Can I retire at age 35 with 710,000?

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 $710,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$58,631$58,109$57,599$57,102$56,616$56,189
2 years$29,025$28,485$27,961$27,453$26,960$26,529
3 years$19,158$18,615$18,093$17,589$17,105$16,684
4 years$14,225$13,684$13,167$12,672$12,199$11,791
5 years$11,266$10,728$10,218$9,733$9,274$8,880
6 years$9,295$8,761$8,258$7,784$7,338$6,959
7 years$7,887$7,357$6,862$6,400$5,968$5,604
8 years$6,831$6,306$5,820$5,368$4,951$4,602
9 years$6,011$5,491$5,012$4,573$4,169$3,835
10 years$5,355$4,840$4,370$3,942$3,552$3,233
11 years$4,818$4,309$3,847$3,430$3,055$2,750
12 years$4,372$3,867$3,414$3,009$2,648$2,357
13 years$3,994$3,495$3,050$2,656$2,309$2,032
14 years$3,670$3,177$2,741$2,358$2,024$1,760
15 years$3,390$2,902$2,475$2,103$1,782$1,532
16 years$3,146$2,663$2,244$1,883$1,575$1,337
17 years$2,930$2,452$2,042$1,692$1,396$1,171
18 years$2,738$2,266$1,864$1,525$1,242$1,029
19 years$2,567$2,100$1,706$1,378$1,107$905
20 years$2,413$1,951$1,566$1,248$989$798
21 years$2,274$1,818$1,440$1,132$885$705
22 years$2,148$1,697$1,327$1,030$793$624
23 years$2,033$1,587$1,226$938$712$552
24 years$1,927$1,487$1,133$855$640$490
25 years$1,830$1,395$1,050$781$576$435
26 years$1,741$1,311$974$714$519$386
27 years$1,659$1,234$904$654$468$343
28 years$1,582$1,163$841$599$422$305
29 years$1,511$1,097$782$549$381$272
30 years$1,445$1,036$729$504$344$242
31 years$1,383$979$679$463$311$216
32 years$1,326$927$634$425$281$192
33 years$1,272$878$592$391$255$171
34 years$1,221$832$553$360$231$153
35 years$1,173$789$517$331$209$136
36 years$1,128$749$484$305$189$122
37 years$1,085$711$453$281$172$109
38 years$1,045$676$424$259$156$97
39 years$1,007$643$397$239$141$87
40 years$971$612$372$220$128$77
41 years$936$582$349$203$116$69
42 years$904$554$327$188$105$62
43 years$873$528$307$173$96$55
44 years$844$503$288$160$87$49
45 years$816$480$271$148$79$44
46 years$789$458$254$136$72$39
47 years$763$437$239$126$65$35
48 years$739$417$225$117$59$32
49 years$716$398$211$108$54$28
50 years$693$381$198$100$49$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $710,000, adding $3,417 every year, while hoping to spend $37,979 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: 77/15/8 Blend
34$710,000$710,000$710,000$710,000
35$785,945$748,315$737,310$845,301
36$825,702$744,573$721,600$881,040
37$868,241$739,374$704,091$914,984
38$913,806$732,609$684,683$951,095
39$962,665$724,157$663,271$989,573
40$1,015,110$713,894$639,744$1,030,639
41$1,071,464$701,687$613,987$1,074,534
42$1,132,079$687,396$585,882$1,121,528
43$1,197,344$670,871$555,302$1,171,915
44$1,267,684$651,955$522,115$1,226,021
45$1,343,568$630,480$486,186$1,284,206
46$1,425,509$606,271$447,371$1,346,867
47$1,514,072$579,140$405,519$1,414,441
48$1,609,878$548,888$360,475$1,487,410
49$1,713,610$515,308$312,075$1,566,309
50$1,826,017$478,177$260,148$1,651,724
51$1,947,925$437,262$204,517$1,744,304
52$2,080,241$392,315$144,996$1,844,765
53$2,223,962$343,075$81,390$1,953,897
54$2,380,186$289,266$13,496$2,072,570
55$2,550,120$230,595$0$2,201,746
56$2,735,093$166,755$0$2,347,518
57$2,936,567$97,420$0$2,507,580
58$3,156,149$22,246$0$2,682,090
59$3,395,611$0$0$2,872,493
60$3,656,899$0$0$3,090,142
61$3,942,160$0$0$3,331,791
62$4,253,753$0$0$3,595,772
63$4,594,278$0$0$3,884,289
64$4,966,596$0$0$4,199,770
65$5,373,856$0$0$4,544,887
66$5,819,529$0$0$4,922,584
67$6,307,432$0$0$5,336,101
68$6,841,772$0$0$5,789,006
69$7,427,181$0$0$6,285,228
70$8,068,760$0$0$6,829,097
71$8,772,125$0$0$7,425,377
72$9,543,465$0$0$8,079,319
73$10,389,594$0$0$8,796,705
74$11,318,018$0$0$9,583,902
75$12,337,005$0$0$10,447,927
76$13,455,662$0$0$11,396,506
77$14,684,021$0$0$12,438,151
78$16,033,132$0$0$13,582,238
79$17,515,170$0$0$14,839,098
80$19,143,546$0$0$16,220,108
81$20,933,034$0$0$17,737,806
82$22,899,910$0$0$19,406,000
83$25,062,107$0$0$21,239,908
84$27,439,379$0$0$23,256,290
85$30,053,493$0$0$25,473,615
86$32,928,427$0$0$27,912,231
87$36,090,604$0$0$30,594,556
88$39,569,133$0$0$33,545,289
89$43,396,086$0$0$36,791,644
90$47,606,801$0$0$40,363,607
91$52,240,215$0$0$44,294,216
92$57,339,230$0$0$48,619,872
93$62,951,115$0$0$53,380,686
94$69,127,956$0$0$58,620,853
95$75,927,143$0$0$64,389,070
96$83,411,913$0$0$70,738,996
97$91,651,947$0$0$77,729,754
98$100,724,022$0$0$85,426,495
99$110,712,742$0$0$93,901,004
100$121,711,330$0$0$103,232,385