Can I retire at age 35 with 739,000?

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 $739,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$61,026$60,482$59,952$59,434$58,929$57,739
2 years$30,211$29,648$29,103$28,574$28,061$26,868
3 years$19,941$19,375$18,832$18,308$17,803$16,643
4 years$14,806$14,243$13,705$13,190$12,697$11,580
5 years$11,727$11,167$10,635$10,131$9,652$8,581
6 years$9,674$9,118$8,595$8,102$7,638$6,613
7 years$8,209$7,658$7,142$6,661$6,211$5,233
8 years$7,110$6,564$6,057$5,588$5,153$4,222
9 years$6,256$5,715$5,217$4,759$4,340$3,454
10 years$5,573$5,038$4,548$4,103$3,698$2,858
11 years$5,015$4,485$4,004$3,571$3,180$2,384
12 years$4,550$4,025$3,554$3,132$2,756$2,003
13 years$4,157$3,638$3,175$2,765$2,403$1,692
14 years$3,820$3,307$2,853$2,454$2,106$1,436
15 years$3,529$3,021$2,576$2,189$1,855$1,223
16 years$3,274$2,771$2,335$1,960$1,639$1,046
17 years$3,049$2,552$2,125$1,761$1,453$896
18 years$2,850$2,358$1,940$1,587$1,292$769
19 years$2,672$2,186$1,776$1,434$1,152$662
20 years$2,512$2,031$1,630$1,299$1,029$570
21 years$2,367$1,892$1,499$1,179$921$492
22 years$2,235$1,766$1,382$1,072$825$425
23 years$2,116$1,652$1,276$976$741$368
24 years$2,006$1,548$1,180$890$666$318
25 years$1,905$1,452$1,093$813$599$276
26 years$1,812$1,365$1,013$743$540$239
27 years$1,727$1,285$941$680$487$207
28 years$1,647$1,210$875$623$439$180
29 years$1,573$1,142$814$572$396$156
30 years$1,504$1,078$758$525$358$135
31 years$1,440$1,019$707$482$324$118
32 years$1,380$965$660$443$293$102
33 years$1,323$913$616$407$265$89
34 years$1,270$866$575$375$240$77
35 years$1,221$821$538$345$217$67
36 years$1,174$779$503$318$197$58
37 years$1,129$740$471$293$179$51
38 years$1,088$704$441$270$162$44
39 years$1,048$669$413$249$147$38
40 years$1,010$636$387$229$133$33
41 years$975$606$363$212$121$29
42 years$941$577$341$195$110$25
43 years$909$550$320$180$99$22
44 years$878$524$300$167$90$19
45 years$849$500$282$154$82$17
46 years$821$477$265$142$74$14
47 years$794$455$249$131$68$13
48 years$769$434$234$121$61$11
49 years$745$415$220$112$56$10
50 years$722$396$206$104$51$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $739,000, adding $2,700 every year, while hoping to spend $22,352 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: 62/10/28 Blend
34$739,000$739,000$739,000$739,000
35$817,163$777,996$766,542$861,536
36$876,731$792,336$768,438$906,348
37$941,626$806,628$769,650$952,595
38$1,012,368$820,849$770,129$1,002,619
39$1,089,528$834,969$769,827$1,056,793
40$1,173,737$848,959$768,692$1,115,531
41$1,265,686$862,787$766,672$1,179,286
42$1,366,140$876,417$763,709$1,248,560
43$1,475,937$889,812$759,744$1,323,906
44$1,596,003$902,934$754,716$1,405,934
45$1,727,356$915,738$748,560$1,495,315
46$1,871,116$928,179$741,206$1,592,792
47$2,028,519$940,208$732,585$1,699,181
48$2,200,922$951,773$722,621$1,815,386
49$2,389,824$962,818$711,237$1,942,400
50$2,596,873$973,282$698,350$2,081,319
51$2,823,884$983,103$683,875$2,233,353
52$3,072,857$992,213$667,722$2,399,836
53$3,345,996$1,000,538$649,798$2,582,236
54$3,645,725$1,008,002$630,003$2,782,177
55$3,974,717$1,014,522$608,237$3,001,444
56$4,335,916$1,020,012$584,391$3,242,010
57$4,732,564$1,024,377$558,353$3,506,047
58$5,168,234$1,027,520$530,005$3,795,951
59$5,646,860$1,029,334$499,227$4,114,366
60$6,172,776$1,029,709$465,888$4,464,204
61$6,750,760$1,028,524$429,855$4,848,676
62$7,386,070$1,025,655$390,989$5,271,323
63$8,084,505$1,020,968$349,142$5,736,051
64$8,852,449$1,014,320$304,163$6,247,162
65$9,696,939$1,005,561$255,892$6,809,402
66$10,625,724$994,532$204,162$7,428,002
67$11,647,347$981,062$148,800$8,108,728
68$12,771,215$964,974$89,624$8,857,940
69$14,007,697$946,075$26,445$9,682,645
70$15,368,216$924,166$0$10,590,571
71$16,865,357$899,033$0$11,602,476
72$18,512,988$870,451$0$12,724,736
73$20,326,389$838,180$0$13,959,854
74$22,322,398$801,967$0$15,319,308
75$24,519,565$761,546$0$16,815,745
76$26,938,332$716,633$0$18,463,099
77$29,601,222$666,929$0$20,276,730
78$32,533,056$612,117$0$22,273,561
79$35,761,181$551,864$0$24,472,240
80$39,315,732$485,816$0$26,893,321
81$43,229,915$413,599$0$29,559,450
82$47,540,319$334,819$0$32,495,586
83$52,287,265$249,059$0$35,729,232
84$57,515,182$155,878$0$39,290,697
85$63,273,026$54,811$0$43,213,382
86$69,614,746$0$0$47,534,093
87$76,599,789$0$0$52,299,403
88$84,293,664$0$0$57,555,012
89$92,768,555$0$0$63,344,207
90$102,104,010$0$0$69,721,334
91$112,387,681$0$0$76,746,284
92$123,716,163$0$0$84,485,049
93$136,195,896$0$0$93,010,354
94$149,944,173$0$0$102,402,337
95$165,090,247$0$0$112,749,307
96$181,776,552$0$0$124,148,579
97$200,160,044$0$0$136,707,390
98$220,413,683$0$0$150,543,913
99$242,728,069$0$0$165,788,371
100$267,313,237$0$0$182,584,266