Can I retire at age 35 with 730,000?

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 $730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$60,283$59,746$59,222$58,711$58,211$55,902
2 years$29,843$29,287$28,748$28,226$27,720$25,421
3 years$19,698$19,139$18,602$18,085$17,586$15,372
4 years$14,626$14,070$13,538$13,029$12,543$10,429
5 years$11,584$11,031$10,506$10,008$9,535$7,527
6 years$9,556$9,007$8,490$8,003$7,545$5,644
7 years$8,109$7,564$7,055$6,580$6,136$4,342
8 years$7,024$6,484$5,984$5,520$5,090$3,401
9 years$6,180$5,646$5,154$4,702$4,287$2,699
10 years$5,505$4,976$4,493$4,053$3,652$2,164
11 years$4,954$4,430$3,956$3,527$3,141$1,749
12 years$4,495$3,976$3,510$3,094$2,722$1,421
13 years$4,106$3,593$3,136$2,731$2,374$1,161
14 years$3,774$3,266$2,818$2,425$2,081$952
15 years$3,486$2,984$2,544$2,162$1,832$783
16 years$3,234$2,738$2,307$1,936$1,619$645
17 years$3,012$2,521$2,099$1,740$1,436$533
18 years$2,815$2,330$1,916$1,568$1,277$441
19 years$2,639$2,159$1,754$1,417$1,138$365
20 years$2,481$2,006$1,610$1,283$1,016$303
21 years$2,338$1,869$1,481$1,164$910$252
22 years$2,208$1,745$1,365$1,059$815$209
23 years$2,090$1,632$1,260$964$732$174
24 years$1,982$1,529$1,165$879$658$145
25 years$1,882$1,435$1,079$803$592$120
26 years$1,790$1,348$1,001$734$533$100
27 years$1,706$1,269$930$672$481$83
28 years$1,627$1,196$864$616$434$70
29 years$1,554$1,128$804$565$392$58
30 years$1,486$1,065$749$518$354$48
31 years$1,422$1,007$698$476$320$40
32 years$1,363$953$652$437$289$34
33 years$1,307$902$608$402$262$28
34 years$1,255$855$568$370$237$23
35 years$1,206$811$531$341$215$19
36 years$1,159$770$497$314$195$16
37 years$1,116$731$465$289$176$14
38 years$1,074$695$436$266$160$11
39 years$1,035$661$408$246$145$9
40 years$998$629$383$227$132$8
41 years$963$598$359$209$119$7
42 years$929$570$337$193$108$5
43 years$898$543$316$178$98$5
44 years$867$518$296$164$89$4
45 years$839$494$278$152$81$3
46 years$811$471$261$140$74$3
47 years$785$449$246$130$67$2
48 years$760$429$231$120$61$2
49 years$736$410$217$111$55$2
50 years$713$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 $730,000, adding $4,100 every year, while hoping to spend $29,396 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: 39/31/30 Blend
34$730,000$730,000$730,000$730,000
35$808,689$769,999$758,684$832,909
36$859,898$776,452$752,823$857,508
37$915,346$782,236$745,780$881,099
38$975,432$787,287$737,485$906,060
39$1,040,599$791,537$727,864$932,535
40$1,111,332$794,914$716,839$960,685
41$1,188,165$797,341$704,330$990,689
42$1,271,684$798,737$690,251$1,022,747
43$1,362,535$799,014$674,514$1,057,081
44$1,461,428$798,081$657,025$1,093,937
45$1,569,146$795,840$637,688$1,133,590
46$1,686,549$792,186$616,400$1,176,344
47$1,814,584$787,009$593,056$1,222,537
48$1,954,292$780,194$567,544$1,272,544
49$2,106,821$771,614$539,748$1,326,783
50$2,273,434$761,140$509,547$1,385,716
51$2,455,520$748,632$476,812$1,449,855
52$2,654,610$733,942$441,413$1,519,769
53$2,872,389$716,914$403,209$1,596,089
54$3,110,712$697,382$362,056$1,679,513
55$3,371,623$675,172$317,803$1,770,816
56$3,657,370$650,097$270,291$1,870,855
57$3,970,431$621,962$219,355$1,980,579
58$4,313,535$590,558$164,824$2,101,042
59$4,689,687$555,666$106,516$2,233,406
60$5,102,195$517,054$44,245$2,378,961
61$5,554,705$474,476$0$2,539,133
62$6,051,232$427,672$0$2,722,608
63$6,596,198$376,368$0$2,939,599
64$7,194,475$320,274$0$3,177,928
65$7,851,427$259,084$0$3,439,799
66$8,572,967$192,474$0$3,727,648
67$9,365,606$120,101$0$4,044,162
68$10,236,518$41,606$0$4,392,305
69$11,193,604$0$0$4,775,349
70$12,245,571$0$0$5,211,707
71$13,402,011$0$0$5,707,109
72$14,673,491$0$0$6,251,902
73$16,071,653$0$0$6,851,089
74$17,609,323$0$0$7,510,179
75$19,300,634$0$0$8,235,245
76$21,161,156$0$0$9,032,977
77$23,208,045$0$0$9,910,746
78$25,460,203$0$0$10,876,675
79$27,938,457$0$0$11,939,712
80$30,665,754$0$0$13,109,718
81$33,667,378$0$0$14,397,557
82$36,971,191$0$0$15,815,201
83$40,607,889$0$0$17,375,842
84$44,611,298$0$0$19,094,013
85$49,018,689$0$0$20,985,732
86$53,871,130$0$0$23,068,647
87$59,213,875$0$0$25,362,203
88$65,096,789$0$0$27,887,830
89$71,574,818$0$0$30,669,139
90$78,708,508$0$0$33,732,149
91$86,564,575$0$0$37,105,531
92$95,216,537$0$0$40,820,878
93$104,745,403$0$0$44,913,004
94$115,240,443$0$0$49,420,271
95$126,800,024$0$0$54,384,953
96$139,532,540$0$0$59,853,632
97$153,557,440$0$0$65,877,642
98$169,006,345$0$0$72,513,547
99$186,024,300$0$0$79,823,680
100$204,771,134$0$0$87,876,730