Can I retire at age 35 with 731,000?

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 $731,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$60,365$59,828$59,303$58,791$58,291$56,629
2 years$29,884$29,327$28,788$28,265$27,758$26,096
3 years$19,725$19,166$18,628$18,110$17,611$16,002
4 years$14,646$14,089$13,556$13,047$12,560$11,016
5 years$11,600$11,046$10,520$10,021$9,548$8,073
6 years$9,569$9,020$8,502$8,014$7,555$6,151
7 years$8,120$7,575$7,065$6,589$6,144$4,811
8 years$7,033$6,493$5,992$5,527$5,097$3,833
9 years$6,188$5,653$5,161$4,708$4,293$3,097
10 years$5,513$4,983$4,499$4,058$3,657$2,529
11 years$4,961$4,436$3,961$3,532$3,146$2,082
12 years$4,501$3,982$3,515$3,098$2,726$1,725
13 years$4,112$3,598$3,141$2,735$2,377$1,437
14 years$3,779$3,271$2,822$2,428$2,084$1,202
15 years$3,491$2,988$2,548$2,165$1,835$1,009
16 years$3,239$2,741$2,310$1,939$1,621$850
17 years$3,016$2,525$2,102$1,742$1,438$717
18 years$2,819$2,333$1,919$1,570$1,278$606
19 years$2,643$2,162$1,757$1,418$1,139$513
20 years$2,484$2,009$1,612$1,285$1,018$435
21 years$2,341$1,871$1,483$1,166$911$370
22 years$2,211$1,747$1,367$1,060$816$314
23 years$2,093$1,634$1,262$965$733$267
24 years$1,984$1,531$1,167$881$659$228
25 years$1,885$1,437$1,081$804$593$194
26 years$1,793$1,350$1,002$735$534$165
27 years$1,708$1,271$931$673$481$141
28 years$1,629$1,197$865$617$434$120
29 years$1,556$1,130$805$565$392$102
30 years$1,488$1,067$750$519$354$87
31 years$1,424$1,008$699$477$320$75
32 years$1,365$954$652$438$290$64
33 years$1,309$904$609$403$262$54
34 years$1,257$856$569$371$237$46
35 years$1,207$812$532$341$215$40
36 years$1,161$771$498$314$195$34
37 years$1,117$732$466$290$177$29
38 years$1,076$696$436$267$160$25
39 years$1,037$662$409$246$145$21
40 years$999$630$383$227$132$18
41 years$964$599$359$209$119$15
42 years$931$571$337$193$108$13
43 years$899$544$316$178$98$11
44 years$869$518$297$165$89$10
45 years$840$494$279$152$81$8
46 years$812$472$262$141$74$7
47 years$786$450$246$130$67$6
48 years$761$430$231$120$61$5
49 years$737$410$217$111$55$4
50 years$714$392$204$102$50$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $731,000, adding $6,664 every year, while hoping to spend $24,798 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: 74/14/12 Blend
34$731,000$731,000$731,000$731,000
35$812,436$773,693$762,362$870,104
36$868,919$785,219$761,517$920,626
37$930,333$796,479$759,811$972,221
38$997,154$807,433$757,192$1,028,070
39$1,069,906$818,039$753,600$1,088,587
40$1,149,167$828,254$748,976$1,154,227
41$1,235,571$838,027$743,256$1,225,496
42$1,329,818$847,309$736,374$1,302,946
43$1,432,677$856,045$728,260$1,387,188
44$1,544,995$864,177$718,842$1,478,897
45$1,667,705$871,641$708,043$1,578,813
46$1,801,832$878,373$695,783$1,687,754
47$1,948,506$884,301$681,980$1,806,620
48$2,108,973$889,350$666,545$1,936,406
49$2,284,601$893,441$649,387$2,078,204
50$2,476,899$896,489$630,411$2,233,221
51$2,687,529$898,403$609,516$2,402,786
52$2,918,319$899,087$586,597$2,588,364
53$3,171,286$898,440$561,545$2,791,568
54$3,448,646$896,353$534,247$3,014,180
55$3,752,845$892,711$504,581$3,258,159
56$4,086,574$887,393$472,423$3,525,668
57$4,452,797$880,268$437,642$3,819,090
58$4,854,782$871,200$400,102$4,141,051
59$5,296,124$860,044$359,660$4,494,444
60$5,780,787$846,645$316,168$4,882,462
61$6,313,137$830,839$269,468$5,308,621
62$6,897,981$812,455$219,400$5,776,796
63$7,540,618$791,308$165,793$6,291,261
64$8,246,884$767,205$108,469$6,856,723
65$9,023,208$739,940$47,245$7,478,374
66$9,876,674$709,296$0$8,161,934
67$10,815,087$675,043$0$8,916,025
68$11,847,044$636,938$0$9,751,887
69$12,982,018$594,724$0$10,671,152
70$14,230,446$548,128$0$11,682,290
71$15,603,829$496,864$0$12,794,638
72$17,114,836$440,626$0$14,018,482
73$18,777,427$379,095$0$15,365,160
74$20,606,984$311,930$0$16,847,164
75$22,620,455$238,773$0$18,478,264
76$24,836,514$159,246$0$20,273,632
77$27,275,738$72,948$0$22,249,988
78$29,960,798$0$0$24,425,759
79$32,916,677$0$0$26,824,417
80$36,170,902$0$0$29,477,590
81$39,753,804$0$0$32,398,775
82$43,698,807$0$0$35,615,227
83$48,042,738$0$0$39,156,977
84$52,826,180$0$0$43,057,120
85$58,093,851$0$0$47,352,120
86$63,895,024$0$0$52,082,160
87$70,283,999$0$0$57,291,519
88$77,320,608$0$0$63,028,986
89$85,070,781$0$0$69,348,328
90$93,607,171$0$0$76,308,790
91$103,009,837$0$0$83,975,657
92$113,366,999$0$0$92,420,871
93$124,775,871$0$0$101,723,708
94$137,343,580$0$0$111,971,524
95$151,188,173$0$0$123,260,586
96$166,439,734$0$0$135,696,974
97$183,241,611$0$0$149,397,582
98$201,751,767$0$0$164,491,228
99$222,144,275$0$0$181,119,860
100$244,610,953$0$0$199,439,905