Can I retire at age 35 with 747,000?

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 $747,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$61,687$61,137$60,601$60,078$59,567$57,683
2 years$30,538$29,969$29,418$28,884$28,365$26,484
3 years$20,156$19,585$19,035$18,506$17,996$16,177
4 years$14,967$14,397$13,853$13,333$12,835$11,092
5 years$11,854$11,288$10,750$10,241$9,757$8,095
6 years$9,779$9,217$8,688$8,190$7,720$6,140
7 years$8,298$7,741$7,220$6,733$6,279$4,780
8 years$7,187$6,635$6,123$5,648$5,209$3,791
9 years$6,324$5,777$5,274$4,811$4,387$3,048
10 years$5,634$5,092$4,598$4,147$3,738$2,477
11 years$5,069$4,533$4,048$3,609$3,214$2,028
12 years$4,599$4,069$3,592$3,166$2,786$1,672
13 years$4,202$3,677$3,209$2,795$2,429$1,385
14 years$3,862$3,342$2,884$2,481$2,129$1,152
15 years$3,567$3,053$2,604$2,213$1,875$962
16 years$3,309$2,801$2,361$1,981$1,657$805
17 years$3,082$2,580$2,148$1,780$1,469$676
18 years$2,881$2,384$1,961$1,604$1,306$568
19 years$2,701$2,209$1,795$1,450$1,164$478
20 years$2,539$2,053$1,647$1,313$1,040$403
21 years$2,392$1,912$1,515$1,191$931$340
22 years$2,260$1,785$1,397$1,083$834$287
23 years$2,139$1,670$1,289$987$749$243
24 years$2,028$1,564$1,193$900$673$205
25 years$1,926$1,468$1,105$822$606$174
26 years$1,832$1,380$1,024$751$546$147
27 years$1,745$1,298$951$688$492$125
28 years$1,665$1,224$884$630$444$106
29 years$1,590$1,154$823$578$401$90
30 years$1,521$1,090$767$530$362$76
31 years$1,456$1,030$715$487$327$64
32 years$1,395$975$667$448$296$55
33 years$1,338$923$623$412$268$46
34 years$1,284$875$582$379$243$39
35 years$1,234$830$544$349$220$33
36 years$1,186$788$509$321$199$28
37 years$1,142$748$476$296$180$24
38 years$1,099$711$446$273$164$20
39 years$1,059$676$418$251$148$17
40 years$1,021$643$392$232$135$15
41 years$985$612$367$214$122$12
42 years$951$583$344$197$111$11
43 years$919$556$323$182$101$9
44 years$888$530$303$168$91$8
45 years$858$505$285$155$83$6
46 years$830$482$268$144$75$5
47 years$803$460$251$133$68$5
48 years$777$439$236$123$62$4
49 years$753$419$222$113$56$3
50 years$729$400$209$105$51$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $747,000, adding $3,493 every year, while hoping to spend $29,603 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: 48/39/13 Blend
34$747,000$747,000$747,000$747,000
35$826,797$787,206$775,628$863,345
36$879,633$794,282$770,114$895,989
37$936,866$800,712$763,423$928,067
38$998,913$806,434$755,485$962,236
39$1,066,234$811,381$746,225$998,702
40$1,139,332$815,481$735,566$1,037,692
41$1,218,763$818,659$723,427$1,079,458
42$1,305,138$820,834$709,722$1,124,279
43$1,399,128$821,920$694,363$1,172,464
44$1,501,472$821,827$677,257$1,224,352
45$1,612,983$820,458$658,307$1,280,323
46$1,734,557$817,710$637,410$1,340,794
47$1,867,178$813,474$614,460$1,406,228
48$2,011,932$807,636$589,345$1,477,134
49$2,170,010$800,072$561,950$1,554,081
50$2,342,728$790,652$532,152$1,637,692
51$2,531,532$779,239$499,824$1,728,660
52$2,738,013$765,687$464,834$1,827,749
53$2,963,926$749,841$427,041$1,935,806
54$3,211,202$731,538$386,302$2,053,765
55$3,481,965$710,604$342,464$2,182,659
56$3,778,557$686,856$295,369$2,323,632
57$4,103,558$660,099$244,851$2,477,943
58$4,459,805$630,129$190,738$2,646,990
59$4,850,426$596,726$132,849$2,832,313
60$5,278,866$559,663$70,996$3,035,613
61$5,748,919$518,694$4,982$3,258,774
62$6,264,762$473,564$0$3,503,871
63$6,831,000$424,000$0$3,782,282
64$7,452,701$369,715$0$4,088,786
65$8,135,451$310,406$0$4,425,524
66$8,885,403$245,752$0$4,795,616
67$9,709,334$175,414$0$5,202,511
68$10,614,712$99,035$0$5,650,012
69$11,609,761$16,236$0$6,142,313
70$12,703,544$0$0$6,684,047
71$13,906,045$0$0$7,311,812
72$15,228,264$0$0$8,009,829
73$16,682,319$0$0$8,777,539
74$18,281,561$0$0$9,622,002
75$20,040,702$0$0$10,550,998
76$21,975,950$0$0$11,573,100
77$24,105,162$0$0$12,697,753
78$26,448,016$0$0$13,935,362
79$29,026,190$0$0$15,297,394
80$31,863,574$0$0$16,796,483
81$34,986,487$0$0$18,446,549
82$38,423,931$0$0$20,262,933
83$42,207,863$0$0$22,262,535
84$46,373,493$0$0$24,463,979
85$50,959,621$0$0$26,887,787
86$56,009,000$0$0$29,556,570
87$61,568,737$0$0$32,495,245
88$67,690,741$0$0$35,731,267
89$74,432,214$0$0$39,294,892
90$81,856,182$0$0$43,219,456
91$90,032,099$0$0$47,541,695
92$99,036,498$0$0$52,302,088
93$108,953,711$0$0$57,545,243
94$119,876,667$0$0$63,320,312
95$131,907,769$0$0$69,681,460
96$145,159,860$0$0$76,688,373
97$159,757,286$0$0$84,406,823
98$175,837,069$0$0$92,909,286
99$193,550,203$0$0$102,275,628
100$213,063,076$0$0$112,593,860