Can I retire at age 35 with 735,000?

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 $735,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$60,696$60,155$59,627$59,113$58,610$56,262
2 years$30,047$29,488$28,945$28,420$27,909$25,574
3 years$19,833$19,271$18,730$18,209$17,707$15,457
4 years$14,726$14,166$13,630$13,118$12,629$10,481
5 years$11,663$11,106$10,578$10,076$9,600$7,561
6 years$9,622$9,069$8,548$8,058$7,596$5,666
7 years$8,164$7,616$7,104$6,625$6,178$4,356
8 years$7,072$6,528$6,025$5,557$5,125$3,410
9 years$6,222$5,684$5,189$4,734$4,316$2,705
10 years$5,543$5,010$4,524$4,081$3,678$2,167
11 years$4,988$4,460$3,983$3,551$3,163$1,750
12 years$4,525$4,003$3,535$3,115$2,741$1,421
13 years$4,134$3,618$3,158$2,750$2,390$1,160
14 years$3,800$3,289$2,837$2,441$2,095$950
15 years$3,510$3,004$2,562$2,177$1,845$781
16 years$3,256$2,756$2,323$1,949$1,630$643
17 years$3,033$2,538$2,113$1,751$1,446$531
18 years$2,835$2,346$1,929$1,578$1,285$439
19 years$2,657$2,174$1,766$1,426$1,146$364
20 years$2,498$2,020$1,621$1,292$1,023$301
21 years$2,354$1,882$1,491$1,172$916$250
22 years$2,223$1,756$1,374$1,066$821$208
23 years$2,104$1,643$1,269$971$737$172
24 years$1,995$1,539$1,173$885$662$143
25 years$1,895$1,444$1,087$809$596$119
26 years$1,803$1,358$1,008$739$537$99
27 years$1,717$1,278$936$677$484$83
28 years$1,638$1,204$870$620$437$69
29 years$1,565$1,136$810$569$394$57
30 years$1,496$1,073$754$522$356$48
31 years$1,432$1,014$703$479$322$40
32 years$1,372$959$656$440$291$33
33 years$1,316$909$613$405$264$27
34 years$1,264$861$572$373$239$23
35 years$1,214$817$535$343$216$19
36 years$1,167$775$501$316$196$16
37 years$1,123$736$469$291$178$13
38 years$1,082$700$439$268$161$11
39 years$1,042$665$411$247$146$9
40 years$1,005$633$385$228$132$8
41 years$969$603$361$211$120$6
42 years$936$574$339$194$109$5
43 years$904$547$318$179$99$4
44 years$873$521$298$166$90$4
45 years$844$497$280$153$82$3
46 years$817$474$263$141$74$3
47 years$790$452$247$131$67$2
48 years$765$432$232$121$61$2
49 years$741$412$218$111$55$1
50 years$718$394$205$103$50$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $735,000, adding $5,294 every year, while hoping to spend $25,834 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: 32/48/20 Blend
34$735,000$735,000$735,000$735,000
35$815,431$776,476$765,083$836,324
36$871,118$787,036$763,226$862,966
37$931,618$797,248$760,441$888,922
38$997,397$807,067$756,670$916,339
39$1,068,965$816,445$751,851$945,360
40$1,146,881$825,334$745,920$976,146
41$1,231,765$833,677$738,811$1,008,873
42$1,324,296$841,418$730,452$1,043,737
43$1,425,223$848,496$720,770$1,080,955
44$1,535,368$854,845$709,689$1,120,770
45$1,655,638$860,395$697,126$1,163,450
46$1,787,031$865,072$682,997$1,209,291
47$1,930,646$868,798$667,215$1,258,624
48$2,087,691$871,488$649,686$1,311,812
49$2,259,499$873,055$630,314$1,369,262
50$2,447,535$873,402$608,997$1,431,421
51$2,653,414$872,429$585,629$1,498,786
52$2,878,915$870,030$560,100$1,571,909
53$3,125,994$866,092$532,293$1,651,397
54$3,396,808$860,493$502,088$1,737,927
55$3,693,732$853,107$469,358$1,832,245
56$4,019,382$843,798$433,970$1,935,179
57$4,376,638$832,423$395,787$2,047,643
58$4,768,673$818,830$354,664$2,170,650
59$5,198,983$802,858$310,451$2,305,321
60$5,671,418$784,337$262,989$2,452,895
61$6,190,218$763,085$212,115$2,614,743
62$6,760,056$738,911$157,656$2,792,380
63$7,386,077$711,614$99,434$2,987,483
64$8,073,953$680,979$37,261$3,201,905
65$8,829,929$646,780$0$3,437,694
66$9,660,886$608,776$0$3,703,321
67$10,574,405$566,715$0$4,003,969
68$11,578,838$520,328$0$4,334,490
69$12,683,388$469,332$0$4,697,985
70$13,898,192$413,428$0$5,097,879
71$15,234,421$352,299$0$5,537,949
72$16,704,382$285,612$0$6,022,369
73$18,321,634$213,012$0$6,555,741
74$20,101,118$134,127$0$7,143,146
75$22,059,296$48,563$0$7,790,190
76$24,214,306$0$0$8,503,059
77$26,586,133$0$0$9,311,872
78$29,196,798$0$0$10,230,498
79$32,070,566$0$0$11,241,841
80$35,234,173$0$0$12,355,328
81$38,717,078$0$0$13,581,346
82$42,551,744$0$0$14,931,340
83$46,773,940$0$0$16,417,921
84$51,423,080$0$0$18,054,985
85$56,542,596$0$0$19,857,848
86$62,180,344$0$0$21,843,381
87$68,389,061$0$0$24,030,181
88$75,226,856$0$0$26,438,735
89$82,757,763$0$0$29,091,622
90$91,052,342$0$0$32,013,722
91$100,188,346$0$0$35,232,450
92$110,251,456$0$0$38,778,020
93$121,336,086$0$0$42,683,720
94$133,546,276$0$0$46,986,238
95$146,996,673$0$0$51,725,999
96$161,813,614$0$0$56,947,552
97$178,136,317$0$0$62,699,986
98$196,118,193$0$0$69,037,398
99$215,928,298$0$0$76,019,399
100$237,752,924$0$0$83,711,680