Can I retire at age 35 with 736,000?

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 $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%11.9%
1 years$60,778$60,237$59,709$59,193$58,690$58,222
2 years$30,088$29,528$28,985$28,458$27,947$27,476
3 years$19,860$19,297$18,755$18,233$17,731$17,271
4 years$14,746$14,185$13,649$13,136$12,646$12,200
5 years$11,679$11,121$10,592$10,090$9,613$9,183
6 years$9,635$9,081$8,560$8,069$7,607$7,193
7 years$8,175$7,627$7,113$6,634$6,186$5,789
8 years$7,081$6,537$6,033$5,565$5,132$4,751
9 years$6,231$5,692$5,196$4,740$4,322$3,957
10 years$5,551$5,017$4,530$4,086$3,683$3,334
11 years$4,995$4,467$3,988$3,556$3,167$2,834
12 years$4,532$4,009$3,539$3,119$2,745$2,427
13 years$4,140$3,623$3,162$2,754$2,393$2,091
14 years$3,805$3,293$2,841$2,444$2,098$1,811
15 years$3,515$3,008$2,565$2,180$1,847$1,574
16 years$3,261$2,760$2,326$1,952$1,633$1,374
17 years$3,037$2,542$2,116$1,754$1,448$1,202
18 years$2,838$2,349$1,932$1,581$1,287$1,055
19 years$2,661$2,177$1,769$1,428$1,147$928
20 years$2,501$2,023$1,623$1,293$1,025$817
21 years$2,357$1,884$1,493$1,174$917$721
22 years$2,226$1,759$1,376$1,067$822$638
23 years$2,107$1,645$1,271$972$738$564
24 years$1,998$1,541$1,175$887$663$500
25 years$1,898$1,446$1,088$810$597$443
26 years$1,805$1,359$1,009$740$538$394
27 years$1,720$1,279$937$678$485$350
28 years$1,640$1,206$871$621$437$311
29 years$1,567$1,137$811$569$395$276
30 years$1,498$1,074$755$523$357$246
31 years$1,434$1,015$704$480$323$219
32 years$1,374$961$657$441$292$195
33 years$1,318$910$613$406$264$174
34 years$1,265$862$573$373$239$155
35 years$1,216$818$536$344$217$138
36 years$1,169$776$501$316$196$123
37 years$1,125$737$469$291$178$110
38 years$1,083$701$439$269$161$98
39 years$1,044$666$412$248$146$87
40 years$1,006$634$386$228$133$78
41 years$971$603$362$211$120$70
42 years$937$575$339$195$109$62
43 years$905$548$318$180$99$56
44 years$874$522$299$166$90$50
45 years$845$498$281$153$82$44
46 years$818$475$264$141$74$40
47 years$791$453$248$131$67$35
48 years$766$433$233$121$61$32
49 years$742$413$219$112$56$28
50 years$719$395$206$103$50$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $736,000, adding $5,982 every year, while hoping to spend $47,249 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: 81/11/8 Blend
34$736,000$736,000$736,000$736,000
35$817,242$778,234$766,826$882,129
36$850,329$766,095$742,243$913,348
37$885,206$751,778$715,252$940,740
38$922,007$735,125$685,723$969,375
39$960,878$715,972$653,520$999,351
40$1,001,974$694,142$618,500$1,030,779
41$1,045,471$669,450$580,515$1,063,777
42$1,091,554$641,698$539,408$1,098,478
43$1,140,431$610,679$495,016$1,135,030
44$1,192,325$576,173$447,169$1,173,593
45$1,247,483$537,947$395,690$1,214,345
46$1,306,174$495,754$340,393$1,257,483
47$1,368,692$449,334$281,085$1,303,223
48$1,435,359$398,412$217,562$1,351,806
49$1,506,529$342,697$149,613$1,403,495
50$1,582,588$281,882$77,018$1,458,582
51$1,663,960$215,643$0$1,517,389
52$1,751,111$143,636$0$1,580,312
53$1,844,550$65,500$0$1,654,722
54$1,944,837$0$0$1,734,495
55$2,052,586$0$0$1,822,448
56$2,168,470$0$0$1,925,582
57$2,293,230$0$0$2,036,629
58$2,427,678$0$0$2,156,314
59$2,572,707$0$0$2,285,433
60$2,729,297$0$0$2,424,861
61$2,898,525$0$0$2,575,560
62$3,081,577$0$0$2,738,586
63$3,279,753$0$0$2,915,101
64$3,494,484$0$0$3,106,382
65$3,727,344$0$0$3,313,832
66$3,980,063$0$0$3,538,996
67$4,254,544$0$0$3,783,572
68$4,552,881$0$0$4,049,429
69$4,877,375$0$0$4,338,620
70$5,230,561$0$0$4,653,408
71$5,615,227$0$0$4,996,280
72$6,034,439$0$0$5,369,974
73$6,491,575$0$0$5,777,503
74$6,990,349$0$0$6,222,183
75$7,534,853$0$0$6,707,665
76$8,129,588$0$0$7,237,968
77$8,779,510$0$0$7,817,513
78$9,490,076$0$0$8,451,173
79$10,267,295$0$0$9,144,308
80$11,117,781$0$0$9,902,824
81$12,048,818$0$0$10,733,220
82$13,068,426$0$0$11,642,657
83$14,185,440$0$0$12,639,017
84$15,409,586$0$0$13,730,984
85$16,751,578$0$0$14,928,119
86$18,223,215$0$0$16,240,954
87$19,837,492$0$0$17,681,089
88$21,608,725$0$0$19,261,300
89$23,552,679$0$0$20,995,659
90$25,686,722$0$0$22,899,668
91$28,029,985$0$0$24,990,404
92$30,603,542$0$0$27,286,676
93$33,430,608$0$0$29,809,207
94$36,536,759$0$0$32,580,823
95$39,950,169$0$0$35,626,673
96$43,701,876$0$0$38,974,462
97$47,826,076$0$0$42,654,712
98$52,360,443$0$0$46,701,051
99$57,346,482$0$0$51,150,526
100$62,829,923$0$0$56,043,956