Can I retire at age 35 with 758,000?

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 $758,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$62,595$62,037$61,493$60,962$60,444$58,935
2 years$30,988$30,410$29,851$29,309$28,783$27,272
3 years$20,453$19,874$19,316$18,778$18,261$16,796
4 years$15,187$14,609$14,057$13,529$13,024$11,615
5 years$12,028$11,454$10,909$10,391$9,901$8,553
6 years$9,923$9,353$8,816$8,310$7,834$6,548
7 years$8,420$7,855$7,326$6,832$6,371$5,148
8 years$7,293$6,733$6,213$5,731$5,285$4,123
9 years$6,417$5,862$5,351$4,882$4,451$3,350
10 years$5,717$5,167$4,665$4,208$3,793$2,751
11 years$5,144$4,600$4,107$3,662$3,262$2,278
12 years$4,667$4,129$3,645$3,212$2,827$1,899
13 years$4,264$3,731$3,257$2,836$2,465$1,591
14 years$3,919$3,392$2,926$2,518$2,161$1,339
15 years$3,620$3,098$2,642$2,245$1,902$1,131
16 years$3,358$2,843$2,395$2,010$1,681$959
17 years$3,128$2,618$2,180$1,806$1,491$814
18 years$2,923$2,419$1,990$1,628$1,326$693
19 years$2,741$2,242$1,821$1,471$1,181$591
20 years$2,576$2,083$1,672$1,332$1,055$505
21 years$2,428$1,941$1,538$1,209$944$432
22 years$2,293$1,811$1,417$1,099$847$369
23 years$2,170$1,694$1,308$1,001$760$316
24 years$2,058$1,587$1,210$913$683$271
25 years$1,954$1,490$1,121$834$615$233
26 years$1,859$1,400$1,040$762$554$200
27 years$1,771$1,318$965$698$499$172
28 years$1,689$1,242$897$639$450$147
29 years$1,614$1,171$835$586$407$127
30 years$1,543$1,106$778$538$367$109
31 years$1,477$1,046$725$494$332$94
32 years$1,415$989$677$454$301$81
33 years$1,357$937$632$418$272$69
34 years$1,303$888$590$384$246$60
35 years$1,252$842$552$354$223$51
36 years$1,204$799$516$326$202$44
37 years$1,158$759$483$300$183$38
38 years$1,115$722$452$277$166$33
39 years$1,075$686$424$255$151$28
40 years$1,036$653$397$235$137$24
41 years$1,000$621$373$217$124$21
42 years$965$592$349$200$112$18
43 years$932$564$328$185$102$15
44 years$901$538$308$171$93$13
45 years$871$513$289$158$84$11
46 years$842$489$271$146$76$10
47 years$815$467$255$135$69$9
48 years$789$445$240$124$63$7
49 years$764$425$225$115$57$6
50 years$740$406$212$106$52$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $758,000, adding $4,022 every year, while hoping to spend $23,222 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: 36/42/22 Blend
34$758,000$758,000$758,000$758,000
35$839,465$799,291$787,542$863,979
36$900,382$813,748$789,216$896,763
37$966,735$828,135$790,169$929,692
38$1,039,052$842,425$790,350$964,770
39$1,117,919$856,586$789,710$1,002,205
40$1,203,975$870,588$788,194$1,042,225
41$1,297,928$884,394$785,745$1,085,081
42$1,400,555$897,968$782,307$1,131,052
43$1,512,713$911,269$777,815$1,180,447
44$1,635,343$924,255$772,206$1,233,606
45$1,769,485$936,881$765,411$1,290,905
46$1,916,280$949,095$757,360$1,352,759
47$2,076,987$960,848$747,978$1,419,628
48$2,252,992$972,081$737,187$1,492,019
49$2,445,819$982,735$724,905$1,570,492
50$2,657,150$992,747$711,047$1,655,667
51$2,888,836$1,002,048$695,524$1,748,227
52$3,142,914$1,010,565$678,241$1,848,928
53$3,421,630$1,018,221$659,100$1,958,604
54$3,727,456$1,024,934$638,000$2,078,176
55$4,063,116$1,030,615$614,832$2,208,663
56$4,431,611$1,035,172$589,486$2,351,187
57$4,836,244$1,038,505$561,843$2,506,990
58$5,280,658$1,040,508$531,782$2,677,442
59$5,768,862$1,041,070$499,173$2,864,055
60$6,305,274$1,040,071$463,884$3,068,499
61$6,894,762$1,037,384$425,774$3,292,618
62$7,542,688$1,032,876$384,698$3,538,447
63$8,254,959$1,026,404$340,502$3,808,232
64$9,038,084$1,017,817$293,028$4,104,452
65$9,899,232$1,006,954$242,108$4,429,843
66$10,846,305$993,645$187,569$4,787,425
67$11,888,005$977,711$129,230$5,180,532
68$13,033,924$958,961$66,902$5,612,839
69$14,294,626$937,192$385$6,088,406
70$15,681,754$912,191$0$6,611,710
71$17,208,135$883,730$0$7,204,262
72$18,887,902$851,570$0$7,856,116
73$20,736,629$815,458$0$8,573,245
74$22,771,474$775,124$0$9,362,340
75$25,011,344$730,285$0$10,230,774
76$27,477,071$680,639$0$11,186,680
77$30,191,612$625,870$0$12,239,025
78$33,180,260$565,641$0$13,397,694
79$36,470,887$499,598$0$14,673,589
80$40,094,205$427,366$0$16,078,727
81$44,084,055$348,547$0$17,626,358
82$48,477,726$262,725$0$19,331,093
83$53,316,311$169,455$0$21,209,036
84$58,645,088$68,271$0$23,277,945
85$64,513,952$0$0$25,557,396
86$70,977,882$0$0$28,088,067
87$78,097,463$0$0$30,910,334
88$85,939,457$0$0$34,019,126
89$94,577,430$0$0$37,443,627
90$104,092,448$0$0$41,215,996
91$114,573,845$0$0$45,371,669
92$126,120,058$0$0$49,949,698
93$138,839,565$0$0$54,993,115
94$152,851,903$0$0$60,549,339
95$168,288,797$0$0$66,670,626
96$185,295,402$0$0$73,414,560
97$204,031,678$0$0$80,844,596
98$224,673,892$0$0$89,030,662
99$247,416,288$0$0$98,049,813
100$272,472,916$0$0$107,986,966