Can I retire at age 35 with 727,000?

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 $727,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$60,035$59,500$58,978$58,469$57,972$57,655
2 years$29,720$29,167$28,630$28,110$27,606$27,286
3 years$19,617$19,061$18,526$18,010$17,514$17,201
4 years$14,566$14,012$13,482$12,976$12,491$12,188
5 years$11,536$10,985$10,463$9,966$9,496$9,203
6 years$9,517$8,970$8,455$7,970$7,514$7,231
7 years$8,075$7,533$7,026$6,553$6,111$5,839
8 years$6,995$6,457$5,959$5,497$5,069$4,809
9 years$6,155$5,622$5,132$4,682$4,269$4,019
10 years$5,483$4,956$4,475$4,036$3,637$3,398
11 years$4,934$4,412$3,939$3,513$3,128$2,900
12 years$4,476$3,960$3,496$3,081$2,711$2,493
13 years$4,089$3,579$3,124$2,720$2,364$2,156
14 years$3,758$3,253$2,806$2,415$2,072$1,874
15 years$3,472$2,972$2,534$2,153$1,825$1,636
16 years$3,221$2,726$2,297$1,928$1,613$1,433
17 years$3,000$2,511$2,090$1,732$1,430$1,260
18 years$2,804$2,320$1,908$1,561$1,271$1,110
19 years$2,628$2,150$1,747$1,411$1,133$980
20 years$2,471$1,998$1,603$1,278$1,012$868
21 years$2,328$1,861$1,475$1,160$906$769
22 years$2,199$1,737$1,359$1,054$812$683
23 years$2,081$1,625$1,255$960$729$607
24 years$1,973$1,522$1,161$876$655$540
25 years$1,874$1,429$1,075$800$589$481
26 years$1,783$1,343$997$731$531$429
27 years$1,699$1,264$926$669$479$383
28 years$1,620$1,191$861$613$432$342
29 years$1,548$1,123$801$562$390$306
30 years$1,480$1,061$746$516$352$273
31 years$1,417$1,003$695$474$319$245
32 years$1,357$949$649$436$288$219
33 years$1,302$899$606$401$261$196
34 years$1,250$852$566$369$236$176
35 years$1,201$808$529$339$214$157
36 years$1,155$767$495$312$194$141
37 years$1,111$728$463$288$176$126
38 years$1,070$692$434$265$159$113
39 years$1,031$658$407$245$144$102
40 years$994$626$381$226$131$91
41 years$959$596$357$208$119$82
42 years$926$568$335$192$108$73
43 years$894$541$315$177$98$66
44 years$864$516$295$164$89$59
45 years$835$492$277$151$81$53
46 years$808$469$260$140$73$48
47 years$782$448$245$129$66$43
48 years$757$427$230$119$60$38
49 years$733$408$216$110$55$35
50 years$710$390$203$102$50$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $727,000, adding $6,681 every year, while hoping to spend $50,937 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: 67/21/12 Blend
34$727,000$727,000$727,000$727,000
35$808,045$769,514$758,246$859,597
36$836,270$753,024$729,451$878,281
37$865,665$734,019$697,983$892,037
38$896,298$712,321$663,701$905,768
39$928,240$687,743$626,454$919,468
40$961,565$660,088$586,085$933,130
41$996,357$629,145$542,432$946,748
42$1,032,705$594,692$495,322$960,317
43$1,070,703$556,494$444,578$973,835
44$1,110,456$514,304$390,013$987,301
45$1,152,076$467,858$331,432$1,000,714
46$1,195,685$416,880$268,631$1,014,080
47$1,241,413$361,076$201,399$1,027,405
48$1,289,405$300,136$129,513$1,040,697
49$1,339,815$233,733$52,743$1,053,973
50$1,392,811$161,521$0$1,067,249
51$1,448,578$83,136$0$1,084,287
52$1,507,315$0$0$1,108,830
53$1,569,239$0$0$1,134,605
54$1,634,586$0$0$1,182,097
55$1,703,616$0$0$1,232,284
56$1,776,609$0$0$1,285,372
57$1,853,872$0$0$1,341,589
58$1,935,743$0$0$1,401,180
59$2,022,586$0$0$1,464,416
60$2,114,804$0$0$1,531,592
61$2,212,834$0$0$1,603,031
62$2,317,156$0$0$1,679,087
63$2,428,295$0$0$1,760,145
64$2,546,826$0$0$1,846,629
65$2,673,380$0$0$1,939,004
66$2,808,645$0$0$2,037,777
67$2,953,378$0$0$2,143,507
68$3,108,409$0$0$2,256,805
69$3,274,648$0$0$2,378,340
70$3,453,092$0$0$2,508,849
71$3,644,837$0$0$2,649,140
72$3,851,085$0$0$2,800,099
73$4,073,156$0$0$2,962,699
74$4,312,501$0$0$3,138,009
75$4,570,710$0$0$3,327,204
76$4,849,535$0$0$3,531,574
77$5,150,897$0$0$3,752,537
78$5,476,910$0$0$3,991,652
79$5,829,895$0$0$4,250,632
80$6,212,407$0$0$4,531,360
81$6,627,252$0$0$4,835,909
82$7,077,519$0$0$5,166,555
83$7,566,603$0$0$5,525,805
84$8,098,239$0$0$5,916,415
85$8,676,538$0$0$6,341,416
86$9,306,020$0$0$6,804,146
87$9,991,660$0$0$7,308,275
88$10,738,932$0$0$7,857,844
89$11,553,863$0$0$8,457,299
90$12,443,082$0$0$9,111,534
91$13,413,890$0$0$9,825,935
92$14,474,320$0$0$10,606,434
93$15,633,220$0$0$11,459,559
94$16,900,326$0$0$12,392,498
95$18,286,362$0$0$13,413,164
96$19,803,133$0$0$14,530,273
97$21,463,638$0$0$15,753,418
98$23,282,194$0$0$17,093,168
99$25,274,564$0$0$18,561,159
100$27,458,110$0$0$20,170,206