Can I retire at age 35 with 757,000?

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 $757,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$62,512$61,956$61,412$60,882$60,364$60,059
2 years$30,947$30,370$29,812$29,270$28,745$28,437
3 years$20,426$19,847$19,290$18,754$18,237$17,936
4 years$15,167$14,590$14,038$13,511$13,007$12,715
5 years$12,012$11,439$10,894$10,378$9,888$9,605
6 years$9,910$9,341$8,804$8,299$7,824$7,552
7 years$8,409$7,844$7,316$6,823$6,363$6,101
8 years$7,283$6,724$6,205$5,724$5,278$5,028
9 years$6,408$5,854$5,344$4,875$4,445$4,205
10 years$5,709$5,160$4,659$4,203$3,788$3,557
11 years$5,137$4,594$4,102$3,658$3,257$3,037
12 years$4,661$4,123$3,640$3,208$2,823$2,612
13 years$4,258$3,726$3,252$2,832$2,462$2,261
14 years$3,913$3,387$2,922$2,514$2,158$1,967
15 years$3,615$3,094$2,638$2,242$1,900$1,718
16 years$3,354$2,839$2,392$2,008$1,679$1,506
17 years$3,124$2,614$2,177$1,804$1,489$1,325
18 years$2,919$2,416$1,987$1,626$1,324$1,168
19 years$2,737$2,239$1,819$1,469$1,180$1,032
20 years$2,573$2,081$1,669$1,330$1,054$914
21 years$2,425$1,938$1,536$1,207$943$811
22 years$2,290$1,809$1,415$1,098$845$721
23 years$2,167$1,692$1,307$1,000$759$641
24 years$2,055$1,585$1,209$912$682$571
25 years$1,952$1,488$1,119$833$614$509
26 years$1,857$1,398$1,038$761$553$454
27 years$1,769$1,316$964$697$498$406
28 years$1,687$1,240$896$639$450$363
29 years$1,611$1,170$834$586$406$325
30 years$1,541$1,105$777$537$367$290
31 years$1,475$1,044$724$494$332$260
32 years$1,413$988$676$454$300$233
33 years$1,356$936$631$417$272$209
34 years$1,301$887$589$384$246$187
35 years$1,250$841$551$353$223$168
36 years$1,202$798$516$325$202$151
37 years$1,157$758$483$300$183$135
38 years$1,114$721$452$276$166$121
39 years$1,073$685$423$255$150$109
40 years$1,035$652$397$235$136$98
41 years$998$621$372$217$124$88
42 years$964$591$349$200$112$79
43 years$931$563$328$185$102$71
44 years$899$537$307$171$92$64
45 years$870$512$289$158$84$57
46 years$841$488$271$146$76$51
47 years$814$466$255$134$69$46
48 years$788$445$239$124$63$41
49 years$763$425$225$115$57$37
50 years$739$406$212$106$52$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $757,000, adding $2,125 every year, while hoping to spend $31,967 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: 33/50/17 Blend
34$757,000$757,000$757,000$757,000
35$836,406$796,285$784,551$859,521
36$887,707$801,290$776,821$881,756
37$943,169$805,469$767,761$902,593
38$1,003,183$808,748$757,292$924,369
39$1,068,178$811,048$745,332$947,183
40$1,138,627$812,284$731,795$971,148
41$1,215,050$812,368$716,592$996,390
42$1,298,016$811,205$699,629$1,023,051
43$1,388,154$808,695$680,807$1,051,289
44$1,486,154$804,730$660,024$1,081,282
45$1,592,778$799,198$637,171$1,113,228
46$1,708,862$791,978$612,136$1,147,348
47$1,835,324$782,944$584,801$1,183,890
48$1,973,179$771,960$555,044$1,223,129
49$2,123,541$758,884$522,735$1,265,374
50$2,287,636$743,563$487,740$1,310,967
51$2,466,815$725,837$449,920$1,360,291
52$2,662,564$705,537$409,126$1,413,771
53$2,876,519$682,483$365,206$1,471,882
54$3,110,483$656,483$317,999$1,535,150
55$3,366,439$627,338$267,339$1,604,163
56$3,646,571$594,832$213,050$1,679,572
57$3,953,284$558,742$154,950$1,762,101
58$4,289,227$518,828$92,849$1,852,556
59$4,657,317$474,839$26,547$1,951,830
60$5,060,765$426,508$0$2,060,914
61$5,503,110$373,554$0$2,188,930
62$5,988,247$315,678$0$2,334,739
63$6,520,469$252,567$0$2,494,916
64$7,104,502$183,887$0$2,671,007
65$7,745,553$109,290$0$2,864,720
66$8,449,357$28,403$0$3,077,946
67$9,222,233$0$0$3,312,777
68$10,071,141$0$0$3,604,080
69$11,003,746$0$0$3,941,392
70$12,028,496$0$0$4,312,155
71$13,154,694$0$0$4,719,752
72$14,392,593$0$0$5,167,907
73$15,753,485$0$0$5,660,727
74$17,249,813$0$0$6,202,734
75$18,895,285$0$0$6,798,910
76$20,705,003$0$0$7,454,747
77$22,695,608$0$0$8,176,294
78$24,885,434$0$0$8,970,214
79$27,294,681$0$0$9,843,853
80$29,945,605$0$0$10,805,301
81$32,862,730$0$0$11,863,474
82$36,073,075$0$0$13,028,195
83$39,606,414$0$0$14,310,290
84$43,495,551$0$0$15,721,685
85$47,776,632$0$0$17,275,521
86$52,489,486$0$0$18,986,282
87$57,678,000$0$0$20,869,922
88$63,390,532$0$0$22,944,026
89$69,680,368$0$0$25,227,968
90$76,606,223$0$0$27,743,096
91$84,232,796$0$0$30,512,937
92$92,631,381$0$0$33,563,413
93$101,880,537$0$0$36,923,089
94$112,066,831$0$0$40,623,443
95$123,285,654$0$0$44,699,160
96$135,642,118$0$0$49,188,462
97$149,252,053$0$0$54,133,468
98$164,243,096$0$0$59,580,590
99$180,755,897$0$0$65,580,971
100$198,945,444$0$0$72,190,971