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%19.8%
1 years$62,595$62,037$61,493$60,962$60,444$58,069
2 years$30,988$30,410$29,851$29,309$28,783$26,419
3 years$20,453$19,874$19,316$18,778$18,261$15,983
4 years$15,187$14,609$14,057$13,529$13,024$10,849
5 years$12,028$11,454$10,909$10,391$9,901$7,834
6 years$9,923$9,353$8,816$8,310$7,834$5,877
7 years$8,420$7,855$7,326$6,832$6,371$4,524
8 years$7,293$6,733$6,213$5,731$5,285$3,546
9 years$6,417$5,862$5,351$4,882$4,451$2,816
10 years$5,717$5,167$4,665$4,208$3,793$2,259
11 years$5,144$4,600$4,107$3,662$3,262$1,826
12 years$4,667$4,129$3,645$3,212$2,827$1,486
13 years$4,264$3,731$3,257$2,836$2,465$1,214
14 years$3,919$3,392$2,926$2,518$2,161$996
15 years$3,620$3,098$2,642$2,245$1,902$820
16 years$3,358$2,843$2,395$2,010$1,681$676
17 years$3,128$2,618$2,180$1,806$1,491$559
18 years$2,923$2,419$1,990$1,628$1,326$463
19 years$2,741$2,242$1,821$1,471$1,181$384
20 years$2,576$2,083$1,672$1,332$1,055$319
21 years$2,428$1,941$1,538$1,209$944$265
22 years$2,293$1,811$1,417$1,099$847$220
23 years$2,170$1,694$1,308$1,001$760$183
24 years$2,058$1,587$1,210$913$683$153
25 years$1,954$1,490$1,121$834$615$127
26 years$1,859$1,400$1,040$762$554$106
27 years$1,771$1,318$965$698$499$88
28 years$1,689$1,242$897$639$450$74
29 years$1,614$1,171$835$586$407$61
30 years$1,543$1,106$778$538$367$51
31 years$1,477$1,046$725$494$332$43
32 years$1,415$989$677$454$301$36
33 years$1,357$937$632$418$272$30
34 years$1,303$888$590$384$246$25
35 years$1,252$842$552$354$223$21
36 years$1,204$799$516$326$202$17
37 years$1,158$759$483$300$183$14
38 years$1,115$722$452$277$166$12
39 years$1,075$686$424$255$151$10
40 years$1,036$653$397$235$137$8
41 years$1,000$621$373$217$124$7
42 years$965$592$349$200$112$6
43 years$932$564$328$185$102$5
44 years$901$538$308$171$93$4
45 years$871$513$289$158$84$3
46 years$842$489$271$146$76$3
47 years$815$467$255$135$69$2
48 years$789$445$240$124$63$2
49 years$764$425$225$115$57$2
50 years$740$406$212$106$52$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $758,000, adding $5,361 every year, while hoping to spend $36,570 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: 76/6/18 Blend
34$758,000$758,000$758,000$758,000
35$840,846$800,672$788,923$900,905
36$887,702$800,995$776,442$941,690
37$938,112$800,107$762,317$981,331
38$992,399$797,913$746,454$1,023,818
39$1,050,919$794,306$728,756$1,069,424
40$1,114,064$789,178$709,120$1,118,449
41$1,182,261$782,410$687,438$1,171,226
42$1,255,984$773,880$663,599$1,228,122
43$1,335,749$763,456$637,485$1,289,541
44$1,422,128$750,998$608,974$1,355,929
45$1,515,747$736,358$577,936$1,427,777
46$1,617,295$719,381$544,238$1,505,628
47$1,727,529$699,901$507,740$1,590,080
48$1,847,283$677,742$468,295$1,681,793
49$1,977,473$652,719$425,751$1,781,495
50$2,119,109$624,636$379,947$1,889,988
51$2,273,300$593,284$330,717$2,008,157
52$2,441,266$558,445$277,886$2,136,980
53$2,624,351$519,885$221,271$2,277,533
54$2,824,035$477,360$160,684$2,431,004
55$3,041,945$430,608$95,924$2,598,703
56$3,279,871$379,356$26,786$2,782,075
57$3,539,788$323,314$0$2,982,714
58$3,823,864$262,175$0$3,211,402
59$4,134,492$195,615$0$3,467,128
60$4,474,303$123,292$0$3,746,925
61$4,846,194$44,846$0$4,053,197
62$5,253,356$0$0$4,388,592
63$5,699,304$0$0$4,758,675
64$6,187,907$0$0$5,167,430
65$6,723,427$0$0$5,615,464
66$7,310,556$0$0$6,106,707
67$7,954,466$0$0$6,645,489
68$8,660,848$0$0$7,236,577
69$9,435,974$0$0$7,885,224
70$10,286,753$0$0$8,597,214
71$11,220,793$0$0$9,378,919
72$12,246,475$0$0$10,237,359
73$13,373,034$0$0$11,180,267
74$14,610,641$0$0$12,216,159
75$15,970,500$0$0$13,354,422
76$17,464,957$0$0$14,605,392
77$19,107,611$0$0$15,980,459
78$20,913,444$0$0$17,492,170
79$22,898,963$0$0$19,154,349
80$25,082,353$0$0$20,982,226
81$27,483,653$0$0$22,992,583
82$30,124,935$0$0$25,203,906
83$33,030,525$0$0$27,636,566
84$36,227,219$0$0$30,313,005
85$39,744,544$0$0$33,257,953
86$43,615,035$0$0$36,498,656
87$47,874,536$0$0$40,065,135
88$52,562,546$0$0$43,990,469
89$57,722,585$0$0$48,311,105
90$63,402,605$0$0$53,067,205
91$69,655,445$0$0$58,303,021
92$76,539,327$0$0$64,067,313
93$84,118,404$0$0$70,413,811
94$92,463,367$0$0$77,401,718
95$101,652,110$0$0$85,096,270
96$111,770,465$0$0$93,569,354
97$122,913,013$0$0$102,900,180
98$135,183,972$0$0$113,176,034
99$148,698,185$0$0$124,493,095
100$163,582,200$0$0$136,957,349