Can I retire at age 35 with 739,000?

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 $739,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$61,026$60,482$59,952$59,434$58,929$56,838
2 years$30,211$29,648$29,103$28,574$28,061$25,977
3 years$19,941$19,375$18,832$18,308$17,803$15,791
4 years$14,806$14,243$13,705$13,190$12,697$10,773
5 years$11,727$11,167$10,635$10,131$9,652$7,820
6 years$9,674$9,118$8,595$8,102$7,638$5,900
7 years$8,209$7,658$7,142$6,661$6,211$4,567
8 years$7,110$6,564$6,057$5,588$5,153$3,601
9 years$6,256$5,715$5,217$4,759$4,340$2,877
10 years$5,573$5,038$4,548$4,103$3,698$2,323
11 years$5,015$4,485$4,004$3,571$3,180$1,890
12 years$4,550$4,025$3,554$3,132$2,756$1,548
13 years$4,157$3,638$3,175$2,765$2,403$1,274
14 years$3,820$3,307$2,853$2,454$2,106$1,052
15 years$3,529$3,021$2,576$2,189$1,855$872
16 years$3,274$2,771$2,335$1,960$1,639$725
17 years$3,049$2,552$2,125$1,761$1,453$604
18 years$2,850$2,358$1,940$1,587$1,292$504
19 years$2,672$2,186$1,776$1,434$1,152$421
20 years$2,512$2,031$1,630$1,299$1,029$352
21 years$2,367$1,892$1,499$1,179$921$295
22 years$2,235$1,766$1,382$1,072$825$247
23 years$2,116$1,652$1,276$976$741$207
24 years$2,006$1,548$1,180$890$666$174
25 years$1,905$1,452$1,093$813$599$146
26 years$1,812$1,365$1,013$743$540$123
27 years$1,727$1,285$941$680$487$103
28 years$1,647$1,210$875$623$439$87
29 years$1,573$1,142$814$572$396$73
30 years$1,504$1,078$758$525$358$61
31 years$1,440$1,019$707$482$324$51
32 years$1,380$965$660$443$293$43
33 years$1,323$913$616$407$265$36
34 years$1,270$866$575$375$240$31
35 years$1,221$821$538$345$217$26
36 years$1,174$779$503$318$197$22
37 years$1,129$740$471$293$179$18
38 years$1,088$704$441$270$162$15
39 years$1,048$669$413$249$147$13
40 years$1,010$636$387$229$133$11
41 years$975$606$363$212$121$9
42 years$941$577$341$195$110$8
43 years$909$550$320$180$99$6
44 years$878$524$300$167$90$5
45 years$849$500$282$154$82$5
46 years$821$477$265$142$74$4
47 years$794$455$249$131$68$3
48 years$769$434$234$121$61$3
49 years$745$415$220$112$56$2
50 years$722$396$206$104$51$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $739,000, adding $6,814 every year, while hoping to spend $42,075 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: 57/24/19 Blend
34$739,000$739,000$739,000$739,000
35$821,407$782,240$770,785$863,714
36$860,423$775,802$751,839$886,831
37$902,008$767,639$730,848$906,883
38$946,381$757,621$707,699$927,798
39$993,779$745,611$682,274$949,669
40$1,044,464$731,466$654,450$972,600
41$1,098,723$715,031$624,098$996,706
42$1,156,869$696,144$591,081$1,022,117
43$1,219,247$674,633$555,260$1,048,979
44$1,286,236$650,316$516,487$1,077,456
45$1,358,251$623,000$474,608$1,107,728
46$1,435,747$592,481$429,462$1,140,000
47$1,519,224$558,544$380,880$1,174,499
48$1,609,233$520,961$328,688$1,211,477
49$1,706,377$479,490$272,701$1,251,218
50$1,811,319$433,876$212,728$1,294,037
51$1,924,788$383,851$148,569$1,340,285
52$2,047,585$329,128$80,015$1,390,351
53$2,180,592$269,408$6,848$1,444,672
54$2,324,776$204,373$0$1,503,731
55$2,481,202$133,686$0$1,582,507
56$2,651,042$56,994$0$1,669,577
57$2,835,583$0$0$1,764,265
58$3,036,242$0$0$1,874,250
59$3,254,579$0$0$2,010,358
60$3,492,309$0$0$2,158,616
61$3,751,318$0$0$2,320,206
62$4,033,685$0$0$2,496,433
63$4,341,694$0$0$2,688,731
64$4,677,862$0$0$2,898,681
65$5,044,959$0$0$3,128,019
66$5,446,034$0$0$3,378,661
67$5,884,442$0$0$3,652,713
68$6,363,880$0$0$3,952,496
69$6,888,416$0$0$4,280,563
70$7,462,530$0$0$4,639,728
71$8,091,157$0$0$5,033,088
72$8,779,728$0$0$5,464,055
73$9,534,226$0$0$5,936,384
74$10,361,240$0$0$6,454,212
75$11,268,027$0$0$7,022,098
76$12,262,580$0$0$7,645,058
77$13,353,701$0$0$8,328,622
78$14,551,088$0$0$9,078,878
79$15,865,420$0$0$9,902,533
80$17,308,462$0$0$10,806,976
81$18,893,175$0$0$11,800,346
82$20,633,836$0$0$12,891,607
83$22,546,171$0$0$14,090,637
84$24,647,506$0$0$15,408,317
85$26,956,928$0$0$16,856,633
86$29,495,466$0$0$18,448,794
87$32,286,286$0$0$20,199,347
88$35,354,911$0$0$22,124,323
89$38,729,462$0$0$24,241,383
90$42,440,921$0$0$26,569,985
91$46,523,421$0$0$29,131,568
92$51,014,572$0$0$31,949,753
93$55,955,813$0$0$35,050,565
94$61,392,799$0$0$38,462,682
95$67,375,837$0$0$42,217,699
96$73,960,355$0$0$46,350,430
97$81,207,428$0$0$50,899,235
98$89,184,351$0$0$55,906,381
99$97,965,273$0$0$61,418,443
100$107,631,899$0$0$67,486,737