Can I retire at age 35 with 735,000?

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 $735,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$60,696$60,155$59,627$59,113$58,610$57,950
2 years$30,047$29,488$28,945$28,420$27,909$27,245
3 years$19,833$19,271$18,730$18,209$17,707$17,058
4 years$14,726$14,166$13,630$13,118$12,629$12,001
5 years$11,663$11,106$10,578$10,076$9,600$8,996
6 years$9,622$9,069$8,548$8,058$7,596$7,016
7 years$8,164$7,616$7,104$6,625$6,178$5,621
8 years$7,072$6,528$6,025$5,557$5,125$4,593
9 years$6,222$5,684$5,189$4,734$4,316$3,807
10 years$5,543$5,010$4,524$4,081$3,678$3,192
11 years$4,988$4,460$3,983$3,551$3,163$2,700
12 years$4,525$4,003$3,535$3,115$2,741$2,301
13 years$4,134$3,618$3,158$2,750$2,390$1,972
14 years$3,800$3,289$2,837$2,441$2,095$1,699
15 years$3,510$3,004$2,562$2,177$1,845$1,469
16 years$3,256$2,756$2,323$1,949$1,630$1,275
17 years$3,033$2,538$2,113$1,751$1,446$1,110
18 years$2,835$2,346$1,929$1,578$1,285$968
19 years$2,657$2,174$1,766$1,426$1,146$846
20 years$2,498$2,020$1,621$1,292$1,023$741
21 years$2,354$1,882$1,491$1,172$916$650
22 years$2,223$1,756$1,374$1,066$821$571
23 years$2,104$1,643$1,269$971$737$503
24 years$1,995$1,539$1,173$885$662$443
25 years$1,895$1,444$1,087$809$596$390
26 years$1,803$1,358$1,008$739$537$344
27 years$1,717$1,278$936$677$484$304
28 years$1,638$1,204$870$620$437$268
29 years$1,565$1,136$810$569$394$237
30 years$1,496$1,073$754$522$356$210
31 years$1,432$1,014$703$479$322$185
32 years$1,372$959$656$440$291$164
33 years$1,316$909$613$405$264$145
34 years$1,264$861$572$373$239$129
35 years$1,214$817$535$343$216$114
36 years$1,167$775$501$316$196$101
37 years$1,123$736$469$291$178$89
38 years$1,082$700$439$268$161$79
39 years$1,042$665$411$247$146$70
40 years$1,005$633$385$228$132$62
41 years$969$603$361$211$120$55
42 years$936$574$339$194$109$49
43 years$904$547$318$179$99$43
44 years$873$521$298$166$90$38
45 years$844$497$280$153$82$34
46 years$817$474$263$141$74$30
47 years$790$452$247$131$67$27
48 years$765$432$232$121$61$24
49 years$741$412$218$111$55$21
50 years$718$394$205$103$50$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $735,000, adding $4,723 every year, while hoping to spend $38,555 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: 50/32/18 Blend
34$735,000$735,000$735,000$735,000
35$814,842$775,887$764,494$851,292
36$856,933$772,883$749,083$873,946
37$902,026$768,440$731,862$894,191
38$950,386$762,446$712,733$915,364
39$1,002,303$754,784$691,587$937,564
40$1,058,097$745,328$668,315$960,906
41$1,118,120$733,945$642,800$985,518
42$1,182,756$720,497$614,921$1,011,541
43$1,252,428$704,832$584,553$1,039,136
44$1,327,601$686,795$551,561$1,068,481
45$1,408,786$666,217$515,808$1,099,776
46$1,496,544$642,923$477,149$1,133,244
47$1,591,491$616,726$435,433$1,169,133
48$1,694,305$587,427$390,501$1,207,722
49$1,805,731$554,818$342,190$1,249,321
50$1,926,588$518,677$290,327$1,294,274
51$2,057,779$478,771$234,731$1,342,966
52$2,200,293$434,851$175,215$1,395,827
53$2,355,221$386,657$111,583$1,453,331
54$2,523,762$333,912$43,630$1,516,010
55$2,707,237$276,325$0$1,584,452
56$2,907,096$213,586$0$1,664,862
57$3,124,938$145,370$0$1,761,723
58$3,362,522$71,333$0$1,867,498
59$3,621,783$0$0$1,983,132
60$3,904,851$0$0$2,112,800
61$4,214,072$0$0$2,281,959
62$4,552,027$0$0$2,466,913
63$4,921,560$0$0$2,669,226
64$5,325,800$0$0$2,890,622
65$5,768,193$0$0$3,132,998
66$6,252,534$0$0$3,398,444
67$6,783,001$0$0$3,689,260
68$7,364,196$0$0$4,007,981
69$8,001,187$0$0$4,357,397
70$8,699,554$0$0$4,740,583
71$9,465,446$0$0$5,160,924
72$10,305,633$0$0$5,622,149
73$11,227,573$0$0$6,128,366
74$12,239,479$0$0$6,684,098
75$13,350,401$0$0$7,294,331
76$14,570,305$0$0$7,964,553
77$15,910,171$0$0$8,700,814
78$17,382,096$0$0$9,509,775
79$18,999,403$0$0$10,398,776
80$20,776,771$0$0$11,375,905
81$22,730,374$0$0$12,450,069
82$24,878,026$0$0$13,631,083
83$27,239,358$0$0$14,929,760
84$29,835,994$0$0$16,358,014
85$32,691,761$0$0$17,928,971
86$35,832,909$0$0$19,657,092
87$39,288,363$0$0$21,558,311
88$43,089,988$0$0$23,650,185
89$47,272,897$0$0$25,952,057
90$51,875,776$0$0$28,485,241
91$56,941,252$0$0$31,273,221
92$62,516,291$0$0$34,341,874
93$68,652,647$0$0$37,719,711
94$75,407,341$0$0$41,438,148
95$82,843,205$0$0$45,531,804
96$91,029,474$0$0$50,038,822
97$100,042,434$0$0$55,001,233
98$109,966,147$0$0$60,465,351
99$120,893,239$0$0$66,482,210
100$132,925,777$0$0$73,108,044