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%12.2%
1 years$59,870$59,337$58,816$58,308$57,813$57,280
2 years$29,639$29,087$28,552$28,033$27,530$26,994
3 years$19,563$19,008$18,475$17,961$17,466$16,942
4 years$14,526$13,973$13,445$12,940$12,457$11,950
5 years$11,504$10,955$10,434$9,939$9,470$8,981
6 years$9,491$8,946$8,432$7,948$7,493$7,023
7 years$8,053$7,513$7,007$6,535$6,094$5,643
8 years$6,975$6,440$5,943$5,482$5,055$4,623
9 years$6,138$5,607$5,118$4,669$4,257$3,844
10 years$5,468$4,942$4,462$4,025$3,627$3,233
11 years$4,920$4,400$3,929$3,503$3,120$2,743
12 years$4,464$3,949$3,486$3,073$2,704$2,345
13 years$4,078$3,569$3,115$2,713$2,358$2,016
14 years$3,748$3,244$2,799$2,408$2,067$1,742
15 years$3,462$2,963$2,527$2,147$1,820$1,512
16 years$3,212$2,719$2,291$1,923$1,608$1,317
17 years$2,992$2,504$2,085$1,728$1,426$1,150
18 years$2,796$2,314$1,903$1,557$1,268$1,007
19 years$2,621$2,144$1,742$1,407$1,130$883
20 years$2,464$1,993$1,599$1,274$1,009$777
21 years$2,322$1,856$1,471$1,156$903$684
22 years$2,193$1,733$1,355$1,051$810$603
23 years$2,076$1,620$1,252$958$727$533
24 years$1,968$1,518$1,157$873$653$471
25 years$1,869$1,425$1,072$798$588$417
26 years$1,778$1,339$994$729$530$369
27 years$1,694$1,260$923$668$477$327
28 years$1,616$1,188$858$612$431$290
29 years$1,543$1,120$799$561$389$257
30 years$1,476$1,058$744$515$351$228
31 years$1,413$1,000$694$473$318$203
32 years$1,354$946$647$434$287$180
33 years$1,298$896$604$400$260$160
34 years$1,246$849$565$368$236$142
35 years$1,198$806$528$338$213$127
36 years$1,151$765$494$312$193$113
37 years$1,108$726$462$287$175$100
38 years$1,067$690$433$265$159$89
39 years$1,028$656$405$244$144$79
40 years$991$624$380$225$131$71
41 years$956$594$356$208$119$63
42 years$923$566$334$192$108$56
43 years$891$539$314$177$98$50
44 years$861$514$294$163$89$44
45 years$833$490$276$151$80$40
46 years$805$468$260$139$73$35
47 years$779$446$244$129$66$31
48 years$754$426$229$119$60$28
49 years$731$407$215$110$55$25
50 years$708$389$203$102$50$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $725,000, adding $4,541 every year, while hoping to spend $42,859 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: 60/28/12 Blend
34$725,000$725,000$725,000$725,000
35$803,634$765,209$753,972$849,258
36$840,003$757,103$733,628$872,371
37$878,645$747,163$711,166$892,329
38$919,747$735,254$686,471$913,062
39$963,513$721,233$659,419$934,648
40$1,010,167$704,949$629,885$957,174
41$1,059,953$686,240$597,735$980,738
42$1,113,140$664,938$562,831$1,005,452
43$1,170,022$640,861$525,028$1,031,439
44$1,230,921$613,820$484,173$1,058,837
45$1,296,191$583,613$440,108$1,087,801
46$1,366,219$550,027$392,669$1,118,505
47$1,441,431$512,837$341,681$1,151,143
48$1,522,295$471,803$286,965$1,185,932
49$1,609,323$426,675$228,332$1,223,112
50$1,703,077$377,186$165,585$1,262,955
51$1,804,177$323,054$98,518$1,305,760
52$1,913,302$263,983$26,917$1,351,863
53$2,031,199$199,657$0$1,401,639
54$2,158,687$129,746$0$1,461,840
55$2,296,668$53,899$0$1,530,682
56$2,446,134$0$0$1,605,263
57$2,608,175$0$0$1,694,892
58$2,783,989$0$0$1,810,207
59$2,974,893$0$0$1,935,470
60$3,182,339$0$0$2,071,640
61$3,407,920$0$0$2,219,770
62$3,653,392$0$0$2,381,019
63$3,920,684$0$0$2,556,662
64$4,211,921$0$0$2,748,104
65$4,529,442$0$0$2,956,889
66$4,875,818$0$0$3,184,717
67$5,253,883$0$0$3,433,459
68$5,666,753$0$0$3,705,176
69$6,117,861$0$0$4,002,136
70$6,610,984$0$0$4,326,835
71$7,150,283$0$0$4,682,022
72$7,740,337$0$0$5,070,725
73$8,386,189$0$0$5,496,276
74$9,093,393$0$0$5,962,346
75$9,868,064$0$0$6,472,977
76$10,716,936$0$0$7,032,620
77$11,647,427$0$0$7,646,177
78$12,667,705$0$0$8,319,049
79$13,786,766$0$0$9,057,182
80$15,014,521$0$0$9,867,127
81$16,361,884$0$0$10,756,099
82$17,840,879$0$0$11,732,045
83$19,464,749$0$0$12,803,721
84$21,248,082$0$0$13,980,770
85$23,206,950$0$0$15,273,818
86$25,359,058$0$0$16,694,566
87$27,723,907$0$0$18,255,910
88$30,322,985$0$0$19,972,054
89$33,179,964$0$0$21,858,647
90$36,320,921$0$0$23,932,929
91$39,774,589$0$0$26,213,897
92$43,572,622$0$0$28,722,477
93$47,749,897$0$0$31,481,727
94$52,344,839$0$0$34,517,052
95$57,399,786$0$0$37,856,442
96$62,961,384$0$0$41,530,738
97$69,081,030$0$0$45,573,919
98$75,815,353$0$0$50,023,426
99$83,226,752$0$0$54,920,514
100$91,383,977$0$0$60,310,637