Can I retire at age 35 with 660,000?

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 $660,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$54,502$54,017$53,543$53,081$52,629$52,036
2 years$26,981$26,479$25,992$25,520$25,062$24,465
3 years$17,809$17,304$16,818$16,351$15,900$15,318
4 years$13,224$12,720$12,239$11,780$11,340$10,777
5 years$10,473$9,973$9,498$9,048$8,621$8,078
6 years$8,640$8,144$7,676$7,236$6,821$6,300
7 years$7,331$6,839$6,379$5,949$5,547$5,048
8 years$6,350$5,862$5,410$4,990$4,602$4,124
9 years$5,587$5,104$4,659$4,251$3,876$3,419
10 years$4,977$4,499$4,062$3,664$3,302$2,866
11 years$4,479$4,005$3,576$3,189$2,840$2,425
12 years$4,064$3,595$3,174$2,797$2,461$2,066
13 years$3,713$3,249$2,836$2,469$2,146$1,771
14 years$3,412$2,953$2,548$2,192$1,881$1,525
15 years$3,152$2,698$2,300$1,955$1,656$1,319
16 years$2,924$2,475$2,086$1,750$1,464$1,145
17 years$2,723$2,279$1,898$1,573$1,298$996
18 years$2,545$2,106$1,732$1,417$1,154$869
19 years$2,386$1,952$1,586$1,281$1,029$760
20 years$2,243$1,814$1,456$1,160$919$666
21 years$2,114$1,690$1,339$1,053$822$584
22 years$1,996$1,577$1,234$957$737$513
23 years$1,889$1,475$1,139$872$662$451
24 years$1,792$1,382$1,054$795$595$397
25 years$1,702$1,297$976$726$535$350
26 years$1,619$1,219$905$664$482$309
27 years$1,542$1,147$840$608$435$273
28 years$1,471$1,081$781$557$392$241
29 years$1,405$1,020$727$511$354$213
30 years$1,343$963$677$469$320$188
31 years$1,286$910$631$430$289$166
32 years$1,232$861$589$395$262$147
33 years$1,182$816$550$364$237$130
34 years$1,135$773$514$335$214$115
35 years$1,090$733$480$308$194$102
36 years$1,048$696$449$284$176$91
37 years$1,009$661$421$261$159$80
38 years$971$628$394$241$145$71
39 years$936$597$369$222$131$63
40 years$902$568$346$205$119$56
41 years$871$541$324$189$108$49
42 years$840$515$304$174$98$44
43 years$812$491$286$161$89$39
44 years$784$468$268$149$81$34
45 years$758$446$252$137$73$31
46 years$733$426$236$127$66$27
47 years$710$406$222$117$60$24
48 years$687$388$209$108$55$21
49 years$665$370$196$100$50$19
50 years$644$354$184$93$45$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $660,000, adding $6,278 every year, while hoping to spend $38,139 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: 75/12/13 Blend
34$660,000$660,000$660,000$660,000
35$733,796$698,816$688,586$786,402
36$768,063$692,478$671,074$815,655
37$804,548$684,552$651,697$842,320
38$843,435$674,918$630,352$870,494
39$884,929$663,453$606,933$900,317
40$929,253$650,023$581,326$931,941
41$976,650$634,487$553,414$965,535
42$1,027,389$616,698$523,074$1,001,284
43$1,081,764$596,498$490,178$1,039,396
44$1,140,097$573,719$454,592$1,080,098
45$1,202,742$548,186$416,176$1,123,640
46$1,270,087$519,712$374,783$1,170,302
47$1,342,558$488,100$330,260$1,220,389
48$1,420,622$453,141$282,447$1,274,241
49$1,504,795$414,614$231,179$1,332,232
50$1,595,641$372,287$176,280$1,394,778
51$1,693,779$325,912$117,568$1,462,335
52$1,799,892$275,229$54,854$1,535,408
53$1,914,729$219,963$0$1,614,556
54$2,039,114$159,824$0$1,702,070
55$2,173,952$94,504$0$1,805,184
56$2,320,240$23,679$0$1,917,066
57$2,479,072$0$0$2,038,576
58$2,651,653$0$0$2,177,662
59$2,839,308$0$0$2,332,320
60$3,043,495$0$0$2,500,628
61$3,265,819$0$0$2,683,912
62$3,508,045$0$0$2,883,630
63$3,772,114$0$0$3,101,386
64$4,060,165$0$0$3,338,948
65$4,374,551$0$0$3,598,260
66$4,717,863$0$0$3,881,462
67$5,092,951$0$0$4,190,910
68$5,502,955$0$0$4,529,198
69$5,951,331$0$0$4,899,182
70$6,441,883$0$0$5,304,007
71$6,978,804$0$0$5,747,135
72$7,566,705$0$0$6,232,379
73$8,210,668$0$0$6,763,937
74$8,916,288$0$0$7,346,433
75$9,689,728$0$0$7,984,961
76$10,537,774$0$0$8,685,127
77$11,467,901$0$0$9,453,110
78$12,488,342$0$0$10,295,714
79$13,608,166$0$0$11,220,432
80$14,837,361$0$0$12,235,521
81$16,186,931$0$0$13,350,072
82$17,668,996$0$0$14,574,103
83$19,296,907$0$0$15,918,648
84$21,085,375$0$0$17,395,864
85$23,050,602$0$0$19,019,141
86$25,210,439$0$0$20,803,233
87$27,584,553$0$0$22,764,393
88$30,194,610$0$0$24,920,527
89$33,064,481$0$0$27,291,362
90$36,220,464$0$0$29,898,635
91$39,691,535$0$0$32,766,291
92$43,509,617$0$0$35,920,715
93$47,709,884$0$0$39,390,976
94$52,331,091$0$0$43,209,104
95$57,415,937$0$0$47,410,389
96$63,011,470$0$0$52,033,715
97$69,169,529$0$0$57,121,925
98$75,947,233$0$0$62,722,227
99$83,407,520$0$0$68,886,636
100$91,619,735$0$0$75,672,468