Can I retire at age 35 with 749,000?

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 $749,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$61,852$61,301$60,763$60,239$59,726$57,379
2 years$30,620$30,049$29,497$28,961$28,441$26,105
3 years$20,210$19,638$19,086$18,556$18,044$15,793
4 years$15,007$14,436$13,890$13,368$12,869$10,720
5 years$11,885$11,318$10,779$10,268$9,783$7,741
6 years$9,805$9,242$8,711$8,211$7,741$5,808
7 years$8,320$7,761$7,239$6,751$6,295$4,470
8 years$7,206$6,653$6,139$5,663$5,223$3,503
9 years$6,341$5,792$5,288$4,824$4,398$2,783
10 years$5,649$5,106$4,610$4,158$3,748$2,232
11 years$5,083$4,545$4,059$3,619$3,223$1,805
12 years$4,612$4,080$3,602$3,174$2,793$1,468
13 years$4,213$3,687$3,218$2,802$2,436$1,200
14 years$3,872$3,351$2,891$2,488$2,135$984
15 years$3,577$3,061$2,611$2,219$1,880$810
16 years$3,318$2,809$2,367$1,986$1,661$668
17 years$3,091$2,587$2,154$1,785$1,473$552
18 years$2,889$2,390$1,966$1,608$1,310$457
19 years$2,708$2,215$1,800$1,453$1,167$379
20 years$2,546$2,059$1,652$1,316$1,043$315
21 years$2,399$1,917$1,519$1,195$933$262
22 years$2,266$1,790$1,400$1,086$836$218
23 years$2,144$1,674$1,293$989$751$181
24 years$2,033$1,568$1,196$902$675$151
25 years$1,931$1,472$1,108$824$607$126
26 years$1,837$1,383$1,027$753$547$105
27 years$1,750$1,302$954$690$493$87
28 years$1,669$1,227$887$632$445$73
29 years$1,594$1,157$825$579$402$61
30 years$1,525$1,093$769$532$363$51
31 years$1,459$1,033$717$488$328$42
32 years$1,399$978$669$449$297$35
33 years$1,341$926$624$413$269$29
34 years$1,288$878$583$380$243$24
35 years$1,237$832$545$350$220$20
36 years$1,190$790$510$322$200$17
37 years$1,145$750$477$297$181$14
38 years$1,102$713$447$273$164$12
39 years$1,062$678$419$252$149$10
40 years$1,024$645$393$233$135$8
41 years$988$614$368$215$122$7
42 years$954$585$345$198$111$6
43 years$921$557$324$183$101$5
44 years$890$531$304$169$92$4
45 years$860$506$286$156$83$3
46 years$832$483$268$144$75$3
47 years$805$461$252$133$68$2
48 years$779$440$237$123$62$2
49 years$755$420$223$114$56$2
50 years$731$402$209$105$51$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $749,000, adding $3,763 every year, while hoping to spend $30,535 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: 59/33/8 Blend
34$749,000$749,000$749,000$749,000
35$829,280$789,583$777,973$876,527
36$881,377$795,783$771,546$914,889
37$937,765$801,264$763,881$952,896
38$998,849$805,958$754,902$993,577
39$1,065,075$809,793$744,535$1,037,192
40$1,136,932$812,693$732,697$1,084,027
41$1,214,961$814,576$719,303$1,134,395
42$1,299,753$815,356$704,266$1,188,647
43$1,391,961$814,942$687,492$1,247,166
44$1,492,303$813,236$668,885$1,310,378
45$1,601,568$810,135$648,343$1,378,752
46$1,720,626$805,529$625,760$1,452,806
47$1,850,432$799,302$601,025$1,533,112
48$1,992,038$791,331$574,022$1,620,304
49$2,146,604$781,483$544,629$1,715,077
50$2,315,403$769,622$512,720$1,818,204
51$2,499,840$755,600$478,163$1,930,535
52$2,701,461$739,261$440,818$2,053,010
53$2,921,965$720,440$400,541$2,186,665
54$3,163,227$698,963$357,181$2,332,646
55$3,427,310$674,645$310,579$2,492,217
56$3,716,483$647,291$260,572$2,666,775
57$4,033,250$616,694$206,986$2,857,858
58$4,380,364$582,634$149,643$3,067,168
59$4,760,859$544,881$88,354$3,296,582
60$5,178,076$503,190$22,923$3,548,170
61$5,635,694$457,301$0$3,824,221
62$6,137,768$406,941$0$4,131,259
63$6,688,760$351,822$0$4,470,414
64$7,293,590$291,637$0$4,842,820
65$7,957,674$226,065$0$5,251,885
66$8,686,978$154,763$0$5,701,373
67$9,488,076$77,373$0$6,195,432
68$10,368,210$0$0$6,738,638
69$11,335,357$0$0$7,338,395
70$12,398,304$0$0$8,028,506
71$13,566,735$0$0$8,787,168
72$14,851,315$0$0$9,621,316
73$16,263,796$0$0$10,538,590
74$17,817,127$0$0$11,547,407
75$19,525,572$0$0$12,657,040
76$21,404,848$0$0$13,877,708
77$23,472,271$0$0$15,220,667
78$25,746,922$0$0$16,698,323
79$28,249,822$0$0$18,324,341
80$31,004,134$0$0$20,113,782
81$34,035,381$0$0$22,083,236
82$37,371,682$0$0$24,250,987
83$41,044,025$0$0$26,637,180
84$45,086,549$0$0$29,264,011
85$49,536,877$0$0$32,155,938
86$54,436,459$0$0$35,339,912
87$59,830,975$0$0$38,845,630
88$65,770,753$0$0$42,705,814
89$72,311,255$0$0$46,956,522
90$79,513,593$0$0$51,637,486
91$87,445,107$0$0$56,792,486
92$96,180,000$0$0$62,469,768
93$105,800,041$0$0$68,722,493
94$116,395,331$0$0$75,609,242
95$128,065,157$0$0$83,194,566
96$140,918,926$0$0$91,549,598
97$155,077,200$0$0$100,752,723
98$170,672,831$0$0$110,890,316
99$187,852,216$0$0$122,057,559
100$206,776,676$0$0$134,359,339