What savings rate should I target to retire at 35?

Aim for a 40–60% savings rate if you want to retire in 10–15 years. The exact rate depends on your starting capital, investment returns, and spending goal. Slide the monthly savings input to see how it moves your FIRE number and timeline.

Is the 4% rule safe for this timeline?

The 4% rule is a starting point, not a guarantee. Consider 3.5–4% for longer retirements or higher inflation periods. The calculator supports both fixed and percentage-based withdrawals so you can stress-test more conservative plans.

What if markets underperform?

Use a lower CAGR (e.g., 5–6%) and a higher inflation rate (e.g., 3%) in the calculator. Switch to Monte Carlo mode to see success probabilities with volatility. Also build flexibility into spending: trimming costs in bad years greatly improves durability.

How Much Do I Need to Retire at 35?

Q: How much do I need to retire at 35?

A quick rule is your desired annual spending divided by a safe withdrawal rate. Using 4%, multiply your yearly spend by 25. Spending $60k/year means roughly $1.5M. Use the calculator below to tailor the projection to your own savings, growth, and inflation assumptions.

Get an instant rule-of-thumb number, then dial in the details with the FIRE calculator loaded for age 35. Adjust savings, returns, inflation, and withdrawals to stress-test your plan.

Quick Answer

Based on a 4% withdrawal rate

With a monthly spend of $4,000, you need roughly $1,200,000 invested to retire at 35.

Uses the classic"Rule of 25" (annual spend ÷ 4%)
Assumes inflation-adjusted withdrawals and a diversified portfolio
Refine the projection below with your exact savings, age, and market assumptions

At-a-Glance

Target age35

Monthly spend (today)$4,000

Withdrawal rate4.0%

Rule-of-25 nest egg$1,200,000

Spend Scenarios

Lean, classic, and comfortable budgets with required nest eggs.

Why the 4% rule?

Lean FIRE

$3,200 / month

Annual spend$38,400

Needed to retire$960,000

Classic FIRE

$4,000 / month

Annual spend$48,000

Needed to retire$1,200,000

Fat FIRE

$5,000 / month

Annual spend$60,000

Needed to retire$1,500,000

Ready to Plan Your Details?

This page gives you a ballpark estimate. Use our full-featured calculator to customize inflation, market returns, simulation modes (Monte Carlo), and more for your specific situation.

Open Full Calculator for Age 35

Key Levers to Watch

Improve success odds for age 35

Boost savings rate in the final 5–10 years before 35
Lower planned spending or add part-time income (Barista/Coast FIRE)
Use conservative returns (5–7%) and realistic inflation (2–3%)
Consider longer life expectancy (age 65+)

Spend Scenarios

Ready to Plan Your Details?

Frequently Asked Questions