Can I retire at age 35 with 737,000?

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 $737,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$60,861$60,319$59,790$59,274$58,769$57,094
2 years$30,129$29,568$29,024$28,497$27,985$26,311
3 years$19,887$19,323$18,781$18,258$17,755$16,133
4 years$14,766$14,204$13,667$13,154$12,663$11,107
5 years$11,695$11,136$10,606$10,104$9,626$8,140
6 years$9,648$9,094$8,572$8,080$7,617$6,201
7 years$8,187$7,637$7,123$6,643$6,195$4,850
8 years$7,091$6,546$6,041$5,573$5,139$3,865
9 years$6,239$5,700$5,203$4,747$4,328$3,123
10 years$5,558$5,024$4,536$4,092$3,688$2,550
11 years$5,001$4,473$3,994$3,561$3,171$2,099
12 years$4,538$4,014$3,544$3,123$2,748$1,739
13 years$4,146$3,628$3,166$2,758$2,397$1,449
14 years$3,810$3,298$2,845$2,448$2,101$1,212
15 years$3,519$3,012$2,569$2,183$1,850$1,018
16 years$3,265$2,764$2,329$1,955$1,635$857
17 years$3,041$2,545$2,119$1,756$1,449$723
18 years$2,842$2,352$1,935$1,583$1,289$611
19 years$2,665$2,180$1,771$1,430$1,149$518
20 years$2,505$2,026$1,625$1,295$1,026$439
21 years$2,360$1,887$1,495$1,176$918$373
22 years$2,229$1,761$1,378$1,069$823$317
23 years$2,110$1,647$1,272$973$739$270
24 years$2,001$1,543$1,177$888$664$229
25 years$1,900$1,448$1,090$811$598$195
26 years$1,808$1,361$1,011$741$538$167
27 years$1,722$1,281$939$679$485$142
28 years$1,643$1,207$872$622$438$121
29 years$1,569$1,139$812$570$395$103
30 years$1,500$1,075$756$523$357$88
31 years$1,436$1,017$705$481$323$75
32 years$1,376$962$658$442$292$64
33 years$1,320$911$614$406$264$55
34 years$1,267$863$574$374$239$47
35 years$1,217$819$537$344$217$40
36 years$1,171$777$502$317$196$34
37 years$1,126$738$470$292$178$29
38 years$1,085$702$440$269$161$25
39 years$1,045$667$412$248$146$21
40 years$1,008$635$386$229$133$18
41 years$972$604$362$211$120$16
42 years$938$575$340$195$109$13
43 years$906$548$319$180$99$11
44 years$876$523$299$166$90$10
45 years$847$498$281$153$82$8
46 years$819$475$264$142$74$7
47 years$792$454$248$131$67$6
48 years$767$433$233$121$61$5
49 years$743$414$219$112$56$4
50 years$720$395$206$103$50$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $737,000, adding $3,466 every year, while hoping to spend $49,298 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: 50/42/8 Blend
34$737,000$737,000$737,000$737,000
35$815,749$776,688$765,265$854,678
36$846,503$762,293$738,448$867,224
37$878,741$745,541$709,081$875,301
38$912,564$726,263$677,026$882,920
39$948,078$704,282$642,140$890,051
40$985,401$679,412$604,271$896,662
41$1,024,661$651,452$563,263$902,724
42$1,065,996$620,192$518,951$908,207
43$1,109,557$585,411$471,166$913,082
44$1,155,508$546,873$419,726$917,321
45$1,204,029$504,328$364,446$920,898
46$1,255,314$457,515$305,129$923,790
47$1,309,578$406,155$241,573$925,973
48$1,367,052$349,954$173,563$927,430
49$1,427,992$288,602$100,878$928,146
50$1,492,675$221,771$23,285$928,110
51$1,561,405$149,115$0$927,317
52$1,634,514$70,268$0$930,850
53$1,712,366$0$0$936,088
54$1,795,361$0$0$948,085
55$1,883,933$0$0$995,592
56$1,978,561$0$0$1,046,395
57$2,079,768$0$0$1,100,781
58$2,188,130$0$0$1,159,065
59$2,304,276$0$0$1,221,594
60$2,428,897$0$0$1,288,746
61$2,562,751$0$0$1,360,938
62$2,706,671$0$0$1,438,626
63$2,861,569$0$0$1,522,314
64$3,028,450$0$0$1,612,552
65$3,208,416$0$0$1,709,945
66$3,402,676$0$0$1,815,159
67$3,612,562$0$0$1,928,925
68$3,839,535$0$0$2,052,046
69$4,085,201$0$0$2,185,407
70$4,351,327$0$0$2,329,978
71$4,639,856$0$0$2,486,828
72$4,952,922$0$0$2,657,131
73$5,292,875$0$0$2,842,179
74$5,662,297$0$0$3,043,393
75$6,064,032$0$0$3,262,338
76$6,501,205$0$0$3,500,734
77$6,977,257$0$0$3,760,474
78$7,495,973$0$0$4,043,641
79$8,061,521$0$0$4,352,528
80$8,678,484$0$0$4,689,660
81$9,351,910$0$0$5,057,814
82$10,087,355$0$0$5,460,048
83$10,890,933$0$0$5,899,731
84$11,769,379$0$0$6,380,567
85$12,730,105$0$0$6,906,640
86$13,781,273$0$0$7,482,442
87$14,931,870$0$0$8,112,923
88$16,191,792$0$0$8,803,533
89$17,571,938$0$0$9,560,271
90$19,084,309$0$0$10,389,749
91$20,742,123$0$0$11,299,245
92$22,559,937$0$0$12,296,776
93$24,553,785$0$0$13,391,173
94$26,741,326$0$0$14,592,163
95$29,142,013$0$0$15,910,458
96$31,777,272$0$0$17,357,862
97$34,670,705$0$0$18,947,374
98$37,848,310$0$0$20,693,315
99$41,338,729$0$0$22,611,461
100$45,173,512$0$0$24,719,192