Can I retire at age 35 with 738,000?

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 $738,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$60,943$60,400$59,871$59,354$58,849$58,380
2 years$30,170$29,608$29,064$28,536$28,023$27,551
3 years$19,914$19,349$18,806$18,283$17,779$17,318
4 years$14,786$14,224$13,686$13,172$12,680$12,233
5 years$11,711$11,152$10,621$10,117$9,639$9,208
6 years$9,661$9,106$8,583$8,091$7,627$7,212
7 years$8,198$7,647$7,133$6,652$6,203$5,804
8 years$7,100$6,555$6,049$5,580$5,146$4,764
9 years$6,248$5,707$5,210$4,753$4,334$3,968
10 years$5,566$5,031$4,542$4,097$3,693$3,343
11 years$5,008$4,479$3,999$3,566$3,176$2,842
12 years$4,544$4,020$3,549$3,128$2,752$2,434
13 years$4,151$3,633$3,171$2,761$2,400$2,097
14 years$3,815$3,302$2,849$2,451$2,104$1,816
15 years$3,524$3,016$2,572$2,186$1,852$1,579
16 years$3,270$2,768$2,332$1,957$1,637$1,377
17 years$3,045$2,549$2,122$1,759$1,451$1,206
18 years$2,846$2,355$1,937$1,585$1,291$1,058
19 years$2,668$2,183$1,773$1,432$1,150$930
20 years$2,508$2,028$1,628$1,297$1,027$820
21 years$2,364$1,889$1,497$1,177$919$723
22 years$2,232$1,764$1,380$1,070$824$639
23 years$2,113$1,649$1,274$975$740$566
24 years$2,003$1,545$1,178$889$665$501
25 years$1,903$1,450$1,091$812$598$445
26 years$1,810$1,363$1,012$742$539$395
27 years$1,724$1,283$940$679$486$351
28 years$1,645$1,209$874$623$438$312
29 years$1,571$1,140$813$571$396$277
30 years$1,502$1,077$757$524$358$247
31 years$1,438$1,018$706$481$323$220
32 years$1,378$963$659$442$293$196
33 years$1,322$912$615$407$265$174
34 years$1,269$865$575$374$240$155
35 years$1,219$820$537$344$217$138
36 years$1,172$778$503$317$197$123
37 years$1,128$739$470$292$178$110
38 years$1,086$703$441$269$162$98
39 years$1,046$668$413$248$147$88
40 years$1,009$636$387$229$133$78
41 years$973$605$363$211$121$70
42 years$940$576$340$195$109$62
43 years$907$549$319$180$99$56
44 years$877$523$300$166$90$50
45 years$848$499$281$154$82$44
46 years$820$476$264$142$74$40
47 years$793$454$248$131$67$35
48 years$768$434$233$121$61$32
49 years$744$414$219$112$56$28
50 years$721$396$206$103$51$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $738,000, adding $3,763 every year, while hoping to spend $40,857 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: 54/36/10 Blend
34$738,000$738,000$738,000$738,000
35$817,158$778,044$766,605$859,028
36$857,036$772,696$748,814$882,503
37$899,613$765,717$729,059$903,266
38$945,120$756,984$707,229$924,900
39$993,812$746,366$683,211$947,494
40$1,045,967$733,725$656,885$971,151
41$1,101,893$718,914$628,127$995,983
42$1,161,923$701,778$596,807$1,022,120
43$1,226,428$682,153$562,788$1,049,704
44$1,295,810$659,865$525,928$1,078,895
45$1,370,514$634,731$486,078$1,109,873
46$1,451,028$606,554$443,084$1,142,839
47$1,537,887$575,129$396,781$1,178,016
48$1,631,680$540,239$347,001$1,215,656
49$1,733,053$501,652$293,567$1,256,038
50$1,842,716$459,125$236,294$1,299,473
51$1,961,451$412,400$174,988$1,346,310
52$2,090,117$361,205$109,447$1,396,935
53$2,229,657$305,253$39,462$1,451,781
54$2,381,111$244,239$0$1,511,328
55$2,545,619$177,842$0$1,579,869
56$2,724,439$105,723$0$1,658,979
57$2,918,952$27,524$0$1,745,130
58$3,130,680$0$0$1,839,083
59$3,361,294$0$0$1,964,316
60$3,612,636$0$0$2,112,754
61$3,886,733$0$0$2,274,696
62$4,185,815$0$0$2,451,469
63$4,512,335$0$0$2,644,533
64$4,868,997$0$0$2,855,495
65$5,258,776$0$0$3,086,123
66$5,684,945$0$0$3,338,365
67$6,151,112$0$0$3,614,365
68$6,661,247$0$0$3,916,486
69$7,219,720$0$0$4,247,327
70$7,831,348$0$0$4,609,751
71$8,501,431$0$0$5,006,912
72$9,235,807$0$0$5,442,283
73$10,040,908$0$0$5,919,689
74$10,923,816$0$0$6,443,343
75$11,892,330$0$0$7,017,884
76$12,955,042$0$0$7,648,425
77$14,121,416$0$0$8,340,594
78$15,401,877$0$0$9,100,593
79$16,807,907$0$0$9,935,253
80$18,352,156$0$0$10,852,101
81$20,048,559$0$0$11,859,426
82$21,912,466$0$0$12,966,361
83$23,960,788$0$0$14,182,967
84$26,212,156$0$0$15,520,329
85$28,687,097$0$0$16,990,660
86$31,408,222$0$0$18,607,413
87$34,400,445$0$0$20,385,411
88$37,691,216$0$0$22,340,986
89$41,310,776$0$0$24,492,132
90$45,292,446$0$0$26,858,675
91$49,672,937$0$0$29,462,458
92$54,492,698$0$0$32,327,549
93$59,796,299$0$0$35,480,467
94$65,632,846$0$0$38,950,431
95$72,056,446$0$0$42,769,636
96$79,126,718$0$0$46,973,558
97$86,909,354$0$0$51,601,284
98$95,476,738$0$0$56,695,886
99$104,908,628$0$0$62,304,822
100$115,292,908$0$0$68,480,387