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%13.7%
1 years$62,265$61,710$61,169$60,641$60,125$59,202
2 years$30,824$30,250$29,694$29,154$28,631$27,703
3 years$20,345$19,769$19,214$18,679$18,165$17,261
4 years$15,107$14,532$13,983$13,457$12,955$12,083
5 years$11,965$11,393$10,851$10,337$9,848$9,010
6 years$9,871$9,304$8,769$8,266$7,793$6,989
7 years$8,375$7,813$7,287$6,796$6,338$5,568
8 years$7,254$6,697$6,180$5,701$5,258$4,523
9 years$6,383$5,831$5,323$4,856$4,428$3,728
10 years$5,686$5,140$4,641$4,186$3,773$3,107
11 years$5,117$4,576$4,086$3,643$3,245$2,612
12 years$4,642$4,107$3,626$3,195$2,812$2,211
13 years$4,241$3,711$3,240$2,821$2,452$1,883
14 years$3,898$3,374$2,911$2,504$2,149$1,611
15 years$3,600$3,082$2,628$2,233$1,892$1,384
16 years$3,341$2,828$2,383$2,000$1,672$1,193
17 years$3,111$2,604$2,168$1,797$1,483$1,031
18 years$2,908$2,406$1,979$1,619$1,319$893
19 years$2,726$2,230$1,812$1,463$1,175$775
20 years$2,563$2,072$1,663$1,325$1,050$674
21 years$2,415$1,930$1,530$1,203$939$587
22 years$2,281$1,802$1,410$1,093$842$512
23 years$2,159$1,685$1,302$996$756$447
24 years$2,047$1,579$1,204$908$679$390
25 years$1,944$1,482$1,115$829$611$341
26 years$1,849$1,393$1,034$758$551$299
27 years$1,762$1,311$960$694$496$261
28 years$1,681$1,235$893$636$448$229
29 years$1,605$1,165$831$583$405$201
30 years$1,535$1,100$774$535$366$176
31 years$1,469$1,040$721$492$330$154
32 years$1,408$984$673$452$299$135
33 years$1,350$932$628$415$271$119
34 years$1,296$883$587$382$245$104
35 years$1,245$838$549$352$222$92
36 years$1,198$795$514$324$201$81
37 years$1,152$755$481$299$182$71
38 years$1,110$718$450$275$165$62
39 years$1,069$683$422$254$150$55
40 years$1,031$649$395$234$136$48
41 years$994$618$371$216$123$42
42 years$960$589$348$199$112$37
43 years$927$561$326$184$101$33
44 years$896$535$306$170$92$29
45 years$866$510$288$157$84$25
46 years$838$486$270$145$76$22
47 years$811$464$254$134$69$19
48 years$785$443$238$124$63$17
49 years$760$423$224$114$57$15
50 years$736$404$211$106$52$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $754,000, adding $2,246 every year, while hoping to spend $57,773 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: 43/39/18 Blend
34$754,000$754,000$754,000$754,000
35$833,225$793,263$781,576$864,600
36$856,744$770,663$746,289$864,336
37$880,725$745,019$707,883$858,198
38$905,156$716,121$666,193$850,334
39$930,018$683,747$621,047$840,614
40$955,290$647,662$572,263$828,899
41$980,949$607,616$519,653$815,038
42$1,006,964$563,347$463,019$798,875
43$1,033,300$514,577$402,156$780,241
44$1,059,916$461,011$336,848$758,956
45$1,086,765$402,339$266,870$734,828
46$1,113,794$338,232$191,989$707,656
47$1,140,939$268,343$111,959$677,221
48$1,168,129$192,306$26,524$643,292
49$1,195,284$109,735$0$605,624
50$1,222,310$20,219$0$576,370
51$1,249,104$0$0$549,078
52$1,275,547$0$0$551,309
53$1,301,508$0$0$561,937
54$1,326,835$0$0$572,213
55$1,351,363$0$0$582,055
56$1,374,901$0$0$591,373
57$1,397,240$0$0$600,064
58$1,418,144$0$0$608,015
59$1,437,349$0$0$615,100
60$1,454,561$0$0$621,177
61$1,469,453$0$0$626,089
62$1,481,660$0$0$629,662
63$1,490,775$0$0$631,699
64$1,496,346$0$0$631,985
65$1,497,871$0$0$630,280
66$1,494,791$0$0$626,317
67$1,486,488$0$0$619,799
68$1,472,274$0$0$610,399
69$1,451,386$0$0$597,753
70$1,422,980$0$0$581,457
71$1,386,117$0$0$561,065
72$1,339,761$0$0$536,082
73$1,282,764$0$0$505,962
74$1,213,852$0$0$470,098
75$1,131,620$0$0$427,820
76$1,034,509$0$0$378,389
77$920,798$0$0$320,983
78$788,582$0$0$254,698
79$635,758$0$0$178,533
80$459,997$0$0$91,381
81$258,730$0$0$0
82$29,116$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0