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%11.9%
1 years$60,365$59,828$59,303$58,791$58,291$57,827
2 years$29,884$29,327$28,788$28,265$27,758$27,290
3 years$19,725$19,166$18,628$18,110$17,611$17,153
4 years$14,646$14,089$13,556$13,047$12,560$12,117
5 years$11,600$11,046$10,520$10,021$9,548$9,121
6 years$9,569$9,020$8,502$8,014$7,555$7,144
7 years$8,120$7,575$7,065$6,589$6,144$5,749
8 years$7,033$6,493$5,992$5,527$5,097$4,719
9 years$6,188$5,653$5,161$4,708$4,293$3,930
10 years$5,513$4,983$4,499$4,058$3,657$3,311
11 years$4,961$4,436$3,961$3,532$3,146$2,815
12 years$4,501$3,982$3,515$3,098$2,726$2,411
13 years$4,112$3,598$3,141$2,735$2,377$2,077
14 years$3,779$3,271$2,822$2,428$2,084$1,798
15 years$3,491$2,988$2,548$2,165$1,835$1,564
16 years$3,239$2,741$2,310$1,939$1,621$1,364
17 years$3,016$2,525$2,102$1,742$1,438$1,194
18 years$2,819$2,333$1,919$1,570$1,278$1,048
19 years$2,643$2,162$1,757$1,418$1,139$921
20 years$2,484$2,009$1,612$1,285$1,018$812
21 years$2,341$1,871$1,483$1,166$911$717
22 years$2,211$1,747$1,367$1,060$816$633
23 years$2,093$1,634$1,262$965$733$561
24 years$1,984$1,531$1,167$881$659$497
25 years$1,885$1,437$1,081$804$593$440
26 years$1,793$1,350$1,002$735$534$391
27 years$1,708$1,271$931$673$481$347
28 years$1,629$1,197$865$617$434$309
29 years$1,556$1,130$805$565$392$275
30 years$1,488$1,067$750$519$354$244
31 years$1,424$1,008$699$477$320$217
32 years$1,365$954$652$438$290$194
33 years$1,309$904$609$403$262$173
34 years$1,257$856$569$371$237$154
35 years$1,207$812$532$341$215$137
36 years$1,161$771$498$314$195$122
37 years$1,117$732$466$290$177$109
38 years$1,076$696$436$267$160$97
39 years$1,037$662$409$246$145$87
40 years$999$630$383$227$132$78
41 years$964$599$359$209$119$69
42 years$931$571$337$193$108$62
43 years$899$544$316$178$98$55
44 years$869$518$297$165$89$49
45 years$840$494$279$152$81$44
46 years$812$472$262$141$74$39
47 years$786$450$246$130$67$35
48 years$761$430$231$120$61$31
49 years$737$410$217$111$55$28
50 years$714$392$204$102$50$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $731,000, adding $3,335 every year, while hoping to spend $20,337 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: 56/25/19 Blend
34$731,000$731,000$731,000$731,000
35$809,002$770,259$758,929$850,018
36$869,882$786,363$762,714$894,454
37$936,290$802,575$765,945$940,374
38$1,008,768$818,878$768,581$989,948
39$1,087,914$835,255$770,580$1,043,533
40$1,174,385$851,686$771,898$1,101,520
41$1,268,904$868,151$772,489$1,164,342
42$1,372,269$884,626$772,303$1,232,475
43$1,485,355$901,088$771,291$1,306,443
44$1,609,129$917,509$769,397$1,386,826
45$1,744,655$933,862$766,566$1,474,260
46$1,893,103$950,114$762,740$1,569,450
47$2,055,764$966,234$757,856$1,673,169
48$2,234,057$982,185$751,849$1,786,274
49$2,429,548$997,928$744,652$1,909,705
50$2,643,958$1,013,423$736,195$2,044,502
51$2,879,185$1,028,625$726,401$2,191,809
52$3,137,321$1,043,486$715,194$2,352,889
53$3,420,667$1,057,956$702,492$2,529,132
54$3,731,759$1,071,980$688,210$2,722,075
55$4,073,392$1,085,500$672,258$2,933,406
56$4,448,642$1,098,454$654,544$3,164,993
57$4,860,901$1,110,776$634,968$3,418,889
58$5,313,903$1,122,393$613,429$3,697,361
59$5,811,762$1,133,232$589,820$4,002,909
60$6,359,012$1,143,210$564,029$4,338,285
61$6,960,646$1,152,243$535,939$4,706,528
62$7,622,167$1,160,238$505,429$5,110,983
63$8,349,637$1,167,099$472,369$5,555,343
64$9,149,734$1,172,720$436,628$6,043,674
65$10,029,817$1,176,993$398,064$6,580,461
66$10,997,992$1,179,800$356,533$7,170,649
67$12,063,193$1,181,016$311,883$7,819,688
68$13,235,262$1,180,509$263,954$8,533,586
69$14,525,043$1,178,138$212,581$9,318,965
70$15,944,485$1,173,754$157,590$10,183,127
71$17,506,753$1,167,199$98,800$11,134,119
72$19,226,355$1,158,305$36,023$12,180,812
73$21,119,274$1,146,893$0$13,332,986
74$23,203,123$1,132,774$0$14,607,699
75$25,497,311$1,115,749$0$16,018,756
76$28,023,220$1,095,605$0$17,571,987
77$30,804,416$1,072,116$0$19,281,874
78$33,866,863$1,045,046$0$21,164,379
79$37,239,172$1,014,143$0$23,237,091
80$40,952,870$979,138$0$25,519,397
81$45,042,697$939,750$0$28,032,659
82$49,546,934$895,680$0$30,800,425
83$54,507,765$846,612$0$33,848,643
84$59,971,672$792,211$0$37,205,909
85$65,989,878$732,125$0$40,903,742
86$72,618,825$665,979$0$44,976,876
87$79,920,711$593,377$0$49,463,588
88$87,964,075$513,904$0$54,406,067
89$96,824,443$427,117$0$59,850,805
90$106,585,040$332,551$0$65,849,039
91$117,337,581$229,712$0$72,457,239
92$129,183,129$118,082$0$79,737,636
93$142,233,051$0$0$87,758,812
94$156,610,072$0$0$96,597,146
95$172,449,431$0$0$106,370,355
96$189,900,157$0$0$117,137,920
97$209,126,474$0$0$129,001,187
98$230,309,355$0$0$142,071,836
99$253,648,227$0$0$156,472,935
100$279,362,855$0$0$172,340,105