Can I retire at age 35 with 759,000?

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 $759,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.3%
1 years$62,678$62,119$61,575$61,043$60,524$58,727
2 years$31,028$30,451$29,891$29,348$28,821$27,026
3 years$20,480$19,900$19,341$18,803$18,285$16,548
4 years$15,207$14,628$14,075$13,547$13,041$11,375
5 years$12,044$11,469$10,923$10,405$9,914$8,323
6 years$9,936$9,365$8,827$8,321$7,844$6,331
7 years$8,431$7,865$7,336$6,841$6,380$4,943
8 years$7,303$6,742$6,221$5,739$5,292$3,932
9 years$6,425$5,870$5,358$4,888$4,457$3,171
10 years$5,724$5,174$4,672$4,214$3,798$2,584
11 years$5,151$4,606$4,113$3,667$3,266$2,123
12 years$4,673$4,134$3,650$3,217$2,830$1,756
13 years$4,269$3,736$3,261$2,840$2,468$1,460
14 years$3,924$3,396$2,930$2,521$2,163$1,219
15 years$3,624$3,102$2,645$2,248$1,905$1,021
16 years$3,363$2,846$2,398$2,013$1,684$858
17 years$3,132$2,621$2,182$1,809$1,493$722
18 years$2,927$2,422$1,992$1,630$1,327$609
19 years$2,744$2,245$1,824$1,473$1,183$515
20 years$2,580$2,086$1,674$1,334$1,057$436
21 years$2,431$1,943$1,540$1,211$946$369
22 years$2,296$1,814$1,419$1,101$848$313
23 years$2,173$1,696$1,310$1,002$761$266
24 years$2,060$1,589$1,212$914$684$226
25 years$1,957$1,492$1,122$835$615$192
26 years$1,861$1,402$1,041$763$554$163
27 years$1,773$1,319$967$699$500$139
28 years$1,692$1,243$899$640$451$118
29 years$1,616$1,173$836$587$407$100
30 years$1,545$1,108$779$539$368$85
31 years$1,479$1,047$726$495$333$73
32 years$1,417$991$677$455$301$62
33 years$1,359$938$633$418$272$53
34 years$1,305$889$591$385$247$45
35 years$1,254$843$553$354$223$38
36 years$1,205$801$517$326$202$33
37 years$1,160$760$484$301$183$28
38 years$1,117$723$453$277$166$24
39 years$1,076$687$424$255$151$20
40 years$1,038$654$398$236$137$17
41 years$1,001$622$373$217$124$15
42 years$966$593$350$201$113$12
43 years$933$565$328$185$102$11
44 years$902$538$308$171$93$9
45 years$872$513$289$158$84$8
46 years$843$490$272$146$76$7
47 years$816$467$255$135$69$6
48 years$790$446$240$125$63$5
49 years$765$426$226$115$57$4
50 years$741$407$212$106$52$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $759,000, adding $6,340 every year, while hoping to spend $21,611 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: 49/29/22 Blend
34$759,000$759,000$759,000$759,000
35$842,958$802,731$790,966$878,753
36$905,945$819,071$794,470$920,646
37$974,634$835,487$797,366$963,441
38$1,049,581$851,960$799,613$1,009,486
39$1,131,402$868,470$801,164$1,059,098
40$1,220,774$884,994$801,972$1,112,625
41$1,318,442$901,508$801,987$1,170,449
42$1,425,227$917,985$801,156$1,232,995
43$1,542,031$934,397$799,426$1,300,729
44$1,669,848$950,714$796,738$1,374,164
45$1,809,776$966,901$793,031$1,453,870
46$1,963,018$982,925$788,243$1,540,472
47$2,130,903$998,745$782,306$1,634,661
48$2,314,894$1,014,322$775,152$1,737,197
49$2,516,601$1,029,612$766,707$1,848,921
50$2,737,798$1,044,567$756,896$1,970,759
51$2,980,439$1,059,136$745,637$2,103,733
52$3,246,676$1,073,266$732,848$2,248,969
53$3,538,879$1,086,899$718,441$2,407,709
54$3,859,660$1,099,972$702,325$2,581,325
55$4,211,895$1,112,420$684,402$2,771,327
56$4,598,752$1,124,173$664,573$2,979,383
57$5,023,722$1,135,154$642,734$3,207,329
58$5,490,650$1,145,285$618,773$3,457,194
59$6,003,771$1,154,479$592,577$3,731,212
60$6,567,752$1,162,645$564,025$4,031,849
61$7,187,735$1,169,686$532,992$4,361,823
62$7,869,383$1,175,500$499,346$4,724,130
63$8,618,937$1,179,977$462,951$5,122,077
64$9,443,272$1,182,999$423,664$5,559,308
65$10,349,964$1,184,444$381,334$6,039,842
66$11,347,357$1,184,178$335,806$6,568,109
67$12,444,648$1,182,064$286,916$7,148,996
68$13,651,968$1,177,951$234,494$7,787,890
69$14,980,481$1,171,683$178,362$8,490,731
70$16,442,487$1,163,092$118,333$9,264,067
71$18,051,538$1,152,000$54,215$10,115,118
72$19,822,567$1,138,221$0$11,051,846
73$21,772,030$1,121,555$0$12,086,362
74$23,918,056$1,101,790$0$13,238,805
75$26,280,622$1,078,702$0$14,507,153
76$28,881,743$1,052,056$0$15,903,222
77$31,745,674$1,021,599$0$17,440,032
78$34,899,142$987,067$0$19,131,934
79$38,371,600$948,179$0$20,994,747
80$42,195,499$904,636$0$23,045,901
81$46,406,601$856,124$0$25,304,613
82$51,044,312$802,312$0$27,792,058
83$56,152,052$742,845$0$30,531,575
84$61,777,670$677,353$0$33,548,888
85$67,973,892$605,443$0$36,872,348
86$74,798,817$526,698$0$40,533,201
87$82,316,470$440,680$0$44,565,883
88$90,597,401$346,925$0$49,008,350
89$99,719,354$244,942$0$53,902,432
90$109,767,998$134,213$0$59,294,230
91$120,837,737$14,194$0$65,234,554
92$133,032,602$0$0$71,779,403
93$146,467,230$0$0$79,027,411
94$161,267,947$0$0$87,017,551
95$177,573,961$0$0$95,820,459
96$195,538,673$0$0$105,518,967
97$215,331,129$0$0$116,204,356
98$237,137,613$0$0$127,977,211
99$261,163,403$0$0$140,948,378
100$287,634,713$0$0$155,240,005