Can I retire at age 35 with 727,000?

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 $727,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$60,035$59,500$58,978$58,469$57,972$56,161
2 years$29,720$29,167$28,630$28,110$27,606$25,798
3 years$19,617$19,061$18,526$18,010$17,514$15,765
4 years$14,566$14,012$13,482$12,976$12,491$10,815
5 years$11,536$10,985$10,463$9,966$9,496$7,897
6 years$9,517$8,970$8,455$7,970$7,514$5,993
7 years$8,075$7,533$7,026$6,553$6,111$4,669
8 years$6,995$6,457$5,959$5,497$5,069$3,705
9 years$6,155$5,622$5,132$4,682$4,269$2,981
10 years$5,483$4,956$4,475$4,036$3,637$2,423
11 years$4,934$4,412$3,939$3,513$3,128$1,986
12 years$4,476$3,960$3,496$3,081$2,711$1,638
13 years$4,089$3,579$3,124$2,720$2,364$1,358
14 years$3,758$3,253$2,806$2,415$2,072$1,131
15 years$3,472$2,972$2,534$2,153$1,825$944
16 years$3,221$2,726$2,297$1,928$1,613$791
17 years$3,000$2,511$2,090$1,732$1,430$664
18 years$2,804$2,320$1,908$1,561$1,271$559
19 years$2,628$2,150$1,747$1,411$1,133$471
20 years$2,471$1,998$1,603$1,278$1,012$397
21 years$2,328$1,861$1,475$1,160$906$335
22 years$2,199$1,737$1,359$1,054$812$283
23 years$2,081$1,625$1,255$960$729$240
24 years$1,973$1,522$1,161$876$655$203
25 years$1,874$1,429$1,075$800$589$172
26 years$1,783$1,343$997$731$531$146
27 years$1,699$1,264$926$669$479$124
28 years$1,620$1,191$861$613$432$105
29 years$1,548$1,123$801$562$390$89
30 years$1,480$1,061$746$516$352$75
31 years$1,417$1,003$695$474$319$64
32 years$1,357$949$649$436$288$54
33 years$1,302$899$606$401$261$46
34 years$1,250$852$566$369$236$39
35 years$1,201$808$529$339$214$33
36 years$1,155$767$495$312$194$28
37 years$1,111$728$463$288$176$24
38 years$1,070$692$434$265$159$20
39 years$1,031$658$407$245$144$17
40 years$994$626$381$226$131$15
41 years$959$596$357$208$119$12
42 years$926$568$335$192$108$11
43 years$894$541$315$177$98$9
44 years$864$516$295$164$89$8
45 years$835$492$277$151$81$6
46 years$808$469$260$140$73$6
47 years$782$448$245$129$66$5
48 years$757$427$230$119$60$4
49 years$733$408$216$110$55$3
50 years$710$390$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 $727,000, adding $3,003 every year, while hoping to spend $34,088 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: 61/27/12 Blend
34$727,000$727,000$727,000$727,000
35$804,252$765,721$754,452$850,830
36$850,016$766,972$743,457$883,713
37$899,306$767,141$730,951$915,434
38$952,445$766,141$716,847$949,217
39$1,009,788$763,876$701,056$985,261
40$1,071,726$760,246$683,481$1,023,789
41$1,138,689$755,145$664,025$1,065,048
42$1,211,148$748,460$642,582$1,109,309
43$1,289,622$740,071$619,045$1,156,875
44$1,374,681$729,851$593,300$1,208,079
45$1,466,951$717,667$565,229$1,263,288
46$1,567,122$703,375$534,706$1,322,912
47$1,675,953$686,825$501,604$1,387,402
48$1,794,278$667,857$465,785$1,457,255
49$1,923,014$646,302$427,109$1,533,024
50$2,063,172$621,981$385,427$1,615,319
51$2,215,862$594,704$340,585$1,704,814
52$2,382,307$564,272$292,422$1,802,254
53$2,563,853$530,472$240,769$1,908,463
54$2,761,981$493,080$185,450$2,024,351
55$2,978,322$451,860$126,281$2,150,925
56$3,214,670$406,560$63,070$2,289,297
57$3,473,001$356,915$0$2,440,694
58$3,755,490$302,648$0$2,607,037
59$4,064,533$243,460$0$2,797,918
60$4,402,766$179,041$0$3,006,936
61$4,773,095$109,060$0$3,235,950
62$5,178,716$33,170$0$3,487,012
63$5,623,152$0$0$3,762,384
64$6,110,280$0$0$4,079,122
65$6,644,374$0$0$4,437,257
66$7,230,136$0$0$4,830,098
67$7,872,749$0$0$5,261,126
68$8,577,921$0$0$5,734,177
69$9,351,938$0$0$6,253,476
70$10,201,725$0$0$6,823,678
71$11,134,911$0$0$7,449,910
72$12,159,899$0$0$8,137,818
73$13,285,947$0$0$8,893,627
74$14,523,252$0$0$9,724,188
75$15,883,050$0$0$10,637,055
76$17,377,718$0$0$11,640,545
77$19,020,892$0$0$12,743,824
78$20,827,595$0$0$13,956,990
79$22,814,378$0$0$15,291,168
80$24,999,478$0$0$16,758,615
81$27,402,986$0$0$18,372,836
82$30,047,039$0$0$20,148,709
83$32,956,028$0$0$22,102,630
84$36,156,825$0$0$24,252,661
85$39,679,041$0$0$26,618,706
86$43,555,301$0$0$29,222,694
87$47,821,553$0$0$32,088,788
88$52,517,407$0$0$35,243,613
89$57,686,506$0$0$38,716,506
90$63,376,941$0$0$42,539,793
91$69,641,703$0$0$46,749,093
92$76,539,181$0$0$51,383,653
93$84,133,713$0$0$56,486,723
94$92,496,195$0$0$62,105,957
95$101,704,746$0$0$68,293,866
96$111,845,449$0$0$75,108,315
97$123,013,158$0$0$82,613,065
98$135,312,397$0$0$90,878,376
99$148,858,343$0$0$99,981,670
100$163,777,914$0$0$110,008,262