Can I retire at age 35 with 734,000?

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 $734,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$60,613$60,073$59,546$59,032$58,530$57,255
2 years$30,006$29,448$28,906$28,381$27,872$26,593
3 years$19,806$19,244$18,704$18,184$17,683$16,441
4 years$14,706$14,147$13,612$13,100$12,612$11,416
5 years$11,647$11,091$10,563$10,062$9,587$8,441
6 years$9,609$9,057$8,537$8,047$7,586$6,491
7 years$8,153$7,606$7,094$6,616$6,169$5,126
8 years$7,062$6,520$6,016$5,550$5,118$4,125
9 years$6,214$5,676$5,182$4,727$4,310$3,367
10 years$5,536$5,004$4,518$4,075$3,672$2,779
11 years$4,981$4,454$3,977$3,546$3,158$2,313
12 years$4,519$3,998$3,530$3,111$2,737$1,938
13 years$4,129$3,613$3,154$2,746$2,387$1,633
14 years$3,794$3,284$2,834$2,438$2,092$1,382
15 years$3,505$3,000$2,558$2,174$1,842$1,174
16 years$3,252$2,753$2,319$1,947$1,628$1,000
17 years$3,029$2,535$2,111$1,749$1,444$855
18 years$2,831$2,342$1,927$1,576$1,284$732
19 years$2,654$2,171$1,764$1,424$1,144$628
20 years$2,495$2,017$1,619$1,290$1,022$539
21 years$2,351$1,879$1,489$1,171$914$464
22 years$2,220$1,754$1,372$1,064$820$400
23 years$2,101$1,641$1,267$969$736$344
24 years$1,992$1,537$1,172$884$661$297
25 years$1,892$1,442$1,085$807$595$257
26 years$1,800$1,356$1,007$738$536$222
27 years$1,715$1,276$935$676$483$192
28 years$1,636$1,202$869$619$436$166
29 years$1,563$1,134$809$568$394$143
30 years$1,494$1,071$753$521$356$124
31 years$1,430$1,013$702$479$322$107
32 years$1,370$958$655$440$291$93
33 years$1,314$907$612$404$263$81
34 years$1,262$860$572$372$238$70
35 years$1,212$816$534$343$216$60
36 years$1,166$774$500$316$196$52
37 years$1,122$735$468$291$177$45
38 years$1,080$699$438$268$161$39
39 years$1,041$664$410$247$146$34
40 years$1,003$632$385$228$132$30
41 years$968$602$361$210$120$26
42 years$934$573$338$194$109$22
43 years$903$546$318$179$99$19
44 years$872$521$298$165$90$17
45 years$843$496$280$153$81$14
46 years$815$473$263$141$74$13
47 years$789$452$247$130$67$11
48 years$764$431$232$120$61$9
49 years$740$412$218$111$55$8
50 years$717$393$205$103$50$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $734,000, adding $4,270 every year, while hoping to spend $51,040 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: 37/40/23 Blend
34$734,000$734,000$734,000$734,000
35$813,273$774,371$762,994$837,610
36$841,920$758,008$734,248$839,412
37$871,779$739,134$702,828$836,309
38$902,919$717,570$668,592$831,935
39$935,416$693,130$631,388$826,204
40$969,349$665,614$591,060$819,031
41$1,004,807$634,814$547,446$810,323
42$1,041,885$600,507$500,372$799,986
43$1,080,683$562,458$449,661$787,921
44$1,121,314$520,419$395,125$774,023
45$1,163,897$474,129$336,571$758,186
46$1,208,561$423,308$273,793$740,298
47$1,255,449$367,665$206,580$720,242
48$1,304,713$306,889$134,708$697,900
49$1,356,520$240,653$57,948$673,146
50$1,411,052$168,611$0$645,853
51$1,468,505$90,399$0$621,769
52$1,529,094$5,630$0$610,434
53$1,593,053$0$0$597,537
54$1,660,638$0$0$620,899
55$1,732,127$0$0$648,278
56$1,807,825$0$0$677,316
57$1,888,063$0$0$708,149
58$1,973,203$0$0$740,921
59$2,063,644$0$0$775,792
60$2,159,819$0$0$812,939
61$2,262,202$0$0$852,552
62$2,371,315$0$0$894,842
63$2,487,725$0$0$940,038
64$2,612,057$0$0$988,392
65$2,744,994$0$0$1,040,182
66$2,887,286$0$0$1,095,709
67$3,039,755$0$0$1,155,308
68$3,203,300$0$0$1,219,342
69$3,378,913$0$0$1,288,213
70$3,567,678$0$0$1,362,361
71$3,770,786$0$0$1,442,268
72$3,989,546$0$0$1,528,465
73$4,225,395$0$0$1,621,536
74$4,479,912$0$0$1,722,121
75$4,754,830$0$0$1,830,924
76$5,052,056$0$0$1,948,719
77$5,373,685$0$0$2,076,356
78$5,722,018$0$0$2,214,773
79$6,099,589$0$0$2,364,996
80$6,509,180$0$0$2,528,158
81$6,953,854$0$0$2,705,504
82$7,436,977$0$0$2,898,402
83$7,962,255$0$0$3,108,359
84$8,533,763$0$0$3,337,034
85$9,155,984$0$0$3,586,249
86$9,833,853$0$0$3,858,012
87$10,572,799$0$0$4,154,533
88$11,378,798$0$0$4,478,244
89$12,258,427$0$0$4,831,821
90$13,218,927$0$0$5,218,213
91$14,268,267$0$0$5,640,663
92$15,415,222$0$0$6,102,745
93$16,669,452$0$0$6,608,391
94$18,041,592$0$0$7,161,932
95$19,543,353$0$0$7,768,138
96$21,187,633$0$0$8,432,262
97$22,988,631$0$0$9,160,087
98$24,961,986$0$0$9,957,984
99$27,124,921$0$0$10,832,969
100$29,496,406$0$0$11,792,769