Can I retire at age 35 with 731,000?

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 $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%13.1%
1 years$60,365$59,828$59,303$58,791$58,291$57,539
2 years$29,884$29,327$28,788$28,265$27,758$27,001
3 years$19,725$19,166$18,628$18,110$17,611$16,873
4 years$14,646$14,089$13,556$13,047$12,560$11,847
5 years$11,600$11,046$10,520$10,021$9,548$8,861
6 years$9,569$9,020$8,502$8,014$7,555$6,896
7 years$8,120$7,575$7,065$6,589$6,144$5,513
8 years$7,033$6,493$5,992$5,527$5,097$4,494
9 years$6,188$5,653$5,161$4,708$4,293$3,717
10 years$5,513$4,983$4,499$4,058$3,657$3,109
11 years$4,961$4,436$3,961$3,532$3,146$2,623
12 years$4,501$3,982$3,515$3,098$2,726$2,230
13 years$4,112$3,598$3,141$2,735$2,377$1,906
14 years$3,779$3,271$2,822$2,428$2,084$1,637
15 years$3,491$2,988$2,548$2,165$1,835$1,412
16 years$3,239$2,741$2,310$1,939$1,621$1,222
17 years$3,016$2,525$2,102$1,742$1,438$1,061
18 years$2,819$2,333$1,919$1,570$1,278$923
19 years$2,643$2,162$1,757$1,418$1,139$804
20 years$2,484$2,009$1,612$1,285$1,018$703
21 years$2,341$1,871$1,483$1,166$911$615
22 years$2,211$1,747$1,367$1,060$816$538
23 years$2,093$1,634$1,262$965$733$472
24 years$1,984$1,531$1,167$881$659$414
25 years$1,885$1,437$1,081$804$593$364
26 years$1,793$1,350$1,002$735$534$320
27 years$1,708$1,271$931$673$481$282
28 years$1,629$1,197$865$617$434$248
29 years$1,556$1,130$805$565$392$218
30 years$1,488$1,067$750$519$354$192
31 years$1,424$1,008$699$477$320$170
32 years$1,365$954$652$438$290$150
33 years$1,309$904$609$403$262$132
34 years$1,257$856$569$371$237$116
35 years$1,207$812$532$341$215$103
36 years$1,161$771$498$314$195$91
37 years$1,117$732$466$290$177$80
38 years$1,076$696$436$267$160$71
39 years$1,037$662$409$246$145$62
40 years$999$630$383$227$132$55
41 years$964$599$359$209$119$49
42 years$931$571$337$193$108$43
43 years$899$544$316$178$98$38
44 years$869$518$297$165$89$34
45 years$840$494$279$152$81$30
46 years$812$472$262$141$74$26
47 years$786$450$246$130$67$23
48 years$761$430$231$120$61$21
49 years$737$410$217$111$55$18
50 years$714$392$204$102$50$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $731,000, adding $2,261 every year, while hoping to spend $39,120 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: 38/35/27 Blend
34$731,000$731,000$731,000$731,000
35$807,894$769,151$757,821$832,022
36$848,676$765,216$741,584$845,980
37$892,306$759,777$723,493$857,290
38$939,035$752,719$703,443$868,760
39$989,134$743,921$681,326$880,428
40$1,042,905$733,252$657,030$892,342
41$1,100,676$720,576$630,435$904,555
42$1,162,809$705,748$601,418$917,132
43$1,229,700$688,614$569,850$930,147
44$1,301,784$669,011$535,595$943,683
45$1,379,541$646,768$498,513$957,839
46$1,463,496$621,701$458,455$972,727
47$1,554,226$593,618$415,267$988,476
48$1,652,367$562,315$368,788$1,005,230
49$1,758,616$527,576$318,849$1,023,157
50$1,873,740$489,172$265,276$1,042,444
51$1,998,582$446,862$207,884$1,063,306
52$2,134,071$400,392$146,481$1,085,983
53$2,281,226$349,491$80,868$1,110,748
54$2,441,169$293,874$10,835$1,137,908
55$2,615,135$233,241$0$1,167,809
56$2,804,482$167,273$0$1,219,250
57$3,010,705$95,635$0$1,278,783
58$3,235,448$17,972$0$1,343,844
59$3,480,520$0$0$1,415,052
60$3,747,914$0$0$1,518,549
61$4,039,822$0$0$1,639,184
62$4,358,658$0$0$1,771,045
63$4,707,078$0$0$1,915,242
64$5,088,008$0$0$2,073,000
65$5,504,669$0$0$2,245,665
66$5,960,606$0$0$2,434,719
67$6,459,723$0$0$2,641,798
68$7,006,322$0$0$2,868,698
69$7,605,137$0$0$3,117,402
70$8,261,382$0$0$3,390,090
71$8,980,800$0$0$3,689,167
72$9,769,717$0$0$4,017,277
73$10,635,100$0$0$4,377,337
74$11,584,620$0$0$4,772,557
75$12,626,731$0$0$5,206,475
76$13,770,742$0$0$5,682,987
77$15,026,910$0$0$6,206,384
78$16,406,530$0$0$6,781,396
79$17,922,048$0$0$7,413,231
80$19,587,173$0$0$8,107,627
81$21,417,009$0$0$8,870,906
82$23,428,195$0$0$9,710,033
83$25,639,061$0$0$10,632,682
84$28,069,803$0$0$11,647,306
85$30,742,671$0$0$12,763,219
86$33,682,178$0$0$13,990,683
87$36,915,334$0$0$15,341,007
88$40,471,894$0$0$16,826,646
89$44,384,647$0$0$18,461,327
90$48,689,716$0$0$20,260,174
91$53,426,904$0$0$22,239,851
92$58,640,066$0$0$24,418,719
93$64,377,524$0$0$26,817,010
94$70,692,523$0$0$29,457,014
95$77,643,730$0$0$32,363,297
96$85,295,787$0$0$35,562,922
97$93,719,925$0$0$39,085,714
98$102,994,629$0$0$42,964,536
99$113,206,385$0$0$47,235,597
100$124,450,488$0$0$51,938,801