Can I retire at age 35 with 751,000?

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 $751,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$62,017$61,464$60,926$60,399$59,886$58,725
2 years$30,701$30,130$29,575$29,038$28,517$27,352
3 years$20,264$19,690$19,137$18,605$18,092$16,960
4 years$15,047$14,474$13,927$13,404$12,904$11,812
5 years$11,917$11,348$10,808$10,295$9,809$8,762
6 years$9,831$9,266$8,734$8,233$7,762$6,760
7 years$8,342$7,782$7,258$6,769$6,312$5,356
8 years$7,226$6,671$6,156$5,678$5,237$4,325
9 years$6,358$5,808$5,302$4,837$4,410$3,544
10 years$5,664$5,119$4,622$4,169$3,758$2,935
11 years$5,096$4,558$4,069$3,629$3,232$2,452
12 years$4,624$4,091$3,611$3,183$2,800$2,063
13 years$4,224$3,697$3,227$2,810$2,442$1,745
14 years$3,882$3,360$2,899$2,494$2,141$1,483
15 years$3,586$3,070$2,618$2,224$1,885$1,265
16 years$3,327$2,816$2,373$1,992$1,666$1,083
17 years$3,099$2,594$2,159$1,790$1,477$929
18 years$2,896$2,397$1,971$1,613$1,313$799
19 years$2,715$2,221$1,805$1,457$1,171$688
20 years$2,552$2,064$1,656$1,320$1,046$594
21 years$2,405$1,923$1,523$1,198$936$513
22 years$2,272$1,795$1,404$1,089$839$444
23 years$2,150$1,679$1,296$992$753$385
24 years$2,039$1,573$1,199$905$677$333
25 years$1,936$1,476$1,110$826$609$289
26 years$1,842$1,387$1,030$755$548$251
27 years$1,755$1,305$956$691$495$218
28 years$1,674$1,230$889$634$446$190
29 years$1,599$1,160$827$581$403$165
30 years$1,529$1,096$771$533$364$143
31 years$1,463$1,036$718$490$329$125
32 years$1,402$980$670$450$298$109
33 years$1,345$928$626$414$269$94
34 years$1,291$880$585$381$244$82
35 years$1,240$835$547$351$221$72
36 years$1,193$792$511$323$200$62
37 years$1,148$752$479$297$181$54
38 years$1,105$715$448$274$165$47
39 years$1,065$680$420$253$149$41
40 years$1,027$647$394$233$135$36
41 years$991$616$369$215$123$31
42 years$956$586$346$199$111$27
43 years$923$559$325$183$101$24
44 years$892$533$305$169$92$21
45 years$863$508$286$156$83$18
46 years$834$484$269$144$76$16
47 years$807$462$253$133$69$14
48 years$782$441$237$123$62$12
49 years$757$421$223$114$57$10
50 years$733$403$210$105$51$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $751,000, adding $4,922 every year, while hoping to spend $42,129 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: 58/35/7 Blend
34$751,000$751,000$751,000$751,000
35$832,679$792,876$781,236$879,439
36$872,787$786,902$762,582$905,457
37$915,575$779,223$741,892$928,600
38$961,270$769,712$719,052$952,776
39$1,010,124$758,232$693,944$978,089
40$1,062,411$744,640$666,446$1,004,651
41$1,118,433$728,784$636,428$1,032,590
42$1,178,521$710,501$603,756$1,062,049
43$1,243,036$689,622$568,288$1,093,187
44$1,312,378$665,966$529,878$1,126,182
45$1,386,983$639,341$488,371$1,161,230
46$1,467,332$609,545$443,608$1,198,554
47$1,553,950$576,363$395,419$1,238,400
48$1,647,417$539,569$343,630$1,281,041
49$1,748,370$498,924$288,058$1,326,784
50$1,857,506$454,174$228,510$1,375,968
51$1,975,595$405,052$164,788$1,428,972
52$2,103,480$351,274$96,683$1,486,216
53$2,242,091$292,542$23,978$1,548,170
54$2,392,447$228,539$0$1,615,352
55$2,555,673$158,933$0$1,692,346
56$2,733,001$83,371$0$1,777,961
57$2,925,792$1,481$0$1,871,136
58$3,135,540$0$0$1,972,681
59$3,363,888$0$0$2,117,054
60$3,612,646$0$0$2,275,010
61$3,883,805$0$0$2,447,252
62$4,179,556$0$0$2,635,178
63$4,502,312$0$0$2,840,329
64$4,854,726$0$0$3,064,401
65$5,239,722$0$0$3,309,261
66$5,660,516$0$0$3,576,964
67$6,120,652$0$0$3,869,772
68$6,624,028$0$0$4,190,177
69$7,174,939$0$0$4,540,923
70$7,778,114$0$0$4,925,030
71$8,438,760$0$0$5,345,826
72$9,162,610$0$0$5,806,974
73$9,955,982$0$0$6,312,509
74$10,825,828$0$0$6,866,875
75$11,779,811$0$0$7,474,967
76$12,826,367$0$0$8,142,176
77$13,974,790$0$0$8,874,440
78$15,235,316$0$0$9,678,301
79$16,619,221$0$0$10,560,963
80$18,138,926$0$0$11,530,365
81$19,808,115$0$0$12,595,249
82$21,641,860$0$0$13,765,249
83$23,656,766$0$0$15,050,974
84$25,871,127$0$0$16,464,116
85$28,305,096$0$0$18,017,554
86$30,980,877$0$0$19,725,477
87$33,922,929$0$0$21,603,517
88$37,158,204$0$0$23,668,898
89$40,716,394$0$0$25,940,594
90$44,630,212$0$0$28,439,514
91$48,935,704$0$0$31,188,693
92$53,672,582$0$0$34,213,511
93$58,884,603$0$0$37,541,933
94$64,619,979$0$0$41,204,771
95$70,931,831$0$0$45,235,975
96$77,878,691$0$0$49,672,955
97$85,525,053$0$0$54,556,928
98$93,941,980$0$0$59,933,312
99$103,207,775$0$0$65,852,153
100$113,408,718$0$0$72,368,592