Can I retire at age 35 with 715,000?

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 $715,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.6%
1 years$59,044$58,518$58,005$57,504$57,015$55,705
2 years$29,230$28,685$28,158$27,646$27,150$25,837
3 years$19,293$18,746$18,220$17,713$17,225$15,951
4 years$14,325$13,780$13,259$12,761$12,285$11,059
5 years$11,346$10,804$10,290$9,802$9,339$8,164
6 years$9,360$8,822$8,316$7,839$7,390$6,268
7 years$7,942$7,409$6,910$6,445$6,010$4,941
8 years$6,879$6,351$5,861$5,406$4,986$3,970
9 years$6,053$5,530$5,048$4,605$4,199$3,235
10 years$5,392$4,874$4,401$3,969$3,577$2,664
11 years$4,852$4,339$3,874$3,455$3,077$2,213
12 years$4,402$3,895$3,438$3,030$2,666$1,851
13 years$4,022$3,519$3,072$2,675$2,325$1,556
14 years$3,696$3,199$2,760$2,375$2,038$1,315
15 years$3,414$2,922$2,492$2,118$1,794$1,114
16 years$3,168$2,681$2,259$1,896$1,586$948
17 years$2,950$2,469$2,056$1,704$1,406$808
18 years$2,757$2,282$1,877$1,535$1,250$690
19 years$2,585$2,115$1,718$1,387$1,114$591
20 years$2,430$1,965$1,577$1,257$995$506
21 years$2,290$1,830$1,450$1,140$891$435
22 years$2,163$1,709$1,337$1,037$799$373
23 years$2,047$1,598$1,234$944$717$321
24 years$1,941$1,497$1,141$861$644$276
25 years$1,843$1,405$1,057$787$580$238
26 years$1,754$1,321$981$719$522$205
27 years$1,671$1,243$911$658$471$177
28 years$1,594$1,171$846$603$425$153
29 years$1,522$1,105$788$553$384$132
30 years$1,455$1,043$734$508$347$114
31 years$1,393$986$684$466$313$98
32 years$1,335$933$638$428$283$85
33 years$1,280$884$596$394$257$73
34 years$1,229$838$557$363$232$63
35 years$1,181$795$521$334$210$55
36 years$1,136$754$487$307$191$47
37 years$1,093$716$456$283$173$41
38 years$1,052$681$427$261$157$35
39 years$1,014$647$400$241$142$31
40 years$978$616$375$222$129$26
41 years$943$586$351$205$117$23
42 years$910$558$330$189$106$20
43 years$879$532$309$174$96$17
44 years$850$507$290$161$87$15
45 years$821$484$273$149$79$13
46 years$794$461$256$137$72$11
47 years$769$440$241$127$65$10
48 years$744$420$226$117$59$8
49 years$721$401$213$108$54$7
50 years$698$383$200$100$49$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $715,000, adding $3,597 every year, while hoping to spend $23,538 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: 53/36/11 Blend
34$715,000$715,000$715,000$715,000
35$791,640$753,745$742,663$831,160
36$847,343$765,635$742,498$870,332
37$907,939$777,318$741,538$910,086
38$973,902$788,759$739,733$952,790
39$1,045,754$799,922$737,028$998,727
40$1,124,069$810,766$733,366$1,048,211
41$1,209,479$821,249$728,689$1,101,590
42$1,302,679$831,323$722,933$1,159,244
43$1,404,436$840,942$716,035$1,221,596
44$1,515,591$850,051$707,925$1,289,110
45$1,637,074$858,596$698,533$1,362,298
46$1,769,904$866,516$687,783$1,441,727
47$1,915,208$873,749$675,597$1,528,020
48$2,074,223$880,226$661,894$1,621,866
49$2,248,313$885,877$646,586$1,724,025
50$2,438,980$890,623$629,586$1,835,335
51$2,647,877$894,385$610,798$1,956,719
52$2,876,825$897,074$590,124$2,089,198
53$3,127,830$898,600$567,462$2,233,898
54$3,403,100$898,863$542,704$2,392,058
55$3,705,070$897,761$515,738$2,565,049
56$4,036,419$895,183$486,447$2,754,380
57$4,400,098$891,011$454,707$2,961,717
58$4,799,360$885,122$420,392$3,188,899
59$5,237,785$877,384$383,365$3,437,952
60$5,719,320$867,656$343,489$3,711,111
61$6,248,310$855,792$300,616$4,010,844
62$6,829,545$841,632$254,593$4,339,870
63$7,468,299$825,013$205,262$4,701,189
64$8,170,383$805,756$152,456$5,098,111
65$8,942,200$783,675$96,001$5,534,283
66$9,790,802$758,574$35,716$6,013,731
67$10,723,962$730,242$0$6,540,894
68$11,750,241$698,459$0$7,124,024
69$12,879,072$662,989$0$7,769,853
70$14,120,849$623,587$0$8,480,161
71$15,487,022$579,989$0$9,261,537
72$16,990,209$531,920$0$10,121,246
73$18,644,311$479,085$0$11,067,296
74$20,464,647$421,176$0$12,108,518
75$22,468,094$357,866$0$13,254,644
76$24,673,247$288,810$0$14,516,406
77$27,100,599$213,642$0$15,905,635
78$29,772,727$131,977$0$17,435,370
79$32,714,510$43,409$0$19,119,990
80$35,953,361$0$0$20,975,342
81$39,519,487$0$0$23,039,693
82$43,446,172$0$0$25,331,788
83$47,770,094$0$0$27,855,851
84$52,531,668$0$0$30,635,486
85$57,775,425$0$0$33,696,701
86$63,550,440$0$0$37,068,157
87$69,910,788$0$0$40,781,434
88$76,916,054$0$0$44,871,334
89$84,631,900$0$0$49,376,205
90$93,130,680$0$0$54,338,304
91$102,492,124$0$0$59,804,198
92$112,804,093$0$0$65,825,200
93$124,163,402$0$0$72,457,855
94$136,676,740$0$0$79,764,473
95$150,461,671$0$0$87,813,717
96$165,647,748$0$0$96,681,252
97$182,377,733$0$0$106,450,457
98$200,808,945$0$0$117,213,215
99$221,114,744$0$0$129,070,775
100$243,486,167$0$0$142,134,713