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%13.6%
1 years$54,502$54,017$53,543$53,081$52,629$51,843
2 years$26,981$26,479$25,992$25,520$25,062$24,271
3 years$17,809$17,304$16,818$16,351$15,900$15,130
4 years$13,224$12,720$12,239$11,780$11,340$10,596
5 years$10,473$9,973$9,498$9,048$8,621$7,905
6 years$8,640$8,144$7,676$7,236$6,821$6,135
7 years$7,331$6,839$6,379$5,949$5,547$4,891
8 years$6,350$5,862$5,410$4,990$4,602$3,976
9 years$5,587$5,104$4,659$4,251$3,876$3,278
10 years$4,977$4,499$4,062$3,664$3,302$2,734
11 years$4,479$4,005$3,576$3,189$2,840$2,300
12 years$4,064$3,595$3,174$2,797$2,461$1,948
13 years$3,713$3,249$2,836$2,469$2,146$1,660
14 years$3,412$2,953$2,548$2,192$1,881$1,421
15 years$3,152$2,698$2,300$1,955$1,656$1,222
16 years$2,924$2,475$2,086$1,750$1,464$1,054
17 years$2,723$2,279$1,898$1,573$1,298$911
18 years$2,545$2,106$1,732$1,417$1,154$790
19 years$2,386$1,952$1,586$1,281$1,029$686
20 years$2,243$1,814$1,456$1,160$919$597
21 years$2,114$1,690$1,339$1,053$822$520
22 years$1,996$1,577$1,234$957$737$454
23 years$1,889$1,475$1,139$872$662$397
24 years$1,792$1,382$1,054$795$595$347
25 years$1,702$1,297$976$726$535$303
26 years$1,619$1,219$905$664$482$266
27 years$1,542$1,147$840$608$435$233
28 years$1,471$1,081$781$557$392$204
29 years$1,405$1,020$727$511$354$179
30 years$1,343$963$677$469$320$157
31 years$1,286$910$631$430$289$138
32 years$1,232$861$589$395$262$121
33 years$1,182$816$550$364$237$106
34 years$1,135$773$514$335$214$94
35 years$1,090$733$480$308$194$82
36 years$1,048$696$449$284$176$72
37 years$1,009$661$421$261$159$64
38 years$971$628$394$241$145$56
39 years$936$597$369$222$131$49
40 years$902$568$346$205$119$43
41 years$871$541$324$189$108$38
42 years$840$515$304$174$98$33
43 years$812$491$286$161$89$29
44 years$784$468$268$149$81$26
45 years$758$446$252$137$73$23
46 years$733$426$236$127$66$20
47 years$710$406$222$117$60$18
48 years$687$388$209$108$55$16
49 years$665$370$196$100$50$14
50 years$644$354$184$93$45$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $660,000, adding $2,996 every year, while hoping to spend $20,881 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: 65/26/9 Blend
34$660,000$660,000$660,000$660,000
35$730,410$695,430$685,200$776,345
36$782,695$707,289$685,937$819,176
37$839,613$719,029$685,999$863,211
38$901,614$730,623$685,341$910,783
39$969,195$742,040$683,917$962,234
40$1,042,902$753,248$681,676$1,017,941
41$1,123,334$764,213$678,568$1,078,321
42$1,211,153$774,899$674,539$1,143,833
43$1,307,086$785,264$669,532$1,214,980
44$1,411,935$795,269$663,488$1,292,321
45$1,526,582$804,866$656,344$1,376,470
46$1,651,998$814,009$648,036$1,468,102
47$1,789,251$822,645$638,495$1,567,963
48$1,939,520$830,720$627,650$1,676,875
49$2,104,102$838,176$615,426$1,795,744
50$2,284,423$844,949$601,746$1,925,569
51$2,482,056$850,974$586,527$2,067,450
52$2,698,734$856,180$569,683$2,222,601
53$2,936,363$860,491$551,126$2,392,359
54$3,197,045$863,828$530,762$2,578,199
55$3,483,094$866,106$508,492$2,781,745
56$3,797,057$867,233$484,215$3,004,790
57$4,141,744$867,114$457,823$3,249,309
58$4,520,247$865,647$429,205$3,517,478
59$4,935,972$862,724$398,243$3,811,699
60$5,392,672$858,229$364,816$4,134,616
61$5,894,484$852,041$328,796$4,489,146
62$6,445,960$844,030$290,049$4,878,504
63$7,052,119$834,059$248,437$5,306,234
64$7,718,490$821,982$203,814$5,776,244
65$8,451,163$807,646$156,029$6,292,840
66$9,256,848$790,887$104,923$6,860,768
67$10,142,938$771,533$50,329$7,485,264
68$11,117,580$749,399$0$8,172,095
69$12,189,746$724,294$0$8,928,381
70$13,369,326$696,010$0$9,765,579
71$14,667,215$664,331$0$10,686,595
72$16,095,416$629,029$0$11,699,964
73$17,667,156$589,859$0$12,815,094
74$19,397,008$546,564$0$14,042,356
75$21,301,032$498,875$0$15,393,176
76$23,396,919$446,502$0$16,880,151
77$25,704,168$389,144$0$18,517,162
78$28,244,260$326,479$0$20,319,512
79$31,040,867$258,169$0$22,304,062
80$34,120,073$183,856$0$24,489,400
81$37,510,617$103,162$0$26,896,008
82$41,244,172$15,689$0$29,546,465
83$45,355,635$0$0$32,465,652
84$49,883,460$0$0$35,703,592
85$54,870,022$0$0$39,274,587
86$60,362,015$0$0$43,207,594
87$66,410,892$0$0$47,539,468
88$73,073,350$0$0$52,310,822
89$80,411,869$0$0$57,566,407
90$88,495,295$0$0$63,355,537
91$97,399,495$0$0$69,732,556
92$107,208,070$0$0$76,757,345
93$118,013,146$0$0$84,495,894
94$129,916,240$0$0$93,020,916
95$143,029,220$0$0$102,412,545
96$157,475,362$0$0$112,759,079
97$173,390,512$0$0$124,157,824
98$190,924,366$0$0$136,716,007
99$210,241,885$0$0$150,551,788
100$231,524,854$0$0$165,795,377