Can I retire at age 35 with 729,000?

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 $729,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$60,200$59,664$59,141$58,630$58,131$55,847
2 years$29,802$29,247$28,709$28,188$27,682$25,408
3 years$19,671$19,113$18,577$18,060$17,562$15,371
4 years$14,606$14,050$13,519$13,011$12,526$10,434
5 years$11,568$11,016$10,491$9,994$9,522$7,534
6 years$9,543$8,995$8,479$7,992$7,534$5,653
7 years$8,098$7,554$7,046$6,571$6,127$4,351
8 years$7,014$6,475$5,975$5,512$5,083$3,410
9 years$6,171$5,638$5,147$4,695$4,281$2,708
10 years$5,498$4,969$4,487$4,047$3,647$2,173
11 years$4,947$4,424$3,950$3,522$3,137$1,757
12 years$4,488$3,971$3,506$3,090$2,718$1,429
13 years$4,101$3,588$3,132$2,728$2,371$1,168
14 years$3,769$3,262$2,814$2,421$2,078$958
15 years$3,481$2,980$2,541$2,159$1,830$788
16 years$3,230$2,734$2,304$1,933$1,617$650
17 years$3,008$2,518$2,096$1,737$1,434$538
18 years$2,811$2,326$1,914$1,566$1,275$445
19 years$2,636$2,156$1,752$1,415$1,136$369
20 years$2,478$2,004$1,608$1,281$1,015$306
21 years$2,335$1,866$1,479$1,163$908$255
22 years$2,205$1,742$1,363$1,057$814$212
23 years$2,087$1,629$1,258$963$731$176
24 years$1,979$1,527$1,164$878$657$147
25 years$1,879$1,433$1,078$802$591$122
26 years$1,788$1,346$1,000$733$532$102
27 years$1,703$1,267$928$671$480$85
28 years$1,625$1,194$863$615$433$71
29 years$1,552$1,126$803$564$391$59
30 years$1,484$1,064$748$518$353$49
31 years$1,421$1,006$697$475$320$41
32 years$1,361$952$651$437$289$34
33 years$1,306$901$608$402$262$29
34 years$1,253$854$568$370$237$24
35 years$1,204$810$531$340$214$20
36 years$1,158$769$496$313$194$17
37 years$1,114$730$465$289$176$14
38 years$1,073$694$435$266$160$12
39 years$1,034$660$408$245$145$10
40 years$997$628$382$226$131$8
41 years$962$598$358$209$119$7
42 years$928$569$336$193$108$6
43 years$896$542$315$178$98$5
44 years$866$517$296$164$89$4
45 years$837$493$278$152$81$3
46 years$810$470$261$140$73$3
47 years$784$449$245$129$67$2
48 years$759$428$231$120$61$2
49 years$735$409$217$111$55$2
50 years$712$391$204$102$50$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $729,000, adding $5,276 every year, while hoping to spend $37,892 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: 41/45/14 Blend
34$729,000$729,000$729,000$729,000
35$808,800$770,163$758,864$838,415
36$850,981$767,584$743,969$857,237
37$896,194$763,609$727,305$873,465
38$944,709$758,129$708,773$890,207
39$996,822$751,030$688,269$907,527
40$1,052,856$742,188$665,684$925,498
41$1,113,167$731,476$640,905$944,205
42$1,178,148$718,756$613,813$963,742
43$1,248,227$703,883$584,283$984,216
44$1,323,876$686,703$552,187$1,005,750
45$1,405,613$667,053$517,387$1,028,482
46$1,494,009$644,762$479,743$1,052,566
47$1,589,690$619,647$439,106$1,078,180
48$1,693,343$591,515$395,321$1,105,521
49$1,805,727$560,162$348,227$1,134,810
50$1,927,673$525,372$297,655$1,166,298
51$2,060,098$486,917$243,428$1,200,265
52$2,204,007$444,555$185,362$1,237,027
53$2,360,509$398,032$123,265$1,276,934
54$2,530,823$347,077$56,936$1,320,383
55$2,716,289$291,406$0$1,367,813
56$2,918,383$230,718$0$1,421,787
57$3,138,730$164,694$0$1,489,998
58$3,379,116$93,000$0$1,564,580
59$3,641,508$15,280$0$1,646,256
60$3,928,074$0$0$1,735,825
61$4,241,195$0$0$1,868,268
62$4,583,497$0$0$2,021,415
63$4,957,870$0$0$2,189,005
64$5,367,495$0$0$2,372,473
65$5,815,874$0$0$2,573,401
66$6,306,867$0$0$2,793,530
67$6,844,721$0$0$3,034,778
68$7,434,115$0$0$3,299,257
69$8,080,200$0$0$3,589,293
70$8,788,652$0$0$3,907,449
71$9,565,721$0$0$4,256,546
72$10,418,290$0$0$4,639,692
73$11,353,943$0$0$5,060,313
74$12,381,032$0$0$5,522,179
75$13,508,756$0$0$6,029,445
76$14,747,252$0$0$6,586,688
77$16,107,683$0$0$7,198,951
78$17,602,348$0$0$7,871,788
79$19,244,798$0$0$8,611,319
80$21,049,958$0$0$9,424,284
81$23,034,274$0$0$10,318,113
82$25,215,862$0$0$11,300,987
83$27,614,683$0$0$12,381,923
84$30,252,728$0$0$13,570,854
85$33,154,226$0$0$14,878,724
86$36,345,873$0$0$16,317,591
87$39,857,079$0$0$17,900,742
88$43,720,252$0$0$19,642,816
89$47,971,098$0$0$21,559,940
90$52,648,959$0$0$23,669,889
91$57,797,183$0$0$25,992,244
92$63,463,534$0$0$28,548,582
93$69,700,640$0$0$31,362,677
94$76,566,492$0$0$34,460,728
95$84,124,987$0$0$37,871,601
96$92,446,533$0$0$41,627,103
97$101,608,711$0$0$45,762,282
98$111,697,010$0$0$50,315,760
99$122,805,628$0$0$55,330,094
100$135,038,363$0$0$60,852,176