Can I retire at age 35 with 725,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%15%
1 years$59,870$59,337$58,816$58,308$57,813$56,622
2 years$29,639$29,087$28,552$28,033$27,530$26,336
3 years$19,563$19,008$18,475$17,961$17,466$16,306
4 years$14,526$13,973$13,445$12,940$12,457$11,339
5 years$11,504$10,955$10,434$9,939$9,470$8,398
6 years$9,491$8,946$8,432$7,948$7,493$6,468
7 years$8,053$7,513$7,007$6,535$6,094$5,116
8 years$6,975$6,440$5,943$5,482$5,055$4,125
9 years$6,138$5,607$5,118$4,669$4,257$3,373
10 years$5,468$4,942$4,462$4,025$3,627$2,789
11 years$4,920$4,400$3,929$3,503$3,120$2,325
12 years$4,464$3,949$3,486$3,073$2,704$1,952
13 years$4,078$3,569$3,115$2,713$2,358$1,648
14 years$3,748$3,244$2,799$2,408$2,067$1,398
15 years$3,462$2,963$2,527$2,147$1,820$1,190
16 years$3,212$2,719$2,291$1,923$1,608$1,016
17 years$2,992$2,504$2,085$1,728$1,426$870
18 years$2,796$2,314$1,903$1,557$1,268$747
19 years$2,621$2,144$1,742$1,407$1,130$642
20 years$2,464$1,993$1,599$1,274$1,009$553
21 years$2,322$1,856$1,471$1,156$903$477
22 years$2,193$1,733$1,355$1,051$810$411
23 years$2,076$1,620$1,252$958$727$355
24 years$1,968$1,518$1,157$873$653$307
25 years$1,869$1,425$1,072$798$588$266
26 years$1,778$1,339$994$729$530$230
27 years$1,694$1,260$923$668$477$200
28 years$1,616$1,188$858$612$431$173
29 years$1,543$1,120$799$561$389$150
30 years$1,476$1,058$744$515$351$130
31 years$1,413$1,000$694$473$318$113
32 years$1,354$946$647$434$287$98
33 years$1,298$896$604$400$260$85
34 years$1,246$849$565$368$236$74
35 years$1,198$806$528$338$213$64
36 years$1,151$765$494$312$193$56
37 years$1,108$726$462$287$175$48
38 years$1,067$690$433$265$159$42
39 years$1,028$656$405$244$144$37
40 years$991$624$380$225$131$32
41 years$956$594$356$208$119$28
42 years$923$566$334$192$108$24
43 years$891$539$314$177$98$21
44 years$861$514$294$163$89$18
45 years$833$490$276$151$80$16
46 years$805$468$260$139$73$14
47 years$779$446$244$129$66$12
48 years$754$426$229$119$60$10
49 years$731$407$215$110$55$9
50 years$708$389$203$102$50$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $725,000, adding $3,451 every year, while hoping to spend $52,043 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: 76/13/11 Blend
34$725,000$725,000$725,000$725,000
35$802,510$764,085$752,847$861,592
36$828,992$746,152$722,694$883,059
37$856,432$725,595$689,787$899,649
38$884,871$702,233$653,978$916,368
39$914,355$675,869$615,114$933,211
40$944,933$646,300$573,033$950,171
41$976,654$613,307$527,568$967,243
42$1,009,574$576,661$478,543$984,422
43$1,043,751$536,117$425,774$1,001,702
44$1,079,247$491,420$369,071$1,019,079
45$1,116,128$442,298$308,233$1,036,548
46$1,154,465$388,462$243,051$1,054,106
47$1,194,334$329,611$173,306$1,071,751
48$1,235,816$265,421$98,772$1,089,481
49$1,278,999$195,556$19,210$1,107,297
50$1,323,976$119,658$0$1,125,199
51$1,370,848$37,347$0$1,150,903
52$1,419,723$0$0$1,179,611
53$1,470,718$0$0$1,216,513
54$1,523,960$0$0$1,260,624
55$1,579,585$0$0$1,306,715
56$1,637,738$0$0$1,354,909
57$1,698,580$0$0$1,405,338
58$1,762,282$0$0$1,458,147
59$1,829,031$0$0$1,513,489
60$1,899,029$0$0$1,571,536
61$1,972,495$0$0$1,632,468
62$2,049,667$0$0$1,696,486
63$2,130,803$0$0$1,763,805
64$2,216,186$0$0$1,834,660
65$2,306,122$0$0$1,909,307
66$2,400,942$0$0$1,988,025
67$2,501,012$0$0$2,071,117
68$2,606,728$0$0$2,158,914
69$2,718,520$0$0$2,251,778
70$2,836,861$0$0$2,350,102
71$2,962,266$0$0$2,454,318
72$3,095,298$0$0$2,564,895
73$3,236,572$0$0$2,682,350
74$3,386,761$0$0$2,807,243
75$3,546,600$0$0$2,940,191
76$3,716,897$0$0$3,081,868
77$3,898,533$0$0$3,233,012
78$4,092,475$0$0$3,394,432
79$4,299,783$0$0$3,567,013
80$4,521,617$0$0$3,751,728
81$4,759,250$0$0$3,949,641
82$5,014,080$0$0$4,161,922
83$5,287,638$0$0$4,389,852
84$5,581,606$0$0$4,634,838
85$5,897,829$0$0$4,898,426
86$6,238,334$0$0$5,182,310
87$6,605,347$0$0$5,488,355
88$7,001,312$0$0$5,818,606
89$7,428,916$0$0$6,175,311
90$7,891,110$0$0$6,560,941
91$8,391,138$0$0$6,978,211
92$8,932,565$0$0$7,430,107
93$9,519,312$0$0$7,919,909
94$10,155,689$0$0$8,451,228
95$10,846,437$0$0$9,028,031
96$11,596,769$0$0$9,654,683
97$12,412,422$0$0$10,335,986
98$13,299,704$0$0$11,077,223
99$14,265,556$0$0$11,884,205
100$15,317,618$0$0$12,763,328