Can I retire at age 35 with 746,000?

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 $746,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$61,604$61,055$60,520$59,997$59,487$57,908
2 years$30,497$29,929$29,379$28,845$28,327$26,747
3 years$20,129$19,559$19,010$18,481$17,972$16,441
4 years$14,947$14,378$13,834$13,315$12,818$11,347
5 years$11,838$11,272$10,736$10,227$9,744$8,338
6 years$9,766$9,205$8,676$8,179$7,710$6,370
7 years$8,286$7,730$7,210$6,724$6,270$4,996
8 years$7,177$6,626$6,115$5,641$5,202$3,993
9 years$6,315$5,769$5,267$4,805$4,381$3,236
10 years$5,626$5,085$4,592$4,142$3,733$2,650
11 years$5,062$4,527$4,042$3,604$3,210$2,189
12 years$4,593$4,063$3,587$3,162$2,782$1,820
13 years$4,196$3,672$3,205$2,791$2,426$1,521
14 years$3,857$3,338$2,880$2,478$2,126$1,277
15 years$3,562$3,049$2,600$2,210$1,872$1,076
16 years$3,305$2,798$2,357$1,979$1,655$909
17 years$3,078$2,576$2,145$1,778$1,467$770
18 years$2,877$2,381$1,958$1,602$1,305$653
19 years$2,697$2,206$1,793$1,448$1,163$555
20 years$2,535$2,050$1,645$1,311$1,039$473
21 years$2,389$1,910$1,513$1,190$929$403
22 years$2,257$1,783$1,395$1,082$833$344
23 years$2,136$1,667$1,288$985$748$294
24 years$2,025$1,562$1,191$899$672$251
25 years$1,923$1,466$1,103$821$605$215
26 years$1,830$1,378$1,023$750$545$184
27 years$1,743$1,297$950$687$491$157
28 years$1,663$1,222$883$629$443$135
29 years$1,588$1,153$822$577$400$115
30 years$1,519$1,089$766$530$362$99
31 years$1,454$1,029$714$486$327$85
32 years$1,393$974$666$447$296$73
33 years$1,336$922$622$411$268$62
34 years$1,283$874$581$378$242$53
35 years$1,232$829$543$348$219$46
36 years$1,185$787$508$321$199$39
37 years$1,140$747$476$295$180$34
38 years$1,098$710$445$272$163$29
39 years$1,058$675$417$251$148$25
40 years$1,020$643$391$232$134$21
41 years$984$612$367$214$122$18
42 years$950$582$344$197$111$16
43 years$917$555$323$182$100$13
44 years$886$529$303$168$91$12
45 years$857$504$284$155$83$10
46 years$829$481$267$143$75$9
47 years$802$459$251$132$68$7
48 years$776$438$236$122$62$6
49 years$752$419$222$113$56$5
50 years$728$400$208$105$51$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $746,000, adding $5,643 every year, while hoping to spend $44,660 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: 23/47/30 Blend
34$746,000$746,000$746,000$746,000
35$827,913$788,375$776,812$839,057
36$864,842$779,487$755,317$840,386
37$904,041$768,667$731,605$837,720
38$945,695$755,773$705,556$833,931
39$990,004$740,655$677,040$828,957
40$1,037,191$723,153$645,927$822,734
41$1,087,496$703,099$612,077$815,197
42$1,141,184$680,314$575,345$806,282
43$1,198,545$654,611$535,580$795,921
44$1,259,897$625,787$492,623$784,046
45$1,325,590$593,633$446,308$770,593
46$1,396,004$557,925$396,463$755,492
47$1,471,559$518,426$342,908$738,678
48$1,552,715$474,887$285,452$720,087
49$1,639,977$427,042$223,901$699,654
50$1,733,901$374,612$158,047$677,320
51$1,835,094$317,303$87,676$653,025
52$1,944,224$254,802$12,565$626,717
53$2,062,028$186,781$0$598,347
54$2,189,312$112,890$0$589,509
55$2,326,963$32,763$0$584,230
56$2,475,956$0$0$578,538
57$2,637,363$0$0$600,426
58$2,812,363$0$0$642,638
59$3,002,251$0$0$688,557
60$3,208,453$0$0$738,540
61$3,432,538$0$0$792,984
62$3,676,228$0$0$852,324
63$3,941,422$0$0$917,037
64$4,230,209$0$0$987,651
65$4,544,884$0$0$1,064,746
66$4,887,977$0$0$1,148,959
67$5,262,270$0$0$1,240,994
68$5,670,826$0$0$1,341,625
69$6,117,017$0$0$1,451,701
70$6,604,553$0$0$1,572,163
71$7,137,522$0$0$1,704,042
72$7,720,422$0$0$1,848,475
73$8,358,206$0$0$2,006,715
74$9,056,329$0$0$2,180,140
75$9,820,796$0$0$2,370,271
76$10,658,221$0$0$2,578,779
77$11,575,888$0$0$2,807,508
78$12,581,820$0$0$3,058,486
79$13,684,849$0$0$3,333,949
80$14,894,708$0$0$3,636,359
81$16,222,113$0$0$3,968,430
82$17,678,871$0$0$4,333,148
83$19,277,983$0$0$4,733,805
84$21,033,776$0$0$5,174,028
85$22,962,026$0$0$5,657,810
86$25,080,116$0$0$6,189,554
87$27,407,194$0$0$6,774,107
88$29,964,355$0$0$7,416,810
89$32,774,837$0$0$8,123,550
90$35,864,243$0$0$8,900,808
91$39,260,780$0$0$9,755,730
92$42,995,522$0$0$10,696,186
93$47,102,707$0$0$11,730,847
94$51,620,057$0$0$12,869,269
95$56,589,133$0$0$14,121,978
96$62,055,724$0$0$15,500,576
97$68,070,285$0$0$17,017,842
98$74,688,404$0$0$18,687,861
99$81,971,333$0$0$20,526,148
100$89,986,559$0$0$22,549,802