Can I retire at age 35 with 736,000?

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 $736,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$60,778$60,237$59,709$59,193$58,690$56,675
2 years$30,088$29,528$28,985$28,458$27,947$25,938
3 years$19,860$19,297$18,755$18,233$17,731$15,790
4 years$14,746$14,185$13,649$13,136$12,646$10,789
5 years$11,679$11,121$10,592$10,090$9,613$7,844
6 years$9,635$9,081$8,560$8,069$7,607$5,927
7 years$8,175$7,627$7,113$6,634$6,186$4,596
8 years$7,081$6,537$6,033$5,565$5,132$3,630
9 years$6,231$5,692$5,196$4,740$4,322$2,906
10 years$5,551$5,017$4,530$4,086$3,683$2,351
11 years$4,995$4,467$3,988$3,556$3,167$1,917
12 years$4,532$4,009$3,539$3,119$2,745$1,573
13 years$4,140$3,623$3,162$2,754$2,393$1,297
14 years$3,805$3,293$2,841$2,444$2,098$1,074
15 years$3,515$3,008$2,565$2,180$1,847$892
16 years$3,261$2,760$2,326$1,952$1,633$743
17 years$3,037$2,542$2,116$1,754$1,448$620
18 years$2,838$2,349$1,932$1,581$1,287$518
19 years$2,661$2,177$1,769$1,428$1,147$434
20 years$2,501$2,023$1,623$1,293$1,025$364
21 years$2,357$1,884$1,493$1,174$917$305
22 years$2,226$1,759$1,376$1,067$822$257
23 years$2,107$1,645$1,271$972$738$216
24 years$1,998$1,541$1,175$887$663$181
25 years$1,898$1,446$1,088$810$597$153
26 years$1,805$1,359$1,009$740$538$129
27 years$1,720$1,279$937$678$485$108
28 years$1,640$1,206$871$621$437$91
29 years$1,567$1,137$811$569$395$77
30 years$1,498$1,074$755$523$357$65
31 years$1,434$1,015$704$480$323$55
32 years$1,374$961$657$441$292$46
33 years$1,318$910$613$406$264$39
34 years$1,265$862$573$373$239$33
35 years$1,216$818$536$344$217$28
36 years$1,169$776$501$316$196$23
37 years$1,125$737$469$291$178$20
38 years$1,083$701$439$269$161$17
39 years$1,044$666$412$248$146$14
40 years$1,006$634$386$228$133$12
41 years$971$603$362$211$120$10
42 years$937$575$339$195$109$8
43 years$905$548$318$180$99$7
44 years$874$522$299$166$90$6
45 years$845$498$281$153$82$5
46 years$818$475$264$141$74$4
47 years$791$453$248$131$67$4
48 years$766$433$233$121$61$3
49 years$742$413$219$112$56$3
50 years$719$395$206$103$50$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $736,000, adding $5,477 every year, while hoping to spend $55,364 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: 48/23/29 Blend
34$736,000$736,000$736,000$736,000
35$816,722$777,714$766,306$848,930
36$841,120$756,915$733,070$851,372
37$866,152$733,241$696,865$848,180
38$891,823$706,493$657,534$843,651
39$918,138$676,461$614,910$837,688
40$945,101$642,920$568,823$830,187
41$972,714$605,635$519,090$821,039
42$1,000,976$564,357$465,525$810,126
43$1,029,885$518,820$407,930$797,326
44$1,059,438$468,747$346,101$782,507
45$1,089,628$413,843$279,822$765,531
46$1,120,443$353,794$208,869$746,249
47$1,151,872$288,274$133,010$724,506
48$1,183,896$216,932$51,999$700,136
49$1,216,495$139,403$0$672,962
50$1,249,641$55,298$0$653,458
51$1,283,305$0$0$648,629
52$1,317,447$0$0$651,301
53$1,352,023$0$0$668,155
54$1,386,983$0$0$685,167
55$1,422,266$0$0$702,302
56$1,457,803$0$0$719,524
57$1,493,514$0$0$736,789
58$1,529,308$0$0$754,046
59$1,565,083$0$0$771,240
60$1,600,720$0$0$788,307
61$1,636,085$0$0$805,174
62$1,671,029$0$0$821,760
63$1,705,381$0$0$837,973
64$1,738,951$0$0$853,711
65$1,771,522$0$0$868,857
66$1,802,854$0$0$883,282
67$1,832,677$0$0$896,841
68$1,860,689$0$0$909,372
69$1,886,553$0$0$920,695
70$1,909,890$0$0$930,607
71$1,930,282$0$0$938,885
72$1,947,260$0$0$945,277
73$1,960,302$0$0$949,506
74$1,968,828$0$0$951,263
75$1,972,195$0$0$950,203
76$1,969,685$0$0$945,946
77$1,960,503$0$0$938,067
78$1,943,767$0$0$926,097
79$1,918,498$0$0$909,515
80$1,883,609$0$0$887,744
81$1,837,900$0$0$860,144
82$1,780,035$0$0$826,007
83$1,708,541$0$0$784,550
84$1,621,783$0$0$734,903
85$1,517,953$0$0$676,108
86$1,395,052$0$0$607,103
87$1,250,865$0$0$526,713
88$1,082,948$0$0$433,641
89$888,594$0$0$326,451
90$664,815$0$0$203,558
91$408,306$0$0$63,210
92$115,417$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0