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%12.1%
1 years$60,118$59,582$59,060$58,550$58,052$57,541
2 years$29,761$29,207$28,670$28,149$27,644$27,129
3 years$19,644$19,087$18,551$18,035$17,538$17,036
4 years$14,586$14,031$13,501$12,993$12,508$12,022
5 years$11,552$11,000$10,477$9,980$9,509$9,040
6 years$9,530$8,983$8,467$7,981$7,524$7,073
7 years$8,087$7,544$7,036$6,562$6,119$5,686
8 years$7,004$6,466$5,967$5,505$5,076$4,661
9 years$6,163$5,630$5,139$4,689$4,275$3,878
10 years$5,490$4,963$4,481$4,042$3,642$3,263
11 years$4,940$4,418$3,945$3,517$3,133$2,771
12 years$4,482$3,965$3,501$3,085$2,715$2,370
13 years$4,095$3,583$3,128$2,724$2,367$2,039
14 years$3,763$3,257$2,810$2,418$2,075$1,763
15 years$3,476$2,976$2,537$2,156$1,827$1,531
16 years$3,225$2,730$2,300$1,931$1,615$1,334
17 years$3,004$2,514$2,093$1,735$1,432$1,166
18 years$2,808$2,323$1,911$1,563$1,273$1,022
19 years$2,632$2,153$1,749$1,413$1,135$897
20 years$2,474$2,001$1,606$1,279$1,014$789
21 years$2,332$1,864$1,477$1,161$907$696
22 years$2,202$1,740$1,361$1,056$813$614
23 years$2,084$1,627$1,257$962$730$543
24 years$1,976$1,525$1,162$877$656$480
25 years$1,877$1,431$1,076$801$590$425
26 years$1,785$1,345$998$732$532$377
27 years$1,701$1,265$927$670$479$334
28 years$1,623$1,192$862$614$433$296
29 years$1,550$1,125$802$563$391$263
30 years$1,482$1,062$747$517$353$234
31 years$1,419$1,004$696$475$319$208
32 years$1,359$950$650$436$289$185
33 years$1,304$900$607$401$261$164
34 years$1,252$853$567$369$236$146
35 years$1,202$809$530$340$214$130
36 years$1,156$768$496$313$194$116
37 years$1,113$729$464$288$176$103
38 years$1,071$693$435$266$159$92
39 years$1,032$659$407$245$145$82
40 years$995$627$382$226$131$73
41 years$960$597$358$209$119$65
42 years$927$568$336$192$108$58
43 years$895$542$315$178$98$52
44 years$865$516$296$164$89$46
45 years$836$492$278$151$81$41
46 years$809$470$261$140$73$37
47 years$783$448$245$129$67$33
48 years$758$428$230$119$60$29
49 years$734$409$216$110$55$26
50 years$711$390$203$102$50$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $728,000, adding $6,857 every year, while hoping to spend $38,933 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: 35/35/30 Blend
34$728,000$728,000$728,000$728,000
35$809,329$770,745$759,461$830,163
36$850,456$767,087$743,479$842,778
37$894,473$761,945$725,656$852,424
38$941,634$755,205$705,890$862,095
39$992,218$746,747$684,074$871,823
40$1,046,528$736,441$660,094$881,642
41$1,104,901$724,154$633,835$891,597
42$1,167,704$709,741$605,171$901,737
43$1,235,341$693,050$573,976$912,123
44$1,308,257$673,920$540,115$922,826
45$1,386,937$652,180$503,447$933,927
46$1,471,917$627,649$463,825$945,522
47$1,563,787$600,138$421,097$957,719
48$1,663,191$569,443$375,102$970,644
49$1,770,841$535,351$325,673$984,442
50$1,887,520$497,635$272,635$999,276
51$2,014,084$456,057$215,806$1,015,333
52$2,151,481$410,364$154,996$1,032,827
53$2,300,749$360,288$90,005$1,051,999
54$2,463,031$305,549$20,626$1,073,122
55$2,639,586$245,846$0$1,096,504
56$2,831,797$180,866$0$1,139,592
57$3,041,188$110,275$0$1,193,837
58$3,269,433$33,723$0$1,253,146
59$3,518,378$0$0$1,318,095
60$3,790,052$0$0$1,408,256
61$4,086,690$0$0$1,520,982
62$4,410,752$0$0$1,644,232
63$4,764,946$0$0$1,779,049
64$5,152,253$0$0$1,926,582
65$5,575,955$0$0$2,088,093
66$6,039,668$0$0$2,264,977
67$6,547,370$0$0$2,458,765
68$7,103,446$0$0$2,671,147
69$7,712,721$0$0$2,903,982
70$8,380,511$0$0$3,159,318
71$9,112,669$0$0$3,439,411
72$9,915,645$0$0$3,746,745
73$10,796,538$0$0$4,084,057
74$11,763,172$0$0$4,454,363
75$12,824,162$0$0$4,860,982
76$13,988,999$0$0$5,307,573
77$15,268,139$0$0$5,798,165
78$16,673,096$0$0$6,337,198
79$18,216,559$0$0$6,929,563
80$19,912,503$0$0$7,580,647
81$21,776,326$0$0$8,296,386
82$23,824,991$0$0$9,083,320
83$26,077,185$0$0$9,948,652
84$28,553,497$0$0$10,900,323
85$31,276,611$0$0$11,947,076
86$34,271,518$0$0$13,098,548
87$37,565,754$0$0$14,365,355
88$41,189,656$0$0$15,759,196
89$45,176,650$0$0$17,292,958
90$49,563,565$0$0$18,980,843
91$54,390,980$0$0$20,838,499
92$59,703,608$0$0$22,883,166
93$65,550,714$0$0$25,133,843
94$71,986,581$0$0$27,611,461
95$79,071,021$0$0$30,339,086
96$86,869,941$0$0$33,342,133
97$95,455,962$0$0$36,648,608
98$104,909,103$0$0$40,289,369
99$115,317,539$0$0$44,298,419
100$126,778,428$0$0$48,713,228