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%16.5%
1 years$62,017$61,464$60,926$60,399$59,886$58,296
2 years$30,701$30,130$29,575$29,038$28,517$26,927
3 years$20,264$19,690$19,137$18,605$18,092$16,551
4 years$15,047$14,474$13,927$13,404$12,904$11,423
5 years$11,917$11,348$10,808$10,295$9,809$8,393
6 years$9,831$9,266$8,734$8,233$7,762$6,412
7 years$8,342$7,782$7,258$6,769$6,312$5,029
8 years$7,226$6,671$6,156$5,678$5,237$4,019
9 years$6,358$5,808$5,302$4,837$4,410$3,257
10 years$5,664$5,119$4,622$4,169$3,758$2,668
11 years$5,096$4,558$4,069$3,629$3,232$2,204
12 years$4,624$4,091$3,611$3,183$2,800$1,832
13 years$4,224$3,697$3,227$2,810$2,442$1,531
14 years$3,882$3,360$2,899$2,494$2,141$1,285
15 years$3,586$3,070$2,618$2,224$1,885$1,083
16 years$3,327$2,816$2,373$1,992$1,666$915
17 years$3,099$2,594$2,159$1,790$1,477$775
18 years$2,896$2,397$1,971$1,613$1,313$658
19 years$2,715$2,221$1,805$1,457$1,171$559
20 years$2,552$2,064$1,656$1,320$1,046$476
21 years$2,405$1,923$1,523$1,198$936$406
22 years$2,272$1,795$1,404$1,089$839$346
23 years$2,150$1,679$1,296$992$753$296
24 years$2,039$1,573$1,199$905$677$253
25 years$1,936$1,476$1,110$826$609$216
26 years$1,842$1,387$1,030$755$548$185
27 years$1,755$1,305$956$691$495$158
28 years$1,674$1,230$889$634$446$136
29 years$1,599$1,160$827$581$403$116
30 years$1,529$1,096$771$533$364$99
31 years$1,463$1,036$718$490$329$85
32 years$1,402$980$670$450$298$73
33 years$1,345$928$626$414$269$63
34 years$1,291$880$585$381$244$54
35 years$1,240$835$547$351$221$46
36 years$1,193$792$511$323$200$40
37 years$1,148$752$479$297$181$34
38 years$1,105$715$448$274$165$29
39 years$1,065$680$420$253$149$25
40 years$1,027$647$394$233$135$21
41 years$991$616$369$215$123$18
42 years$956$586$346$199$111$16
43 years$923$559$325$183$101$14
44 years$892$533$305$169$92$12
45 years$863$508$286$156$83$10
46 years$834$484$269$144$76$9
47 years$807$462$253$133$69$7
48 years$782$441$237$123$62$6
49 years$757$421$223$114$57$5
50 years$733$403$210$105$51$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $751,000, adding $6,813 every year, while hoping to spend $47,602 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: 43/47/10 Blend
34$751,000$751,000$751,000$751,000
35$834,630$794,827$783,186$867,820
36$869,114$783,125$758,775$879,919
37$905,520$769,255$731,950$887,672
38$943,993$753,059$702,581$894,998
39$984,694$734,372$670,531$901,878
40$1,027,795$713,018$635,656$908,293
41$1,073,486$688,812$597,806$914,225
42$1,121,975$661,557$556,826$919,660
43$1,173,488$631,045$512,551$924,585
44$1,228,273$597,055$464,811$928,993
45$1,286,601$559,355$413,426$932,878
46$1,348,770$517,699$358,211$936,241
47$1,415,104$471,826$298,971$939,088
48$1,485,960$421,461$235,503$941,431
49$1,561,729$366,314$167,593$943,289
50$1,642,839$306,077$95,020$944,693
51$1,729,759$240,425$17,554$945,679
52$1,823,004$169,015$0$946,299
53$1,923,140$91,487$0$953,564
54$2,030,786$7,456$0$963,054
55$2,146,625$0$0$973,018
56$2,271,403$0$0$1,026,776
57$2,405,942$0$0$1,088,968
58$2,551,143$0$0$1,156,163
59$2,707,999$0$0$1,228,830
60$2,877,598$0$0$1,307,483
61$3,061,138$0$0$1,392,689
62$3,259,935$0$0$1,485,068
63$3,475,436$0$0$1,585,305
64$3,709,231$0$0$1,694,152
65$3,963,073$0$0$1,812,437
66$4,238,884$0$0$1,941,069
67$4,538,782$0$0$2,081,051
68$4,865,097$0$0$2,233,483
69$5,220,393$0$0$2,399,579
70$5,607,488$0$0$2,580,672
71$6,029,488$0$0$2,778,231
72$6,489,808$0$0$2,993,873
73$6,992,208$0$0$3,229,377
74$7,540,827$0$0$3,486,701
75$8,140,220$0$0$3,768,001
76$8,795,404$0$0$4,075,653
77$9,511,900$0$0$4,412,270
78$10,295,789$0$0$4,780,729
79$11,153,765$0$0$5,184,202
80$12,093,200$0$0$5,626,177
81$13,122,213$0$0$6,110,500
82$14,249,744$0$0$6,641,403
83$15,485,639$0$0$7,223,548
84$16,840,741$0$0$7,862,070
85$18,326,994$0$0$8,562,627
86$19,957,552$0$0$9,331,446
87$21,746,906$0$0$10,175,391
88$23,711,014$0$0$11,102,021
89$25,867,458$0$0$12,119,663
90$28,235,604$0$0$13,237,489
91$30,836,785$0$0$14,465,604
92$33,694,502$0$0$15,815,141
93$36,834,647$0$0$17,298,363
94$40,285,740$0$0$18,928,781
95$44,079,205$0$0$20,721,280
96$48,249,659$0$0$22,692,259
97$52,835,242$0$0$24,859,787
98$57,877,974$0$0$27,243,769
99$63,424,152$0$0$29,866,139
100$69,524,782$0$0$32,751,060