Can I retire at age 35 with 733,000?

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 $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%11%
1 years$60,530$59,991$59,465$58,952$58,450$58,204
2 years$29,966$29,407$28,867$28,342$27,834$27,585
3 years$19,779$19,218$18,679$18,159$17,659$17,415
4 years$14,686$14,127$13,593$13,083$12,594$12,358
5 years$11,631$11,076$10,549$10,049$9,574$9,346
6 years$9,596$9,044$8,525$8,036$7,576$7,356
7 years$8,142$7,595$7,084$6,607$6,161$5,949
8 years$7,052$6,511$6,008$5,542$5,111$4,908
9 years$6,205$5,669$5,175$4,721$4,304$4,109
10 years$5,528$4,997$4,512$4,069$3,667$3,481
11 years$4,974$4,448$3,972$3,542$3,154$2,975
12 years$4,513$3,993$3,525$3,106$2,733$2,563
13 years$4,123$3,608$3,149$2,743$2,384$2,221
14 years$3,789$3,280$2,830$2,435$2,089$1,934
15 years$3,500$2,996$2,555$2,171$1,840$1,692
16 years$3,247$2,749$2,316$1,944$1,626$1,485
17 years$3,025$2,532$2,108$1,747$1,442$1,308
18 years$2,827$2,339$1,924$1,574$1,282$1,155
19 years$2,650$2,168$1,761$1,422$1,143$1,022
20 years$2,491$2,015$1,617$1,288$1,021$907
21 years$2,348$1,877$1,487$1,169$913$805
22 years$2,217$1,752$1,370$1,063$819$717
23 years$2,098$1,638$1,265$968$735$639
24 years$1,990$1,535$1,170$883$660$570
25 years$1,890$1,441$1,084$806$594$509
26 years$1,798$1,354$1,005$737$535$455
27 years$1,713$1,274$933$675$483$407
28 years$1,634$1,201$868$618$436$364
29 years$1,560$1,133$808$567$393$326
30 years$1,492$1,070$752$520$355$292
31 years$1,428$1,011$701$478$321$262
32 years$1,369$957$654$439$291$235
33 years$1,313$906$611$404$263$211
34 years$1,260$859$571$372$238$190
35 years$1,211$815$534$342$216$170
36 years$1,164$773$499$315$195$153
37 years$1,120$734$467$290$177$138
38 years$1,079$698$438$268$161$124
39 years$1,039$664$410$247$146$111
40 years$1,002$631$384$228$132$100
41 years$967$601$360$210$120$90
42 years$933$572$338$194$109$81
43 years$901$545$317$179$99$73
44 years$871$520$298$165$90$66
45 years$842$496$280$153$81$59
46 years$814$473$263$141$74$53
47 years$788$451$247$130$67$48
48 years$763$431$232$120$61$43
49 years$739$411$218$111$55$39
50 years$716$393$205$103$50$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $733,000, adding $4,964 every year, while hoping to spend $57,292 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: 23/47/30 Blend
34$733,000$733,000$733,000$733,000
35$812,886$774,037$762,676$823,836
36$834,843$751,007$727,267$810,804
37$857,118$724,928$688,752$791,759
38$879,685$695,590$646,966$770,171
39$902,511$662,772$601,738$745,868
40$925,557$626,238$552,886$718,670
41$948,781$585,741$500,225$688,385
42$972,131$541,016$443,556$654,810
43$995,549$491,787$382,677$617,729
44$1,018,971$437,761$317,372$576,916
45$1,042,321$378,626$247,419$532,129
46$1,065,514$314,055$172,584$483,113
47$1,088,454$243,701$92,623$429,597
48$1,111,034$167,200$7,283$371,296
49$1,133,130$84,164$0$307,905
50$1,154,607$0$0$265,924
51$1,175,310$0$0$225,430
52$1,195,067$0$0$228,155
53$1,213,686$0$0$230,519
54$1,230,950$0$0$232,466
55$1,246,619$0$0$233,933
56$1,260,426$0$0$234,848
57$1,272,070$0$0$235,134
58$1,281,219$0$0$234,703
59$1,287,502$0$0$233,460
60$1,290,507$0$0$231,296
61$1,289,777$0$0$228,093
62$1,284,802$0$0$223,720
63$1,275,020$0$0$218,030
64$1,259,804$0$0$210,861
65$1,238,459$0$0$202,035
66$1,210,218$0$0$191,353
67$1,174,227$0$0$178,596
68$1,129,543$0$0$163,521
69$1,075,121$0$0$145,860
70$1,009,804$0$0$125,316
71$932,313$0$0$101,560
72$841,232$0$0$74,231
73$734,997$0$0$42,926
74$611,876$0$0$7,204
75$469,957$0$0$0
76$307,126$0$0$0
77$121,048$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0