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%15.3%
1 years$60,696$60,155$59,627$59,113$58,610$57,333
2 years$30,047$29,488$28,945$28,420$27,909$26,629
3 years$19,833$19,271$18,730$18,209$17,707$16,464
4 years$14,726$14,166$13,630$13,118$12,629$11,432
5 years$11,663$11,106$10,578$10,076$9,600$8,453
6 years$9,622$9,069$8,548$8,058$7,596$6,500
7 years$8,164$7,616$7,104$6,625$6,178$5,133
8 years$7,072$6,528$6,025$5,557$5,125$4,131
9 years$6,222$5,684$5,189$4,734$4,316$3,372
10 years$5,543$5,010$4,524$4,081$3,678$2,783
11 years$4,988$4,460$3,983$3,551$3,163$2,316
12 years$4,525$4,003$3,535$3,115$2,741$1,941
13 years$4,134$3,618$3,158$2,750$2,390$1,635
14 years$3,800$3,289$2,837$2,441$2,095$1,384
15 years$3,510$3,004$2,562$2,177$1,845$1,176
16 years$3,256$2,756$2,323$1,949$1,630$1,002
17 years$3,033$2,538$2,113$1,751$1,446$856
18 years$2,835$2,346$1,929$1,578$1,285$733
19 years$2,657$2,174$1,766$1,426$1,146$629
20 years$2,498$2,020$1,621$1,292$1,023$540
21 years$2,354$1,882$1,491$1,172$916$465
22 years$2,223$1,756$1,374$1,066$821$400
23 years$2,104$1,643$1,269$971$737$345
24 years$1,995$1,539$1,173$885$662$298
25 years$1,895$1,444$1,087$809$596$257
26 years$1,803$1,358$1,008$739$537$222
27 years$1,717$1,278$936$677$484$192
28 years$1,638$1,204$870$620$437$166
29 years$1,565$1,136$810$569$394$144
30 years$1,496$1,073$754$522$356$124
31 years$1,432$1,014$703$479$322$108
32 years$1,372$959$656$440$291$93
33 years$1,316$909$613$405$264$81
34 years$1,264$861$572$373$239$70
35 years$1,214$817$535$343$216$61
36 years$1,167$775$501$316$196$52
37 years$1,123$736$469$291$178$45
38 years$1,082$700$439$268$161$39
39 years$1,042$665$411$247$146$34
40 years$1,005$633$385$228$132$30
41 years$969$603$361$211$120$26
42 years$936$574$339$194$109$22
43 years$904$547$318$179$99$19
44 years$873$521$298$166$90$17
45 years$844$497$280$153$82$15
46 years$817$474$263$141$74$13
47 years$790$452$247$131$67$11
48 years$765$432$232$121$61$9
49 years$741$412$218$111$55$8
50 years$718$394$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 $735,000, adding $5,999 every year, while hoping to spend $32,515 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: 27/49/24 Blend
34$735,000$735,000$735,000$735,000
35$816,158$777,203$765,810$831,913
36$864,810$780,690$756,869$848,394
37$917,336$783,259$746,539$862,845
38$974,094$784,829$734,739$877,680
39$1,035,483$785,316$721,383$892,952
40$1,101,937$784,632$706,384$908,724
41$1,173,936$782,680$689,650$925,066
42$1,252,006$779,360$671,081$942,059
43$1,336,726$774,564$650,579$959,794
44$1,428,734$768,180$628,035$978,378
45$1,528,731$760,086$603,340$997,928
46$1,637,486$750,155$576,376$1,018,580
47$1,755,848$738,251$547,024$1,040,487
48$1,884,751$724,232$515,155$1,063,821
49$2,025,220$707,944$480,637$1,088,777
50$2,178,386$689,227$443,332$1,115,573
51$2,345,493$667,910$403,095$1,144,457
52$2,527,910$643,814$359,775$1,175,706
53$2,727,143$616,747$313,214$1,209,631
54$2,944,851$586,508$263,247$1,246,581
55$3,182,862$552,882$209,701$1,286,946
56$3,443,184$515,645$152,397$1,331,165
57$3,728,034$474,556$91,147$1,379,728
58$4,039,848$429,363$25,755$1,433,180
59$4,381,311$379,801$0$1,492,134
60$4,755,379$325,585$0$1,568,546
61$5,165,308$266,419$0$1,659,672
62$5,614,683$201,988$0$1,759,815
63$6,107,454$131,959$0$1,869,978
64$6,647,970$55,981$0$1,991,275
65$7,241,022$0$0$2,124,940
66$7,891,886$0$0$2,286,532
67$8,606,375$0$0$2,497,180
68$9,390,892$0$0$2,728,603
69$10,252,490$0$0$2,982,897
70$11,198,937$0$0$3,262,373
71$12,238,795$0$0$3,569,575
72$13,381,491$0$0$3,907,306
73$14,637,414$0$0$4,278,655
74$16,018,007$0$0$4,687,026
75$17,535,880$0$0$5,136,166
76$19,204,923$0$0$5,630,207
77$21,040,441$0$0$6,173,700
78$23,059,295$0$0$6,771,660
79$25,280,063$0$0$7,429,611
80$27,723,214$0$0$8,153,641
81$30,411,300$0$0$8,950,458
82$33,369,172$0$0$9,827,452
83$36,624,208$0$0$10,792,767
84$40,206,576$0$0$11,855,377
85$44,149,516$0$0$13,025,167
86$48,489,656$0$0$14,313,033
87$53,267,352$0$0$15,730,979
88$58,527,072$0$0$17,292,234
89$64,317,818$0$0$19,011,372
90$70,693,580$0$0$20,904,455
91$77,713,854$0$0$22,989,182
92$85,444,196$0$0$25,285,053
93$93,956,844$0$0$27,813,559
94$103,331,398$0$0$30,598,379
95$113,655,571$0$0$33,665,608
96$125,026,018$0$0$37,044,000
97$137,549,245$0$0$40,765,239
98$151,342,613$0$0$44,864,241
99$166,535,451$0$0$49,379,481
100$183,270,268$0$0$54,353,357