Can I retire at age 35 with 739,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%16.7%
1 years$61,026$60,482$59,952$59,434$58,929$57,318
2 years$30,211$29,648$29,103$28,574$28,061$26,451
3 years$19,941$19,375$18,832$18,308$17,803$16,243
4 years$14,806$14,243$13,705$13,190$12,697$11,199
5 years$11,727$11,167$10,635$10,131$9,652$8,220
6 years$9,674$9,118$8,595$8,102$7,638$6,273
7 years$8,209$7,658$7,142$6,661$6,211$4,914
8 years$7,110$6,564$6,057$5,588$5,153$3,923
9 years$6,256$5,715$5,217$4,759$4,340$3,175
10 years$5,573$5,038$4,548$4,103$3,698$2,598
11 years$5,015$4,485$4,004$3,571$3,180$2,143
12 years$4,550$4,025$3,554$3,132$2,756$1,779
13 years$4,157$3,638$3,175$2,765$2,403$1,485
14 years$3,820$3,307$2,853$2,454$2,106$1,245
15 years$3,529$3,021$2,576$2,189$1,855$1,047
16 years$3,274$2,771$2,335$1,960$1,639$884
17 years$3,049$2,552$2,125$1,761$1,453$747
18 years$2,850$2,358$1,940$1,587$1,292$633
19 years$2,672$2,186$1,776$1,434$1,152$538
20 years$2,512$2,031$1,630$1,299$1,029$457
21 years$2,367$1,892$1,499$1,179$921$389
22 years$2,235$1,766$1,382$1,072$825$331
23 years$2,116$1,652$1,276$976$741$282
24 years$2,006$1,548$1,180$890$666$241
25 years$1,905$1,452$1,093$813$599$206
26 years$1,812$1,365$1,013$743$540$176
27 years$1,727$1,285$941$680$487$150
28 years$1,647$1,210$875$623$439$128
29 years$1,573$1,142$814$572$396$110
30 years$1,504$1,078$758$525$358$94
31 years$1,440$1,019$707$482$324$80
32 years$1,380$965$660$443$293$69
33 years$1,323$913$616$407$265$59
34 years$1,270$866$575$375$240$50
35 years$1,221$821$538$345$217$43
36 years$1,174$779$503$318$197$37
37 years$1,129$740$471$293$179$32
38 years$1,088$704$441$270$162$27
39 years$1,048$669$413$249$147$23
40 years$1,010$636$387$229$133$20
41 years$975$606$363$212$121$17
42 years$941$577$341$195$110$15
43 years$909$550$320$180$99$13
44 years$878$524$300$167$90$11
45 years$849$500$282$154$82$9
46 years$821$477$265$142$74$8
47 years$794$455$249$131$68$7
48 years$769$434$234$121$61$6
49 years$745$415$220$112$56$5
50 years$722$396$206$104$51$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $739,000, adding $2,013 every year, while hoping to spend $29,054 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: 43/28/29 Blend
34$739,000$739,000$739,000$739,000
35$816,454$777,287$765,833$844,582
36$868,820$784,461$760,575$872,147
37$925,552$791,013$754,167$899,100
38$987,067$796,881$746,541$927,754
39$1,053,820$802,001$737,622$958,287
40$1,126,314$806,303$727,336$990,891
41$1,205,099$809,713$715,603$1,025,783
42$1,290,784$812,153$702,340$1,063,204
43$1,384,035$813,540$687,460$1,103,418
44$1,485,588$813,785$670,871$1,146,722
45$1,596,251$812,794$652,479$1,193,441
46$1,716,915$810,467$632,183$1,243,939
47$1,848,559$806,698$609,880$1,298,618
48$1,992,260$801,375$585,460$1,357,922
49$2,149,207$794,378$558,808$1,422,345
50$2,320,705$785,581$529,807$1,492,432
51$2,508,192$774,850$498,331$1,568,790
52$2,713,252$762,042$464,250$1,652,088
53$2,937,629$747,008$427,427$1,743,067
54$3,183,243$729,587$387,722$1,842,547
55$3,452,207$709,610$344,984$1,951,437
56$3,746,851$686,899$299,059$2,070,740
57$4,069,737$661,265$249,786$2,201,567
58$4,423,691$632,507$196,993$2,345,148
59$4,811,820$600,413$140,506$2,502,840
60$5,237,552$564,760$80,139$2,676,146
61$5,704,659$525,310$15,700$2,866,726
62$6,217,296$481,812$0$3,076,417
63$6,780,042$434,002$0$3,323,666
64$7,397,937$381,599$0$3,600,548
65$8,076,538$324,308$0$3,904,742
66$8,821,961$261,816$0$4,239,058
67$9,640,950$193,793$0$4,606,590
68$10,540,928$119,890$0$5,010,755
69$11,530,076$39,739$0$5,455,320
70$12,617,408$0$0$5,944,442
71$13,812,853$0$0$6,497,201
72$15,127,350$0$0$7,118,571
73$16,572,952$0$0$7,802,019
74$18,162,937$0$0$8,553,835
75$19,911,936$0$0$9,380,951
76$21,836,070$0$0$10,291,004
77$23,953,098$0$0$11,292,407
78$26,282,590$0$0$12,394,433
79$28,846,107$0$0$13,607,297
80$31,667,409$0$0$14,942,255
81$34,772,672$0$0$16,411,709
82$38,190,740$0$0$18,029,326
83$41,953,395$0$0$19,810,164
84$46,095,658$0$0$21,770,816
85$50,656,117$0$0$23,929,565
86$55,677,291$0$0$26,306,557
87$61,206,035$0$0$28,923,992
88$67,293,975$0$0$31,806,331
89$73,997,999$0$0$34,980,530
90$81,380,795$0$0$38,476,291
91$89,511,439$0$0$42,326,343
92$98,466,048$0$0$46,566,753
93$108,328,496$0$0$51,237,263
94$119,191,210$0$0$56,381,668
95$131,156,037$0$0$62,048,225
96$144,335,207$0$0$68,290,113
97$158,852,392$0$0$75,165,932
98$174,843,871$0$0$82,740,257
99$192,459,821$0$0$91,084,246
100$211,865,727$0$0$100,276,314