Can I retire at age 35 with 751,000?

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 $751,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$62,017$61,464$60,926$60,399$59,886$57,669
2 years$30,701$30,130$29,575$29,038$28,517$26,309
3 years$20,264$19,690$19,137$18,605$18,092$15,962
4 years$15,047$14,474$13,927$13,404$12,904$10,868
5 years$11,917$11,348$10,808$10,295$9,809$7,873
6 years$9,831$9,266$8,734$8,233$7,762$5,926
7 years$8,342$7,782$7,258$6,769$6,312$4,577
8 years$7,226$6,671$6,156$5,678$5,237$3,600
9 years$6,358$5,808$5,302$4,837$4,410$2,870
10 years$5,664$5,119$4,622$4,169$3,758$2,311
11 years$5,096$4,558$4,069$3,629$3,232$1,876
12 years$4,624$4,091$3,611$3,183$2,800$1,532
13 years$4,224$3,697$3,227$2,810$2,442$1,257
14 years$3,882$3,360$2,899$2,494$2,141$1,036
15 years$3,586$3,070$2,618$2,224$1,885$856
16 years$3,327$2,816$2,373$1,992$1,666$709
17 years$3,099$2,594$2,159$1,790$1,477$589
18 years$2,896$2,397$1,971$1,613$1,313$490
19 years$2,715$2,221$1,805$1,457$1,171$408
20 years$2,552$2,064$1,656$1,320$1,046$340
21 years$2,405$1,923$1,523$1,198$936$284
22 years$2,272$1,795$1,404$1,089$839$237
23 years$2,150$1,679$1,296$992$753$198
24 years$2,039$1,573$1,199$905$677$166
25 years$1,936$1,476$1,110$826$609$139
26 years$1,842$1,387$1,030$755$548$116
27 years$1,755$1,305$956$691$495$97
28 years$1,674$1,230$889$634$446$82
29 years$1,599$1,160$827$581$403$68
30 years$1,529$1,096$771$533$364$57
31 years$1,463$1,036$718$490$329$48
32 years$1,402$980$670$450$298$40
33 years$1,345$928$626$414$269$34
34 years$1,291$880$585$381$244$28
35 years$1,240$835$547$351$221$24
36 years$1,193$792$511$323$200$20
37 years$1,148$752$479$297$181$17
38 years$1,105$715$448$274$165$14
39 years$1,065$680$420$253$149$12
40 years$1,027$647$394$233$135$10
41 years$991$616$369$215$123$8
42 years$956$586$346$199$111$7
43 years$923$559$325$183$101$6
44 years$892$533$305$169$92$5
45 years$863$508$286$156$83$4
46 years$834$484$269$144$76$3
47 years$807$462$253$133$69$3
48 years$782$441$237$123$62$2
49 years$757$421$223$114$57$2
50 years$733$403$210$105$51$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $751,000, adding $4,189 every year, while hoping to spend $38,972 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: 55/18/27 Blend
34$751,000$751,000$751,000$751,000
35$831,923$792,120$780,479$871,266
36$875,313$789,468$765,160$896,176
37$921,823$785,380$748,020$918,907
38$971,730$779,744$728,960$942,872
39$1,025,337$772,442$707,871$968,203
40$1,082,979$763,349$684,642$995,047
41$1,145,021$752,332$659,156$1,023,568
42$1,211,866$739,250$631,291$1,053,950
43$1,283,957$723,953$600,919$1,086,397
44$1,361,777$706,284$567,907$1,121,136
45$1,445,862$686,075$532,115$1,158,420
46$1,536,796$663,149$493,397$1,198,530
47$1,635,225$637,318$451,601$1,241,779
48$1,741,856$608,385$406,568$1,288,515
49$1,857,468$576,139$358,131$1,339,122
50$1,982,918$540,358$306,116$1,394,032
51$2,119,147$500,807$250,343$1,453,718
52$2,267,192$457,238$190,621$1,518,710
53$2,428,192$409,389$126,754$1,589,594
54$2,603,401$356,983$58,534$1,667,020
55$2,794,199$299,726$0$1,751,709
56$3,002,103$237,309$0$1,848,571
57$3,228,785$169,404$0$1,972,643
58$3,476,084$95,667$0$2,108,094
59$3,746,022$15,733$0$2,256,080
60$4,040,829$0$0$2,417,880
61$4,362,956$0$0$2,608,922
62$4,715,104$0$0$2,821,242
63$5,100,246$0$0$3,053,524
64$5,521,655$0$0$3,307,751
65$5,982,934$0$0$3,586,106
66$6,488,053$0$0$3,890,994
67$7,041,383$0$0$4,225,063
68$7,647,736$0$0$4,591,228
69$8,312,413$0$0$4,992,700
70$9,041,252$0$0$5,433,018
71$9,840,683$0$0$5,916,077
72$10,717,789$0$0$6,446,167
73$11,680,371$0$0$7,028,016
74$12,737,021$0$0$7,666,831
75$13,897,204$0$0$8,368,347
76$15,171,349$0$0$9,138,881
77$16,570,939$0$0$9,985,394
78$18,108,630$0$0$10,915,553
79$19,798,359$0$0$11,937,805
80$21,655,485$0$0$13,061,457
81$23,696,925$0$0$14,296,760
82$25,941,318$0$0$15,655,009
83$28,409,199$0$0$17,148,649
84$31,123,193$0$0$18,791,390
85$34,108,226$0$0$20,598,339
86$37,391,762$0$0$22,586,139
87$41,004,061$0$0$24,773,127
88$44,978,462$0$0$27,179,509
89$49,351,699$0$0$29,827,547
90$54,164,248$0$0$32,741,771
91$59,460,705$0$0$35,949,207
92$65,290,209$0$0$39,479,637
93$71,706,905$0$0$43,365,874
94$78,770,452$0$0$47,644,077
95$86,546,588$0$0$52,354,084
96$95,107,750$0$0$57,539,797
97$104,533,752$0$0$63,249,589
98$114,912,544$0$0$69,536,763
99$126,341,038$0$0$76,460,054
100$138,926,022$0$0$84,084,182