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%19.6%
1 years$61,852$61,301$60,763$60,239$59,726$57,425
2 years$30,620$30,049$29,497$28,961$28,441$26,150
3 years$20,210$19,638$19,086$18,556$18,044$15,835
4 years$15,007$14,436$13,890$13,368$12,869$10,759
5 years$11,885$11,318$10,779$10,268$9,783$7,778
6 years$9,805$9,242$8,711$8,211$7,741$5,842
7 years$8,320$7,761$7,239$6,751$6,295$4,501
8 years$7,206$6,653$6,139$5,663$5,223$3,532
9 years$6,341$5,792$5,288$4,824$4,398$2,809
10 years$5,649$5,106$4,610$4,158$3,748$2,256
11 years$5,083$4,545$4,059$3,619$3,223$1,827
12 years$4,612$4,080$3,602$3,174$2,793$1,488
13 years$4,213$3,687$3,218$2,802$2,436$1,217
14 years$3,872$3,351$2,891$2,488$2,135$1,000
15 years$3,577$3,061$2,611$2,219$1,880$824
16 years$3,318$2,809$2,367$1,986$1,661$681
17 years$3,091$2,587$2,154$1,785$1,473$564
18 years$2,889$2,390$1,966$1,608$1,310$468
19 years$2,708$2,215$1,800$1,453$1,167$388
20 years$2,546$2,059$1,652$1,316$1,043$323
21 years$2,399$1,917$1,519$1,195$933$269
22 years$2,266$1,790$1,400$1,086$836$224
23 years$2,144$1,674$1,293$989$751$186
24 years$2,033$1,568$1,196$902$675$156
25 years$1,931$1,472$1,108$824$607$130
26 years$1,837$1,383$1,027$753$547$108
27 years$1,750$1,302$954$690$493$90
28 years$1,669$1,227$887$632$445$75
29 years$1,594$1,157$825$579$402$63
30 years$1,525$1,093$769$532$363$53
31 years$1,459$1,033$717$488$328$44
32 years$1,399$978$669$449$297$37
33 years$1,341$926$624$413$269$31
34 years$1,288$878$583$380$243$26
35 years$1,237$832$545$350$220$21
36 years$1,190$790$510$322$200$18
37 years$1,145$750$477$297$181$15
38 years$1,102$713$447$273$164$13
39 years$1,062$678$419$252$149$10
40 years$1,024$645$393$233$135$9
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$4
46 years$832$483$268$144$75$3
47 years$805$461$252$133$68$3
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 $3,766 every year, while hoping to spend $41,873 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: 47/38/15 Blend
34$749,000$749,000$749,000$749,000
35$829,283$789,586$777,976$864,591
36$869,317$783,723$759,486$883,590
37$912,031$776,169$738,973$899,623
38$957,655$766,798$716,325$916,110
39$1,006,439$755,474$691,425$933,111
40$1,058,659$742,056$664,150$950,690
41$1,114,616$726,390$634,374$968,926
42$1,174,642$708,319$601,961$987,905
43$1,239,101$687,672$566,771$1,007,726
44$1,308,390$664,269$528,659$1,028,501
45$1,382,949$637,921$487,472$1,050,359
46$1,463,257$608,426$443,050$1,073,443
47$1,549,843$575,573$395,226$1,097,916
48$1,643,287$539,135$343,825$1,123,963
49$1,744,225$498,877$288,667$1,151,790
50$1,853,360$454,545$229,561$1,181,631
51$1,971,459$405,874$166,308$1,213,747
52$2,099,370$352,584$98,701$1,248,434
53$2,238,023$294,378$26,525$1,286,022
54$2,388,440$230,941$0$1,326,880
55$2,551,748$161,944$0$1,379,505
56$2,729,183$87,036$0$1,441,335
57$2,922,106$5,848$0$1,508,677
58$3,132,017$0$0$1,582,151
59$3,360,561$0$0$1,696,740
60$3,609,553$0$0$1,824,322
61$3,880,988$0$0$1,963,485
62$4,177,062$0$0$2,115,365
63$4,500,193$0$0$2,281,211
64$4,853,040$0$0$2,462,402
65$5,238,534$0$0$2,660,452
66$5,659,898$0$0$2,877,031
67$6,120,682$0$0$3,113,974
68$6,624,796$0$0$3,373,306
69$7,176,544$0$0$3,657,253
70$7,780,664$0$0$3,968,268
71$8,442,377$0$0$4,309,053
72$9,167,428$0$0$4,682,584
73$9,962,149$0$0$5,092,135
74$10,833,510$0$0$5,541,316
75$11,789,189$0$0$6,034,102
76$12,837,644$0$0$6,574,871
77$13,988,188$0$0$7,168,445
78$15,251,083$0$0$7,820,136
79$16,637,630$0$0$8,535,795
80$18,160,279$0$0$9,321,869
81$19,832,745$0$0$10,185,458
82$21,670,137$0$0$11,134,385
83$23,689,098$0$0$12,177,268
84$25,907,964$0$0$13,323,601
85$28,346,935$0$0$14,583,844
86$31,028,267$0$0$15,969,521
87$33,976,478$0$0$17,493,328
88$37,218,581$0$0$19,169,253
89$40,784,339$0$0$21,012,707
90$44,706,542$0$0$23,040,673
91$49,021,319$0$0$25,271,857
92$53,768,476$0$0$27,726,875
93$58,991,874$0$0$30,428,440
94$64,739,837$0$0$33,401,577
95$71,065,612$0$0$36,673,861
96$78,027,870$0$0$40,275,676
97$85,691,254$0$0$44,240,500
98$94,126,997$0$0$48,605,222
99$103,413,586$0$0$53,410,490
100$113,637,505$0$0$58,701,093