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%13.8%
1 years$60,861$60,319$59,790$59,274$58,769$57,843
2 years$30,129$29,568$29,024$28,497$27,985$27,055
3 years$19,887$19,323$18,781$18,258$17,755$16,849
4 years$14,766$14,204$13,667$13,154$12,663$11,788
5 years$11,695$11,136$10,606$10,104$9,626$8,786
6 years$9,648$9,094$8,572$8,080$7,617$6,811
7 years$8,187$7,637$7,123$6,643$6,195$5,424
8 years$7,091$6,546$6,041$5,573$5,139$4,403
9 years$6,239$5,700$5,203$4,747$4,328$3,627
10 years$5,558$5,024$4,536$4,092$3,688$3,021
11 years$5,001$4,473$3,994$3,561$3,171$2,538
12 years$4,538$4,014$3,544$3,123$2,748$2,147
13 years$4,146$3,628$3,166$2,758$2,397$1,827
14 years$3,810$3,298$2,845$2,448$2,101$1,562
15 years$3,519$3,012$2,569$2,183$1,850$1,341
16 years$3,265$2,764$2,329$1,955$1,635$1,155
17 years$3,041$2,545$2,119$1,756$1,449$997
18 years$2,842$2,352$1,935$1,583$1,289$863
19 years$2,665$2,180$1,771$1,430$1,149$749
20 years$2,505$2,026$1,625$1,295$1,026$651
21 years$2,360$1,887$1,495$1,176$918$566
22 years$2,229$1,761$1,378$1,069$823$493
23 years$2,110$1,647$1,272$973$739$430
24 years$2,001$1,543$1,177$888$664$376
25 years$1,900$1,448$1,090$811$598$328
26 years$1,808$1,361$1,011$741$538$287
27 years$1,722$1,281$939$679$485$251
28 years$1,643$1,207$872$622$438$220
29 years$1,569$1,139$812$570$395$192
30 years$1,500$1,075$756$523$357$169
31 years$1,436$1,017$705$481$323$148
32 years$1,376$962$658$442$292$130
33 years$1,320$911$614$406$264$114
34 years$1,267$863$574$374$239$100
35 years$1,217$819$537$344$217$87
36 years$1,171$777$502$317$196$77
37 years$1,126$738$470$292$178$67
38 years$1,085$702$440$269$161$59
39 years$1,045$667$412$248$146$52
40 years$1,008$635$386$229$133$46
41 years$972$604$362$211$120$40
42 years$938$575$340$195$109$35
43 years$906$548$319$180$99$31
44 years$876$523$299$166$90$27
45 years$847$498$281$153$82$24
46 years$819$475$264$142$74$21
47 years$792$454$248$131$67$18
48 years$767$433$233$121$61$16
49 years$743$414$219$112$56$14
50 years$720$395$206$103$50$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $737,000, adding $6,130 every year, while hoping to spend $43,539 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: 42/41/17 Blend
34$737,000$737,000$737,000$737,000
35$818,497$779,436$768,013$848,563
36$855,659$771,303$747,416$862,259
37$895,151$761,313$724,670$872,345
38$937,167$749,327$699,657$882,345
39$981,916$735,202$672,253$892,274
40$1,029,628$718,783$642,330$902,148
41$1,080,554$699,908$609,752$911,990
42$1,134,971$678,404$574,379$921,829
43$1,193,180$654,088$536,063$931,702
44$1,255,514$626,768$494,651$941,651
45$1,322,336$596,239$449,981$951,728
46$1,394,045$562,285$401,886$961,997
47$1,471,077$524,677$350,189$972,530
48$1,553,915$483,174$294,708$983,414
49$1,643,085$437,520$235,252$994,749
50$1,739,167$387,446$171,619$1,006,653
51$1,842,796$332,665$103,603$1,019,260
52$1,954,672$272,876$30,984$1,032,727
53$2,075,562$207,761$0$1,047,231
54$2,206,311$136,982$0$1,071,415
55$2,347,845$60,185$0$1,103,621
56$2,501,186$0$0$1,138,532
57$2,667,455$0$0$1,186,877
58$2,847,883$0$0$1,268,883
59$3,043,829$0$0$1,358,023
60$3,256,783$0$0$1,454,987
61$3,488,386$0$0$1,560,533
62$3,740,445$0$0$1,675,493
63$4,014,945$0$0$1,800,787
64$4,314,073$0$0$1,937,425
65$4,640,234$0$0$2,086,517
66$4,996,077$0$0$2,249,289
67$5,384,516$0$0$2,427,086
68$5,808,759$0$0$2,621,393
69$6,272,338$0$0$2,833,841
70$6,779,141$0$0$3,066,229
71$7,333,449$0$0$3,320,535
72$7,939,977$0$0$3,598,939
73$8,603,913$0$0$3,903,841
74$9,330,973$0$0$4,237,884
75$10,127,452$0$0$4,603,979
76$11,000,280$0$0$5,005,332
77$11,957,092$0$0$5,445,472
78$13,006,293$0$0$5,928,289
79$14,157,145$0$0$6,458,066
80$15,419,847$0$0$7,039,520
81$16,805,632$0$0$7,677,849
82$18,326,876$0$0$8,378,777
83$19,997,209$0$0$9,148,609
84$21,831,648$0$0$9,994,293
85$23,846,733$0$0$10,923,482
86$26,060,686$0$0$11,944,605
87$28,493,583$0$0$13,066,952
88$31,167,539$0$0$14,300,753
89$34,106,918$0$0$15,657,283
90$37,338,563$0$0$17,148,962
91$40,892,046$0$0$18,789,472
92$44,799,951$0$0$20,593,891
93$49,098,176$0$0$22,578,830
94$53,826,271$0$0$24,762,590
95$59,027,814$0$0$27,165,336
96$64,750,819$0$0$29,809,286
97$71,048,189$0$0$32,718,921
98$77,978,214$0$0$35,921,216
99$85,605,119$0$0$39,445,890
100$93,999,672$0$0$43,325,695