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%12.7%
1 years$61,026$60,482$59,952$59,434$58,929$58,265
2 years$30,211$29,648$29,103$28,574$28,061$27,393
3 years$19,941$19,375$18,832$18,308$17,803$17,151
4 years$14,806$14,243$13,705$13,190$12,697$12,067
5 years$11,727$11,167$10,635$10,131$9,652$9,045
6 years$9,674$9,118$8,595$8,102$7,638$7,054
7 years$8,209$7,658$7,142$6,661$6,211$5,652
8 years$7,110$6,564$6,057$5,588$5,153$4,618
9 years$6,256$5,715$5,217$4,759$4,340$3,828
10 years$5,573$5,038$4,548$4,103$3,698$3,210
11 years$5,015$4,485$4,004$3,571$3,180$2,715
12 years$4,550$4,025$3,554$3,132$2,756$2,314
13 years$4,157$3,638$3,175$2,765$2,403$1,983
14 years$3,820$3,307$2,853$2,454$2,106$1,708
15 years$3,529$3,021$2,576$2,189$1,855$1,477
16 years$3,274$2,771$2,335$1,960$1,639$1,282
17 years$3,049$2,552$2,125$1,761$1,453$1,116
18 years$2,850$2,358$1,940$1,587$1,292$973
19 years$2,672$2,186$1,776$1,434$1,152$851
20 years$2,512$2,031$1,630$1,299$1,029$745
21 years$2,367$1,892$1,499$1,179$921$654
22 years$2,235$1,766$1,382$1,072$825$575
23 years$2,116$1,652$1,276$976$741$505
24 years$2,006$1,548$1,180$890$666$445
25 years$1,905$1,452$1,093$813$599$392
26 years$1,812$1,365$1,013$743$540$346
27 years$1,727$1,285$941$680$487$305
28 years$1,647$1,210$875$623$439$270
29 years$1,573$1,142$814$572$396$238
30 years$1,504$1,078$758$525$358$211
31 years$1,440$1,019$707$482$324$186
32 years$1,380$965$660$443$293$165
33 years$1,323$913$616$407$265$146
34 years$1,270$866$575$375$240$129
35 years$1,221$821$538$345$217$114
36 years$1,174$779$503$318$197$101
37 years$1,129$740$471$293$179$90
38 years$1,088$704$441$270$162$80
39 years$1,048$669$413$249$147$71
40 years$1,010$636$387$229$133$63
41 years$975$606$363$212$121$55
42 years$941$577$341$195$110$49
43 years$909$550$320$180$99$44
44 years$878$524$300$167$90$39
45 years$849$500$282$154$82$34
46 years$821$477$265$142$74$30
47 years$794$455$249$131$68$27
48 years$769$434$234$121$61$24
49 years$745$415$220$112$56$21
50 years$722$396$206$104$51$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $739,000, adding $6,460 every year, while hoping to spend $32,539 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: 55/17/28 Blend
34$739,000$739,000$739,000$739,000
35$821,041$781,874$770,420$859,517
36$870,166$785,565$761,608$890,447
37$923,212$788,346$751,410$920,223
38$980,542$790,138$739,745$951,999
39$1,042,561$790,858$726,530$985,977
40$1,109,708$790,416$711,674$1,022,386
41$1,182,470$788,718$695,087$1,061,475
42$1,261,379$785,663$676,670$1,103,522
43$1,347,024$781,144$656,323$1,148,835
44$1,440,050$775,050$633,939$1,197,753
45$1,541,167$767,259$609,408$1,250,655
46$1,651,156$757,644$582,613$1,307,957
47$1,770,876$746,072$553,433$1,370,122
48$1,901,274$732,398$521,742$1,437,660
49$2,043,391$716,472$487,407$1,511,138
50$2,198,371$698,134$450,289$1,591,181
51$2,367,476$677,213$410,245$1,678,480
52$2,552,093$653,531$367,122$1,773,803
53$2,753,749$626,897$320,764$1,877,994
54$2,974,127$597,110$271,005$1,991,990
55$3,215,078$563,958$217,673$2,116,826
56$3,478,639$527,215$160,588$2,253,644
57$3,767,056$486,645$99,564$2,403,709
58$4,082,799$441,994$34,403$2,568,417
59$4,428,591$392,998$0$2,749,311
60$4,807,428$339,376$0$2,958,593
61$5,222,611$280,830$0$3,199,299
62$5,677,774$217,048$0$3,463,289
63$6,176,922$147,698$0$3,752,929
64$6,724,462$72,430$0$4,070,827
65$7,325,253$0$0$4,419,863
66$7,984,644$0$0$4,804,915
67$8,708,528$0$0$5,242,571
68$9,503,395$0$0$5,723,217
69$10,376,397$0$0$6,251,184
70$11,335,410$0$0$6,831,247
71$12,389,112$0$0$7,468,662
72$13,547,063$0$0$8,169,224
73$14,819,793$0$0$8,939,314
74$16,218,907$0$0$9,785,964
75$17,757,186$0$0$10,716,919
76$19,448,714$0$0$11,740,714
77$21,309,007$0$0$12,866,752
78$23,355,161$0$0$14,105,394
79$25,606,010$0$0$15,468,053
80$28,082,308$0$0$16,967,307
81$30,806,919$0$0$18,617,013
82$33,805,037$0$0$20,432,438
83$37,104,422$0$0$22,430,406
84$40,735,659$0$0$24,629,453
85$44,732,449$0$0$27,050,004
86$49,131,927$0$0$29,714,564
87$53,975,010$0$0$32,647,931
88$59,306,784$0$0$35,877,430
89$65,176,928$0$0$39,433,170
90$71,640,184$0$0$43,348,326
91$78,756,870$0$0$47,659,457
92$86,593,455$0$0$52,406,846
93$95,223,177$0$0$57,634,881
94$104,726,743$0$0$63,392,476
95$115,193,083$0$0$69,733,529
96$126,720,192$0$0$76,717,432
97$139,416,055$0$0$84,409,633
98$153,399,663$0$0$92,882,249
99$168,802,140$0$0$102,214,751
100$185,767,973$0$0$112,494,712