Can I retire at age 35 with 759,000?

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 $759,000?

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 years$62,678$62,119$61,575$61,043$60,524$58,798
2 years$31,028$30,451$29,891$29,348$28,821$27,096
3 years$20,480$19,900$19,341$18,803$18,285$16,615
4 years$15,207$14,628$14,075$13,547$13,041$11,438
5 years$12,044$11,469$10,923$10,405$9,914$8,383
6 years$9,936$9,365$8,827$8,321$7,844$6,386
7 years$8,431$7,865$7,336$6,841$6,380$4,995
8 years$7,303$6,742$6,221$5,739$5,292$3,980
9 years$6,425$5,870$5,358$4,888$4,457$3,216
10 years$5,724$5,174$4,672$4,214$3,798$2,626
11 years$5,151$4,606$4,113$3,667$3,266$2,162
12 years$4,673$4,134$3,650$3,217$2,830$1,791
13 years$4,269$3,736$3,261$2,840$2,468$1,492
14 years$3,924$3,396$2,930$2,521$2,163$1,248
15 years$3,624$3,102$2,645$2,248$1,905$1,048
16 years$3,363$2,846$2,398$2,013$1,684$882
17 years$3,132$2,621$2,182$1,809$1,493$744
18 years$2,927$2,422$1,992$1,630$1,327$629
19 years$2,744$2,245$1,824$1,473$1,183$533
20 years$2,580$2,086$1,674$1,334$1,057$452
21 years$2,431$1,943$1,540$1,211$946$384
22 years$2,296$1,814$1,419$1,101$848$326
23 years$2,173$1,696$1,310$1,002$761$278
24 years$2,060$1,589$1,212$914$684$236
25 years$1,957$1,492$1,122$835$615$201
26 years$1,861$1,402$1,041$763$554$172
27 years$1,773$1,319$967$699$500$146
28 years$1,692$1,243$899$640$451$125
29 years$1,616$1,173$836$587$407$106
30 years$1,545$1,108$779$539$368$91
31 years$1,479$1,047$726$495$333$78
32 years$1,417$991$677$455$301$66
33 years$1,359$938$633$418$272$57
34 years$1,305$889$591$385$247$48
35 years$1,254$843$553$354$223$41
36 years$1,205$801$517$326$202$35
37 years$1,160$760$484$301$183$30
38 years$1,117$723$453$277$166$26
39 years$1,076$687$424$255$151$22
40 years$1,038$654$398$236$137$19
41 years$1,001$622$373$217$124$16
42 years$966$593$350$201$113$14
43 years$933$565$328$185$102$12
44 years$902$538$308$171$93$10
45 years$872$513$289$158$84$9
46 years$843$490$272$146$76$7
47 years$816$467$255$135$69$6
48 years$790$446$240$125$63$5
49 years$765$426$226$115$57$5
50 years$741$407$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 $759,000, adding $6,843 every year, while hoping to spend $21,704 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: 51/34/15 Blend
34$759,000$759,000$759,000$759,000
35$843,477$803,250$791,485$882,717
36$906,418$819,516$794,907$926,646
37$975,053$835,852$797,716$971,536
38$1,049,937$852,238$799,869$1,019,856
39$1,131,686$868,653$801,320$1,071,937
40$1,220,975$885,074$802,021$1,128,143
41$1,318,548$901,476$801,922$1,188,877
42$1,425,224$917,833$800,971$1,254,579
43$1,541,905$934,114$799,111$1,325,740
44$1,669,583$950,290$796,285$1,402,895
45$1,809,353$966,326$792,433$1,486,639
46$1,962,417$982,186$787,489$1,577,625
47$2,130,102$997,831$781,388$1,676,575
48$2,313,867$1,013,220$774,060$1,784,283
49$2,515,321$1,028,307$765,431$1,901,625
50$2,736,235$1,043,046$755,424$2,029,568
51$2,978,559$1,057,383$743,958$2,169,178
52$3,244,442$1,071,264$730,951$2,321,629
53$3,536,250$1,084,631$716,312$2,488,218
54$3,856,590$1,097,421$699,951$2,670,371
55$4,208,333$1,109,565$681,771$2,869,665
56$4,594,643$1,120,994$661,670$3,087,835
57$5,019,004$1,131,630$639,543$3,326,797
58$5,485,254$1,141,392$615,280$3,588,663
59$5,997,623$1,150,193$588,765$3,875,759
60$6,560,769$1,157,941$559,877$4,190,652
61$7,179,824$1,164,537$528,490$4,536,174
62$7,860,444$1,169,877$494,472$4,915,443
63$8,608,858$1,173,850$457,685$5,331,900
64$9,431,929$1,176,336$417,986$5,789,339
65$10,337,220$1,177,211$375,223$6,291,941
66$11,333,063$1,176,340$329,239$6,844,317
67$12,428,637$1,173,583$279,870$7,451,551
68$13,634,057$1,168,787$226,945$8,119,247
69$14,960,468$1,161,795$170,284$8,853,583
70$16,420,148$1,152,435$109,701$9,661,371
71$18,026,627$1,140,529$45,000$10,550,122
72$19,794,814$1,125,885$0$11,528,114
73$21,741,134$1,108,303$0$12,608,323
74$23,883,686$1,087,567$0$13,804,898
75$26,242,416$1,063,451$0$15,121,758
76$28,839,297$1,035,715$0$16,571,167
77$31,698,546$1,004,105$0$18,166,643
78$34,846,843$968,351$0$19,923,086
79$38,313,590$928,170$0$21,856,919
80$42,131,186$883,260$0$23,986,242
81$46,335,328$833,301$0$26,331,004
82$50,965,357$777,958$0$28,913,195
83$56,064,618$716,873$0$31,757,049
84$61,680,880$649,670$0$34,889,278
85$67,866,776$575,951$0$38,339,321
86$74,680,310$495,295$0$42,139,626
87$82,185,394$407,257$0$46,325,954
88$90,452,459$311,367$0$50,937,722
89$99,559,115$207,129$0$56,018,371
90$109,590,886$94,020$0$61,615,780
91$120,642,016$0$0$67,782,717
92$132,816,355$0$0$74,588,009
93$146,228,346$0$0$82,124,006
94$161,004,099$0$0$90,426,409
95$177,282,583$0$0$99,573,317
96$195,216,939$0$0$109,650,798
97$214,975,922$0$0$120,753,694
98$236,745,498$0$0$132,986,518
99$260,730,594$0$0$146,464,442
100$287,157,037$0$0$161,314,384