Can I retire at age 35 with 750,000?

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 $750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$61,934$61,383$60,844$60,319$59,806$58,912
2 years$30,661$30,090$29,536$29,000$28,479$27,581
3 years$20,237$19,664$19,112$18,580$18,068$17,193
4 years$15,027$14,455$13,909$13,386$12,886$12,041
5 years$11,901$11,333$10,794$10,282$9,796$8,983
6 years$9,818$9,254$8,723$8,222$7,751$6,972
7 years$8,331$7,772$7,249$6,760$6,304$5,558
8 years$7,216$6,662$6,147$5,671$5,230$4,518
9 years$6,349$5,800$5,295$4,830$4,404$3,725
10 years$5,656$5,113$4,616$4,164$3,753$3,106
11 years$5,090$4,551$4,064$3,624$3,227$2,613
12 years$4,618$4,085$3,607$3,179$2,797$2,214
13 years$4,219$3,692$3,222$2,806$2,439$1,886
14 years$3,877$3,356$2,895$2,491$2,138$1,615
15 years$3,581$3,066$2,614$2,222$1,882$1,388
16 years$3,323$2,813$2,370$1,989$1,664$1,197
17 years$3,095$2,590$2,157$1,787$1,475$1,035
18 years$2,892$2,394$1,969$1,611$1,312$898
19 years$2,712$2,218$1,802$1,455$1,169$780
20 years$2,549$2,061$1,654$1,318$1,044$678
21 years$2,402$1,920$1,521$1,196$934$591
22 years$2,269$1,792$1,402$1,088$838$516
23 years$2,147$1,676$1,295$991$752$451
24 years$2,036$1,571$1,197$903$676$394
25 years$1,934$1,474$1,109$825$608$345
26 years$1,839$1,385$1,029$754$548$302
27 years$1,752$1,304$955$691$494$265
28 years$1,672$1,228$888$633$446$232
29 years$1,597$1,159$826$580$402$204
30 years$1,527$1,094$770$532$364$179
31 years$1,461$1,035$717$489$329$157
32 years$1,400$979$669$449$297$138
33 years$1,343$927$625$413$269$121
34 years$1,289$879$584$380$244$106
35 years$1,239$833$546$350$221$93
36 years$1,191$791$511$322$200$82
37 years$1,146$751$478$297$181$72
38 years$1,104$714$448$274$164$64
39 years$1,063$679$419$252$149$56
40 years$1,025$646$393$233$135$49
41 years$989$615$369$215$123$43
42 years$955$586$346$198$111$38
43 years$922$558$324$183$101$33
44 years$891$532$305$169$92$29
45 years$861$507$286$156$83$26
46 years$833$484$269$144$76$23
47 years$806$462$252$133$69$20
48 years$780$441$237$123$62$18
49 years$756$421$223$114$57$16
50 years$732$402$210$105$51$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $750,000, adding $6,528 every year, while hoping to spend $53,648 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: 49/30/21 Blend
34$750,000$750,000$750,000$750,000
35$833,234$793,484$781,859$868,847
36$861,142$775,283$750,970$876,062
37$890,100$754,393$717,248$877,934
38$920,156$730,625$680,542$878,850
39$951,365$703,778$640,693$878,743
40$983,784$673,643$597,536$877,540
41$1,017,474$639,996$550,898$875,167
42$1,052,501$602,600$500,598$871,546
43$1,088,935$561,206$446,446$866,595
44$1,126,851$515,550$388,247$860,230
45$1,166,330$465,352$325,794$852,362
46$1,207,459$410,318$258,871$842,897
47$1,250,332$350,135$187,255$831,740
48$1,295,048$284,474$110,710$818,791
49$1,341,716$212,987$28,992$803,946
50$1,390,454$135,306$0$787,096
51$1,441,387$51,043$0$781,175
52$1,494,653$0$0$780,803
53$1,550,398$0$0$792,695
54$1,608,782$0$0$822,821
55$1,669,980$0$0$854,421
56$1,734,179$0$0$887,596
57$1,801,582$0$0$922,454
58$1,872,412$0$0$959,114
59$1,946,909$0$0$997,705
60$2,025,336$0$0$1,038,366
61$2,107,977$0$0$1,081,249
62$2,195,143$0$0$1,126,521
63$2,287,173$0$0$1,174,363
64$2,384,436$0$0$1,224,972
65$2,487,335$0$0$1,278,564
66$2,596,309$0$0$1,335,375
67$2,711,840$0$0$1,395,662
68$2,834,453$0$0$1,459,707
69$2,964,721$0$0$1,527,818
70$3,103,272$0$0$1,600,331
71$3,250,795$0$0$1,677,616
72$3,408,041$0$0$1,760,077
73$3,575,835$0$0$1,848,156
74$3,755,079$0$0$1,942,338
75$3,946,764$0$0$2,043,156
76$4,151,972$0$0$2,151,192
77$4,371,896$0$0$2,267,086
78$4,607,839$0$0$2,391,541
79$4,861,233$0$0$2,525,326
80$5,133,650$0$0$2,669,287
81$5,426,816$0$0$2,824,353
82$5,742,626$0$0$2,991,544
83$6,083,159$0$0$3,171,981
84$6,450,703$0$0$3,366,894
85$6,847,768$0$0$3,577,636
86$7,277,116$0$0$3,805,694
87$7,741,779$0$0$4,052,703
88$8,245,094$0$0$4,320,461
89$8,790,727$0$0$4,610,942
90$9,382,711$0$0$4,926,322
91$10,025,480$0$0$5,268,989
92$10,723,911$0$0$5,641,574
93$11,483,372$0$0$6,046,970
94$12,309,764$0$0$6,488,360
95$13,209,584$0$0$6,969,247
96$14,189,979$0$0$7,493,485
97$15,258,814$0$0$8,065,317
98$16,424,746$0$0$8,689,412
99$17,697,303$0$0$9,370,909
100$19,086,974$0$0$10,115,467