Can I retire at age 35 with 754,000?

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 $754,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$62,265$61,710$61,169$60,641$60,125$59,032
2 years$30,824$30,250$29,694$29,154$28,631$27,534
3 years$20,345$19,769$19,214$18,679$18,165$17,097
4 years$15,107$14,532$13,983$13,457$12,955$11,926
5 years$11,965$11,393$10,851$10,337$9,848$8,860
6 years$9,871$9,304$8,769$8,266$7,793$6,847
7 years$8,375$7,813$7,287$6,796$6,338$5,434
8 years$7,254$6,697$6,180$5,701$5,258$4,396
9 years$6,383$5,831$5,323$4,856$4,428$3,608
10 years$5,686$5,140$4,641$4,186$3,773$2,994
11 years$5,117$4,576$4,086$3,643$3,245$2,506
12 years$4,642$4,107$3,626$3,195$2,812$2,112
13 years$4,241$3,711$3,240$2,821$2,452$1,790
14 years$3,898$3,374$2,911$2,504$2,149$1,524
15 years$3,600$3,082$2,628$2,233$1,892$1,303
16 years$3,341$2,828$2,383$2,000$1,672$1,118
17 years$3,111$2,604$2,168$1,797$1,483$961
18 years$2,908$2,406$1,979$1,619$1,319$828
19 years$2,726$2,230$1,812$1,463$1,175$715
20 years$2,563$2,072$1,663$1,325$1,050$619
21 years$2,415$1,930$1,530$1,203$939$536
22 years$2,281$1,802$1,410$1,093$842$465
23 years$2,159$1,685$1,302$996$756$403
24 years$2,047$1,579$1,204$908$679$351
25 years$1,944$1,482$1,115$829$611$305
26 years$1,849$1,393$1,034$758$551$265
27 years$1,762$1,311$960$694$496$231
28 years$1,681$1,235$893$636$448$201
29 years$1,605$1,165$831$583$405$175
30 years$1,535$1,100$774$535$366$153
31 years$1,469$1,040$721$492$330$133
32 years$1,408$984$673$452$299$116
33 years$1,350$932$628$415$271$102
34 years$1,296$883$587$382$245$89
35 years$1,245$838$549$352$222$77
36 years$1,198$795$514$324$201$68
37 years$1,152$755$481$299$182$59
38 years$1,110$718$450$275$165$52
39 years$1,069$683$422$254$150$45
40 years$1,031$649$395$234$136$39
41 years$994$618$371$216$123$34
42 years$960$589$348$199$112$30
43 years$927$561$326$184$101$26
44 years$896$535$306$170$92$23
45 years$866$510$288$157$84$20
46 years$838$486$270$145$76$17
47 years$811$464$254$134$69$15
48 years$785$443$238$124$63$13
49 years$760$423$224$114$57$12
50 years$736$404$211$106$52$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $754,000, adding $4,261 every year, while hoping to spend $28,897 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: 70/12/18 Blend
34$754,000$754,000$754,000$754,000
35$835,303$795,341$783,654$889,887
36$889,758$803,567$779,160$935,021
37$948,799$811,227$773,548$980,566
38$1,012,862$818,263$766,748$1,029,688
39$1,082,430$824,614$758,690$1,082,739
40$1,158,031$830,213$749,299$1,140,104
41$1,240,246$834,990$738,497$1,202,208
42$1,329,717$838,870$726,202$1,269,521
43$1,427,147$841,773$712,328$1,342,561
44$1,533,312$843,616$696,787$1,421,897
45$1,649,064$844,307$679,484$1,508,160
46$1,775,342$843,752$660,320$1,602,043
47$1,913,181$841,850$639,194$1,704,312
48$2,063,716$838,491$615,998$1,815,810
49$2,228,201$833,563$590,620$1,937,470
50$2,408,014$826,944$562,942$2,070,316
51$2,604,673$818,506$532,842$2,215,481
52$2,819,848$808,112$500,192$2,374,214
53$3,055,381$795,617$464,856$2,547,890
54$3,313,298$780,870$426,697$2,738,028
55$3,595,829$763,708$385,566$2,946,302
56$3,905,432$743,958$341,311$3,174,557
57$4,244,814$721,440$293,773$3,424,828
58$4,616,956$695,961$242,785$3,699,361
59$5,025,140$667,318$188,173$4,000,628
60$5,472,982$635,294$129,754$4,331,359
61$5,964,465$599,663$67,340$4,694,563
62$6,503,977$560,183$732$5,093,557
63$7,096,350$516,598$0$5,531,998
64$7,746,907$468,641$0$6,027,430
65$8,461,513$416,026$0$6,571,817
66$9,246,627$358,452$0$7,169,962
67$10,109,368$295,601$0$7,827,317
68$11,057,576$227,137$0$8,549,886
69$12,099,888$152,706$0$9,344,287
70$13,245,820$71,932$0$10,217,815
71$14,505,857$0$0$11,178,506
72$15,891,551$0$0$12,237,276
73$17,415,627$0$0$13,412,272
74$19,092,108$0$0$14,704,812
75$20,936,443$0$0$16,126,812
76$22,965,653$0$0$17,691,403
77$25,198,495$0$0$19,413,052
78$27,655,632$0$0$21,307,697
79$30,359,834$0$0$23,392,904
80$33,336,189$0$0$25,688,025
81$36,612,342$0$0$28,214,382
82$40,218,752$0$0$30,995,473
83$44,188,982$0$0$34,057,187
84$48,560,015$0$0$37,428,050
85$53,372,602$0$0$41,139,499
86$58,671,646$0$0$45,226,169
87$64,506,626$0$0$49,726,229
88$70,932,064$0$0$54,681,735
89$78,008,038$0$0$60,139,031
90$85,800,749$0$0$66,149,183
91$94,383,148$0$0$72,768,464
92$103,835,620$0$0$80,058,881
93$114,246,743$0$0$88,088,765
94$125,714,128$0$0$96,933,408
95$138,345,333$0$0$106,675,782
96$152,258,885$0$0$117,407,316
97$167,585,393$0$0$129,228,761
98$184,468,782$0$0$142,251,139
99$203,067,651$0$0$156,596,792
100$223,556,771$0$0$172,400,537