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%17.7%
1 years$62,265$61,710$61,169$60,641$60,125$58,247
2 years$30,824$30,250$29,694$29,154$28,631$26,756
3 years$20,345$19,769$19,214$18,679$18,165$16,351
4 years$15,107$14,532$13,983$13,457$12,955$11,217
5 years$11,965$11,393$10,851$10,337$9,848$8,190
6 years$9,871$9,304$8,769$8,266$7,793$6,216
7 years$8,375$7,813$7,287$6,796$6,338$4,842
8 years$7,254$6,697$6,180$5,701$5,258$3,842
9 years$6,383$5,831$5,323$4,856$4,428$3,091
10 years$5,686$5,140$4,641$4,186$3,773$2,513
11 years$5,117$4,576$4,086$3,643$3,245$2,060
12 years$4,642$4,107$3,626$3,195$2,812$1,699
13 years$4,241$3,711$3,240$2,821$2,452$1,409
14 years$3,898$3,374$2,911$2,504$2,149$1,173
15 years$3,600$3,082$2,628$2,233$1,892$980
16 years$3,341$2,828$2,383$2,000$1,672$821
17 years$3,111$2,604$2,168$1,797$1,483$689
18 years$2,908$2,406$1,979$1,619$1,319$579
19 years$2,726$2,230$1,812$1,463$1,175$488
20 years$2,563$2,072$1,663$1,325$1,050$412
21 years$2,415$1,930$1,530$1,203$939$348
22 years$2,281$1,802$1,410$1,093$842$294
23 years$2,159$1,685$1,302$996$756$249
24 years$2,047$1,579$1,204$908$679$211
25 years$1,944$1,482$1,115$829$611$178
26 years$1,849$1,393$1,034$758$551$151
27 years$1,762$1,311$960$694$496$128
28 years$1,681$1,235$893$636$448$109
29 years$1,605$1,165$831$583$405$92
30 years$1,535$1,100$774$535$366$78
31 years$1,469$1,040$721$492$330$66
32 years$1,408$984$673$452$299$56
33 years$1,350$932$628$415$271$48
34 years$1,296$883$587$382$245$41
35 years$1,245$838$549$352$222$34
36 years$1,198$795$514$324$201$29
37 years$1,152$755$481$299$182$25
38 years$1,110$718$450$275$165$21
39 years$1,069$683$422$254$150$18
40 years$1,031$649$395$234$136$15
41 years$994$618$371$216$123$13
42 years$960$589$348$199$112$11
43 years$927$561$326$184$101$9
44 years$896$535$306$170$92$8
45 years$866$510$288$157$84$7
46 years$838$486$270$145$76$6
47 years$811$464$254$134$69$5
48 years$785$443$238$124$63$4
49 years$760$423$224$114$57$4
50 years$736$404$211$106$52$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $754,000, adding $5,412 every year, while hoping to spend $35,437 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: 56/14/30 Blend
34$754,000$754,000$754,000$754,000
35$836,490$796,528$784,841$876,120
36$884,108$797,854$773,429$905,366
37$935,394$798,056$760,446$933,109
38$990,687$797,043$745,804$962,633
39$1,050,356$794,717$729,407$994,124
40$1,114,808$790,974$711,158$1,027,787
41$1,184,489$785,702$690,952$1,063,849
42$1,259,890$778,785$668,683$1,102,563
43$1,341,552$770,099$644,237$1,144,209
44$1,430,068$759,511$617,496$1,189,098
45$1,526,091$746,883$588,338$1,237,572
46$1,630,337$732,065$556,632$1,290,015
47$1,743,597$714,902$522,245$1,346,847
48$1,866,739$695,228$485,035$1,408,538
49$2,000,718$672,866$444,856$1,475,605
50$2,146,586$647,630$401,553$1,548,623
51$2,305,499$619,325$354,966$1,628,225
52$2,478,729$587,742$304,927$1,715,117
53$2,667,679$552,660$251,261$1,810,074
54$2,873,889$513,847$193,785$1,913,959
55$3,099,056$471,057$132,308$2,027,723
56$3,345,050$424,028$66,630$2,152,419
57$3,613,927$372,487$0$2,289,212
58$3,907,951$316,143$0$2,440,497
59$4,229,615$254,687$0$2,629,423
60$4,581,666$187,797$0$2,836,285
61$4,967,126$115,129$0$3,062,897
62$5,389,323$36,321$0$3,311,262
63$5,851,925$0$0$3,583,583
64$6,358,968$0$0$3,889,843
65$6,914,899$0$0$4,231,836
66$7,524,615$0$0$4,606,986
67$8,193,512$0$0$5,018,622
68$8,927,529$0$0$5,470,410
69$9,733,211$0$0$5,966,386
70$10,617,768$0$0$6,510,998
71$11,589,141$0$0$7,109,146
72$12,656,077$0$0$7,766,227
73$13,828,213$0$0$8,488,187
74$15,116,166$0$0$9,281,576
75$16,531,630$0$0$10,153,609
76$18,087,490$0$0$11,112,237
77$19,797,941$0$0$12,166,219
78$21,678,623$0$0$13,325,203
79$23,746,764$0$0$14,599,821
80$26,021,349$0$0$16,001,788
81$28,523,293$0$0$17,544,007
82$31,275,640$0$0$19,240,700
83$34,303,780$0$0$21,107,531
84$37,635,688$0$0$23,161,765
85$41,302,187$0$0$25,422,420
86$45,337,241$0$0$27,910,454
87$49,778,270$0$0$30,648,958
88$54,666,509$0$0$33,663,376
89$60,047,389$0$0$36,981,744
90$65,970,974$0$0$40,634,953
91$72,492,425$0$0$44,657,044
92$79,672,524$0$0$49,085,523
93$87,578,249$0$0$53,961,722
94$96,283,401$0$0$59,331,181
95$105,869,301$0$0$65,244,084
96$116,425,560$0$0$71,755,728
97$128,050,922$0$0$78,927,048
98$140,854,195$0$0$86,825,188
99$154,955,276$0$0$95,524,136
100$170,486,288$0$0$105,105,426