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%19.1%
1 years$54,502$54,017$53,543$53,081$52,629$50,702
2 years$26,981$26,479$25,992$25,520$25,062$23,141
3 years$17,809$17,304$16,818$16,351$15,900$14,047
4 years$13,224$12,720$12,239$11,780$11,340$9,568
5 years$10,473$9,973$9,498$9,048$8,621$6,935
6 years$8,640$8,144$7,676$7,236$6,821$5,223
7 years$7,331$6,839$6,379$5,949$5,547$4,036
8 years$6,350$5,862$5,410$4,990$4,602$3,177
9 years$5,587$5,104$4,659$4,251$3,876$2,534
10 years$4,977$4,499$4,062$3,664$3,302$2,042
11 years$4,479$4,005$3,576$3,189$2,840$1,658
12 years$4,064$3,595$3,174$2,797$2,461$1,355
13 years$3,713$3,249$2,836$2,469$2,146$1,113
14 years$3,412$2,953$2,548$2,192$1,881$917
15 years$3,152$2,698$2,300$1,955$1,656$759
16 years$2,924$2,475$2,086$1,750$1,464$629
17 years$2,723$2,279$1,898$1,573$1,298$523
18 years$2,545$2,106$1,732$1,417$1,154$435
19 years$2,386$1,952$1,586$1,281$1,029$363
20 years$2,243$1,814$1,456$1,160$919$303
21 years$2,114$1,690$1,339$1,053$822$253
22 years$1,996$1,577$1,234$957$737$212
23 years$1,889$1,475$1,139$872$662$177
24 years$1,792$1,382$1,054$795$595$148
25 years$1,702$1,297$976$726$535$124
26 years$1,619$1,219$905$664$482$104
27 years$1,542$1,147$840$608$435$87
28 years$1,471$1,081$781$557$392$73
29 years$1,405$1,020$727$511$354$61
30 years$1,343$963$677$469$320$51
31 years$1,286$910$631$430$289$43
32 years$1,232$861$589$395$262$36
33 years$1,182$816$550$364$237$30
34 years$1,135$773$514$335$214$25
35 years$1,090$733$480$308$194$21
36 years$1,048$696$449$284$176$18
37 years$1,009$661$421$261$159$15
38 years$971$628$394$241$145$13
39 years$936$597$369$222$131$11
40 years$902$568$346$205$119$9
41 years$871$541$324$189$108$7
42 years$840$515$304$174$98$6
43 years$812$491$286$161$89$5
44 years$784$468$268$149$81$4
45 years$758$446$252$137$73$4
46 years$733$426$236$127$66$3
47 years$710$406$222$117$60$3
48 years$687$388$209$108$55$2
49 years$665$370$196$100$50$2
50 years$644$354$184$93$45$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $660,000, adding $6,102 every year, while hoping to spend $32,910 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: 35/46/19 Blend
34$660,000$660,000$660,000$660,000
35$733,614$698,634$688,404$754,846
36$773,427$697,851$676,450$770,145
37$816,197$695,927$662,992$783,142
38$862,193$692,771$647,945$796,478
39$911,706$688,286$631,221$810,203
40$965,059$682,371$612,726$824,374
41$1,022,606$674,918$592,363$839,055
42$1,084,734$665,811$570,030$854,321
43$1,151,871$654,930$545,619$870,258
44$1,224,485$642,145$519,021$886,961
45$1,303,092$627,320$490,118$904,542
46$1,388,259$610,310$458,789$923,125
47$1,480,609$590,963$424,905$942,853
48$1,580,827$569,116$388,336$963,884
49$1,689,667$544,598$348,941$986,401
50$1,807,959$517,229$306,575$1,010,606
51$1,936,613$486,815$261,088$1,036,730
52$2,076,633$453,155$212,320$1,065,031
53$2,229,124$416,034$160,107$1,095,798
54$2,395,300$375,225$104,276$1,129,358
55$2,576,498$330,489$44,648$1,166,075
56$2,774,191$281,573$0$1,206,357
57$2,989,997$228,208$0$1,254,512
58$3,225,699$170,113$0$1,317,111
59$3,483,261$106,989$0$1,385,705
60$3,764,844$38,522$0$1,460,976
61$4,072,826$0$0$1,543,681
62$4,409,827$0$0$1,652,692
63$4,778,732$0$0$1,793,461
64$5,182,716$0$0$1,947,713
65$5,625,279$0$0$2,116,795
66$6,110,272$0$0$2,302,191
67$6,641,937$0$0$2,505,536
68$7,224,947$0$0$2,728,631
69$7,864,449$0$0$2,973,459
70$8,566,110$0$0$3,242,204
71$9,336,175$0$0$3,537,273
72$10,181,520$0$0$3,861,316
73$11,109,722$0$0$4,217,254
74$12,129,125$0$0$4,608,303
75$13,248,923$0$0$5,038,008
76$14,479,244$0$0$5,510,271
77$15,831,243$0$0$6,029,395
78$17,317,212$0$0$6,600,116
79$18,950,693$0$0$7,227,657
80$20,746,603$0$0$7,917,769
81$22,721,379$0$0$8,676,787
82$24,893,128$0$0$9,511,695
83$27,281,802$0$0$10,430,185
84$29,909,382$0$0$11,440,732
85$32,800,088$0$0$12,552,675
86$35,980,604$0$0$13,776,303
87$39,480,333$0$0$15,122,953
88$43,331,670$0$0$16,605,119
89$47,570,309$0$0$18,236,563
90$52,235,583$0$0$20,032,453
91$57,370,827$0$0$22,009,500
92$63,023,793$0$0$24,186,118
93$69,247,098$0$0$26,582,599
94$76,098,718$0$0$29,221,300
95$83,642,539$0$0$32,126,857
96$91,948,955$0$0$35,326,419
97$101,095,533$0$0$38,849,898
98$111,167,748$0$0$42,730,258
99$122,259,784$0$0$47,003,821
100$134,475,425$0$0$51,710,612