Can I retire at age 35 with 736,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $736,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$60,778$60,237$59,709$59,193$58,690$57,980
2 years$30,088$29,528$28,985$28,458$27,947$27,234
3 years$19,860$19,297$18,755$18,233$17,731$17,035
4 years$14,746$14,185$13,649$13,136$12,646$11,973
5 years$11,679$11,121$10,592$10,090$9,613$8,965
6 years$9,635$9,081$8,560$8,069$7,607$6,984
7 years$8,175$7,627$7,113$6,634$6,186$5,590
8 years$7,081$6,537$6,033$5,565$5,132$4,562
9 years$6,231$5,692$5,196$4,740$4,322$3,777
10 years$5,551$5,017$4,530$4,086$3,683$3,163
11 years$4,995$4,467$3,988$3,556$3,167$2,672
12 years$4,532$4,009$3,539$3,119$2,745$2,274
13 years$4,140$3,623$3,162$2,754$2,393$1,947
14 years$3,805$3,293$2,841$2,444$2,098$1,675
15 years$3,515$3,008$2,565$2,180$1,847$1,446
16 years$3,261$2,760$2,326$1,952$1,633$1,253
17 years$3,037$2,542$2,116$1,754$1,448$1,089
18 years$2,838$2,349$1,932$1,581$1,287$949
19 years$2,661$2,177$1,769$1,428$1,147$829
20 years$2,501$2,023$1,623$1,293$1,025$725
21 years$2,357$1,884$1,493$1,174$917$635
22 years$2,226$1,759$1,376$1,067$822$557
23 years$2,107$1,645$1,271$972$738$489
24 years$1,998$1,541$1,175$887$663$430
25 years$1,898$1,446$1,088$810$597$378
26 years$1,805$1,359$1,009$740$538$333
27 years$1,720$1,279$937$678$485$294
28 years$1,640$1,206$871$621$437$259
29 years$1,567$1,137$811$569$395$228
30 years$1,498$1,074$755$523$357$202
31 years$1,434$1,015$704$480$323$178
32 years$1,374$961$657$441$292$157
33 years$1,318$910$613$406$264$139
34 years$1,265$862$573$373$239$123
35 years$1,216$818$536$344$217$109
36 years$1,169$776$501$316$196$96
37 years$1,125$737$469$291$178$85
38 years$1,083$701$439$269$161$75
39 years$1,044$666$412$248$146$66
40 years$1,006$634$386$228$133$59
41 years$971$603$362$211$120$52
42 years$937$575$339$195$109$46
43 years$905$548$318$180$99$41
44 years$874$522$299$166$90$36
45 years$845$498$281$153$82$32
46 years$818$475$264$141$74$28
47 years$791$453$248$131$67$25
48 years$766$433$233$121$61$22
49 years$742$413$219$112$56$20
50 years$719$395$206$103$50$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $736,000, adding $2,306 every year, while hoping to spend $43,759 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: 59/34/7 Blend
34$736,000$736,000$736,000$736,000
35$813,451$774,443$763,035$860,115
36$849,863$765,831$742,037$883,075
37$888,524$755,331$718,869$902,906
38$929,614$742,804$693,413$923,433
39$973,336$728,102$665,543$944,723
40$1,019,907$711,070$635,130$966,856
41$1,069,569$691,543$602,038$989,918
42$1,122,583$669,347$566,124$1,014,008
43$1,179,238$644,297$527,241$1,039,236
44$1,239,850$616,197$485,233$1,065,728
45$1,304,765$584,841$439,939$1,093,622
46$1,374,362$550,009$391,188$1,123,076
47$1,449,058$511,470$338,803$1,154,266
48$1,529,310$468,981$282,602$1,187,387
49$1,615,620$422,281$222,389$1,222,661
50$1,708,539$371,098$157,965$1,260,333
51$1,808,671$315,144$89,118$1,300,679
52$1,916,681$254,112$15,629$1,344,006
53$2,033,300$187,680$0$1,390,657
54$2,159,329$115,509$0$1,445,706
55$2,295,650$37,238$0$1,506,441
56$2,443,231$0$0$1,572,187
57$2,603,139$0$0$1,661,270
58$2,776,545$0$0$1,773,030
59$2,964,736$0$0$1,894,373
60$3,169,130$0$0$2,026,219
61$3,391,284$0$0$2,169,580
62$3,632,914$0$0$2,325,568
63$3,895,905$0$0$2,495,411
64$4,182,333$0$0$2,680,455
65$4,494,482$0$0$2,882,186
66$4,834,865$0$0$3,102,234
67$5,206,247$0$0$3,342,399
68$5,611,675$0$0$3,604,659
69$6,054,501$0$0$3,891,190
70$6,538,412$0$0$4,204,393
71$7,067,473$0$0$4,546,905
72$7,646,156$0$0$4,921,634
73$8,279,385$0$0$5,331,780
74$8,972,583$0$0$5,780,867
75$9,731,722$0$0$6,272,776
76$10,563,376$0$0$6,811,781
77$11,474,788$0$0$7,402,590
78$12,473,934$0$0$8,050,384
79$13,569,597$0$0$8,760,875
80$14,771,453$0$0$9,540,351
81$16,090,157$0$0$10,395,737
82$17,537,447$0$0$11,334,665
83$19,126,253$0$0$12,365,538
84$20,870,816$0$0$13,497,615
85$22,786,827$0$0$14,741,093
86$24,891,566$0$0$16,107,207
87$27,204,075$0$0$17,608,335
88$29,745,326$0$0$19,258,111
89$32,538,428$0$0$21,071,556
90$35,608,838$0$0$23,065,220
91$38,984,601$0$0$25,257,335
92$42,696,617$0$0$27,667,989
93$46,778,930$0$0$30,319,314
94$51,269,047$0$0$33,235,693
95$56,208,295$0$0$36,443,993
96$61,642,204$0$0$39,973,814
97$67,620,943$0$0$43,857,773
98$74,199,788$0$0$48,131,803
99$81,439,642$0$0$52,835,502
100$89,407,612$0$0$58,012,497