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%18.5%
1 years$61,026$60,482$59,952$59,434$58,929$56,906
2 years$30,211$29,648$29,103$28,574$28,061$26,044
3 years$19,941$19,375$18,832$18,308$17,803$15,855
4 years$14,806$14,243$13,705$13,190$12,697$10,833
5 years$11,727$11,167$10,635$10,131$9,652$7,876
6 years$9,674$9,118$8,595$8,102$7,638$5,951
7 years$8,209$7,658$7,142$6,661$6,211$4,615
8 years$7,110$6,564$6,057$5,588$5,153$3,645
9 years$6,256$5,715$5,217$4,759$4,340$2,918
10 years$5,573$5,038$4,548$4,103$3,698$2,361
11 years$5,015$4,485$4,004$3,571$3,180$1,925
12 years$4,550$4,025$3,554$3,132$2,756$1,579
13 years$4,157$3,638$3,175$2,765$2,403$1,302
14 years$3,820$3,307$2,853$2,454$2,106$1,078
15 years$3,529$3,021$2,576$2,189$1,855$895
16 years$3,274$2,771$2,335$1,960$1,639$746
17 years$3,049$2,552$2,125$1,761$1,453$622
18 years$2,850$2,358$1,940$1,587$1,292$520
19 years$2,672$2,186$1,776$1,434$1,152$436
20 years$2,512$2,031$1,630$1,299$1,029$365
21 years$2,367$1,892$1,499$1,179$921$307
22 years$2,235$1,766$1,382$1,072$825$258
23 years$2,116$1,652$1,276$976$741$217
24 years$2,006$1,548$1,180$890$666$182
25 years$1,905$1,452$1,093$813$599$153
26 years$1,812$1,365$1,013$743$540$129
27 years$1,727$1,285$941$680$487$109
28 years$1,647$1,210$875$623$439$92
29 years$1,573$1,142$814$572$396$77
30 years$1,504$1,078$758$525$358$65
31 years$1,440$1,019$707$482$324$55
32 years$1,380$965$660$443$293$46
33 years$1,323$913$616$407$265$39
34 years$1,270$866$575$375$240$33
35 years$1,221$821$538$345$217$28
36 years$1,174$779$503$318$197$23
37 years$1,129$740$471$293$179$20
38 years$1,088$704$441$270$162$17
39 years$1,048$669$413$249$147$14
40 years$1,010$636$387$229$133$12
41 years$975$606$363$212$121$10
42 years$941$577$341$195$110$8
43 years$909$550$320$180$99$7
44 years$878$524$300$167$90$6
45 years$849$500$282$154$82$5
46 years$821$477$265$142$74$4
47 years$794$455$249$131$68$4
48 years$769$434$234$121$61$3
49 years$745$415$220$112$56$3
50 years$722$396$206$104$51$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $739,000, adding $4,479 every year, while hoping to spend $25,522 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: 70/8/22 Blend
34$739,000$739,000$739,000$739,000
35$818,998$779,831$768,377$871,542
36$875,381$790,888$766,962$918,270
37$936,659$801,630$764,645$965,985
38$1,003,305$812,017$761,367$1,017,595
39$1,075,839$822,003$757,070$1,073,484
40$1,154,833$831,540$751,690$1,134,075
41$1,240,916$840,575$745,161$1,199,833
42$1,334,780$849,054$737,415$1,271,273
43$1,437,188$856,918$728,379$1,348,961
44$1,548,979$864,105$717,978$1,433,523
45$1,671,077$870,547$706,131$1,525,646
46$1,804,497$876,175$692,758$1,626,092
47$1,950,360$880,912$677,769$1,735,697
48$2,109,898$884,678$661,076$1,855,384
49$2,284,467$887,387$642,582$1,986,172
50$2,475,563$888,949$622,188$2,129,183
51$2,684,830$889,267$599,791$2,285,655
52$2,914,080$888,238$575,281$2,456,952
53$3,165,308$885,754$548,545$2,644,578
54$3,440,713$881,699$519,465$2,850,193
55$3,742,714$875,950$487,915$3,075,624
56$4,073,977$868,378$453,766$3,322,888
57$4,437,438$858,844$416,883$3,594,208
58$4,836,332$847,203$377,124$3,892,033
59$5,274,220$833,299$334,340$4,219,065
60$5,755,028$816,967$288,378$4,578,284
61$6,283,077$798,035$239,075$4,972,971
62$6,863,130$776,318$186,263$5,406,747
63$7,500,433$751,620$129,766$5,883,602
64$8,200,764$723,737$69,400$6,407,936
65$8,970,490$692,449$4,973$6,984,597
66$9,816,626$657,524$0$7,618,932
67$10,746,899$618,720$0$8,331,805
68$11,769,822$575,777$0$9,116,961
69$12,894,776$528,422$0$9,980,442
70$14,132,095$476,366$0$10,930,197
71$15,493,165$419,305$0$11,974,982
72$16,990,531$356,914$0$13,124,449
73$18,638,016$288,854$0$14,389,229
74$20,450,850$214,764$0$15,781,042
75$22,445,813$134,264$0$17,312,799
76$24,641,396$46,952$0$18,998,729
77$27,057,970$0$0$20,854,512
78$29,717,984$0$0$22,901,616
79$32,646,172$0$0$25,159,701
80$35,869,790$0$0$27,645,658
81$39,418,869$0$0$30,382,652
82$43,326,500$0$0$33,396,209
83$47,629,147$0$0$36,714,456
84$52,366,989$0$0$40,368,388
85$57,584,301$0$0$44,392,156
86$63,329,869$0$0$48,823,393
87$69,657,452$0$0$53,703,568
88$76,626,288$0$0$59,078,378
89$84,301,654$0$0$64,998,175
90$92,755,482$0$0$71,518,445
91$102,067,034$0$0$78,700,333
92$112,323,656$0$0$86,611,214
93$123,621,594$0$0$95,325,334
94$136,066,912$0$0$104,924,506
95$149,776,484$0$0$115,498,888
96$164,879,100$0$0$127,147,827
97$181,516,684$0$0$139,980,802
98$199,845,628$0$0$154,118,453
99$220,038,274$0$0$169,693,723
100$242,284,533$0$0$186,853,108