Can I retire at age 35 with 725,000?

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 $725,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$59,870$59,337$58,816$58,308$57,813$56,119
2 years$29,639$29,087$28,552$28,033$27,530$25,838
3 years$19,563$19,008$18,475$17,961$17,466$15,828
4 years$14,526$13,973$13,445$12,940$12,457$10,885
5 years$11,504$10,955$10,434$9,939$9,470$7,969
6 years$9,491$8,946$8,432$7,948$7,493$6,065
7 years$8,053$7,513$7,007$6,535$6,094$4,738
8 years$6,975$6,440$5,943$5,482$5,055$3,771
9 years$6,138$5,607$5,118$4,669$4,257$3,043
10 years$5,468$4,942$4,462$4,025$3,627$2,482
11 years$4,920$4,400$3,929$3,503$3,120$2,040
12 years$4,464$3,949$3,486$3,073$2,704$1,689
13 years$4,078$3,569$3,115$2,713$2,358$1,405
14 years$3,748$3,244$2,799$2,408$2,067$1,173
15 years$3,462$2,963$2,527$2,147$1,820$984
16 years$3,212$2,719$2,291$1,923$1,608$827
17 years$2,992$2,504$2,085$1,728$1,426$697
18 years$2,796$2,314$1,903$1,557$1,268$588
19 years$2,621$2,144$1,742$1,407$1,130$498
20 years$2,464$1,993$1,599$1,274$1,009$421
21 years$2,322$1,856$1,471$1,156$903$357
22 years$2,193$1,733$1,355$1,051$810$303
23 years$2,076$1,620$1,252$958$727$257
24 years$1,968$1,518$1,157$873$653$219
25 years$1,869$1,425$1,072$798$588$186
26 years$1,778$1,339$994$729$530$158
27 years$1,694$1,260$923$668$477$135
28 years$1,616$1,188$858$612$431$115
29 years$1,543$1,120$799$561$389$98
30 years$1,476$1,058$744$515$351$83
31 years$1,413$1,000$694$473$318$71
32 years$1,354$946$647$434$287$60
33 years$1,298$896$604$400$260$52
34 years$1,246$849$565$368$236$44
35 years$1,198$806$528$338$213$37
36 years$1,151$765$494$312$193$32
37 years$1,108$726$462$287$175$27
38 years$1,067$690$433$265$159$23
39 years$1,028$656$405$244$144$20
40 years$991$624$380$225$131$17
41 years$956$594$356$208$119$14
42 years$923$566$334$192$108$12
43 years$891$539$314$177$98$11
44 years$861$514$294$163$89$9
45 years$833$490$276$151$80$8
46 years$805$468$260$139$73$7
47 years$779$446$244$129$66$6
48 years$754$426$229$119$60$5
49 years$731$407$215$110$55$4
50 years$708$389$203$102$50$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $725,000, adding $5,396 every year, while hoping to spend $23,581 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: 40/34/26 Blend
34$725,000$725,000$725,000$725,000
35$804,516$766,091$754,853$830,333
36$861,487$778,539$755,051$861,967
37$923,478$790,808$754,465$893,563
38$990,977$802,862$753,044$927,288
39$1,064,520$814,665$750,734$963,351
40$1,144,697$826,180$747,480$1,001,983
41$1,232,158$837,364$743,222$1,043,439
42$1,327,617$848,174$737,899$1,088,003
43$1,431,860$858,561$731,445$1,135,987
44$1,545,754$868,475$723,793$1,187,737
45$1,670,253$877,862$714,871$1,243,633
46$1,806,406$886,664$704,606$1,304,100
47$1,955,368$894,819$692,920$1,369,602
48$2,118,413$902,263$679,730$1,440,657
49$2,296,942$908,925$664,952$1,517,833
50$2,492,498$914,730$648,496$1,601,761
51$2,706,781$919,600$630,268$1,693,136
52$2,941,662$923,449$610,172$1,792,728
53$3,199,203$926,190$588,104$1,901,386
54$3,481,674$927,725$563,958$2,020,047
55$3,791,576$927,955$537,621$2,149,748
56$4,131,663$926,771$508,978$2,291,634
57$4,504,969$924,060$477,906$2,446,968
58$4,914,837$919,700$444,276$2,617,146
59$5,364,947$913,562$407,957$2,803,710
60$5,859,356$905,511$368,808$3,008,361
61$6,402,531$895,402$326,684$3,232,978
62$6,999,394$883,081$281,432$3,479,635
63$7,655,367$868,386$232,895$3,750,621
64$8,376,423$851,146$180,905$4,048,464
65$9,169,143$831,177$125,290$4,375,954
66$10,040,778$808,287$65,870$4,736,168
67$10,999,316$782,272$2,455$5,132,505
68$12,053,557$752,914$0$5,568,715
69$13,213,199$719,986$0$6,067,027
70$14,488,925$683,245$0$6,615,818
71$15,892,507$642,435$0$7,219,502
72$17,436,914$597,286$0$7,883,699
73$19,136,436$547,510$0$8,614,607
74$21,006,820$492,805$0$9,419,057
75$23,065,415$432,852$0$10,304,582
76$25,331,337$367,312$0$11,279,488
77$27,825,651$295,827$0$12,352,933
78$30,571,565$218,021$0$13,535,011
79$33,594,656$133,495$0$14,836,853
80$36,923,103$41,829$0$16,270,731
81$40,587,958$0$0$17,850,174
82$44,623,437$0$0$19,611,579
83$49,067,244$0$0$21,568,568
84$53,960,923$0$0$23,723,804
85$59,350,256$0$0$26,097,463
86$65,285,688$0$0$28,711,781
87$71,822,808$0$0$31,591,260
88$79,022,871$0$0$34,762,899
89$86,953,375$0$0$38,256,448
90$95,688,702$0$0$42,104,693
91$105,310,813$0$0$46,343,760
92$115,910,028$0$0$51,013,461
93$127,585,874$0$0$56,157,664
94$140,448,028$0$0$61,824,713
95$154,617,345$0$0$68,067,877
96$170,227,007$0$0$74,945,861
97$187,423,773$0$0$82,523,354
98$206,369,367$0$0$90,871,642
99$227,242,007$0$0$100,069,278
100$250,238,078$0$0$110,202,828