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%16.9%
1 years$60,118$59,582$59,060$58,550$58,052$56,420
2 years$29,761$29,207$28,670$28,149$27,644$26,012
3 years$19,644$19,087$18,551$18,035$17,538$15,958
4 years$14,586$14,031$13,501$12,993$12,508$10,991
5 years$11,552$11,000$10,477$9,980$9,509$8,059
6 years$9,530$8,983$8,467$7,981$7,524$6,143
7 years$8,087$7,544$7,036$6,562$6,119$4,808
8 years$7,004$6,466$5,967$5,505$5,076$3,833
9 years$6,163$5,630$5,139$4,689$4,275$3,099
10 years$5,490$4,963$4,481$4,042$3,642$2,532
11 years$4,940$4,418$3,945$3,517$3,133$2,086
12 years$4,482$3,965$3,501$3,085$2,715$1,730
13 years$4,095$3,583$3,128$2,724$2,367$1,442
14 years$3,763$3,257$2,810$2,418$2,075$1,207
15 years$3,476$2,976$2,537$2,156$1,827$1,014
16 years$3,225$2,730$2,300$1,931$1,615$854
17 years$3,004$2,514$2,093$1,735$1,432$721
18 years$2,808$2,323$1,911$1,563$1,273$610
19 years$2,632$2,153$1,749$1,413$1,135$517
20 years$2,474$2,001$1,606$1,279$1,014$439
21 years$2,332$1,864$1,477$1,161$907$373
22 years$2,202$1,740$1,361$1,056$813$317
23 years$2,084$1,627$1,257$962$730$270
24 years$1,976$1,525$1,162$877$656$230
25 years$1,877$1,431$1,076$801$590$196
26 years$1,785$1,345$998$732$532$167
27 years$1,701$1,265$927$670$479$143
28 years$1,623$1,192$862$614$433$122
29 years$1,550$1,125$802$563$391$104
30 years$1,482$1,062$747$517$353$89
31 years$1,419$1,004$696$475$319$76
32 years$1,359$950$650$436$289$65
33 years$1,304$900$607$401$261$55
34 years$1,252$853$567$369$236$47
35 years$1,202$809$530$340$214$41
36 years$1,156$768$496$313$194$35
37 years$1,113$729$464$288$176$30
38 years$1,071$693$435$266$159$25
39 years$1,032$659$407$245$145$22
40 years$995$627$382$226$131$19
41 years$960$597$358$209$119$16
42 years$927$568$336$192$108$14
43 years$895$542$315$178$98$12
44 years$865$516$296$164$89$10
45 years$836$492$278$151$81$8
46 years$809$470$261$140$73$7
47 years$783$448$245$129$67$6
48 years$758$428$230$119$60$5
49 years$734$409$216$110$55$5
50 years$711$390$203$102$50$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $728,000, adding $2,699 every year, while hoping to spend $51,422 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: 55/36/9 Blend
34$728,000$728,000$728,000$728,000
35$805,040$766,456$755,172$847,408
36$832,441$749,300$725,758$859,214
37$860,914$729,579$693,634$866,169
38$890,514$707,115$658,657$872,509
39$921,299$681,716$620,675$878,184
40$953,332$653,181$579,529$883,141
41$986,682$621,297$535,053$887,326
42$1,021,421$585,838$487,074$890,683
43$1,057,627$546,565$435,413$893,150
44$1,095,385$503,227$379,879$894,668
45$1,134,786$455,557$320,276$895,172
46$1,175,927$403,272$256,399$894,596
47$1,218,915$346,075$188,031$892,873
48$1,263,863$283,651$114,949$889,930
49$1,310,895$215,668$36,918$885,697
50$1,360,145$141,775$0$880,099
51$1,411,758$61,600$0$877,513
52$1,465,892$0$0$877,481
53$1,522,716$0$0$886,405
54$1,582,416$0$0$921,439
55$1,645,194$0$0$958,302
56$1,711,269$0$0$997,126
57$1,780,878$0$0$1,038,054
58$1,854,282$0$0$1,081,242
59$1,931,763$0$0$1,126,861
60$2,013,630$0$0$1,175,095
61$2,100,220$0$0$1,226,148
62$2,191,900$0$0$1,280,241
63$2,289,071$0$0$1,337,616
64$2,392,172$0$0$1,398,537
65$2,501,682$0$0$1,463,293
66$2,618,125$0$0$1,532,201
67$2,742,076$0$0$1,605,606
68$2,874,162$0$0$1,683,888
69$3,015,071$0$0$1,767,461
70$3,165,557$0$0$1,856,782
71$3,326,446$0$0$1,952,348
72$3,498,642$0$0$2,054,706
73$3,683,138$0$0$2,164,456
74$3,881,024$0$0$2,282,255
75$4,093,493$0$0$2,408,827
76$4,321,858$0$0$2,544,963
77$4,567,556$0$0$2,691,534
78$4,832,170$0$0$2,849,495
79$5,117,433$0$0$3,019,896
80$5,425,254$0$0$3,203,890
81$5,757,726$0$0$3,402,744
82$6,117,152$0$0$3,617,851
83$6,506,062$0$0$3,850,742
84$6,927,236$0$0$4,103,100
85$7,383,734$0$0$4,376,775
86$7,878,917$0$0$4,673,802
87$8,416,483$0$0$4,996,420
88$9,000,499$0$0$5,347,090
89$9,635,439$0$0$5,728,522
90$10,326,224$0$0$6,143,694
91$11,078,271$0$0$6,595,887
92$11,897,538$0$0$7,088,707
93$12,790,583$0$0$7,626,126
94$13,764,622$0$0$8,212,514
95$14,827,600$0$0$8,852,683
96$15,988,259$0$0$9,551,927
97$17,256,226$0$0$10,316,077
98$18,642,095$0$0$11,151,551
99$20,157,534$0$0$12,065,414
100$21,815,387$0$0$13,065,449