Can I retire at age 35 with 728,000?

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 $728,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$60,118$59,582$59,060$58,550$58,052$56,787
2 years$29,761$29,207$28,670$28,149$27,644$26,376
3 years$19,644$19,087$18,551$18,035$17,538$16,307
4 years$14,586$14,031$13,501$12,993$12,508$11,323
5 years$11,552$11,000$10,477$9,980$9,509$8,372
6 years$9,530$8,983$8,467$7,981$7,524$6,438
7 years$8,087$7,544$7,036$6,562$6,119$5,084
8 years$7,004$6,466$5,967$5,505$5,076$4,092
9 years$6,163$5,630$5,139$4,689$4,275$3,340
10 years$5,490$4,963$4,481$4,042$3,642$2,756
11 years$4,940$4,418$3,945$3,517$3,133$2,294
12 years$4,482$3,965$3,501$3,085$2,715$1,922
13 years$4,095$3,583$3,128$2,724$2,367$1,620
14 years$3,763$3,257$2,810$2,418$2,075$1,371
15 years$3,476$2,976$2,537$2,156$1,827$1,164
16 years$3,225$2,730$2,300$1,931$1,615$992
17 years$3,004$2,514$2,093$1,735$1,432$848
18 years$2,808$2,323$1,911$1,563$1,273$726
19 years$2,632$2,153$1,749$1,413$1,135$623
20 years$2,474$2,001$1,606$1,279$1,014$535
21 years$2,332$1,864$1,477$1,161$907$460
22 years$2,202$1,740$1,361$1,056$813$396
23 years$2,084$1,627$1,257$962$730$342
24 years$1,976$1,525$1,162$877$656$295
25 years$1,877$1,431$1,076$801$590$255
26 years$1,785$1,345$998$732$532$220
27 years$1,701$1,265$927$670$479$190
28 years$1,623$1,192$862$614$433$164
29 years$1,550$1,125$802$563$391$142
30 years$1,482$1,062$747$517$353$123
31 years$1,419$1,004$696$475$319$107
32 years$1,359$950$650$436$289$92
33 years$1,304$900$607$401$261$80
34 years$1,252$853$567$369$236$69
35 years$1,202$809$530$340$214$60
36 years$1,156$768$496$313$194$52
37 years$1,113$729$464$288$176$45
38 years$1,071$693$435$266$159$39
39 years$1,032$659$407$245$145$34
40 years$995$627$382$226$131$29
41 years$960$597$358$209$119$25
42 years$927$568$336$192$108$22
43 years$895$542$315$178$98$19
44 years$865$516$296$164$89$17
45 years$836$492$278$151$81$14
46 years$809$470$261$140$73$12
47 years$783$448$245$129$67$11
48 years$758$428$230$119$60$9
49 years$734$409$216$110$55$8
50 years$711$390$203$102$50$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $728,000, adding $3,662 every year, while hoping to spend $43,059 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: 69/6/25 Blend
34$728,000$728,000$728,000$728,000
35$806,033$767,449$756,165$856,261
36$842,434$759,240$735,682$882,182
37$881,105$749,185$713,070$905,229
38$922,232$737,149$688,212$929,442
39$966,017$722,988$660,985$954,935
40$1,012,686$706,548$631,263$981,836
41$1,062,480$687,670$598,911$1,010,285
42$1,115,669$666,181$563,790$1,040,439
43$1,172,544$641,901$525,754$1,072,472
44$1,233,427$614,638$484,650$1,106,577
45$1,298,671$584,190$440,321$1,142,968
46$1,368,663$550,342$392,598$1,181,883
47$1,443,825$512,867$341,309$1,223,586
48$1,524,624$471,527$286,271$1,268,367
49$1,611,571$426,067$227,297$1,316,552
50$1,705,226$376,219$164,186$1,368,498
51$1,806,206$321,701$96,734$1,424,605
52$1,915,189$262,214$24,724$1,485,311
53$2,032,917$197,441$0$1,551,104
54$2,160,208$127,050$0$1,636,430
55$2,297,962$50,687$0$1,735,923
56$2,447,164$0$0$1,843,708
57$2,608,902$0$0$1,962,700
58$2,784,368$0$0$2,095,459
59$2,974,877$0$0$2,239,634
60$3,181,873$0$0$2,396,324
61$3,406,945$0$0$2,566,736
62$3,651,841$0$0$2,752,198
63$3,918,483$0$0$2,954,173
64$4,208,989$0$0$3,174,269
65$4,525,687$0$0$3,414,256
66$4,871,141$0$0$3,676,082
67$5,248,172$0$0$3,961,893
68$5,659,886$0$0$4,274,047
69$6,109,701$0$0$4,615,144
70$6,601,381$0$0$4,988,046
71$7,139,070$0$0$5,395,901
72$7,727,331$0$0$5,842,179
73$8,371,186$0$0$6,330,697
74$9,076,168$0$0$6,865,662
75$9,848,368$0$0$7,451,704
76$10,694,496$0$0$8,093,924
77$11,621,939$0$0$8,797,937
78$12,638,834$0$0$9,569,930
79$13,754,143$0$0$10,416,717
80$14,977,737$0$0$11,345,801
81$16,320,489$0$0$12,365,450
82$17,794,375$0$0$13,484,767
83$19,412,588$0$0$14,713,783
84$21,189,658$0$0$16,063,546
85$23,141,594$0$0$17,546,227
86$25,286,032$0$0$19,175,234
87$27,642,398$0$0$20,965,337
88$30,232,094$0$0$22,932,809
89$33,078,701$0$0$25,095,576
90$36,208,193$0$0$27,473,390
91$39,649,191$0$0$30,088,011
92$43,433,225$0$0$32,963,411
93$47,595,035$0$0$36,126,004
94$52,172,896$0$0$39,604,892
95$57,208,978$0$0$43,432,138
96$62,749,745$0$0$47,643,072
97$68,846,393$0$0$52,276,617
98$75,555,328$0$0$57,375,664
99$82,938,703$0$0$62,987,469
100$91,064,998$0$0$69,164,102