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%18%
1 years$60,530$59,991$59,465$58,952$58,450$56,557
2 years$29,966$29,407$28,867$28,342$27,834$25,943
3 years$19,779$19,218$18,679$18,159$17,659$15,832
4 years$14,686$14,127$13,593$13,083$12,594$10,844
5 years$11,631$11,076$10,549$10,049$9,574$7,905
6 years$9,596$9,044$8,525$8,036$7,576$5,990
7 years$8,142$7,595$7,084$6,607$6,161$4,658
8 years$7,052$6,511$6,008$5,542$5,111$3,690
9 years$6,205$5,669$5,175$4,721$4,304$2,963
10 years$5,528$4,997$4,512$4,069$3,667$2,404
11 years$4,974$4,448$3,972$3,542$3,154$1,967
12 years$4,513$3,993$3,525$3,106$2,733$1,619
13 years$4,123$3,608$3,149$2,743$2,384$1,340
14 years$3,789$3,280$2,830$2,435$2,089$1,113
15 years$3,500$2,996$2,555$2,171$1,840$928
16 years$3,247$2,749$2,316$1,944$1,626$775
17 years$3,025$2,532$2,108$1,747$1,442$650
18 years$2,827$2,339$1,924$1,574$1,282$545
19 years$2,650$2,168$1,761$1,422$1,143$458
20 years$2,491$2,015$1,617$1,288$1,021$386
21 years$2,348$1,877$1,487$1,169$913$325
22 years$2,217$1,752$1,370$1,063$819$274
23 years$2,098$1,638$1,265$968$735$231
24 years$1,990$1,535$1,170$883$660$195
25 years$1,890$1,441$1,084$806$594$165
26 years$1,798$1,354$1,005$737$535$140
27 years$1,713$1,274$933$675$483$118
28 years$1,634$1,201$868$618$436$100
29 years$1,560$1,133$808$567$393$84
30 years$1,492$1,070$752$520$355$72
31 years$1,428$1,011$701$478$321$61
32 years$1,369$957$654$439$291$51
33 years$1,313$906$611$404$263$43
34 years$1,260$859$571$372$238$37
35 years$1,211$815$534$342$216$31
36 years$1,164$773$499$315$195$26
37 years$1,120$734$467$290$177$22
38 years$1,079$698$438$268$161$19
39 years$1,039$664$410$247$146$16
40 years$1,002$631$384$228$132$14
41 years$967$601$360$210$120$12
42 years$933$572$338$194$109$10
43 years$901$545$317$179$99$8
44 years$871$520$298$165$90$7
45 years$842$496$280$153$81$6
46 years$814$473$263$141$74$5
47 years$788$451$247$130$67$4
48 years$763$431$232$120$61$4
49 years$739$411$218$111$55$3
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 $6,790 every year, while hoping to spend $39,538 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: 68/11/21 Blend
34$733,000$733,000$733,000$733,000
35$814,770$775,921$764,559$865,453
36$855,808$771,873$748,104$896,180
37$899,707$766,301$729,772$924,563
38$946,717$759,090$709,459$954,662
39$997,113$750,115$687,056$986,643
40$1,051,194$739,246$662,448$1,020,693
41$1,109,291$726,345$635,516$1,057,018
42$1,171,766$711,264$606,133$1,095,844
43$1,239,018$693,847$574,170$1,137,424
44$1,311,483$673,931$539,490$1,182,036
45$1,389,642$651,341$501,950$1,229,989
46$1,474,020$625,892$461,401$1,281,625
47$1,565,199$597,389$417,686$1,337,322
48$1,663,813$565,625$370,643$1,397,497
49$1,770,564$530,382$320,101$1,462,613
50$1,886,220$491,430$265,883$1,533,181
51$2,011,627$448,523$207,803$1,609,767
52$2,147,716$401,403$145,667$1,692,996
53$2,295,509$349,798$79,273$1,783,560
54$2,456,132$293,419$8,410$1,882,222
55$2,630,822$231,962$0$1,989,829
56$2,820,943$165,104$0$2,122,373
57$3,027,991$92,507$0$2,268,817
58$3,253,617$13,810$0$2,428,467
59$3,499,635$0$0$2,602,640
60$3,768,042$0$0$2,801,425
61$4,061,038$0$0$3,020,285
62$4,381,042$0$0$3,259,361
63$4,730,718$0$0$3,520,651
64$5,112,999$0$0$3,806,350
65$5,531,115$0$0$4,118,878
66$5,988,622$0$0$4,460,899
67$6,489,435$0$0$4,835,346
68$7,037,864$0$0$5,245,448
69$7,638,658$0$0$5,694,763
70$8,297,046$0$0$6,187,208
71$9,018,785$0$0$6,727,097
72$9,810,218$0$0$7,319,182
73$10,678,330$0$0$7,968,696
74$11,630,815$0$0$8,681,404
75$12,676,147$0$0$9,463,655
76$13,823,662$0$0$10,322,443
77$15,083,640$0$0$11,265,472
78$16,467,411$0$0$12,301,230
79$17,987,451$0$0$13,439,065
80$19,657,507$0$0$14,689,278
81$21,492,721$0$0$16,063,214
82$23,509,777$0$0$17,573,374
83$25,727,054$0$0$19,233,530
84$28,164,801$0$0$21,058,852
85$30,845,325$0$0$23,066,059
86$33,793,206$0$0$25,273,565
87$37,035,524$0$0$27,701,662
88$40,602,113$0$0$30,372,705
89$44,525,846$0$0$33,311,328
90$48,842,943$0$0$36,544,670
91$53,593,312$0$0$40,102,633
92$58,820,922$0$0$44,018,166
93$64,574,223$0$0$48,327,573
94$70,906,597$0$0$53,070,856
95$77,876,867$0$0$58,292,091
96$85,549,845$0$0$64,039,843
97$93,996,947$0$0$70,367,628
98$103,296,866$0$0$77,334,413
99$113,536,311$0$0$85,005,172
100$124,810,830$0$0$93,451,501