Can I retire at age 35 with 737,000?

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 $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%15%
1 years$60,861$60,319$59,790$59,274$58,769$57,559
2 years$30,129$29,568$29,024$28,497$27,985$26,772
3 years$19,887$19,323$18,781$18,258$17,755$16,576
4 years$14,766$14,204$13,667$13,154$12,663$11,527
5 years$11,695$11,136$10,606$10,104$9,626$8,537
6 years$9,648$9,094$8,572$8,080$7,617$6,575
7 years$8,187$7,637$7,123$6,643$6,195$5,201
8 years$7,091$6,546$6,041$5,573$5,139$4,193
9 years$6,239$5,700$5,203$4,747$4,328$3,429
10 years$5,558$5,024$4,536$4,092$3,688$2,835
11 years$5,001$4,473$3,994$3,561$3,171$2,364
12 years$4,538$4,014$3,544$3,123$2,748$1,985
13 years$4,146$3,628$3,166$2,758$2,397$1,676
14 years$3,810$3,298$2,845$2,448$2,101$1,421
15 years$3,519$3,012$2,569$2,183$1,850$1,210
16 years$3,265$2,764$2,329$1,955$1,635$1,033
17 years$3,041$2,545$2,119$1,756$1,449$885
18 years$2,842$2,352$1,935$1,583$1,289$759
19 years$2,665$2,180$1,771$1,430$1,149$653
20 years$2,505$2,026$1,625$1,295$1,026$562
21 years$2,360$1,887$1,495$1,176$918$484
22 years$2,229$1,761$1,378$1,069$823$418
23 years$2,110$1,647$1,272$973$739$361
24 years$2,001$1,543$1,177$888$664$313
25 years$1,900$1,448$1,090$811$598$270
26 years$1,808$1,361$1,011$741$538$234
27 years$1,722$1,281$939$679$485$203
28 years$1,643$1,207$872$622$438$176
29 years$1,569$1,139$812$570$395$153
30 years$1,500$1,075$756$523$357$132
31 years$1,436$1,017$705$481$323$115
32 years$1,376$962$658$442$292$100
33 years$1,320$911$614$406$264$87
34 years$1,267$863$574$374$239$75
35 years$1,217$819$537$344$217$65
36 years$1,171$777$502$317$196$57
37 years$1,126$738$470$292$178$49
38 years$1,085$702$440$269$161$43
39 years$1,045$667$412$248$146$37
40 years$1,008$635$386$229$133$32
41 years$972$604$362$211$120$28
42 years$938$575$340$195$109$24
43 years$906$548$319$180$99$21
44 years$876$523$299$166$90$18
45 years$847$498$281$153$82$16
46 years$819$475$264$142$74$14
47 years$792$454$248$131$67$12
48 years$767$433$233$121$61$11
49 years$743$414$219$112$56$9
50 years$720$395$206$103$50$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $737,000, adding $2,581 every year, while hoping to spend $45,850 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: 73/5/22 Blend
34$737,000$737,000$737,000$737,000
35$814,836$775,775$764,352$869,759
36$849,166$765,004$741,174$895,876
37$885,460$752,169$715,682$918,734
38$923,871$737,119$687,752$942,628
39$964,565$719,697$657,250$967,653
40$1,007,723$699,735$624,041$993,917
41$1,053,544$677,055$587,979$1,021,535
42$1,102,243$651,469$548,915$1,050,639
43$1,154,060$622,778$506,691$1,081,374
44$1,209,252$590,773$461,143$1,113,900
45$1,268,104$555,229$412,100$1,148,396
46$1,330,928$515,913$359,383$1,185,058
47$1,398,065$472,574$302,804$1,224,105
48$1,469,888$424,951$242,168$1,265,782
49$1,546,807$372,764$177,272$1,310,355
50$1,629,272$315,720$107,901$1,358,125
51$1,717,777$253,510$33,835$1,409,419
52$1,812,862$185,803$0$1,464,605
53$1,915,121$112,255$0$1,534,700
54$2,025,208$32,500$0$1,618,704
55$2,143,838$0$0$1,709,224
56$2,271,798$0$0$1,809,833
57$2,409,952$0$0$1,920,414
58$2,559,251$0$0$2,039,942
59$2,720,738$0$0$2,169,258
60$2,895,561$0$0$2,309,282
61$3,084,980$0$0$2,461,030
62$3,290,384$0$0$2,625,617
63$3,513,297$0$0$2,804,269
64$3,755,398$0$0$2,998,334
65$4,018,530$0$0$3,209,298
66$4,304,724$0$0$3,438,791
67$4,616,214$0$0$3,688,610
68$4,955,456$0$0$3,960,731
69$5,325,156$0$0$4,257,329
70$5,728,288$0$0$4,580,797
71$6,168,129$0$0$4,933,768
72$6,648,284$0$0$5,319,144
73$7,172,721$0$0$5,740,115
74$7,745,809$0$0$6,200,195
75$8,372,359$0$0$6,703,253
76$9,057,666$0$0$7,253,548
77$9,807,562$0$0$7,855,770
78$10,628,466$0$0$8,515,082
79$11,527,448$0$0$9,237,173
80$12,512,296$0$0$10,028,303
81$13,591,584$0$0$10,895,370
82$14,774,754$0$0$11,845,970
83$16,072,207$0$0$12,888,468
84$17,495,400$0$0$14,032,079
85$19,056,948$0$0$15,286,951
86$20,770,751$0$0$16,664,263
87$22,652,116$0$0$18,176,329
88$24,717,907$0$0$19,836,714
89$26,986,700$0$0$21,660,360
90$29,478,958$0$0$23,663,727
91$32,217,225$0$0$25,864,949
92$35,226,334$0$0$28,284,003
93$38,533,645$0$0$30,942,896
94$42,169,300$0$0$33,865,875
95$46,166,506$0$0$37,079,651
96$50,561,850$0$0$40,613,657
97$55,395,639$0$0$44,500,314
98$60,712,283$0$0$48,775,349
99$66,560,713$0$0$53,478,122
100$72,994,840$0$0$58,652,000