Can I retire at age 35 with 750,000?

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 $750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$61,934$61,383$60,844$60,319$59,806$57,961
2 years$30,661$30,090$29,536$29,000$28,479$26,637
3 years$20,237$19,664$19,112$18,580$18,068$16,286
4 years$15,027$14,455$13,909$13,386$12,886$11,178
5 years$11,901$11,333$10,794$10,282$9,796$8,166
6 years$9,818$9,254$8,723$8,222$7,751$6,201
7 years$8,331$7,772$7,249$6,760$6,304$4,833
8 years$7,216$6,662$6,147$5,671$5,230$3,838
9 years$6,349$5,800$5,295$4,830$4,404$3,089
10 years$5,656$5,113$4,616$4,164$3,753$2,513
11 years$5,090$4,551$4,064$3,624$3,227$2,061
12 years$4,618$4,085$3,607$3,179$2,797$1,701
13 years$4,219$3,692$3,222$2,806$2,439$1,411
14 years$3,877$3,356$2,895$2,491$2,138$1,176
15 years$3,581$3,066$2,614$2,222$1,882$983
16 years$3,323$2,813$2,370$1,989$1,664$824
17 years$3,095$2,590$2,157$1,787$1,475$692
18 years$2,892$2,394$1,969$1,611$1,312$583
19 years$2,712$2,218$1,802$1,455$1,169$491
20 years$2,549$2,061$1,654$1,318$1,044$415
21 years$2,402$1,920$1,521$1,196$934$351
22 years$2,269$1,792$1,402$1,088$838$297
23 years$2,147$1,676$1,295$991$752$251
24 years$2,036$1,571$1,197$903$676$213
25 years$1,934$1,474$1,109$825$608$180
26 years$1,839$1,385$1,029$754$548$153
27 years$1,752$1,304$955$691$494$130
28 years$1,672$1,228$888$633$446$110
29 years$1,597$1,159$826$580$402$93
30 years$1,527$1,094$770$532$364$79
31 years$1,461$1,035$717$489$329$67
32 years$1,400$979$669$449$297$57
33 years$1,343$927$625$413$269$49
34 years$1,289$879$584$380$244$41
35 years$1,239$833$546$350$221$35
36 years$1,191$791$511$322$200$30
37 years$1,146$751$478$297$181$25
38 years$1,104$714$448$274$164$22
39 years$1,063$679$419$252$149$18
40 years$1,025$646$393$233$135$16
41 years$989$615$369$215$123$13
42 years$955$586$346$198$111$11
43 years$922$558$324$183$101$10
44 years$891$532$305$169$92$8
45 years$861$507$286$156$83$7
46 years$833$484$269$144$76$6
47 years$806$462$252$133$69$5
48 years$780$441$237$123$62$4
49 years$756$421$223$114$57$4
50 years$732$402$210$105$51$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $750,000, adding $5,788 every year, while hoping to spend $32,616 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: 37/47/16 Blend
34$750,000$750,000$750,000$750,000
35$832,470$792,720$781,095$859,033
36$882,679$796,860$772,559$882,825
37$936,916$800,110$762,643$904,974
38$995,558$802,392$751,268$928,203
39$1,059,017$803,622$738,348$952,626
40$1,127,751$803,713$723,796$978,368
41$1,202,257$802,570$707,519$1,005,575
42$1,283,086$800,095$689,420$1,034,403
43$1,370,843$796,183$669,398$1,065,033
44$1,466,194$790,720$647,347$1,097,661
45$1,569,869$783,588$623,157$1,132,510
46$1,682,674$774,662$596,711$1,169,827
47$1,805,494$763,808$567,888$1,209,886
48$1,939,304$750,885$536,562$1,252,996
49$2,085,177$735,742$502,601$1,299,498
50$2,244,293$718,222$465,866$1,349,771
51$2,417,951$698,155$426,213$1,404,240
52$2,607,582$675,364$383,491$1,463,374
53$2,814,760$649,661$337,542$1,527,697
54$3,041,217$620,847$288,202$1,597,790
55$3,288,863$588,710$235,298$1,674,299
56$3,559,799$553,028$178,652$1,757,941
57$3,856,337$513,565$118,076$1,849,512
58$4,181,025$470,071$53,373$1,949,896
59$4,536,668$422,284$0$2,060,074
60$4,926,357$369,924$0$2,183,807
61$5,353,492$312,698$0$2,329,525
62$5,821,822$250,293$0$2,489,479
63$6,335,473$182,383$0$2,665,190
64$6,898,991$108,619$0$2,858,341
65$7,517,382$28,636$0$3,070,791
66$8,196,163$0$0$3,304,599
67$8,941,407$0$0$3,592,013
68$9,759,807$0$0$3,924,014
69$10,658,735$0$0$4,288,796
70$11,646,311$0$0$4,689,669
71$12,731,482$0$0$5,130,278
72$13,924,104$0$0$5,614,641
73$15,235,035$0$0$6,147,183
74$16,676,237$0$0$6,732,779
75$18,260,889$0$0$7,376,801
76$20,003,512$0$0$8,085,168
77$21,920,102$0$0$8,864,400
78$24,028,286$0$0$9,721,682
79$26,347,483$0$0$10,664,929
80$28,899,090$0$0$11,702,865
81$31,706,682$0$0$12,845,098
82$34,796,235$0$0$14,102,219
83$38,196,370$0$0$15,485,893
84$41,938,623$0$0$17,008,978
85$46,057,741$0$0$18,685,638
86$50,592,012$0$0$20,531,483
87$55,583,626$0$0$22,563,711
88$61,079,068$0$0$24,801,274
89$67,129,560$0$0$27,265,054
90$73,791,547$0$0$29,978,062
91$81,127,222$0$0$32,965,654
92$89,205,117$0$0$36,255,771
93$98,100,749$0$0$39,879,199
94$107,897,332$0$0$43,869,865
95$118,686,561$0$0$48,265,153
96$130,569,478$0$0$53,106,259
97$143,657,425$0$0$58,438,576
98$158,073,093$0$0$64,312,127
99$173,951,681$0$0$70,782,033
100$191,442,172$0$0$77,909,038