Can I retire at age 35 with 737,000?

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 $737,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$60,861$60,319$59,790$59,274$58,769$57,209
2 years$30,129$29,568$29,024$28,497$27,985$26,425
3 years$19,887$19,323$18,781$18,258$17,755$16,242
4 years$14,766$14,204$13,667$13,154$12,663$11,210
5 years$11,695$11,136$10,606$10,104$9,626$8,237
6 years$9,648$9,094$8,572$8,080$7,617$6,293
7 years$8,187$7,637$7,123$6,643$6,195$4,935
8 years$7,091$6,546$6,041$5,573$5,139$3,944
9 years$6,239$5,700$5,203$4,747$4,328$3,197
10 years$5,558$5,024$4,536$4,092$3,688$2,618
11 years$5,001$4,473$3,994$3,561$3,171$2,162
12 years$4,538$4,014$3,544$3,123$2,748$1,798
13 years$4,146$3,628$3,166$2,758$2,397$1,503
14 years$3,810$3,298$2,845$2,448$2,101$1,261
15 years$3,519$3,012$2,569$2,183$1,850$1,063
16 years$3,265$2,764$2,329$1,955$1,635$898
17 years$3,041$2,545$2,119$1,756$1,449$760
18 years$2,842$2,352$1,935$1,583$1,289$645
19 years$2,665$2,180$1,771$1,430$1,149$549
20 years$2,505$2,026$1,625$1,295$1,026$467
21 years$2,360$1,887$1,495$1,176$918$398
22 years$2,229$1,761$1,378$1,069$823$340
23 years$2,110$1,647$1,272$973$739$290
24 years$2,001$1,543$1,177$888$664$248
25 years$1,900$1,448$1,090$811$598$212
26 years$1,808$1,361$1,011$741$538$181
27 years$1,722$1,281$939$679$485$155
28 years$1,643$1,207$872$622$438$133
29 years$1,569$1,139$812$570$395$114
30 years$1,500$1,075$756$523$357$98
31 years$1,436$1,017$705$481$323$84
32 years$1,376$962$658$442$292$72
33 years$1,320$911$614$406$264$62
34 years$1,267$863$574$374$239$53
35 years$1,217$819$537$344$217$45
36 years$1,171$777$502$317$196$39
37 years$1,126$738$470$292$178$33
38 years$1,085$702$440$269$161$29
39 years$1,045$667$412$248$146$25
40 years$1,008$635$386$229$133$21
41 years$972$604$362$211$120$18
42 years$938$575$340$195$109$15
43 years$906$548$319$180$99$13
44 years$876$523$299$166$90$11
45 years$847$498$281$153$82$10
46 years$819$475$264$142$74$8
47 years$792$454$248$131$67$7
48 years$767$433$233$121$61$6
49 years$743$414$219$112$56$5
50 years$720$395$206$103$50$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $737,000, adding $5,366 every year, while hoping to spend $42,784 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: 57/18/25 Blend
34$737,000$737,000$737,000$737,000
35$817,709$778,648$767,225$858,475
36$855,594$771,280$747,405$879,606
37$895,908$762,117$725,487$897,644
38$938,856$751,026$701,356$916,403
39$984,659$737,865$674,891$935,966
40$1,033,560$722,486$645,965$956,424
41$1,085,825$704,731$614,447$977,880
42$1,141,747$684,430$580,199$1,000,451
43$1,201,646$661,408$543,077$1,024,267
44$1,265,873$635,476$502,929$1,049,475
45$1,334,813$606,436$459,598$1,076,239
46$1,408,890$574,077$412,920$1,104,742
47$1,488,567$538,177$362,723$1,135,189
48$1,574,354$498,501$308,828$1,167,811
49$1,666,811$454,800$251,047$1,202,862
50$1,766,552$406,812$189,184$1,240,631
51$1,874,254$354,259$123,034$1,281,435
52$1,990,658$296,848$52,386$1,325,631
53$2,116,580$234,268$0$1,373,615
54$2,252,916$166,193$0$1,431,966
55$2,400,653$92,275$0$1,510,349
56$2,560,874$12,151$0$1,595,388
57$2,734,771$0$0$1,687,758
58$2,923,655$0$0$1,802,974
59$3,128,969$0$0$1,930,885
60$3,352,298$0$0$2,070,079
61$3,595,389$0$0$2,221,651
62$3,860,161$0$0$2,386,807
63$4,148,728$0$0$2,566,873
64$4,463,416$0$0$2,763,310
65$4,806,785$0$0$2,977,723
66$5,181,653$0$0$3,211,882
67$5,591,121$0$0$3,467,733
68$6,038,605$0$0$3,747,421
69$6,527,864$0$0$4,053,305
70$7,063,036$0$0$4,387,985
71$7,648,681$0$0$4,754,321
72$8,289,815$0$0$5,155,464
73$8,991,965$0$0$5,594,884
74$9,761,218$0$0$6,076,403
75$10,604,274$0$0$6,604,227
76$11,528,516$0$0$7,182,993
77$12,542,072$0$0$7,817,805
78$13,653,897$0$0$8,514,285
79$14,873,853$0$0$9,278,626
80$16,212,803$0$0$10,117,651
81$17,682,713$0$0$11,038,873
82$19,296,765$0$0$12,050,571
83$21,069,478$0$0$13,161,862
84$23,016,847$0$0$14,382,792
85$25,156,494$0$0$15,724,427
86$27,507,831$0$0$17,198,958
87$30,092,244$0$0$18,819,817
88$32,933,293$0$0$20,601,801
89$36,056,935$0$0$22,561,210
90$39,491,769$0$0$24,716,008
91$43,269,303$0$0$27,085,982
92$47,424,250$0$0$29,692,935
93$51,994,859$0$0$32,560,889
94$57,023,270$0$0$35,716,311
95$62,555,913$0$0$39,188,364
96$68,643,950$0$0$43,009,179
97$75,343,746$0$0$47,214,162
98$82,717,413$0$0$51,842,320
99$90,833,385$0$0$56,936,639
100$99,767,068$0$0$62,544,480