Can I retire at age 35 with 719,000?

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 $719,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$59,374$58,845$58,329$57,826$57,334$56,759
2 years$29,393$28,846$28,315$27,801$27,302$26,723
3 years$19,401$18,851$18,322$17,812$17,321$16,756
4 years$14,406$13,858$13,334$12,833$12,354$11,807
5 years$11,409$10,864$10,347$9,857$9,391$8,864
6 years$9,412$8,872$8,362$7,883$7,431$6,924
7 years$7,987$7,450$6,949$6,481$6,043$5,557
8 years$6,918$6,386$5,893$5,436$5,014$4,548
9 years$6,087$5,560$5,076$4,631$4,222$3,777
10 years$5,422$4,901$4,425$3,992$3,597$3,172
11 years$4,879$4,363$3,896$3,474$3,094$2,689
12 years$4,427$3,916$3,458$3,047$2,681$2,295
13 years$4,044$3,539$3,089$2,690$2,338$1,971
14 years$3,717$3,217$2,776$2,388$2,049$1,701
15 years$3,433$2,939$2,506$2,130$1,805$1,474
16 years$3,185$2,696$2,272$1,907$1,595$1,282
17 years$2,967$2,483$2,067$1,713$1,414$1,118
18 years$2,773$2,295$1,887$1,544$1,257$978
19 years$2,600$2,127$1,728$1,395$1,121$857
20 years$2,444$1,976$1,586$1,264$1,001$752
21 years$2,303$1,841$1,459$1,147$896$661
22 years$2,175$1,718$1,344$1,043$803$582
23 years$2,058$1,607$1,241$950$721$513
24 years$1,952$1,506$1,148$866$648$453
25 years$1,854$1,413$1,063$791$583$400
26 years$1,763$1,328$986$723$525$354
27 years$1,680$1,250$916$662$473$313
28 years$1,602$1,178$851$607$427$277
29 years$1,531$1,111$792$556$386$246
30 years$1,464$1,049$738$510$349$218
31 years$1,401$992$688$469$315$193
32 years$1,342$939$642$431$285$171
33 years$1,288$889$599$396$258$152
34 years$1,236$842$560$365$234$135
35 years$1,188$799$523$336$212$120
36 years$1,142$758$490$309$192$106
37 years$1,099$720$458$285$174$94
38 years$1,058$684$429$262$157$84
39 years$1,020$651$402$242$143$74
40 years$983$619$377$223$130$66
41 years$948$589$353$206$118$59
42 years$915$561$332$190$107$52
43 years$884$535$311$175$97$46
44 years$854$510$292$162$88$41
45 years$826$486$274$150$80$37
46 years$799$464$258$138$72$33
47 years$773$443$242$128$66$29
48 years$748$423$227$118$60$26
49 years$725$404$214$109$54$23
50 years$702$385$201$101$49$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $719,000, adding $5,063 every year, while hoping to spend $45,307 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: 52/36/12 Blend
34$719,000$719,000$719,000$719,000
35$797,560$759,453$748,309$836,249
36$830,705$748,460$725,171$852,213
37$865,713$735,410$699,739$864,304
38$902,724$720,154$671,890$876,415
39$941,895$702,535$641,491$888,559
40$983,395$682,386$608,408$900,752
41$1,027,409$659,530$572,497$913,018
42$1,074,139$633,782$533,610$925,382
43$1,123,806$604,942$491,591$937,878
44$1,176,653$572,803$446,278$950,545
45$1,232,945$537,143$397,501$963,432
46$1,292,970$497,728$345,082$976,593
47$1,357,047$454,311$288,837$990,095
48$1,425,525$406,631$228,572$1,004,015
49$1,498,784$354,411$164,084$1,018,442
50$1,577,242$297,360$95,164$1,033,479
51$1,661,360$235,169$21,591$1,049,247
52$1,751,639$167,513$0$1,065,881
53$1,848,633$94,048$0$1,090,829
54$1,952,948$14,410$0$1,120,404
55$2,065,248$0$0$1,152,076
56$2,186,266$0$0$1,214,547
57$2,316,805$0$0$1,288,145
58$2,457,746$0$0$1,367,666
59$2,610,058$0$0$1,453,664
60$2,774,807$0$0$1,546,749
61$2,953,165$0$0$1,647,590
62$3,146,417$0$0$1,756,924
63$3,355,981$0$0$1,875,560
64$3,583,411$0$0$2,004,389
65$3,830,421$0$0$2,144,391
66$4,098,893$0$0$2,296,642
67$4,390,899$0$0$2,462,329
68$4,708,718$0$0$2,642,757
69$5,054,858$0$0$2,839,360
70$5,432,079$0$0$3,053,718
71$5,843,417$0$0$3,287,570
72$6,292,216$0$0$3,542,830
73$6,782,154$0$0$3,821,604
74$7,317,282$0$0$4,126,212
75$7,902,059$0$0$4,459,205
76$8,541,393$0$0$4,823,396
77$9,240,689$0$0$5,221,879
78$10,005,897$0$0$5,658,061
79$10,843,571$0$0$6,135,697
80$11,760,924$0$0$6,658,917
81$12,765,904$0$0$7,232,273
82$13,867,261$0$0$7,860,777
83$15,074,633$0$0$8,549,949
84$16,398,633$0$0$9,305,868
85$17,850,952$0$0$10,135,232
86$19,444,467$0$0$11,045,417
87$21,193,361$0$0$12,044,546
88$23,113,257$0$0$13,141,570
89$25,221,365$0$0$14,346,348
90$27,536,643$0$0$15,669,740
91$30,079,974$0$0$17,123,710
92$32,874,364$0$0$18,721,438
93$35,945,159$0$0$20,477,444
94$39,320,279$0$0$22,407,726
95$43,030,487$0$0$24,529,905
96$47,109,671$0$0$26,863,400
97$51,595,169$0$0$29,429,601
98$56,528,117$0$0$32,252,078
99$61,953,839$0$0$35,356,799
100$67,922,270$0$0$38,772,374