Can I retire at age 35 with 730,000?

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 $730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$60,283$59,746$59,222$58,711$58,211$57,341
2 years$29,843$29,287$28,748$28,226$27,720$26,845
3 years$19,698$19,139$18,602$18,085$17,586$16,735
4 years$14,626$14,070$13,538$13,029$12,543$11,720
5 years$11,584$11,031$10,506$10,008$9,535$8,744
6 years$9,556$9,007$8,490$8,003$7,545$6,786
7 years$8,109$7,564$7,055$6,580$6,136$5,410
8 years$7,024$6,484$5,984$5,520$5,090$4,397
9 years$6,180$5,646$5,154$4,702$4,287$3,626
10 years$5,505$4,976$4,493$4,053$3,652$3,024
11 years$4,954$4,430$3,956$3,527$3,141$2,544
12 years$4,495$3,976$3,510$3,094$2,722$2,155
13 years$4,106$3,593$3,136$2,731$2,374$1,836
14 years$3,774$3,266$2,818$2,425$2,081$1,572
15 years$3,486$2,984$2,544$2,162$1,832$1,351
16 years$3,234$2,738$2,307$1,936$1,619$1,165
17 years$3,012$2,521$2,099$1,740$1,436$1,008
18 years$2,815$2,330$1,916$1,568$1,277$874
19 years$2,639$2,159$1,754$1,417$1,138$759
20 years$2,481$2,006$1,610$1,283$1,016$660
21 years$2,338$1,869$1,481$1,164$910$575
22 years$2,208$1,745$1,365$1,059$815$502
23 years$2,090$1,632$1,260$964$732$439
24 years$1,982$1,529$1,165$879$658$384
25 years$1,882$1,435$1,079$803$592$336
26 years$1,790$1,348$1,001$734$533$294
27 years$1,706$1,269$930$672$481$258
28 years$1,627$1,196$864$616$434$226
29 years$1,554$1,128$804$565$392$198
30 years$1,486$1,065$749$518$354$174
31 years$1,422$1,007$698$476$320$153
32 years$1,363$953$652$437$289$134
33 years$1,307$902$608$402$262$118
34 years$1,255$855$568$370$237$103
35 years$1,206$811$531$341$215$91
36 years$1,159$770$497$314$195$80
37 years$1,116$731$465$289$176$70
38 years$1,074$695$436$266$160$62
39 years$1,035$661$408$246$145$54
40 years$998$629$383$227$132$48
41 years$963$598$359$209$119$42
42 years$929$570$337$193$108$37
43 years$898$543$316$178$98$33
44 years$867$518$296$164$89$29
45 years$839$494$278$152$81$25
46 years$811$471$261$140$74$22
47 years$785$449$246$130$67$20
48 years$760$429$231$120$61$17
49 years$736$410$217$111$55$15
50 years$713$391$204$102$50$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $730,000, adding $2,809 every year, while hoping to spend $37,370 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: 68/20/12 Blend
34$730,000$730,000$730,000$730,000
35$807,357$768,667$757,352$859,954
36$849,947$766,571$742,962$893,192
37$895,627$763,119$726,838$924,804
38$944,675$758,206$708,881$958,408
39$997,394$751,720$688,990$994,196
40$1,054,115$743,541$667,058$1,032,379
41$1,115,204$733,543$642,974$1,073,190
42$1,181,061$721,593$616,620$1,116,887
43$1,252,127$707,549$587,874$1,163,755
44$1,328,886$691,261$556,610$1,214,110
45$1,411,868$672,569$522,693$1,268,299
46$1,501,660$651,306$485,984$1,326,709
47$1,598,902$627,292$446,337$1,389,766
48$1,704,301$600,341$403,600$1,457,939
49$1,818,633$570,251$357,615$1,531,751
50$1,942,753$536,813$308,214$1,611,775
51$2,077,600$499,803$255,225$1,698,649
52$2,224,207$458,985$198,467$1,793,073
53$2,383,710$414,109$137,750$1,895,825
54$2,557,361$364,913$72,877$2,007,761
55$2,746,536$311,117$3,642$2,129,830
56$2,952,748$252,428$0$2,263,078
57$3,177,665$188,533$0$2,417,655
58$3,423,121$119,106$0$2,586,926
59$3,691,136$43,799$0$2,771,865
60$3,983,932$0$0$2,974,060
61$4,303,957$0$0$3,203,574
62$4,653,905$0$0$3,465,129
63$5,036,743$0$0$3,751,309
64$5,455,736$0$0$4,064,561
65$5,914,482$0$0$4,407,578
66$6,416,941$0$0$4,783,330
67$6,967,475$0$0$5,195,082
68$7,570,887$0$0$5,646,434
69$8,232,469$0$0$6,141,350
70$8,958,047$0$0$6,684,195
71$9,754,038$0$0$7,279,778
72$10,627,512$0$0$7,933,396
73$11,586,256$0$0$8,650,881
74$12,638,845$0$0$9,438,660
75$13,794,728$0$0$10,303,812
76$15,064,313$0$0$11,254,136
77$16,459,065$0$0$12,298,222
78$17,991,615$0$0$13,445,534
79$19,675,877$0$0$14,706,498
80$21,527,182$0$0$16,092,600
81$23,562,416$0$0$17,616,495
82$25,800,188$0$0$19,292,124
83$28,260,997$0$0$21,134,848
84$30,967,427$0$0$23,161,590
85$33,944,363$0$0$25,390,996
86$37,219,222$0$0$27,843,609
87$40,822,211$0$0$30,542,065
88$44,786,614$0$0$33,511,304
89$49,149,103$0$0$36,778,803
90$53,950,084$0$0$40,374,843
91$59,234,081$0$0$44,332,783
92$65,050,150$0$0$48,689,384
93$71,452,344$0$0$53,485,150
94$78,500,226$0$0$58,764,711
95$86,259,423$0$0$64,577,247
96$94,802,253$0$0$70,976,944
97$104,208,398$0$0$78,023,515
98$114,565,664$0$0$85,782,754
99$125,970,803$0$0$94,327,162
100$138,530,429$0$0$103,736,628