Can I retire at age 35 with 728,000?

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 $728,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$60,118$59,582$59,060$58,550$58,052$57,759
2 years$29,761$29,207$28,670$28,149$27,644$27,348
3 years$19,644$19,087$18,551$18,035$17,538$17,249
4 years$14,586$14,031$13,501$12,993$12,508$12,228
5 years$11,552$11,000$10,477$9,980$9,509$9,237
6 years$9,530$8,983$8,467$7,981$7,524$7,263
7 years$8,087$7,544$7,036$6,562$6,119$5,868
8 years$7,004$6,466$5,967$5,505$5,076$4,835
9 years$6,163$5,630$5,139$4,689$4,275$4,044
10 years$5,490$4,963$4,481$4,042$3,642$3,421
11 years$4,940$4,418$3,945$3,517$3,133$2,921
12 years$4,482$3,965$3,501$3,085$2,715$2,512
13 years$4,095$3,583$3,128$2,724$2,367$2,174
14 years$3,763$3,257$2,810$2,418$2,075$1,891
15 years$3,476$2,976$2,537$2,156$1,827$1,652
16 years$3,225$2,730$2,300$1,931$1,615$1,448
17 years$3,004$2,514$2,093$1,735$1,432$1,274
18 years$2,808$2,323$1,911$1,563$1,273$1,123
19 years$2,632$2,153$1,749$1,413$1,135$993
20 years$2,474$2,001$1,606$1,279$1,014$879
21 years$2,332$1,864$1,477$1,161$907$780
22 years$2,202$1,740$1,361$1,056$813$693
23 years$2,084$1,627$1,257$962$730$617
24 years$1,976$1,525$1,162$877$656$549
25 years$1,877$1,431$1,076$801$590$490
26 years$1,785$1,345$998$732$532$437
27 years$1,701$1,265$927$670$479$390
28 years$1,623$1,192$862$614$433$349
29 years$1,550$1,125$802$563$391$312
30 years$1,482$1,062$747$517$353$279
31 years$1,419$1,004$696$475$319$250
32 years$1,359$950$650$436$289$224
33 years$1,304$900$607$401$261$201
34 years$1,252$853$567$369$236$180
35 years$1,202$809$530$340$214$161
36 years$1,156$768$496$313$194$145
37 years$1,113$729$464$288$176$130
38 years$1,071$693$435$266$159$117
39 years$1,032$659$407$245$145$105
40 years$995$627$382$226$131$94
41 years$960$597$358$209$119$84
42 years$927$568$336$192$108$76
43 years$895$542$315$178$98$68
44 years$865$516$296$164$89$61
45 years$836$492$278$151$81$55
46 years$809$470$261$140$73$49
47 years$783$448$245$129$67$44
48 years$758$428$230$119$60$40
49 years$734$409$216$110$55$36
50 years$711$390$203$102$50$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $728,000, adding $4,103 every year, while hoping to spend $45,953 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: 61/9/30 Blend
34$728,000$728,000$728,000$728,000
35$806,488$767,904$756,620$848,901
36$839,856$756,638$733,073$867,041
37$875,088$743,279$707,198$881,559
38$912,325$727,678$678,866$896,454
39$951,720$709,673$647,947$911,776
40$993,444$689,095$614,302$927,579
41$1,037,681$665,766$577,786$943,925
42$1,084,631$639,495$538,248$960,885
43$1,134,514$610,081$495,531$978,538
44$1,187,572$577,313$449,469$996,977
45$1,244,069$540,965$399,890$1,016,302
46$1,304,291$500,800$346,614$1,036,631
47$1,368,557$456,567$289,453$1,058,094
48$1,437,211$408,000$228,211$1,080,838
49$1,510,633$354,819$162,683$1,105,027
50$1,589,240$296,727$92,655$1,130,848
51$1,673,486$233,411$17,903$1,158,508
52$1,763,874$164,540$0$1,188,241
53$1,860,951$89,764$0$1,240,111
54$1,965,320$8,715$0$1,302,010
55$2,077,644$0$0$1,368,607
56$2,198,649$0$0$1,448,175
57$2,329,132$0$0$1,534,950
58$2,469,970$0$0$1,628,656
59$2,622,127$0$0$1,729,940
60$2,786,660$0$0$1,839,512
61$2,964,734$0$0$1,958,155
62$3,157,627$0$0$2,086,725
63$3,366,746$0$0$2,226,168
64$3,593,637$0$0$2,377,522
65$3,840,000$0$0$2,541,930
66$4,107,706$0$0$2,720,646
67$4,398,814$0$0$2,915,054
68$4,715,586$0$0$3,126,675
69$5,060,513$0$0$3,357,180
70$5,436,338$0$0$3,608,412
71$5,846,075$0$0$3,882,396
72$6,293,046$0$0$4,181,364
73$6,780,903$0$0$4,507,770
74$7,313,670$0$0$4,864,316
75$7,895,775$0$0$5,253,978
76$8,532,091$0$0$5,680,030
77$9,227,987$0$0$6,146,080
78$9,989,371$0$0$6,656,097
79$10,822,750$0$0$7,214,454
80$11,735,290$0$0$7,825,966
81$12,734,880$0$0$8,495,934
82$13,830,210$0$0$9,230,199
83$15,030,850$0$0$10,035,190
84$16,347,338$0$0$10,917,991
85$17,791,283$0$0$11,886,403
86$19,375,471$0$0$12,949,018
87$21,113,985$0$0$14,115,302
88$23,022,337$0$0$15,395,679
89$25,117,615$0$0$16,801,634
90$27,418,641$0$0$18,345,818
91$29,946,152$0$0$20,042,167
92$32,722,989$0$0$21,906,033
93$35,774,317$0$0$23,954,330
94$39,127,858$0$0$26,205,690
95$42,814,155$0$0$28,680,642
96$46,866,854$0$0$31,401,800
97$51,323,026$0$0$34,394,083
98$56,223,514$0$0$37,684,941
99$61,613,317$0$0$41,304,621
100$67,542,012$0$0$45,286,446