Can I retire at age 35 with 726,000?

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 $726,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$59,952$59,418$58,897$58,389$57,892$56,747
2 years$29,679$29,127$28,591$28,072$27,568$26,418
3 years$19,590$19,035$18,500$17,986$17,490$16,373
4 years$14,546$13,992$13,463$12,958$12,474$11,398
5 years$11,520$10,970$10,448$9,953$9,483$8,450
6 years$9,504$8,958$8,444$7,959$7,503$6,515
7 years$8,064$7,523$7,017$6,544$6,102$5,159
8 years$6,985$6,449$5,951$5,489$5,062$4,164
9 years$6,146$5,615$5,125$4,676$4,263$3,410
10 years$5,475$4,949$4,468$4,031$3,632$2,822
11 years$4,927$4,406$3,934$3,508$3,124$2,356
12 years$4,470$3,954$3,491$3,077$2,707$1,981
13 years$4,084$3,574$3,119$2,716$2,361$1,675
14 years$3,753$3,248$2,803$2,411$2,069$1,422
15 years$3,467$2,967$2,530$2,150$1,822$1,212
16 years$3,216$2,723$2,294$1,925$1,610$1,037
17 years$2,996$2,507$2,088$1,730$1,428$889
18 years$2,800$2,317$1,906$1,559$1,270$764
19 years$2,625$2,147$1,745$1,409$1,132$658
20 years$2,467$1,995$1,601$1,276$1,011$567
21 years$2,325$1,859$1,473$1,158$905$490
22 years$2,196$1,735$1,357$1,053$811$423
23 years$2,078$1,623$1,253$959$728$367
24 years$1,971$1,520$1,159$875$654$317
25 years$1,872$1,427$1,074$799$589$275
26 years$1,781$1,341$996$730$530$239
27 years$1,696$1,262$925$668$478$207
28 years$1,618$1,189$859$612$431$180
29 years$1,545$1,122$800$562$390$156
30 years$1,478$1,059$745$515$352$136
31 years$1,415$1,002$695$473$318$118
32 years$1,356$948$648$435$288$103
33 years$1,300$897$605$400$260$89
34 years$1,248$851$565$368$236$78
35 years$1,199$807$529$339$214$68
36 years$1,153$766$494$312$194$59
37 years$1,110$727$463$288$175$51
38 years$1,068$691$433$265$159$45
39 years$1,029$657$406$244$144$39
40 years$993$625$381$225$131$34
41 years$958$595$357$208$119$29
42 years$924$567$335$192$108$26
43 years$893$540$314$177$98$22
44 years$863$515$295$164$89$19
45 years$834$491$277$151$81$17
46 years$807$468$260$140$73$15
47 years$780$447$244$129$66$13
48 years$756$427$230$119$60$11
49 years$732$407$216$110$55$10
50 years$709$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 $726,000, adding $6,679 every year, while hoping to spend $58,782 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: 71/13/16 Blend
34$726,000$726,000$726,000$726,000
35$806,941$768,463$757,210$860,795
36$826,706$743,575$720,033$872,560
37$846,516$715,496$679,641$877,718
38$866,315$684,009$635,863$881,847
39$886,037$648,884$588,522$884,835
40$905,608$609,875$537,433$886,563
41$924,946$566,724$482,403$886,896
42$943,955$519,158$423,228$885,691
43$962,530$466,889$359,698$882,791
44$980,552$409,610$291,591$878,025
45$997,887$347,000$218,679$871,206
46$1,014,386$278,717$140,719$862,131
47$1,029,882$204,402$57,461$850,579
48$1,044,186$123,675$0$836,309
49$1,057,092$36,134$0$824,416
50$1,068,365$0$0$820,072
51$1,077,747$0$0$821,582
52$1,084,949$0$0$826,534
53$1,089,650$0$0$829,508
54$1,091,492$0$0$830,223
55$1,090,079$0$0$828,368
56$1,084,970$0$0$823,598
57$1,075,677$0$0$815,530
58$1,061,657$0$0$803,739
59$1,042,309$0$0$787,753
60$1,016,968$0$0$767,050
61$984,894$0$0$741,053
62$945,271$0$0$709,120
63$897,194$0$0$670,543
64$839,662$0$0$624,539
65$771,566$0$0$570,237
66$691,681$0$0$506,681
67$598,653$0$0$432,807
68$490,984$0$0$347,443
69$367,017$0$0$249,292
70$224,922$0$0$136,922
71$62,679$0$0$8,749
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0