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%17.4%
1 years$60,778$60,237$59,709$59,193$58,690$56,925
2 years$30,088$29,528$28,985$28,458$27,947$26,184
3 years$19,860$19,297$18,755$18,233$17,731$16,025
4 years$14,746$14,185$13,649$13,136$12,646$11,010
5 years$11,679$11,121$10,592$10,090$9,613$8,052
6 years$9,635$9,081$8,560$8,069$7,607$6,121
7 years$8,175$7,627$7,113$6,634$6,186$4,776
8 years$7,081$6,537$6,033$5,565$5,132$3,797
9 years$6,231$5,692$5,196$4,740$4,322$3,060
10 years$5,551$5,017$4,530$4,086$3,683$2,493
11 years$4,995$4,467$3,988$3,556$3,167$2,047
12 years$4,532$4,009$3,539$3,119$2,745$1,692
13 years$4,140$3,623$3,162$2,754$2,393$1,405
14 years$3,805$3,293$2,841$2,444$2,098$1,172
15 years$3,515$3,008$2,565$2,180$1,847$981
16 years$3,261$2,760$2,326$1,952$1,633$824
17 years$3,037$2,542$2,116$1,754$1,448$693
18 years$2,838$2,349$1,932$1,581$1,287$584
19 years$2,661$2,177$1,769$1,428$1,147$493
20 years$2,501$2,023$1,623$1,293$1,025$417
21 years$2,357$1,884$1,493$1,174$917$353
22 years$2,226$1,759$1,376$1,067$822$299
23 years$2,107$1,645$1,271$972$738$254
24 years$1,998$1,541$1,175$887$663$215
25 years$1,898$1,446$1,088$810$597$183
26 years$1,805$1,359$1,009$740$538$155
27 years$1,720$1,279$937$678$485$132
28 years$1,640$1,206$871$621$437$112
29 years$1,567$1,137$811$569$395$95
30 years$1,498$1,074$755$523$357$81
31 years$1,434$1,015$704$480$323$69
32 years$1,374$961$657$441$292$59
33 years$1,318$910$613$406$264$50
34 years$1,265$862$573$373$239$43
35 years$1,216$818$536$344$217$36
36 years$1,169$776$501$316$196$31
37 years$1,125$737$469$291$178$26
38 years$1,083$701$439$269$161$22
39 years$1,044$666$412$248$146$19
40 years$1,006$634$386$228$133$16
41 years$971$603$362$211$120$14
42 years$937$575$339$195$109$12
43 years$905$548$318$180$99$10
44 years$874$522$299$166$90$9
45 years$845$498$281$153$82$7
46 years$818$475$264$141$74$6
47 years$791$453$248$131$67$5
48 years$766$433$233$121$61$4
49 years$742$413$219$112$56$4
50 years$719$395$206$103$50$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $736,000, adding $5,798 every year, while hoping to spend $29,134 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: 45/44/11 Blend
34$736,000$736,000$736,000$736,000
35$817,053$778,045$766,637$851,020
36$869,394$785,170$761,321$882,292
37$926,097$791,669$754,850$912,744
38$987,577$797,479$747,156$945,111
39$1,054,289$802,534$738,164$979,578
40$1,126,734$806,766$727,800$1,016,355
41$1,205,462$810,099$715,984$1,055,670
42$1,291,081$812,456$702,631$1,097,779
43$1,384,257$813,752$687,654$1,142,965
44$1,485,724$813,898$670,963$1,191,538
45$1,596,289$812,800$652,461$1,243,846
46$1,716,840$810,358$632,049$1,300,272
47$1,848,357$806,464$609,621$1,361,238
48$1,991,914$801,006$585,069$1,427,216
49$2,148,698$793,863$558,277$1,498,723
50$2,320,012$784,910$529,127$1,576,335
51$2,507,293$774,010$497,492$1,660,688
52$2,712,122$761,022$463,243$1,752,485
53$2,936,240$745,793$426,243$1,852,503
54$3,181,563$728,163$386,349$1,961,604
55$3,450,203$707,964$343,412$2,080,740
56$3,744,484$685,014$297,276$2,210,961
57$4,066,965$659,124$247,779$2,353,432
58$4,420,467$630,093$194,751$2,509,439
59$4,808,095$597,707$138,015$2,680,403
60$5,233,268$561,742$77,386$2,867,895
61$5,699,752$521,959$12,670$3,073,652
62$6,211,698$478,106$0$3,299,591
63$6,773,676$429,918$0$3,554,452
64$7,390,720$377,112$0$3,835,975
65$8,068,374$319,392$0$4,145,284
66$8,812,750$256,444$0$4,485,263
67$9,630,576$187,935$0$4,859,097
68$10,529,266$113,515$0$5,270,300
69$11,516,988$32,815$0$5,722,751
70$12,602,741$0$0$6,220,733
71$13,796,438$0$0$6,795,386
72$15,109,001$0$0$7,444,828
73$16,552,462$0$0$8,159,138
74$18,140,081$0$0$8,944,887
75$19,886,464$0$0$9,809,319
76$21,807,705$0$0$10,760,412
77$23,921,536$0$0$11,806,959
78$26,247,495$0$0$12,958,647
79$28,807,111$0$0$14,226,149
80$31,624,101$0$0$15,621,227
81$34,724,603$0$0$17,156,839
82$38,137,413$0$0$18,847,264
83$41,894,264$0$0$20,708,237
84$46,030,118$0$0$22,757,092
85$50,583,503$0$0$25,012,935
86$55,596,870$0$0$27,496,813
87$61,116,996$0$0$30,231,923
88$67,195,427$0$0$33,243,823
89$73,888,959$0$0$36,560,677
90$81,260,179$0$0$40,213,517
91$89,378,052$0$0$44,236,543
92$98,318,571$0$0$48,667,437
93$108,165,478$0$0$53,547,723
94$119,011,050$0$0$58,923,158
95$130,956,970$0$0$64,844,166
96$144,115,288$0$0$71,366,308
97$158,609,476$0$0$78,550,811
98$174,575,596$0$0$86,465,146
99$192,163,581$0$0$95,183,660
100$211,538,651$0$0$104,788,284