,191$767,053$952,362
39$1,083,729$827,521$761,987$987,707
40$1,162,539$836,338$755,783$1,025,406
41$1,248,387$844,589$748,371$1,065,691
42$1,341,962$852,212$739,681$1,108,818
43$1,444,017$859,146$729,635$1,155,070
44$1,555,385$865,322$718,156$1,204,759
45$1,676,981$870,670$705,161$1,258,232
46$1,809,812$875,112$690,564$1,315,873
47$1,954,989$878,568$674,273$1,378,105
48$2,113,731$880,952$656,195$1,445,396
49$2,287,385$882,171$636,230$1,518,267
50$2,477,429$882,129$614,275$1,597,289
51$2,685,496$880,722$590,222$1,683,098
52$2,913,379$877,840$563,957$1,776,394
53$3,163,056$873,366$535,362$1,877,953
54$3,436,704$867,178$504,313$1,988,631
55$3,736,721$859,143$470,681$2,109,376
56$4,065,749$849,123$434,331$2,241,235
57$4,426,695$836,970$395,121$2,385,364
58$4,822,765$822,528$352,904$2,543,043
59$5,257,487$805,632$307,526$2,715,684
60$5,734,749$786,106$258,827$2,904,847
61$6,258,833$763,765$206,637$3,112,258
62$6,834,456$738,412$150,782$3,339,821
63$7,466,816$709,839$91,078$3,589,639
64$8,161,636$677,827$27,335$3,864,037
65$8,925,224$642,142$0$4,165,581
66$9,764,528$602,537$0$4,502,314
67$10,687,202$558,754$0$4,876,230
68$11,701,680$510,516$0$5,287,308
69$12,817,252$457,532$0$5,739,391
70$14,044,156$399,496$0$6,236,720
71$15,393,670$336,081$0$6,783,975
72$16,878,220$266,944$0$7,386,321
73$18,511,497$191,724$0$8,049,456
74$20,308,587$110,036$0$8,779,664
75$22,286,112$21,476$0$9,583,883
76$24,462,384$0$0$10,469,763
77$26,857,584$0$0$11,485,851
78$29,493,945$0$0$12,617,111
79$32,395,967$0$0$13,862,490
80$35,590,644$0$0$15,233,588
81$39,107,723$0$0$16,743,187
82$42,979,979$0$0$18,405,373
83$47,243,529$0$0$20,235,664
84$51,938,167$0$0$22,251,163
85$57,107,746$0$0$24,470,714
86$62,800,587$0$0$26,915,082
87$69,069,935$0$0$29,607,149
88$75,974,462$0$0$32,572,128
89$83,578,822$0$0$35,837,804
90$91,954,258$0$0$39,434,794
91$101,179,277$0$0$43,396,835
92$111,340,386$0$0$47,761,105
93$122,532,914$0$0$52,568,571
94$134,861,908$0$0$57,864,376
95$148,443,124$0$0$63,698,269
96$163,404,121$0$0$70,125,069
97$179,885,464$0$0$77,205,184
98$198,042,049$0$0$85,005,182
99$218,044,566$0$0$93,598,420
100$240,081,109$0$0$103,065,733