Can I retire at age 35 with 749,000?

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 $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%16.7%
1 years$61,852$61,301$60,763$60,239$59,726$58,094
2 years$30,620$30,049$29,497$28,961$28,441$26,808
3 years$20,210$19,638$19,086$18,556$18,044$16,462
4 years$15,007$14,436$13,890$13,368$12,869$11,350
5 years$11,885$11,318$10,779$10,268$9,783$8,331
6 years$9,805$9,242$8,711$8,211$7,741$6,358
7 years$8,320$7,761$7,239$6,751$6,295$4,981
8 years$7,206$6,653$6,139$5,663$5,223$3,976
9 years$6,341$5,792$5,288$4,824$4,398$3,218
10 years$5,649$5,106$4,610$4,158$3,748$2,633
11 years$5,083$4,545$4,059$3,619$3,223$2,172
12 years$4,612$4,080$3,602$3,174$2,793$1,803
13 years$4,213$3,687$3,218$2,802$2,436$1,505
14 years$3,872$3,351$2,891$2,488$2,135$1,262
15 years$3,577$3,061$2,611$2,219$1,880$1,061
16 years$3,318$2,809$2,367$1,986$1,661$895
17 years$3,091$2,587$2,154$1,785$1,473$757
18 years$2,889$2,390$1,966$1,608$1,310$642
19 years$2,708$2,215$1,800$1,453$1,167$545
20 years$2,546$2,059$1,652$1,316$1,043$463
21 years$2,399$1,917$1,519$1,195$933$394
22 years$2,266$1,790$1,400$1,086$836$336
23 years$2,144$1,674$1,293$989$751$286
24 years$2,033$1,568$1,196$902$675$244
25 years$1,931$1,472$1,108$824$607$209
26 years$1,837$1,383$1,027$753$547$178
27 years$1,750$1,302$954$690$493$152
28 years$1,669$1,227$887$632$445$130
29 years$1,594$1,157$825$579$402$111
30 years$1,525$1,093$769$532$363$95
31 years$1,459$1,033$717$488$328$82
32 years$1,399$978$669$449$297$70
33 years$1,341$926$624$413$269$60
34 years$1,288$878$583$380$243$51
35 years$1,237$832$545$350$220$44
36 years$1,190$790$510$322$200$37
37 years$1,145$750$477$297$181$32
38 years$1,102$713$447$273$164$28
39 years$1,062$678$419$252$149$24
40 years$1,024$645$393$233$135$20
41 years$988$614$368$215$122$17
42 years$954$585$345$198$111$15
43 years$921$557$324$183$101$13
44 years$890$531$304$169$92$11
45 years$860$506$286$156$83$9
46 years$832$483$268$144$75$8
47 years$805$461$252$133$68$7
48 years$779$440$237$123$62$6
49 years$755$420$223$114$56$5
50 years$731$402$209$105$51$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $749,000, adding $4,504 every year, while hoping to spend $22,285 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: 58/22/20 Blend
34$749,000$749,000$749,000$749,000
35$830,044$790,347$778,737$873,536
36$890,997$805,363$781,114$918,625
37$957,421$820,368$782,823$964,954
38$1,029,850$835,337$783,820$1,014,967
39$1,108,871$850,246$784,054$1,069,024
40$1,195,133$865,065$783,477$1,127,523
41$1,289,348$879,765$782,036$1,190,901
42$1,392,301$894,313$779,673$1,259,640
43$1,504,856$908,674$776,332$1,334,273
44$1,627,963$922,811$771,951$1,415,386
45$1,762,670$936,683$766,466$1,503,627
46$1,910,129$950,248$759,810$1,599,707
47$2,071,611$963,458$751,912$1,704,414
48$2,248,514$976,266$742,699$1,818,615
49$2,442,377$988,617$732,094$1,943,266
50$2,654,896$1,000,456$720,016$2,079,421
51$2,887,939$1,011,722$706,380$2,228,243
52$3,143,563$1,022,351$691,098$2,391,013
53$3,424,034$1,032,274$674,078$2,569,144
54$3,731,848$1,041,418$655,221$2,764,196
55$4,069,753$1,049,704$634,428$2,977,886
56$4,440,778$1,057,050$611,592$3,212,109
57$4,848,259$1,063,367$586,602$3,468,953
58$5,295,871$1,068,561$559,342$3,750,722
59$5,787,661$1,072,532$529,691$4,059,956
60$6,328,089$1,075,173$497,523$4,399,453
61$6,922,069$1,076,371$462,705$4,772,302
62$7,575,013$1,076,007$425,099$5,181,904
63$8,292,885$1,073,951$384,560$5,632,014
64$9,082,254$1,070,069$340,937$6,126,766
65$9,950,359$1,064,217$294,073$6,670,723
66$10,905,174$1,056,243$243,804$7,268,913
67$11,955,487$1,045,984$189,956$7,926,878
68$13,110,978$1,033,268$132,351$8,650,730
69$14,382,314$1,017,915$70,801$9,447,206
70$15,781,248$999,731$5,111$10,323,733
71$17,320,729$978,511$0$11,288,499
72$19,015,026$954,041$0$12,364,399
73$20,879,860$926,090$0$13,549,579
74$22,932,554$894,417$0$14,853,964
75$25,192,196$858,765$0$16,289,693
76$27,679,817$818,862$0$17,870,146
77$30,418,594$774,421$0$19,610,071
78$33,434,062$725,139$0$21,525,718
79$36,754,360$670,695$0$23,634,997
80$40,410,494$610,749$0$25,957,649
81$44,436,631$544,941$0$28,515,427
82$48,870,417$472,894$0$31,332,307
83$53,753,339$394,205$0$34,434,711
84$59,131,111$308,452$0$37,851,760
85$65,054,106$215,188$0$41,615,548
86$71,577,832$113,939$0$45,761,442
87$78,763,457$4,208$0$50,328,425
88$86,678,383$0$0$55,359,454
89$95,396,885$0$0$60,929,601
90$105,000,810$0$0$67,066,650
91$115,580,348$0$0$73,827,229
92$127,234,886$0$0$81,274,860
93$140,073,946$0$0$89,479,543
94$154,218,215$0$0$98,518,415
95$169,800,686$0$0$108,476,479
96$186,967,914$0$0$119,447,405
97$205,881,397$0$0$131,534,414
98$226,719,102$0$0$144,851,254
99$249,677,144$0$0$159,523,273
100$274,971,636$0$0$175,688,598