Can I retire at age 35 with 751,000?

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 $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%12.5%
1 years$62,017$61,464$60,926$60,399$59,886$59,260
2 years$30,701$30,130$29,575$29,038$28,517$27,887
3 years$20,264$19,690$19,137$18,605$18,092$17,478
4 years$15,047$14,474$13,927$13,404$12,904$12,309
5 years$11,917$11,348$10,808$10,295$9,809$9,236
6 years$9,831$9,266$8,734$8,233$7,762$7,211
7 years$8,342$7,782$7,258$6,769$6,312$5,784
8 years$7,226$6,671$6,156$5,678$5,237$4,731
9 years$6,358$5,808$5,302$4,837$4,410$3,927
10 years$5,664$5,119$4,622$4,169$3,758$3,296
11 years$5,096$4,558$4,069$3,629$3,232$2,792
12 years$4,624$4,091$3,611$3,183$2,800$2,382
13 years$4,224$3,697$3,227$2,810$2,442$2,044
14 years$3,882$3,360$2,899$2,494$2,141$1,763
15 years$3,586$3,070$2,618$2,224$1,885$1,527
16 years$3,327$2,816$2,373$1,992$1,666$1,327
17 years$3,099$2,594$2,159$1,790$1,477$1,156
18 years$2,896$2,397$1,971$1,613$1,313$1,010
19 years$2,715$2,221$1,805$1,457$1,171$885
20 years$2,552$2,064$1,656$1,320$1,046$776
21 years$2,405$1,923$1,523$1,198$936$682
22 years$2,272$1,795$1,404$1,089$839$600
23 years$2,150$1,679$1,296$992$753$529
24 years$2,039$1,573$1,199$905$677$466
25 years$1,936$1,476$1,110$826$609$411
26 years$1,842$1,387$1,030$755$548$364
27 years$1,755$1,305$956$691$495$321
28 years$1,674$1,230$889$634$446$284
29 years$1,599$1,160$827$581$403$252
30 years$1,529$1,096$771$533$364$223
31 years$1,463$1,036$718$490$329$197
32 years$1,402$980$670$450$298$175
33 years$1,345$928$626$414$269$155
34 years$1,291$880$585$381$244$138
35 years$1,240$835$547$351$221$122
36 years$1,193$792$511$323$200$108
37 years$1,148$752$479$297$181$96
38 years$1,105$715$448$274$165$85
39 years$1,065$680$420$253$149$76
40 years$1,027$647$394$233$135$67
41 years$991$616$369$215$123$60
42 years$956$586$346$199$111$53
43 years$923$559$325$183$101$47
44 years$892$533$305$169$92$42
45 years$863$508$286$156$83$37
46 years$834$484$269$144$76$33
47 years$807$462$253$133$69$29
48 years$782$441$237$123$62$26
49 years$757$421$223$114$57$23
50 years$733$403$210$105$51$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $751,000, adding $3,658 every year, while hoping to spend $34,402 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: 43/40/17 Blend
34$751,000$751,000$751,000$751,000
35$831,375$791,572$779,932$862,868
36$879,572$793,756$769,456$887,575
37$931,532$794,893$757,476$910,649
38$987,602$794,897$743,906$934,918
39$1,048,165$793,675$728,654$960,509
40$1,113,640$791,127$711,626$987,561
41$1,184,488$787,149$692,722$1,016,233
42$1,261,216$781,629$671,839$1,046,699
43$1,344,382$774,450$648,867$1,079,156
44$1,434,597$765,487$623,693$1,113,821
45$1,532,537$754,607$596,197$1,150,937
46$1,638,943$741,670$566,257$1,190,775
47$1,754,630$726,527$533,741$1,233,636
48$1,880,495$709,019$498,514$1,279,855
49$2,017,525$688,981$460,435$1,329,805
50$2,166,808$666,236$419,354$1,383,902
51$2,329,536$640,596$375,116$1,442,605
52$2,507,028$611,863$327,561$1,506,427
53$2,700,729$579,829$276,519$1,575,936
54$2,912,235$544,272$221,814$1,651,763
55$3,143,299$504,958$163,261$1,734,611
56$3,395,853$461,638$100,668$1,825,256
57$3,672,023$414,052$33,834$1,924,561
58$3,974,152$361,923$0$2,033,483
59$4,304,817$304,958$0$2,159,882
60$4,666,856$242,849$0$2,305,127
61$5,063,396$175,270$0$2,464,416
62$5,497,880$101,875$0$2,639,238
63$5,974,099$22,302$0$2,831,235
64$6,496,228$0$0$3,042,224
65$7,068,866$0$0$3,302,313
66$7,697,080$0$0$3,598,507
67$8,386,447$0$0$3,923,632
68$9,143,115$0$0$4,280,600
69$9,973,852$0$0$4,672,616
70$10,886,115$0$0$5,103,213
71$11,888,120$0$0$5,576,282
72$12,988,915$0$0$6,096,109
73$14,198,470$0$0$6,667,415
74$15,527,767$0$0$7,295,405
75$16,988,906$0$0$7,985,809
76$18,595,216$0$0$8,744,941
77$20,361,382$0$0$9,579,760
78$22,303,586$0$0$10,497,929
79$24,439,653$0$0$11,507,894
80$26,789,223$0$0$12,618,959
81$29,373,936$0$0$13,841,377
82$32,217,635$0$0$15,186,442
83$35,346,589$0$0$16,666,602
84$38,789,743$0$0$18,295,569
85$42,578,990$0$0$20,088,453
86$46,749,470$0$0$22,061,904
87$51,339,902$0$0$24,234,266
88$56,392,951$0$0$26,625,754
89$61,955,627$0$0$29,258,640
90$68,079,730$0$0$32,157,468
91$74,822,337$0$0$35,349,282
92$82,246,342$0$0$38,863,881
93$90,421,047$0$0$42,734,102
94$99,422,818$0$0$46,996,127
95$109,335,803$0$0$51,689,828
96$120,252,725$0$0$56,859,140
97$132,275,761$0$0$62,552,476
98$145,517,500$0$0$68,823,183
99$160,102,009$0$0$75,730,049
100$176,166,003$0$0$83,337,852