Can I retire at age 35 with 729,000?

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 $729,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$60,200$59,664$59,141$58,630$58,131$57,717
2 years$29,802$29,247$28,709$28,188$27,682$27,263
3 years$19,671$19,113$18,577$18,060$17,562$17,154
4 years$14,606$14,050$13,519$13,011$12,526$12,130
5 years$11,568$11,016$10,491$9,994$9,522$9,140
6 years$9,543$8,995$8,479$7,992$7,534$7,166
7 years$8,098$7,554$7,046$6,571$6,127$5,774
8 years$7,014$6,475$5,975$5,512$5,083$4,744
9 years$6,171$5,638$5,147$4,695$4,281$3,956
10 years$5,498$4,969$4,487$4,047$3,647$3,337
11 years$4,947$4,424$3,950$3,522$3,137$2,840
12 years$4,488$3,971$3,506$3,090$2,718$2,436
13 years$4,101$3,588$3,132$2,728$2,371$2,101
14 years$3,769$3,262$2,814$2,421$2,078$1,822
15 years$3,481$2,980$2,541$2,159$1,830$1,586
16 years$3,230$2,734$2,304$1,933$1,617$1,386
17 years$3,008$2,518$2,096$1,737$1,434$1,215
18 years$2,811$2,326$1,914$1,566$1,275$1,067
19 years$2,636$2,156$1,752$1,415$1,136$940
20 years$2,478$2,004$1,608$1,281$1,015$829
21 years$2,335$1,866$1,479$1,163$908$733
22 years$2,205$1,742$1,363$1,057$814$649
23 years$2,087$1,629$1,258$963$731$575
24 years$1,979$1,527$1,164$878$657$510
25 years$1,879$1,433$1,078$802$591$453
26 years$1,788$1,346$1,000$733$532$403
27 years$1,703$1,267$928$671$480$359
28 years$1,625$1,194$863$615$433$319
29 years$1,552$1,126$803$564$391$284
30 years$1,484$1,064$748$518$353$253
31 years$1,421$1,006$697$475$320$226
32 years$1,361$952$651$437$289$202
33 years$1,306$901$608$402$262$180
34 years$1,253$854$568$370$237$161
35 years$1,204$810$531$340$214$143
36 years$1,158$769$496$313$194$128
37 years$1,114$730$465$289$176$115
38 years$1,073$694$435$266$160$102
39 years$1,034$660$408$245$145$91
40 years$997$628$382$226$131$82
41 years$962$598$358$209$119$73
42 years$928$569$336$193$108$65
43 years$896$542$315$178$98$58
44 years$866$517$296$164$89$52
45 years$837$493$278$152$81$47
46 years$810$470$261$140$73$42
47 years$784$449$245$129$67$37
48 years$759$428$231$120$61$34
49 years$735$409$217$111$55$30
50 years$712$391$204$102$50$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $729,000, adding $5,610 every year, while hoping to spend $29,509 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: 55/30/15 Blend
34$729,000$729,000$729,000$729,000
35$809,145$770,508$759,208$850,159
36$860,280$776,865$753,244$885,048
37$915,642$782,545$746,092$919,356
38$975,631$787,483$737,679$956,043
39$1,040,687$791,611$727,933$995,341
40$1,111,293$794,856$716,774$1,037,509
41$1,187,981$797,140$704,122$1,082,832
42$1,271,336$798,381$689,891$1,131,625
43$1,362,002$798,492$673,993$1,184,238
44$1,460,687$797,379$656,332$1,241,056
45$1,568,171$794,944$636,813$1,302,506
46$1,685,310$791,082$615,332$1,369,058
47$1,813,049$785,682$591,783$1,441,233
48$1,952,426$778,627$566,054$1,519,606
49$2,104,585$769,791$538,028$1,604,813
50$2,270,784$759,042$507,584$1,697,556
51$2,452,409$746,240$474,592$1,798,611
52$2,650,984$731,235$438,921$1,908,835
53$2,868,189$713,871$400,429$2,029,175
54$3,105,874$693,980$358,973$2,160,676
55$3,366,074$671,386$314,400$2,304,494
56$3,651,032$645,902$266,551$2,461,905
57$3,963,216$617,330$215,259$2,634,316
58$4,305,347$585,462$160,353$2,823,284
59$4,680,418$550,075$101,650$3,030,526
60$5,091,727$510,936$38,962$3,257,939
61$5,542,909$467,797$0$3,507,616
62$6,037,963$420,396$0$3,786,339
63$6,581,298$368,458$0$4,099,134
64$7,177,768$311,690$0$4,442,608
65$7,832,721$249,784$0$4,819,907
66$8,552,048$182,413$0$5,234,497
67$9,342,239$109,233$0$5,690,203
68$10,210,442$29,881$0$6,191,244
69$11,164,534$0$0$6,742,272
70$12,213,192$0$0$7,366,915
71$13,365,973$0$0$8,064,498
72$14,633,410$0$0$8,831,537
73$16,027,104$0$0$9,675,066
74$17,559,840$0$0$10,602,830
75$19,245,700$0$0$11,623,364
76$21,100,204$0$0$12,746,072
77$23,140,447$0$0$13,981,317
78$25,385,267$0$0$15,340,513
79$27,855,421$0$0$16,836,240
80$30,573,778$0$0$18,482,358
81$33,565,535$0$0$20,294,137
82$36,858,459$0$0$22,288,405
83$40,483,142$0$0$24,483,703
84$44,473,294$0$0$26,900,461
85$48,866,059$0$0$29,561,190
86$53,702,366$0$0$32,490,694
87$59,027,312$0$0$35,716,308
88$64,890,594$0$0$39,268,148
89$71,346,968$0$0$43,179,402
90$78,456,776$0$0$47,486,640
91$86,286,504$0$0$52,230,160
92$94,909,420$0$0$57,454,364
93$104,406,256$0$0$63,208,184
94$114,865,977$0$0$69,545,539
95$126,386,612$0$0$76,525,842
96$139,076,188$0$0$84,214,566
97$153,053,742$0$0$92,683,857
98$168,450,448$0$0$102,013,217
99$185,410,853$0$0$112,290,253
100$204,094,240$0$0$123,611,505