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%11.4%
1 years$60,365$59,828$59,303$58,791$58,291$57,948
2 years$29,884$29,327$28,788$28,265$27,758$27,411
3 years$19,725$19,166$18,628$18,110$17,611$17,272
4 years$14,646$14,089$13,556$13,047$12,560$12,232
5 years$11,600$11,046$10,520$10,021$9,548$9,231
6 years$9,569$9,020$8,502$8,014$7,555$7,250
7 years$8,120$7,575$7,065$6,589$6,144$5,851
8 years$7,033$6,493$5,992$5,527$5,097$4,816
9 years$6,188$5,653$5,161$4,708$4,293$4,023
10 years$5,513$4,983$4,499$4,058$3,657$3,399
11 years$4,961$4,436$3,961$3,532$3,146$2,899
12 years$4,501$3,982$3,515$3,098$2,726$2,490
13 years$4,112$3,598$3,141$2,735$2,377$2,152
14 years$3,779$3,271$2,822$2,428$2,084$1,870
15 years$3,491$2,988$2,548$2,165$1,835$1,631
16 years$3,239$2,741$2,310$1,939$1,621$1,428
17 years$3,016$2,525$2,102$1,742$1,438$1,254
18 years$2,819$2,333$1,919$1,570$1,278$1,104
19 years$2,643$2,162$1,757$1,418$1,139$975
20 years$2,484$2,009$1,612$1,285$1,018$862
21 years$2,341$1,871$1,483$1,166$911$764
22 years$2,211$1,747$1,367$1,060$816$677
23 years$2,093$1,634$1,262$965$733$602
24 years$1,984$1,531$1,167$881$659$535
25 years$1,885$1,437$1,081$804$593$476
26 years$1,793$1,350$1,002$735$534$425
27 years$1,708$1,271$931$673$481$379
28 years$1,629$1,197$865$617$434$338
29 years$1,556$1,130$805$565$392$302
30 years$1,488$1,067$750$519$354$270
31 years$1,424$1,008$699$477$320$241
32 years$1,365$954$652$438$290$216
33 years$1,309$904$609$403$262$193
34 years$1,257$856$569$371$237$173
35 years$1,207$812$532$341$215$155
36 years$1,161$771$498$314$195$138
37 years$1,117$732$466$290$177$124
38 years$1,076$696$436$267$160$111
39 years$1,037$662$409$246$145$100
40 years$999$630$383$227$132$89
41 years$964$599$359$209$119$80
42 years$931$571$337$193$108$72
43 years$899$544$316$178$98$64
44 years$869$518$297$165$89$58
45 years$840$494$279$152$81$52
46 years$812$472$262$141$74$46
47 years$786$450$246$130$67$42
48 years$761$430$231$120$61$37
49 years$737$410$217$111$55$33
50 years$714$392$204$102$50$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $731,000, adding $3,228 every year, while hoping to spend $22,844 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: 42/29/29 Blend
34$731,000$731,000$731,000$731,000
35$808,892$770,149$758,818$835,881
36$867,093$783,580$759,933$869,084
37$930,465$796,904$760,319$902,635
38$999,511$810,091$759,928$938,540
39$1,074,785$823,110$758,710$977,030
40$1,156,897$835,926$756,611$1,018,360
41$1,246,518$848,503$753,574$1,062,814
42$1,344,386$860,803$749,542$1,110,704
43$1,451,314$872,783$744,453$1,162,375
44$1,568,197$884,399$738,241$1,218,209
45$1,696,022$895,603$730,841$1,278,627
46$1,835,872$906,344$722,180$1,344,095
47$1,988,943$916,567$712,185$1,415,126
48$2,156,551$926,214$700,779$1,492,290
49$2,340,143$935,223$687,879$1,576,212
50$2,541,316$943,527$673,402$1,667,587
51$2,761,827$951,057$657,257$1,767,179
52$3,003,611$957,736$639,353$1,875,833
53$3,268,799$963,485$619,591$1,994,483
54$3,559,739$968,218$597,870$2,124,158
55$3,879,018$971,845$574,083$2,265,996
56$4,229,482$974,270$548,120$2,421,253
57$4,614,270$975,390$519,862$2,591,315
58$5,036,838$975,097$489,190$2,777,712
59$5,500,993$973,274$455,976$2,982,134
60$6,010,929$969,800$420,086$3,206,443
61$6,571,267$964,543$381,382$3,452,699
62$7,187,097$957,367$339,719$3,723,170
63$7,864,027$948,124$294,946$4,020,364
64$8,608,235$936,659$246,904$4,347,045
65$9,426,528$922,808$195,428$4,706,263
66$10,326,405$906,397$140,345$5,101,386
67$11,316,127$887,239$81,476$5,536,127
68$12,404,799$865,141$18,633$6,014,584
69$13,602,450$839,894$0$6,541,277
70$14,920,130$811,280$0$7,136,180
71$16,370,017$779,065$0$7,796,933
72$17,965,524$743,005$0$8,523,900
73$19,721,435$702,840$0$9,323,843
74$21,654,037$658,295$0$10,204,215
75$23,781,277$609,079$0$11,173,235
76$26,122,928$554,885$0$12,239,961
77$28,700,781$495,389$0$13,414,378
78$31,538,844$430,246$0$14,707,494
79$34,663,573$359,095$0$16,131,442
80$38,104,118$281,552$0$17,699,598
81$41,892,603$197,212$0$19,426,706
82$46,064,422$105,649$0$21,329,016
83$50,658,577$6,410$0$23,424,442
84$55,718,048$0$0$25,732,732
85$61,290,191$0$0$28,307,875
86$67,427,194$0$0$31,146,446
87$74,186,561$0$0$34,273,012
88$81,631,661$0$0$37,716,902
89$89,832,319$0$0$41,510,432
90$98,865,483$0$0$45,689,213
91$108,815,943$0$0$50,292,489
92$119,777,135$0$0$55,363,503
93$131,852,020$0$0$60,949,907
94$145,154,059$0$0$67,104,213
95$159,808,279$0$0$73,884,287
96$175,952,457$0$0$81,353,895
97$193,738,419$0$0$89,583,306
98$213,333,472$0$0$98,649,953
99$234,921,983$0$0$108,639,166
100$258,707,120$0$0$119,644,977