Can I retire at age 35 with 753,000?

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 $753,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$62,182$61,628$61,088$60,560$60,045$58,428
2 years$30,783$30,210$29,654$29,116$28,593$26,975
3 years$20,318$19,742$19,188$18,655$18,141$16,573
4 years$15,087$14,513$13,964$13,440$12,938$11,432
5 years$11,949$11,378$10,837$10,323$9,835$8,396
6 years$9,857$9,291$8,758$8,255$7,782$6,410
7 years$8,364$7,803$7,278$6,787$6,329$5,025
8 years$7,245$6,688$6,172$5,694$5,251$4,014
9 years$6,375$5,823$5,316$4,850$4,422$3,251
10 years$5,679$5,133$4,635$4,180$3,768$2,661
11 years$5,110$4,570$4,080$3,638$3,240$2,196
12 years$4,636$4,101$3,621$3,191$2,808$1,825
13 years$4,236$3,707$3,235$2,817$2,449$1,524
14 years$3,893$3,369$2,907$2,501$2,146$1,279
15 years$3,596$3,078$2,624$2,230$1,890$1,076
16 years$3,336$2,824$2,379$1,997$1,670$909
17 years$3,107$2,601$2,165$1,794$1,481$769
18 years$2,904$2,403$1,977$1,617$1,317$652
19 years$2,722$2,227$1,809$1,461$1,174$554
20 years$2,559$2,070$1,661$1,323$1,048$471
21 years$2,412$1,928$1,527$1,201$938$401
22 years$2,278$1,799$1,408$1,092$841$342
23 years$2,156$1,683$1,300$995$755$292
24 years$2,044$1,577$1,202$907$678$249
25 years$1,941$1,480$1,113$828$611$213
26 years$1,847$1,391$1,033$757$550$182
27 years$1,759$1,309$959$693$496$156
28 years$1,678$1,233$891$635$447$133
29 years$1,603$1,164$830$583$404$114
30 years$1,533$1,099$773$535$365$98
31 years$1,467$1,039$720$491$330$84
32 years$1,406$983$672$451$299$72
33 years$1,349$931$628$415$270$61
34 years$1,295$882$586$382$245$53
35 years$1,244$837$548$351$222$45
36 years$1,196$794$513$324$201$39
37 years$1,151$754$480$298$182$33
38 years$1,108$717$449$275$165$28
39 years$1,068$682$421$253$150$24
40 years$1,029$649$395$234$136$21
41 years$993$617$370$216$123$18
42 years$959$588$347$199$112$15
43 years$926$560$326$184$101$13
44 years$895$534$306$170$92$11
45 years$865$509$287$157$84$10
46 years$837$486$270$145$76$8
47 years$809$464$253$134$69$7
48 years$784$443$238$124$63$6
49 years$759$423$224$114$57$5
50 years$735$404$210$106$52$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $753,000, adding $2,152 every year, while hoping to spend $49,336 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: 22/48/30 Blend
34$753,000$753,000$753,000$753,000
35$832,026$792,117$780,445$842,416
36$864,399$778,437$754,097$838,272
37$898,421$762,434$725,213$829,599
38$934,208$743,941$693,655$819,275
39$971,886$722,783$659,281$807,196
40$1,011,592$698,773$621,940$793,257
41$1,053,476$671,714$581,477$777,346
42$1,097,701$641,399$537,727$759,348
43$1,144,446$607,607$490,520$739,140
44$1,193,904$570,104$439,677$716,599
45$1,246,287$528,644$385,012$691,593
46$1,301,828$482,967$326,329$663,987
47$1,360,779$432,798$263,426$633,640
48$1,423,417$377,844$196,090$600,409
49$1,490,046$317,798$124,099$564,141
50$1,560,996$252,335$47,221$524,683
51$1,636,630$181,112$0$481,875
52$1,717,346$103,766$0$446,698
53$1,803,579$19,914$0$424,693
54$1,895,806$0$0$400,641
55$1,994,550$0$0$411,873
56$2,100,386$0$0$435,273
57$2,213,943$0$0$460,475
58$2,335,910$0$0$487,642
59$2,467,047$0$0$516,957
60$2,608,185$0$0$548,618
61$2,760,239$0$0$582,845
62$2,924,212$0$0$619,878
63$3,101,206$0$0$659,983
64$3,292,434$0$0$703,451
65$3,499,227$0$0$750,600
66$3,723,047$0$0$801,784
67$3,965,505$0$0$857,389
68$4,228,369$0$0$917,842
69$4,513,584$0$0$983,610
70$4,823,289$0$0$1,055,209
71$5,159,838$0$0$1,133,206
72$5,525,819$0$0$1,218,226
73$5,924,080$0$0$1,310,954
74$6,357,754$0$0$1,412,148
75$6,830,289$0$0$1,522,639
76$7,345,481$0$0$1,643,343
77$7,907,505$0$0$1,775,269
78$8,520,958$0$0$1,919,527
79$9,190,900$0$0$2,077,339
80$9,922,902$0$0$2,250,052
81$10,723,095$0$0$2,439,148
82$11,598,233$0$0$2,646,259
83$12,555,747$0$0$2,873,182
84$13,603,825$0$0$3,121,896
85$14,751,479$0$0$3,394,583
86$16,008,637$0$0$3,693,643
87$17,386,228$0$0$4,021,720
88$18,896,292$0$0$4,381,728
89$20,552,087$0$0$4,776,875
90$22,368,218$0$0$5,210,696
91$24,360,768$0$0$5,687,084
92$26,547,454$0$0$6,210,327
93$28,947,792$0$0$6,785,151
94$31,583,278$0$0$7,416,760
95$34,477,592$0$0$8,110,889
96$37,656,820$0$0$8,873,853
97$41,149,698$0$0$9,712,613
98$44,987,885$0$0$10,634,836
99$49,206,255$0$0$11,648,969
100$53,843,231$0$0$12,764,319