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%17.1%
1 years$62,595$62,037$61,493$60,962$60,444$58,697
2 years$30,988$30,410$29,851$29,309$28,783$27,037
3 years$20,453$19,874$19,316$18,778$18,261$16,571
4 years$15,187$14,609$14,057$13,529$13,024$11,402
5 years$12,028$11,454$10,909$10,391$9,901$8,352
6 years$9,923$9,353$8,816$8,310$7,834$6,359
7 years$8,420$7,855$7,326$6,832$6,371$4,971
8 years$7,293$6,733$6,213$5,731$5,285$3,959
9 years$6,417$5,862$5,351$4,882$4,451$3,196
10 years$5,717$5,167$4,665$4,208$3,793$2,608
11 years$5,144$4,600$4,107$3,662$3,262$2,146
12 years$4,667$4,129$3,645$3,212$2,827$1,777
13 years$4,264$3,731$3,257$2,836$2,465$1,479
14 years$3,919$3,392$2,926$2,518$2,161$1,237
15 years$3,620$3,098$2,642$2,245$1,902$1,037
16 years$3,358$2,843$2,395$2,010$1,681$873
17 years$3,128$2,618$2,180$1,806$1,491$736
18 years$2,923$2,419$1,990$1,628$1,326$622
19 years$2,741$2,242$1,821$1,471$1,181$526
20 years$2,576$2,083$1,672$1,332$1,055$446
21 years$2,428$1,941$1,538$1,209$944$378
22 years$2,293$1,811$1,417$1,099$847$321
23 years$2,170$1,694$1,308$1,001$760$273
24 years$2,058$1,587$1,210$913$683$232
25 years$1,954$1,490$1,121$834$615$198
26 years$1,859$1,400$1,040$762$554$168
27 years$1,771$1,318$965$698$499$143
28 years$1,689$1,242$897$639$450$122
29 years$1,614$1,171$835$586$407$104
30 years$1,543$1,106$778$538$367$89
31 years$1,477$1,046$725$494$332$76
32 years$1,415$989$677$454$301$65
33 years$1,357$937$632$418$272$55
34 years$1,303$888$590$384$246$47
35 years$1,252$842$552$354$223$40
36 years$1,204$799$516$326$202$34
37 years$1,158$759$483$300$183$29
38 years$1,115$722$452$277$166$25
39 years$1,075$686$424$255$151$21
40 years$1,036$653$397$235$137$18
41 years$1,000$621$373$217$124$16
42 years$965$592$349$200$112$13
43 years$932$564$328$185$102$11
44 years$901$538$308$171$93$10
45 years$871$513$289$158$84$8
46 years$842$489$271$146$76$7
47 years$815$467$255$135$69$6
48 years$789$445$240$124$63$5
49 years$764$425$225$115$57$4
50 years$740$406$212$106$52$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $758,000, adding $4,165 every year, while hoping to spend $26,254 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: 46/40/14 Blend
34$758,000$758,000$758,000$758,000
35$839,612$799,438$787,689$874,725
36$897,319$810,677$786,143$910,765
37$960,031$821,586$783,665$946,837
38$1,028,233$832,122$780,196$985,393
39$1,102,455$842,238$775,674$1,026,675
40$1,183,281$851,884$770,036$1,070,948
41$1,271,356$861,007$763,212$1,118,506
42$1,367,387$869,549$755,133$1,169,675
43$1,472,154$877,450$745,723$1,224,812
44$1,586,513$884,644$734,904$1,284,315
45$1,711,409$891,064$722,595$1,348,620
46$1,847,882$896,634$708,711$1,418,212
47$1,997,075$901,278$693,161$1,493,625
48$2,160,247$904,912$675,853$1,575,449
49$2,338,787$907,447$656,689$1,664,336
50$2,534,221$908,790$635,565$1,761,006
51$2,748,230$908,840$612,376$1,866,254
52$2,982,668$907,491$587,009$1,980,959
53$3,239,573$904,631$559,346$2,106,089
54$3,521,191$900,140$529,267$2,242,717
55$3,829,997$893,891$496,641$2,392,023
56$4,168,715$885,749$461,337$2,555,315
57$4,540,346$875,573$423,213$2,734,032
58$4,948,195$863,210$382,125$2,929,767
59$5,395,904$848,501$337,919$3,144,276
60$5,887,484$831,275$290,437$3,379,497
61$6,427,353$811,352$239,512$3,637,571
62$7,020,377$788,543$184,970$3,920,861
63$7,671,919$762,646$126,631$4,231,973
64$8,387,886$733,446$64,304$4,573,786
65$9,174,785$700,719$0$4,949,474
66$10,039,784$664,225$0$5,362,872
67$10,990,781$623,712$0$5,827,788
68$12,036,480$578,913$0$6,338,906
69$13,186,465$529,544$0$6,900,968
70$14,451,301$475,308$0$7,519,201
71$15,842,623$415,888$0$8,199,372
72$17,373,256$350,951$0$8,947,841
73$19,057,325$280,145$0$9,771,622
74$20,910,398$203,098$0$10,678,449
75$22,949,624$119,416$0$11,676,850
76$25,193,902$28,683$0$12,776,232
77$27,664,055$0$0$13,986,964
78$30,383,024$0$0$15,351,092
79$33,376,091$0$0$16,866,741
80$36,671,112$0$0$18,535,407
81$40,298,781$0$0$20,372,646
82$44,292,920$0$0$22,395,603
83$48,690,796$0$0$24,623,168
84$53,533,475$0$0$27,076,155
85$58,866,208$0$0$29,777,501
86$64,738,859$0$0$32,752,482
87$71,206,370$0$0$36,028,948
88$78,329,289$0$0$39,637,588
89$86,174,332$0$0$43,612,220
90$94,815,015$0$0$47,990,110
91$104,332,352$0$0$52,812,323
92$114,815,613$0$0$58,124,108
93$126,363,169$0$0$63,975,332
94$139,083,421$0$0$70,420,940
95$153,095,822$0$0$77,521,485
96$168,532,003$0$0$85,343,690
97$185,537,018$0$0$93,961,082
98$204,270,709$0$0$103,454,688
99$224,909,217$0$0$113,913,792
100$247,646,645$0$0$125,436,788