Can I retire at age 35 with 728,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $6,832 every year, while hoping to spend $53,352 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: 52/33/15 Blend
34$728,000$728,000$728,000$728,000
35$809,303$770,719$759,435$847,771
36$835,086$751,718$728,110$855,849
37$861,711$729,998$693,948$858,424
38$889,206$705,369$656,796$860,032
39$917,604$677,631$616,498$860,597
40$946,936$646,572$572,886$860,038
41$977,235$611,965$525,790$858,271
42$1,008,537$573,576$475,028$855,204
43$1,040,878$531,151$420,411$850,743
44$1,074,296$484,426$361,743$844,788
45$1,108,831$433,119$298,819$837,232
46$1,144,524$376,935$231,422$827,964
47$1,181,420$315,559$159,329$816,865
48$1,219,564$248,661$82,306$803,811
49$1,259,005$175,890$108$788,671
50$1,299,792$96,877$0$771,307
51$1,341,980$11,233$0$765,594
52$1,385,623$0$0$758,287
53$1,430,780$0$0$778,831
54$1,477,514$0$0$804,318
55$1,525,891$0$0$830,705
56$1,575,978$0$0$858,031
57$1,627,849$0$0$886,335
58$1,681,581$0$0$915,662
59$1,737,256$0$0$946,055
60$1,794,961$0$0$977,565
61$1,854,787$0$0$1,010,240
62$1,916,833$0$0$1,044,138
63$1,981,203$0$0$1,079,314
64$2,048,008$0$0$1,115,832
65$2,117,365$0$0$1,153,757
66$2,189,402$0$0$1,193,160
67$2,264,252$0$0$1,234,117
68$2,342,060$0$0$1,276,707
69$2,422,980$0$0$1,321,018
70$2,507,179$0$0$1,367,142
71$2,594,832$0$0$1,415,180
72$2,686,132$0$0$1,465,238
73$2,781,283$0$0$1,517,432
74$2,880,507$0$0$1,571,885
75$2,984,040$0$0$1,628,733
76$3,092,140$0$0$1,688,120
77$3,205,084$0$0$1,750,201
78$3,323,170$0$0$1,815,147
79$3,446,724$0$0$1,883,139
80$3,576,094$0$0$1,954,376
81$3,711,661$0$0$2,029,073
82$3,853,836$0$0$2,107,463
83$4,003,066$0$0$2,189,798
84$4,159,835$0$0$2,276,353
85$4,324,672$0$0$2,367,428
86$4,498,149$0$0$2,463,348
87$4,680,889$0$0$2,564,466
88$4,873,573$0$0$2,671,168
89$5,076,941$0$0$2,783,876
90$5,291,799$0$0$2,903,048
91$5,519,029$0$0$3,029,185
92$5,759,591$0$0$3,162,833
93$6,014,536$0$0$3,304,591
94$6,285,010$0$0$3,455,112
95$6,572,268$0$0$3,615,109
96$6,877,682$0$0$3,785,364
97$7,202,751$0$0$3,966,733
98$7,549,119$0$0$4,160,153
99$7,918,584$0$0$4,366,649
100$8,313,118$0$0$4,587,346