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%13.2%
1 years$62,678$62,119$61,575$61,043$60,524$59,718
2 years$31,028$30,451$29,891$29,348$28,821$28,010
3 years$20,480$19,900$19,341$18,803$18,285$17,495
4 years$15,207$14,628$14,075$13,547$13,041$12,278
5 years$12,044$11,469$10,923$10,405$9,914$9,179
6 years$9,936$9,365$8,827$8,321$7,844$7,139
7 years$8,431$7,865$7,336$6,841$6,380$5,704
8 years$7,303$6,742$6,221$5,739$5,292$4,647
9 years$6,425$5,870$5,358$4,888$4,457$3,841
10 years$5,724$5,174$4,672$4,214$3,798$3,211
11 years$5,151$4,606$4,113$3,667$3,266$2,708
12 years$4,673$4,134$3,650$3,217$2,830$2,300
13 years$4,269$3,736$3,261$2,840$2,468$1,965
14 years$3,924$3,396$2,930$2,521$2,163$1,687
15 years$3,624$3,102$2,645$2,248$1,905$1,454
16 years$3,363$2,846$2,398$2,013$1,684$1,257
17 years$3,132$2,621$2,182$1,809$1,493$1,090
18 years$2,927$2,422$1,992$1,630$1,327$948
19 years$2,744$2,245$1,824$1,473$1,183$826
20 years$2,580$2,086$1,674$1,334$1,057$721
21 years$2,431$1,943$1,540$1,211$946$630
22 years$2,296$1,814$1,419$1,101$848$551
23 years$2,173$1,696$1,310$1,002$761$483
24 years$2,060$1,589$1,212$914$684$424
25 years$1,957$1,492$1,122$835$615$372
26 years$1,861$1,402$1,041$763$554$327
27 years$1,773$1,319$967$699$500$287
28 years$1,692$1,243$899$640$451$253
29 years$1,616$1,173$836$587$407$222
30 years$1,545$1,108$779$539$368$196
31 years$1,479$1,047$726$495$333$173
32 years$1,417$991$677$455$301$152
33 years$1,359$938$633$418$272$134
34 years$1,305$889$591$385$247$118
35 years$1,254$843$553$354$223$104
36 years$1,205$801$517$326$202$92
37 years$1,160$760$484$301$183$81
38 years$1,117$723$453$277$166$72
39 years$1,076$687$424$255$151$63
40 years$1,038$654$398$236$137$56
41 years$1,001$622$373$217$124$49
42 years$966$593$350$201$113$43
43 years$933$565$328$185$102$38
44 years$902$538$308$171$93$34
45 years$872$513$289$158$84$30
46 years$843$490$272$146$76$26
47 years$816$467$255$135$69$23
48 years$790$446$240$125$63$21
49 years$765$426$226$115$57$18
50 years$741$407$212$106$52$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $759,000, adding $3,286 every year, while hoping to spend $36,839 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: 74/10/16 Blend
34$759,000$759,000$759,000$759,000
35$839,808$799,581$787,816$898,705
36$886,271$799,564$775,011$938,127
37$936,240$798,311$760,543$976,458
38$990,032$795,724$744,317$1,017,479
39$1,047,997$791,696$726,233$1,061,448
40$1,110,519$786,115$706,188$1,108,649
41$1,178,021$778,864$684,074$1,159,398
42$1,250,966$769,815$659,778$1,214,040
43$1,329,864$758,836$633,180$1,272,958
44$1,415,276$745,784$604,158$1,336,573
45$1,507,817$730,511$572,580$1,405,350
46$1,608,166$712,857$538,313$1,479,804
47$1,717,066$692,655$501,214$1,560,500
48$1,835,338$669,726$461,135$1,648,065
49$1,963,882$643,882$417,923$1,743,187
50$2,103,689$614,924$371,415$1,846,627
51$2,255,851$582,641$321,443$1,959,226
52$2,421,568$546,809$267,830$2,081,909
53$2,602,159$507,195$210,394$2,215,698
54$2,799,079$463,547$148,942$2,361,721
55$3,013,927$415,603$83,274$2,521,222
56$3,248,464$363,083$13,180$2,695,573
57$3,504,627$305,695$0$2,886,288
58$3,784,552$243,126$0$3,105,556
59$4,090,585$175,049$0$3,347,784
60$4,425,315$101,116$0$3,612,793
61$4,791,588$20,961$0$3,902,866
62$5,192,539$0$0$4,220,519
63$5,631,623$0$0$4,575,766
64$6,112,640$0$0$4,967,500
65$6,639,779$0$0$5,396,828
66$7,217,651$0$0$5,867,511
67$7,851,335$0$0$6,383,690
68$8,546,425$0$0$6,949,927
69$9,309,084$0$0$7,571,245
70$10,146,099$0$0$8,253,180
71$11,064,944$0$0$9,001,826
72$12,073,856$0$0$9,823,899
73$13,181,906$0$0$10,726,796
74$14,399,088$0$0$11,718,665
75$15,736,410$0$0$12,808,484
76$17,206,000$0$0$14,006,142
77$18,821,219$0$0$15,322,533
78$20,596,787$0$0$16,769,661
79$22,548,921$0$0$18,360,749
80$24,695,487$0$0$20,110,366
81$27,056,170$0$0$22,034,564
82$29,652,658$0$0$24,151,028
83$32,508,845$0$0$26,479,243
84$35,651,059$0$0$29,040,677
85$39,108,308$0$0$31,858,985
86$42,912,553$0$0$34,960,229
87$47,099,010$0$0$38,373,127
88$51,706,480$0$0$42,129,319
89$56,777,719$0$0$46,263,670
90$62,359,835$0$0$50,814,595
91$68,504,737$0$0$55,824,423
92$75,269,621$0$0$61,339,797
93$82,717,512$0$0$67,412,109
94$90,917,854$0$0$74,097,990
95$99,947,171$0$0$81,459,840
96$109,889,783$0$0$89,566,421
97$120,838,603$0$0$98,493,500
98$132,896,015$0$0$108,324,567
99$146,174,836$0$0$119,151,623
100$160,799,386$0$0$131,076,043