Can I retire at age 35 with 734,000?

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 $734,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$60,613$60,073$59,546$59,032$58,530$57,991
2 years$30,006$29,448$28,906$28,381$27,872$27,329
3 years$19,806$19,244$18,704$18,184$17,683$17,153
4 years$14,706$14,147$13,612$13,100$12,612$12,098
5 years$11,647$11,091$10,563$10,062$9,587$9,092
6 years$9,609$9,057$8,537$8,047$7,586$7,110
7 years$8,153$7,606$7,094$6,616$6,169$5,713
8 years$7,062$6,520$6,016$5,550$5,118$4,681
9 years$6,214$5,676$5,182$4,727$4,310$3,892
10 years$5,536$5,004$4,518$4,075$3,672$3,273
11 years$4,981$4,454$3,977$3,546$3,158$2,777
12 years$4,519$3,998$3,530$3,111$2,737$2,374
13 years$4,129$3,613$3,154$2,746$2,387$2,041
14 years$3,794$3,284$2,834$2,438$2,092$1,764
15 years$3,505$3,000$2,558$2,174$1,842$1,531
16 years$3,252$2,753$2,319$1,947$1,628$1,333
17 years$3,029$2,535$2,111$1,749$1,444$1,164
18 years$2,831$2,342$1,927$1,576$1,284$1,019
19 years$2,654$2,171$1,764$1,424$1,144$894
20 years$2,495$2,017$1,619$1,290$1,022$786
21 years$2,351$1,879$1,489$1,171$914$693
22 years$2,220$1,754$1,372$1,064$820$611
23 years$2,101$1,641$1,267$969$736$539
24 years$1,992$1,537$1,172$884$661$477
25 years$1,892$1,442$1,085$807$595$422
26 years$1,800$1,356$1,007$738$536$373
27 years$1,715$1,276$935$676$483$331
28 years$1,636$1,202$869$619$436$293
29 years$1,563$1,134$809$568$394$260
30 years$1,494$1,071$753$521$356$231
31 years$1,430$1,013$702$479$322$205
32 years$1,370$958$655$440$291$182
33 years$1,314$907$612$404$263$162
34 years$1,262$860$572$372$238$144
35 years$1,212$816$534$343$216$128
36 years$1,166$774$500$316$196$114
37 years$1,122$735$468$291$177$101
38 years$1,080$699$438$268$161$90
39 years$1,041$664$410$247$146$80
40 years$1,003$632$385$228$132$72
41 years$968$602$361$210$120$64
42 years$934$573$338$194$109$57
43 years$903$546$318$179$99$50
44 years$872$521$298$165$90$45
45 years$843$496$280$153$81$40
46 years$815$473$263$141$74$36
47 years$789$452$247$130$67$32
48 years$764$431$232$120$61$28
49 years$740$412$218$111$55$25
50 years$717$393$205$103$50$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $734,000, adding $5,227 every year, while hoping to spend $28,170 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: 81/11/8 Blend
34$734,000$734,000$734,000$734,000
35$814,260$775,358$763,981$878,970
36$867,341$783,378$759,601$930,122
37$924,894$790,846$754,131$981,990
38$987,342$797,707$747,504$1,038,064
39$1,055,156$803,899$739,650$1,098,752
40$1,128,850$809,359$730,497$1,164,501
41$1,208,992$814,017$719,968$1,235,801
42$1,296,207$817,801$707,984$1,313,197
43$1,391,180$820,634$694,462$1,397,283
44$1,494,667$822,432$679,313$1,488,720
45$1,607,500$823,108$662,447$1,588,230
46$1,730,594$822,569$643,768$1,696,612
47$1,864,956$820,716$623,175$1,814,747
48$2,011,695$817,444$600,565$1,943,602
49$2,172,031$812,643$575,828$2,084,247
50$2,347,309$806,193$548,848$2,237,856
51$2,539,007$797,969$519,508$2,405,728
52$2,748,756$787,839$487,681$2,589,289
53$2,978,348$775,662$453,237$2,790,115
54$3,229,759$761,289$416,040$3,009,941
55$3,505,163$744,561$375,947$3,250,677
56$3,806,957$725,312$332,808$3,514,431
57$4,137,779$703,364$286,469$3,803,524
58$4,500,533$678,530$236,766$4,120,515
59$4,898,420$650,611$183,531$4,468,223
60$5,334,965$619,397$126,585$4,849,757
61$5,814,050$584,666$65,745$5,268,540
62$6,339,952$546,183$816$5,728,348
63$6,917,381$503,700$0$6,233,339
64$7,551,527$456,955$0$6,793,944
65$8,248,105$405,668$0$7,409,824
66$9,013,414$349,548$0$8,086,497
67$9,854,390$288,284$0$8,830,119
68$10,778,677$221,548$0$9,647,475
69$11,794,694$148,996$0$10,546,040
70$12,911,716$70,261$0$11,534,053
71$14,139,966$0$0$12,620,591
72$15,490,701$0$0$13,817,480
73$16,976,327$0$0$15,143,270
74$18,610,513$0$0$16,601,658
75$20,408,318$0$0$18,206,085
76$22,386,334$0$0$19,971,362
77$24,562,844$0$0$21,913,807
78$26,957,990$0$0$24,051,401
79$29,593,968$0$0$26,403,955
80$32,495,233$0$0$28,993,297
81$35,688,731$0$0$31,843,481
82$39,204,154$0$0$34,981,008
83$43,074,219$0$0$38,435,083
84$47,334,973$0$0$42,237,882
85$52,026,142$0$0$46,424,864
86$57,191,494$0$0$51,035,097
87$62,879,260$0$0$56,111,633
88$69,142,587$0$0$61,701,910
89$76,040,037$0$0$67,858,204
90$83,636,141$0$0$74,638,114
91$92,002,009$0$0$82,105,114
92$101,215,997$0$0$90,329,145
93$111,364,450$0$0$99,387,282
94$122,542,515$0$0$109,364,452
95$134,855,037$0$0$120,354,243
96$148,417,552$0$0$132,459,783
97$163,357,373$0$0$145,794,715
98$179,814,795$0$0$160,484,266
99$197,944,416$0$0$176,666,435
100$217,916,596$0$0$194,493,287