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%15.2%
1 years$60,778$60,237$59,709$59,193$58,690$57,434
2 years$30,088$29,528$28,985$28,458$27,947$26,689
3 years$19,860$19,297$18,755$18,233$17,731$16,508
4 years$14,746$14,185$13,649$13,136$12,646$11,469
5 years$11,679$11,121$10,592$10,090$9,613$8,485
6 years$9,635$9,081$8,560$8,069$7,607$6,528
7 years$8,175$7,627$7,113$6,634$6,186$5,158
8 years$7,081$6,537$6,033$5,565$5,132$4,154
9 years$6,231$5,692$5,196$4,740$4,322$3,393
10 years$5,551$5,017$4,530$4,086$3,683$2,801
11 years$4,995$4,467$3,988$3,556$3,167$2,333
12 years$4,532$4,009$3,539$3,119$2,745$1,956
13 years$4,140$3,623$3,162$2,754$2,393$1,649
14 years$3,805$3,293$2,841$2,444$2,098$1,397
15 years$3,515$3,008$2,565$2,180$1,847$1,187
16 years$3,261$2,760$2,326$1,952$1,633$1,013
17 years$3,037$2,542$2,116$1,754$1,448$866
18 years$2,838$2,349$1,932$1,581$1,287$742
19 years$2,661$2,177$1,769$1,428$1,147$637
20 years$2,501$2,023$1,623$1,293$1,025$547
21 years$2,357$1,884$1,493$1,174$917$471
22 years$2,226$1,759$1,376$1,067$822$406
23 years$2,107$1,645$1,271$972$738$351
24 years$1,998$1,541$1,175$887$663$303
25 years$1,898$1,446$1,088$810$597$262
26 years$1,805$1,359$1,009$740$538$226
27 years$1,720$1,279$937$678$485$196
28 years$1,640$1,206$871$621$437$169
29 years$1,567$1,137$811$569$395$147
30 years$1,498$1,074$755$523$357$127
31 years$1,434$1,015$704$480$323$110
32 years$1,374$961$657$441$292$95
33 years$1,318$910$613$406$264$83
34 years$1,265$862$573$373$239$72
35 years$1,216$818$536$344$217$62
36 years$1,169$776$501$316$196$54
37 years$1,125$737$469$291$178$47
38 years$1,083$701$439$269$161$41
39 years$1,044$666$412$248$146$35
40 years$1,006$634$386$228$133$31
41 years$971$603$362$211$120$26
42 years$937$575$339$195$109$23
43 years$905$548$318$180$99$20
44 years$874$522$299$166$90$17
45 years$845$498$281$153$82$15
46 years$818$475$264$141$74$13
47 years$791$453$248$131$67$11
48 years$766$433$233$121$61$10
49 years$742$413$219$112$56$9
50 years$719$395$206$103$50$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $736,000, adding $3,137 every year, while hoping to spend $43,863 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: 70/19/11 Blend
34$736,000$736,000$736,000$736,000
35$814,308$775,300$763,892$869,252
36$850,697$766,620$742,812$897,408
37$889,328$756,044$719,557$922,581
38$930,384$743,434$694,005$948,960
39$974,062$728,641$666,034$976,658
40$1,020,582$711,511$635,512$1,005,796
41$1,070,184$691,877$602,303$1,036,510
42$1,123,127$669,563$566,265$1,068,951
43$1,179,700$644,386$527,250$1,103,288
44$1,240,218$616,149$485,100$1,139,705
45$1,305,023$584,644$439,655$1,178,409
46$1,374,496$549,652$390,743$1,219,630
47$1,449,050$510,940$338,189$1,263,620
48$1,529,141$468,264$281,806$1,310,660
49$1,615,268$421,363$221,401$1,361,064
50$1,707,980$369,965$156,772$1,415,176
51$1,807,879$313,778$87,709$1,473,380
52$1,915,627$252,498$13,992$1,536,100
53$2,031,950$185,800$0$1,603,806
54$2,157,648$113,343$0$1,684,611
55$2,293,598$34,766$0$1,773,747
56$2,440,765$0$0$1,870,237
57$2,600,209$0$0$1,985,338
58$2,773,097$0$0$2,118,059
59$2,960,710$0$0$2,262,120
60$3,164,461$0$0$2,418,607
61$3,385,899$0$0$2,588,717
62$3,626,731$0$0$2,773,765
63$3,888,836$0$0$2,975,200
64$4,174,279$0$0$3,194,615
65$4,485,335$0$0$3,433,762
66$4,824,503$0$0$3,694,571
67$5,194,540$0$0$3,979,165
68$5,598,476$0$0$4,289,882
69$6,039,646$0$0$4,629,294
70$6,521,725$0$0$5,000,235
71$7,048,757$0$0$5,405,822
72$7,625,192$0$0$5,849,489
73$8,255,935$0$0$6,335,017
74$8,946,381$0$0$6,866,569
75$9,702,476$0$0$7,448,729
76$10,530,765$0$0$8,086,544
77$11,438,456$0$0$8,785,575
78$12,433,489$0$0$9,551,945
79$13,524,606$0$0$10,392,397
80$14,721,440$0$0$11,314,359
81$16,034,595$0$0$12,326,012
82$17,475,758$0$0$13,436,367
83$19,057,796$0$0$14,655,352
84$20,794,887$0$0$15,993,900
85$22,702,646$0$0$17,464,057
86$24,798,278$0$0$19,079,091
87$27,100,732$0$0$20,853,620
88$29,630,888$0$0$22,803,747
89$32,411,745$0$0$24,947,214
90$35,468,642$0$0$27,303,566
91$38,829,496$0$0$29,894,335
92$42,525,063$0$0$32,743,245
93$46,589,229$0$0$35,876,434
94$51,059,328$0$0$39,322,700
95$55,976,495$0$0$43,113,772
96$61,386,049$0$0$47,284,607
97$67,337,927$0$0$51,873,725
98$73,887,146$0$0$56,923,564
99$81,094,330$0$0$62,480,887
100$89,026,274$0$0$68,597,217