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%16.2%
1 years$59,952$59,418$58,897$58,389$57,892$56,424
2 years$29,679$29,127$28,591$28,072$27,568$26,098
3 years$19,590$19,035$18,500$17,986$17,490$16,065
4 years$14,546$13,992$13,463$12,958$12,474$11,104
5 years$11,520$10,970$10,448$9,953$9,483$8,172
6 years$9,504$8,958$8,444$7,959$7,503$6,253
7 years$8,064$7,523$7,017$6,544$6,102$4,913
8 years$6,985$6,449$5,951$5,489$5,062$3,933
9 years$6,146$5,615$5,125$4,676$4,263$3,193
10 years$5,475$4,949$4,468$4,031$3,632$2,621
11 years$4,927$4,406$3,934$3,508$3,124$2,169
12 years$4,470$3,954$3,491$3,077$2,707$1,806
13 years$4,084$3,574$3,119$2,716$2,361$1,513
14 years$3,753$3,248$2,803$2,411$2,069$1,273
15 years$3,467$2,967$2,530$2,150$1,822$1,074
16 years$3,216$2,723$2,294$1,925$1,610$910
17 years$2,996$2,507$2,088$1,730$1,428$772
18 years$2,800$2,317$1,906$1,559$1,270$657
19 years$2,625$2,147$1,745$1,409$1,132$560
20 years$2,467$1,995$1,601$1,276$1,011$477
21 years$2,325$1,859$1,473$1,158$905$408
22 years$2,196$1,735$1,357$1,053$811$349
23 years$2,078$1,623$1,253$959$728$299
24 years$1,971$1,520$1,159$875$654$256
25 years$1,872$1,427$1,074$799$589$219
26 years$1,781$1,341$996$730$530$188
27 years$1,696$1,262$925$668$478$161
28 years$1,618$1,189$859$612$431$139
29 years$1,545$1,122$800$562$390$119
30 years$1,478$1,059$745$515$352$102
31 years$1,415$1,002$695$473$318$88
32 years$1,356$948$648$435$288$76
33 years$1,300$897$605$400$260$65
34 years$1,248$851$565$368$236$56
35 years$1,199$807$529$339$214$48
36 years$1,153$766$494$312$194$41
37 years$1,110$727$463$288$175$35
38 years$1,068$691$433$265$159$31
39 years$1,029$657$406$244$144$26
40 years$993$625$381$225$131$23
41 years$958$595$357$208$119$19
42 years$924$567$335$192$108$17
43 years$893$540$314$177$98$14
44 years$863$515$295$164$89$12
45 years$834$491$277$151$81$11
46 years$807$468$260$140$73$9
47 years$780$447$244$129$66$8
48 years$756$427$230$119$60$7
49 years$732$407$216$110$55$6
50 years$709$389$203$102$50$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $726,000, adding $6,967 every year, while hoping to spend $49,177 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: 80/5/15 Blend
34$726,000$726,000$726,000$726,000
35$807,238$768,760$757,507$868,775
36$837,253$754,106$730,560$895,591
37$868,680$737,085$701,062$917,978
38$901,614$717,530$668,875$941,148
39$936,152$695,263$633,856$965,157
40$972,405$670,096$595,856$990,068
41$1,010,489$641,830$554,716$1,015,949
42$1,050,534$610,254$510,274$1,042,878
43$1,092,678$575,146$462,357$1,070,939
44$1,137,072$536,269$410,787$1,100,226
45$1,183,883$493,375$355,378$1,130,842
46$1,233,289$446,201$295,933$1,162,903
47$1,285,487$394,467$232,250$1,196,535
48$1,340,691$337,881$164,114$1,231,879
49$1,399,134$276,130$91,305$1,269,090
50$1,461,073$208,887$13,590$1,308,339
51$1,526,784$135,804$0$1,349,818
52$1,596,573$56,516$0$1,404,835
53$1,670,774$0$0$1,465,568
54$1,749,751$0$0$1,531,754
55$1,833,903$0$0$1,605,601
56$1,923,667$0$0$1,684,385
57$2,019,523$0$0$1,768,529
58$2,121,994$0$0$1,858,493
59$2,231,657$0$0$1,954,786
60$2,349,141$0$0$2,057,962
61$2,475,140$0$0$2,168,631
62$2,610,412$0$0$2,287,463
63$2,755,789$0$0$2,415,191
64$2,912,188$0$0$2,552,621
65$3,080,611$0$0$2,700,638
66$3,262,162$0$0$2,860,213
67$3,458,052$0$0$3,032,415
68$3,669,611$0$0$3,218,416
69$3,898,304$0$0$3,419,505
70$4,145,736$0$0$3,637,098
71$4,413,676$0$0$3,872,753
72$4,704,065$0$0$4,128,182
73$5,019,039$0$0$4,405,268
74$5,360,949$0$0$4,706,081
75$5,732,378$0$0$5,032,898
76$6,136,167$0$0$5,388,225
77$6,575,444$0$0$5,774,817
78$7,053,650$0$0$6,195,707
79$7,574,568$0$0$6,654,231
80$8,142,367$0$0$7,154,061
81$8,761,629$0$0$7,699,239
82$9,437,401$0$0$8,294,211
83$10,175,237$0$0$8,943,875
84$10,981,253$0$0$9,653,620
85$11,862,178$0$0$10,429,379
86$12,825,424$0$0$11,277,685
87$13,879,150$0$0$12,205,730
88$15,032,341$0$0$13,221,434
89$16,294,889$0$0$14,333,517
90$17,677,688$0$0$15,551,583
91$19,192,736$0$0$16,886,208
92$20,853,244$0$0$18,349,037
93$22,673,763$0$0$19,952,898
94$24,670,320$0$0$21,711,920
95$26,860,567$0$0$23,641,663
96$29,263,946$0$0$25,759,265
97$31,901,873$0$0$28,083,607
98$34,797,939$0$0$30,635,484
99$37,978,128$0$0$33,437,804
100$41,471,067$0$0$36,515,802