Can I retire at age 35 with 733,000?

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 $733,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$60,530$59,991$59,465$58,952$58,450$56,693
2 years$29,966$29,407$28,867$28,342$27,834$26,078
3 years$19,779$19,218$18,679$18,159$17,659$15,960
4 years$14,686$14,127$13,593$13,083$12,594$10,965
5 years$11,631$11,076$10,549$10,049$9,574$8,019
6 years$9,596$9,044$8,525$8,036$7,576$6,096
7 years$8,142$7,595$7,084$6,607$6,161$4,757
8 years$7,052$6,511$6,008$5,542$5,111$3,781
9 years$6,205$5,669$5,175$4,721$4,304$3,048
10 years$5,528$4,997$4,512$4,069$3,667$2,482
11 years$4,974$4,448$3,972$3,542$3,154$2,038
12 years$4,513$3,993$3,525$3,106$2,733$1,685
13 years$4,123$3,608$3,149$2,743$2,384$1,400
14 years$3,789$3,280$2,830$2,435$2,089$1,168
15 years$3,500$2,996$2,555$2,171$1,840$977
16 years$3,247$2,749$2,316$1,944$1,626$821
17 years$3,025$2,532$2,108$1,747$1,442$690
18 years$2,827$2,339$1,924$1,574$1,282$582
19 years$2,650$2,168$1,761$1,422$1,143$491
20 years$2,491$2,015$1,617$1,288$1,021$416
21 years$2,348$1,877$1,487$1,169$913$352
22 years$2,217$1,752$1,370$1,063$819$298
23 years$2,098$1,638$1,265$968$735$253
24 years$1,990$1,535$1,170$883$660$214
25 years$1,890$1,441$1,084$806$594$182
26 years$1,798$1,354$1,005$737$535$155
27 years$1,713$1,274$933$675$483$131
28 years$1,634$1,201$868$618$436$112
29 years$1,560$1,133$808$567$393$95
30 years$1,492$1,070$752$520$355$81
31 years$1,428$1,011$701$478$321$69
32 years$1,369$957$654$439$291$59
33 years$1,313$906$611$404$263$50
34 years$1,260$859$571$372$238$42
35 years$1,211$815$534$342$216$36
36 years$1,164$773$499$315$195$31
37 years$1,120$734$467$290$177$26
38 years$1,079$698$438$268$161$22
39 years$1,039$664$410$247$146$19
40 years$1,002$631$384$228$132$16
41 years$967$601$360$210$120$14
42 years$933$572$338$194$109$12
43 years$901$545$317$179$99$10
44 years$871$520$298$165$90$8
45 years$842$496$280$153$81$7
46 years$814$473$263$141$74$6
47 years$788$451$247$130$67$5
48 years$763$431$232$120$61$4
49 years$739$411$218$111$55$4
50 years$716$393$205$103$50$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $733,000, adding $2,887 every year, while hoping to spend $43,253 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: 67/25/8 Blend
34$733,000$733,000$733,000$733,000
35$810,744$771,895$760,533$863,667
36$847,419$763,697$739,990$890,977
37$886,385$753,648$717,310$915,358
38$927,831$741,610$692,374$940,865
39$971,961$727,441$665,060$967,602
40$1,019,002$710,986$635,240$995,686
41$1,069,200$692,084$602,780$1,025,245
42$1,122,825$670,563$567,540$1,056,422
43$1,180,174$646,242$529,373$1,089,376
44$1,241,571$618,927$488,127$1,124,285
45$1,307,373$588,416$443,641$1,161,344
46$1,377,970$554,493$395,748$1,200,772
47$1,453,791$516,932$344,274$1,242,812
48$1,535,307$475,491$289,036$1,287,734
49$1,623,035$429,916$229,845$1,335,836
50$1,717,541$379,939$166,502$1,387,450
51$1,819,449$325,274$98,798$1,442,946
52$1,929,443$265,623$26,518$1,502,731
53$2,048,275$200,668$0$1,567,261
54$2,176,772$130,074$0$1,641,357
55$2,315,843$53,487$0$1,723,955
56$2,466,485$0$0$1,813,428
57$2,629,798$0$0$1,918,588
58$2,806,987$0$0$2,048,687
59$2,999,383$0$0$2,189,990
60$3,208,444$0$0$2,343,574
61$3,435,777$0$0$2,510,625
62$3,683,151$0$0$2,692,447
63$3,952,510$0$0$2,890,476
64$4,245,995$0$0$3,106,291
65$4,565,961$0$0$3,341,631
66$4,914,999$0$0$3,598,407
67$5,295,964$0$0$3,878,727
68$5,711,995$0$0$4,184,908
69$6,166,551$0$0$4,519,501
70$6,663,438$0$0$4,885,317
71$7,206,845$0$0$5,285,448
72$7,801,388$0$0$5,723,299
73$8,452,147$0$0$6,202,622
74$9,164,717$0$0$6,727,546
75$9,945,257$0$0$7,302,617
76$10,800,554$0$0$7,932,846
77$11,738,078$0$0$8,623,746
78$12,766,060$0$0$9,381,393
79$13,893,563$0$0$10,212,478
80$15,130,570$0$0$11,124,371
81$16,488,078$0$0$12,125,188
82$17,978,199$0$0$13,223,872
83$19,614,274$0$0$14,430,273
84$21,411,001$0$0$15,755,239
85$23,384,571$0$0$17,210,724
86$25,552,819$0$0$18,809,894
87$27,935,394$0$0$20,567,256
88$30,553,941$0$0$22,498,789
89$33,432,307$0$0$24,622,099
90$36,596,766$0$0$26,956,583
91$40,076,262$0$0$29,523,609
92$43,902,685$0$0$32,346,722
93$48,111,171$0$0$35,451,861
94$52,740,430$0$0$38,867,606
95$57,833,114$0$0$42,625,447
96$63,436,216$0$0$46,760,077
97$69,601,515$0$0$51,309,725
98$76,386,060$0$0$56,316,511
99$83,852,713$0$0$61,826,844
100$92,070,735$0$0$67,891,863