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%13.1%
1 years$62,678$62,119$61,575$61,043$60,524$59,743
2 years$31,028$30,451$29,891$29,348$28,821$28,035
3 years$20,480$19,900$19,341$18,803$18,285$17,519
4 years$15,207$14,628$14,075$13,547$13,041$12,301
5 years$12,044$11,469$10,923$10,405$9,914$9,201
6 years$9,936$9,365$8,827$8,321$7,844$7,160
7 years$8,431$7,865$7,336$6,841$6,380$5,724
8 years$7,303$6,742$6,221$5,739$5,292$4,666
9 years$6,425$5,870$5,358$4,888$4,457$3,859
10 years$5,724$5,174$4,672$4,214$3,798$3,228
11 years$5,151$4,606$4,113$3,667$3,266$2,724
12 years$4,673$4,134$3,650$3,217$2,830$2,315
13 years$4,269$3,736$3,261$2,840$2,468$1,979
14 years$3,924$3,396$2,930$2,521$2,163$1,700
15 years$3,624$3,102$2,645$2,248$1,905$1,466
16 years$3,363$2,846$2,398$2,013$1,684$1,269
17 years$3,132$2,621$2,182$1,809$1,493$1,101
18 years$2,927$2,422$1,992$1,630$1,327$958
19 years$2,744$2,245$1,824$1,473$1,183$835
20 years$2,580$2,086$1,674$1,334$1,057$729
21 years$2,431$1,943$1,540$1,211$946$638
22 years$2,296$1,814$1,419$1,101$848$559
23 years$2,173$1,696$1,310$1,002$761$490
24 years$2,060$1,589$1,212$914$684$430
25 years$1,957$1,492$1,122$835$615$378
26 years$1,861$1,402$1,041$763$554$332
27 years$1,773$1,319$967$699$500$292
28 years$1,692$1,243$899$640$451$257
29 years$1,616$1,173$836$587$407$227
30 years$1,545$1,108$779$539$368$200
31 years$1,479$1,047$726$495$333$176
32 years$1,417$991$677$455$301$155
33 years$1,359$938$633$418$272$137
34 years$1,305$889$591$385$247$121
35 years$1,254$843$553$354$223$107
36 years$1,205$801$517$326$202$94
37 years$1,160$760$484$301$183$83
38 years$1,117$723$453$277$166$73
39 years$1,076$687$424$255$151$65
40 years$1,038$654$398$236$137$57
41 years$1,001$622$373$217$124$51
42 years$966$593$350$201$113$45
43 years$933$565$328$185$102$40
44 years$902$538$308$171$93$35
45 years$872$513$289$158$84$31
46 years$843$490$272$146$76$27
47 years$816$467$255$135$69$24
48 years$790$446$240$125$63$21
49 years$765$426$226$115$57$19
50 years$741$407$212$106$52$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $759,000, adding $2,884 every year, while hoping to spend $27,062 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: 51/40/9 Blend
34$759,000$759,000$759,000$759,000
35$839,393$799,166$787,401$880,104
36$896,217$809,531$784,986$918,536
37$957,931$819,497$781,582$957,153
38$1,025,003$829,017$777,128$998,499
39$1,097,952$838,037$771,561$1,042,837
40$1,177,346$846,504$764,811$1,090,457
41$1,263,812$854,359$756,809$1,141,681
42$1,358,038$861,540$747,479$1,196,862
43$1,460,783$867,980$736,744$1,256,392
44$1,572,880$873,609$724,523$1,320,702
45$1,695,250$878,351$710,730$1,390,270
46$1,828,901$882,127$695,276$1,465,621
47$1,974,949$884,850$678,067$1,547,337
48$2,134,617$886,432$659,006$1,636,060
49$2,309,256$886,775$637,991$1,732,498
50$2,500,351$885,777$614,914$1,837,433
51$2,709,537$883,331$589,664$1,951,729
52$2,938,616$879,320$562,124$2,076,339
53$3,189,571$873,623$532,171$2,212,315
54$3,464,586$866,110$499,678$2,360,820
55$3,766,069$856,643$464,512$2,523,134
56$4,096,667$845,078$426,532$2,700,674
57$4,459,300$831,260$385,594$2,895,000
58$4,857,182$815,025$341,545$3,107,838
59$5,293,853$796,200$294,225$3,341,090
60$5,773,214$774,602$243,470$3,596,855
61$6,299,560$750,036$189,105$3,877,450
62$6,877,625$722,297$130,949$4,185,432
63$7,512,620$691,167$68,813$4,523,622
64$8,210,289$656,416$2,500$4,895,133
65$8,976,960$617,801$0$5,303,400
66$9,819,601$575,065$0$5,758,767
67$10,745,891$527,934$0$6,259,543
68$11,764,291$476,122$0$6,810,120
69$12,884,121$419,325$0$7,415,610
70$14,115,650$357,220$0$8,081,648
71$15,470,191$289,468$0$8,814,451
72$16,960,210$215,711$0$9,620,873
73$18,599,440$135,570$0$10,508,475
74$20,403,014$48,645$0$11,485,594
75$22,387,606$0$0$12,561,422
76$24,571,586$0$0$13,766,119
77$26,975,196$0$0$15,115,622
78$29,620,739$0$0$16,601,054
79$32,532,791$0$0$18,236,224
80$35,738,430$0$0$20,036,350
81$39,267,494$0$0$22,018,199
82$43,152,861$0$0$24,200,249
83$47,430,758$0$0$26,602,858
84$52,141,103$0$0$29,248,460
85$57,327,885$0$0$32,161,775
86$63,039,573$0$0$35,370,043
87$69,329,577$0$0$38,903,278
88$76,256,751$0$0$42,794,556
89$83,885,945$0$0$47,080,323
90$92,288,625$0$0$51,800,741
91$101,543,537$0$0$57,000,066
92$111,737,456$0$0$62,727,066
93$122,966,004$0$0$69,035,478
94$135,334,550$0$0$75,984,522
95$148,959,208$0$0$83,639,451
96$163,967,928$0$0$92,072,176
97$180,501,705$0$0$101,361,936
98$198,715,914$0$0$111,596,051
99$218,781,767$0$0$122,870,744
100$240,887,937$0$0$135,292,051