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%11.2%
1 years$61,934$61,383$60,844$60,319$59,806$59,504
2 years$30,661$30,090$29,536$29,000$28,479$28,174
3 years$20,237$19,664$19,112$18,580$18,068$17,770
4 years$15,027$14,455$13,909$13,386$12,886$12,597
5 years$11,901$11,333$10,794$10,282$9,796$9,517
6 years$9,818$9,254$8,723$8,222$7,751$7,482
7 years$8,331$7,772$7,249$6,760$6,304$6,045
8 years$7,216$6,662$6,147$5,671$5,230$4,981
9 years$6,349$5,800$5,295$4,830$4,404$4,166
10 years$5,656$5,113$4,616$4,164$3,753$3,524
11 years$5,090$4,551$4,064$3,624$3,227$3,009
12 years$4,618$4,085$3,607$3,179$2,797$2,588
13 years$4,219$3,692$3,222$2,806$2,439$2,240
14 years$3,877$3,356$2,895$2,491$2,138$1,948
15 years$3,581$3,066$2,614$2,222$1,882$1,702
16 years$3,323$2,813$2,370$1,989$1,664$1,492
17 years$3,095$2,590$2,157$1,787$1,475$1,312
18 years$2,892$2,394$1,969$1,611$1,312$1,157
19 years$2,712$2,218$1,802$1,455$1,169$1,023
20 years$2,549$2,061$1,654$1,318$1,044$906
21 years$2,402$1,920$1,521$1,196$934$804
22 years$2,269$1,792$1,402$1,088$838$714
23 years$2,147$1,676$1,295$991$752$635
24 years$2,036$1,571$1,197$903$676$566
25 years$1,934$1,474$1,109$825$608$504
26 years$1,839$1,385$1,029$754$548$450
27 years$1,752$1,304$955$691$494$402
28 years$1,672$1,228$888$633$446$359
29 years$1,597$1,159$826$580$402$322
30 years$1,527$1,094$770$532$364$288
31 years$1,461$1,035$717$489$329$258
32 years$1,400$979$669$449$297$231
33 years$1,343$927$625$413$269$207
34 years$1,289$879$584$380$244$185
35 years$1,239$833$546$350$221$166
36 years$1,191$791$511$322$200$149
37 years$1,146$751$478$297$181$134
38 years$1,104$714$448$274$164$120
39 years$1,063$679$419$252$149$108
40 years$1,025$646$393$233$135$97
41 years$989$615$369$215$123$87
42 years$955$586$346$198$111$78
43 years$922$558$324$183$101$70
44 years$891$532$305$169$92$63
45 years$861$507$286$156$83$57
46 years$833$484$269$144$76$51
47 years$806$462$252$133$69$46
48 years$780$441$237$123$62$41
49 years$756$421$223$114$57$37
50 years$732$402$210$105$51$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $750,000, adding $5,834 every year, while hoping to spend $35,799 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: 51/44/5 Blend
34$750,000$750,000$750,000$750,000
35$832,518$792,768$781,143$873,714
36$879,345$793,524$769,221$903,084
37$929,748$793,116$755,700$930,615
38$984,055$791,452$740,489$959,676
39$1,042,625$788,429$723,492$990,416
40$1,105,852$783,941$704,608$1,023,003
41$1,174,170$777,875$683,733$1,057,622
42$1,248,055$770,111$660,758$1,094,482
43$1,328,031$760,521$635,568$1,133,811
44$1,414,674$748,971$608,043$1,175,864
45$1,508,617$735,316$578,059$1,220,926
46$1,610,556$719,407$545,484$1,269,311
47$1,721,257$701,082$510,182$1,321,368
48$1,841,561$680,171$472,009$1,377,484
49$1,972,396$656,495$430,817$1,438,090
50$2,114,780$629,863$386,449$1,503,663
51$2,269,835$600,074$338,743$1,574,732
52$2,438,796$566,915$287,528$1,651,883
53$2,623,019$530,160$232,626$1,735,767
54$2,824,001$489,571$173,853$1,827,105
55$3,043,385$444,897$111,013$1,926,694
56$3,282,984$395,871$43,906$2,035,420
57$3,544,792$342,211$0$2,154,262
58$3,831,002$283,621$0$2,285,785
59$4,144,032$219,786$0$2,432,306
60$4,486,542$150,375$0$2,592,824
61$4,861,463$75,036$0$2,768,823
62$5,272,020$0$0$2,961,947
63$5,721,767$0$0$3,177,206
64$6,214,616$0$0$3,452,983
65$6,754,876$0$0$3,755,367
66$7,347,294$0$0$4,087,026
67$7,997,096$0$0$4,450,895
68$8,710,040$0$0$4,850,210
69$9,492,466$0$0$5,288,531
70$10,351,362$0$0$5,769,786
71$11,294,421$0$0$6,298,295
72$12,330,119$0$0$6,878,822
73$13,467,794$0$0$7,516,613
74$14,717,732$0$0$8,217,448
75$16,091,265$0$0$8,987,693
76$17,600,876$0$0$9,834,363
77$19,260,319$0$0$10,765,186
78$21,084,746$0$0$11,788,677
79$23,090,851$0$0$12,914,214
80$25,297,025$0$0$14,152,134
81$27,723,533$0$0$15,513,823
82$30,392,700$0$0$17,011,827
83$33,329,125$0$0$18,659,968
84$36,559,911$0$0$20,473,477
85$40,114,921$0$0$22,469,135
86$44,027,057$0$0$24,665,432
87$48,332,575$0$0$27,082,741
88$53,071,420$0$0$29,743,511
89$58,287,609$0$0$32,672,478
90$64,029,640$0$0$35,896,895
91$70,350,954$0$0$39,446,795
92$77,310,437$0$0$43,355,270
93$84,972,972$0$0$47,658,784
94$93,410,058$0$0$52,397,517
95$102,700,477$0$0$57,615,742
96$112,931,040$0$0$63,362,248
97$124,197,406$0$0$69,690,793
98$136,604,985$0$0$76,660,615
99$150,269,930$0$0$84,336,993
100$165,320,233$0$0$92,791,856