Can I retire at age 35 with 663,000?

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 $663,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$54,750$54,262$53,786$53,322$52,869$52,251
2 years$27,104$26,599$26,110$25,636$25,176$24,554
3 years$17,890$17,383$16,895$16,425$15,972$15,366
4 years$13,284$12,778$12,295$11,833$11,392$10,805
5 years$10,521$10,018$9,542$9,089$8,660$8,095
6 years$8,679$8,181$7,711$7,269$6,852$6,310
7 years$7,365$6,870$6,408$5,976$5,573$5,053
8 years$6,379$5,889$5,434$5,013$4,623$4,126
9 years$5,613$5,127$4,681$4,270$3,893$3,418
10 years$5,000$4,520$4,081$3,681$3,317$2,864
11 years$4,499$4,023$3,593$3,203$2,853$2,422
12 years$4,082$3,611$3,188$2,810$2,472$2,062
13 years$3,729$3,264$2,849$2,481$2,156$1,766
14 years$3,427$2,966$2,559$2,202$1,890$1,520
15 years$3,166$2,710$2,311$1,964$1,664$1,314
16 years$2,937$2,486$2,095$1,758$1,471$1,139
17 years$2,736$2,290$1,906$1,580$1,304$991
18 years$2,557$2,116$1,740$1,424$1,159$864
19 years$2,397$1,961$1,593$1,287$1,033$755
20 years$2,253$1,822$1,462$1,165$923$661
21 years$2,123$1,697$1,345$1,057$826$579
22 years$2,006$1,584$1,240$962$740$509
23 years$1,898$1,482$1,144$876$665$447
24 years$1,800$1,388$1,058$799$597$393
25 years$1,709$1,303$980$729$538$346
26 years$1,626$1,225$909$667$484$305
27 years$1,549$1,152$844$610$437$269
28 years$1,478$1,086$785$559$394$238
29 years$1,411$1,024$730$513$356$210
30 years$1,350$968$680$471$321$185
31 years$1,292$915$634$432$291$164
32 years$1,238$865$592$397$263$145
33 years$1,187$820$553$365$238$128
34 years$1,140$777$516$336$215$113
35 years$1,095$737$483$309$195$100
36 years$1,053$699$452$285$177$89
37 years$1,013$664$423$263$160$79
38 years$976$631$396$242$145$70
39 years$940$600$371$223$132$62
40 years$906$571$348$206$119$55
41 years$874$544$326$190$108$48
42 years$844$518$306$175$98$43
43 years$815$493$287$162$89$38
44 years$788$470$269$149$81$34
45 years$762$448$253$138$74$30
46 years$737$428$237$127$67$26
47 years$713$408$223$118$61$23
48 years$690$390$210$109$55$21
49 years$668$372$197$101$50$18
50 years$647$355$185$93$45$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $663,000, adding $4,439 every year, while hoping to spend $33,463 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: 64/11/25 Blend
34$663,000$663,000$663,000$663,000
35$735,205$700,066$689,789$777,168
36$774,591$698,765$677,293$804,744
37$816,874$696,278$663,256$830,740
38$862,312$692,513$647,593$858,397
39$911,192$687,370$630,211$887,881
40$963,826$680,744$611,016$919,376
41$1,020,560$672,524$589,908$953,087
42$1,081,771$662,592$566,784$989,241
43$1,147,874$650,821$541,534$1,028,087
44$1,219,327$637,081$514,045$1,069,903
45$1,296,630$621,230$484,197$1,114,996
46$1,380,336$603,119$451,867$1,163,706
47$1,471,050$582,592$416,924$1,216,409
48$1,569,439$559,481$379,234$1,273,520
49$1,676,237$533,611$338,653$1,335,501
50$1,792,250$504,795$295,035$1,402,861
51$1,918,365$472,835$248,224$1,476,161
52$2,055,558$437,524$198,059$1,556,026
53$2,204,902$398,640$144,371$1,643,142
54$2,367,579$355,950$86,985$1,738,273
55$2,544,890$309,209$25,716$1,842,257
56$2,738,264$258,156$0$1,956,026
57$2,949,277$202,515$0$2,091,188
58$3,179,662$141,997$0$2,246,305
59$3,431,327$76,295$0$2,415,820
60$3,706,374$5,085$0$2,601,177
61$4,007,114$0$0$2,803,968
62$4,336,095$0$0$3,034,658
63$4,696,119$0$0$3,287,836
64$5,090,275$0$0$3,565,063
65$5,521,963$0$0$3,868,736
66$5,994,925$0$0$4,201,494
67$6,513,286$0$0$4,566,246
68$7,081,587$0$0$4,966,192
69$7,704,828$0$0$5,404,860
70$8,388,519$0$0$5,886,134
71$9,138,727$0$0$6,414,292
72$9,962,136$0$0$6,994,047
73$10,866,107$0$0$7,630,590
74$11,858,749$0$0$8,329,640
75$12,948,997$0$0$9,097,495
76$14,146,690$0$0$9,941,097
77$15,462,671$0$0$10,868,088
78$16,908,882$0$0$11,886,893
79$18,498,480$0$0$13,006,789
80$20,245,961$0$0$14,237,998
81$22,167,295$0$0$15,591,783
82$24,280,078$0$0$17,080,552
83$26,603,693$0$0$18,717,974
84$29,159,499$0$0$20,519,113
85$31,971,027$0$0$22,500,563
86$35,064,205$0$0$24,680,609
87$38,467,599$0$0$27,079,396
88$42,212,685$0$0$29,719,123
89$46,334,144$0$0$32,624,247
90$50,870,188$0$0$35,821,718
91$55,862,922$0$0$39,341,229
92$61,358,741$0$0$43,215,500
93$67,408,764$0$0$47,480,583
94$74,069,319$0$0$52,176,203
95$81,402,473$0$0$57,346,133
96$89,476,620$0$0$63,038,607
97$98,367,118$0$0$69,306,773
98$108,157,010$0$0$76,209,196
99$118,937,799$0$0$83,810,409
100$130,810,314$0$0$92,181,525