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%13.1%
1 years$61,026$60,482$59,952$59,434$58,929$58,168
2 years$30,211$29,648$29,103$28,574$28,061$27,296
3 years$19,941$19,375$18,832$18,308$17,803$17,057
4 years$14,806$14,243$13,705$13,190$12,697$11,976
5 years$11,727$11,167$10,635$10,131$9,652$8,958
6 years$9,674$9,118$8,595$8,102$7,638$6,971
7 years$8,209$7,658$7,142$6,661$6,211$5,573
8 years$7,110$6,564$6,057$5,588$5,153$4,543
9 years$6,256$5,715$5,217$4,759$4,340$3,757
10 years$5,573$5,038$4,548$4,103$3,698$3,143
11 years$5,015$4,485$4,004$3,571$3,180$2,652
12 years$4,550$4,025$3,554$3,132$2,756$2,254
13 years$4,157$3,638$3,175$2,765$2,403$1,927
14 years$3,820$3,307$2,853$2,454$2,106$1,655
15 years$3,529$3,021$2,576$2,189$1,855$1,428
16 years$3,274$2,771$2,335$1,960$1,639$1,235
17 years$3,049$2,552$2,125$1,761$1,453$1,072
18 years$2,850$2,358$1,940$1,587$1,292$933
19 years$2,672$2,186$1,776$1,434$1,152$813
20 years$2,512$2,031$1,630$1,299$1,029$710
21 years$2,367$1,892$1,499$1,179$921$621
22 years$2,235$1,766$1,382$1,072$825$544
23 years$2,116$1,652$1,276$976$741$477
24 years$2,006$1,548$1,180$890$666$419
25 years$1,905$1,452$1,093$813$599$368
26 years$1,812$1,365$1,013$743$540$324
27 years$1,727$1,285$941$680$487$285
28 years$1,647$1,210$875$623$439$251
29 years$1,573$1,142$814$572$396$221
30 years$1,504$1,078$758$525$358$195
31 years$1,440$1,019$707$482$324$172
32 years$1,380$965$660$443$293$151
33 years$1,323$913$616$407$265$133
34 years$1,270$866$575$375$240$118
35 years$1,221$821$538$345$217$104
36 years$1,174$779$503$318$197$92
37 years$1,129$740$471$293$179$81
38 years$1,088$704$441$270$162$72
39 years$1,048$669$413$249$147$63
40 years$1,010$636$387$229$133$56
41 years$975$606$363$212$121$49
42 years$941$577$341$195$110$44
43 years$909$550$320$180$99$38
44 years$878$524$300$167$90$34
45 years$849$500$282$154$82$30
46 years$821$477$265$142$74$27
47 years$794$455$249$131$68$23
48 years$769$434$234$121$61$21
49 years$745$415$220$112$56$18
50 years$722$396$206$104$51$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $739,000, adding $2,819 every year, while hoping to spend $29,653 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: 69/15/16 Blend
34$739,000$739,000$739,000$739,000
35$817,286$778,119$766,664$870,419
36$869,098$784,696$760,797$912,744
37$925,202$790,602$753,739$955,249
38$986,003$795,772$745,420$1,001,004
39$1,051,948$800,138$735,765$1,050,325
40$1,123,529$803,627$724,695$1,103,563
41$1,201,287$806,161$712,129$1,161,103
42$1,285,814$807,660$697,982$1,223,369
43$1,377,767$808,035$682,164$1,290,830
44$1,477,864$807,193$664,581$1,364,005
45$1,586,897$805,036$645,136$1,443,462
46$1,705,737$801,460$623,725$1,529,832
47$1,835,345$796,354$600,242$1,623,809
48$1,976,774$789,599$574,574$1,726,158
49$2,131,187$781,072$546,604$1,837,723
50$2,299,862$770,639$516,210$1,959,437
51$2,484,209$758,161$483,263$2,092,326
52$2,685,776$743,488$447,631$2,237,524
53$2,906,271$726,465$409,172$2,396,282
54$3,147,572$706,923$367,741$2,569,976
55$3,411,749$684,687$323,185$2,760,129
56$3,701,081$659,570$275,345$2,968,417
57$4,018,077$631,375$224,054$3,196,690
58$4,365,499$599,891$169,139$3,446,987
59$4,746,393$564,898$110,418$3,721,558
60$5,164,110$526,163$47,702$4,022,884
61$5,622,342$483,438$0$4,353,701
62$6,125,155$436,461$0$4,720,309
63$6,677,030$384,956$0$5,131,656
64$7,282,899$328,631$0$5,583,295
65$7,948,199$267,178$0$6,079,311
66$8,678,916$200,271$0$6,624,205
67$9,481,647$127,565$0$7,222,938
68$10,363,657$48,698$0$7,880,977
69$11,332,950$0$0$8,604,348
70$12,398,346$0$0$9,405,753
71$13,569,559$0$0$10,295,637
72$14,857,294$0$0$11,274,099
73$16,273,342$0$0$12,350,106
74$17,830,696$0$0$13,533,537
75$19,543,670$0$0$14,835,274
76$21,428,037$0$0$16,267,311
77$23,501,172$0$0$17,842,858
78$25,782,223$0$0$19,576,474
79$28,292,285$0$0$21,484,199
80$31,054,602$0$0$23,583,706
81$34,094,785$0$0$25,894,468
82$37,441,054$0$0$28,437,943
83$41,124,504$0$0$31,237,773
84$45,179,396$0$0$34,320,008
85$49,643,483$0$0$37,713,356
86$54,558,364$0$0$41,449,444
87$59,969,877$0$0$45,563,128
88$65,928,532$0$0$50,092,812
89$72,489,983$0$0$55,080,814
90$79,715,560$0$0$60,573,765
91$87,672,841$0$0$66,623,052
92$96,436,294$0$0$73,285,294
93$106,087,974$0$0$80,622,886
94$116,718,303$0$0$88,704,581
95$128,426,921$0$0$97,606,141
96$141,323,623$0$0$107,411,051
97$155,529,400$0$0$118,211,309
98$171,177,575$0$0$130,108,289
99$188,415,065$0$0$143,213,703
100$207,403,767$0$0$157,650,651