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%15.7%
1 years$54,750$54,262$53,786$53,322$52,869$51,632
2 years$27,104$26,599$26,110$25,636$25,176$23,937
3 years$17,890$17,383$16,895$16,425$15,972$14,770
4 years$13,284$12,778$12,295$11,833$11,392$10,235
5 years$10,521$10,018$9,542$9,089$8,660$7,553
6 years$8,679$8,181$7,711$7,269$6,852$5,795
7 years$7,365$6,870$6,408$5,976$5,573$4,566
8 years$6,379$5,889$5,434$5,013$4,623$3,666
9 years$5,613$5,127$4,681$4,270$3,893$2,985
10 years$5,000$4,520$4,081$3,681$3,317$2,457
11 years$4,499$4,023$3,593$3,203$2,853$2,040
12 years$4,082$3,611$3,188$2,810$2,472$1,705
13 years$3,729$3,264$2,849$2,481$2,156$1,433
14 years$3,427$2,966$2,559$2,202$1,890$1,209
15 years$3,166$2,710$2,311$1,964$1,664$1,024
16 years$2,937$2,486$2,095$1,758$1,471$871
17 years$2,736$2,290$1,906$1,580$1,304$742
18 years$2,557$2,116$1,740$1,424$1,159$633
19 years$2,397$1,961$1,593$1,287$1,033$541
20 years$2,253$1,822$1,462$1,165$923$464
21 years$2,123$1,697$1,345$1,057$826$398
22 years$2,006$1,584$1,240$962$740$342
23 years$1,898$1,482$1,144$876$665$293
24 years$1,800$1,388$1,058$799$597$252
25 years$1,709$1,303$980$729$538$217
26 years$1,626$1,225$909$667$484$187
27 years$1,549$1,152$844$610$437$161
28 years$1,478$1,086$785$559$394$139
29 years$1,411$1,024$730$513$356$120
30 years$1,350$968$680$471$321$103
31 years$1,292$915$634$432$291$89
32 years$1,238$865$592$397$263$77
33 years$1,187$820$553$365$238$66
34 years$1,140$777$516$336$215$57
35 years$1,095$737$483$309$195$50
36 years$1,053$699$452$285$177$43
37 years$1,013$664$423$263$160$37
38 years$976$631$396$242$145$32
39 years$940$600$371$223$132$28
40 years$906$571$348$206$119$24
41 years$874$544$326$190$108$21
42 years$844$518$306$175$98$18
43 years$815$493$287$162$89$15
44 years$788$470$269$149$81$13
45 years$762$448$253$138$74$11
46 years$737$428$237$127$67$10
47 years$713$408$223$118$61$9
48 years$690$390$210$109$55$7
49 years$668$372$197$101$50$6
50 years$647$355$185$93$45$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $663,000, adding $3,029 every year, while hoping to spend $43,484 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: 48/42/10 Blend
34$663,000$663,000$663,000$663,000
35$733,750$698,611$688,335$766,831
36$762,326$686,577$665,127$777,845
37$792,360$672,495$639,685$785,004
38$823,953$656,220$611,887$791,782
39$857,218$637,597$581,608$798,157
40$892,277$616,461$548,714$804,107
41$929,262$592,641$513,068$809,611
42$968,317$565,951$474,527$814,652
43$1,009,601$536,198$432,939$819,211
44$1,053,284$503,176$388,147$823,271
45$1,099,556$466,668$339,986$826,822
46$1,148,621$426,445$288,286$829,850
47$1,200,703$382,263$232,866$832,352
48$1,256,047$333,867$173,540$834,322
49$1,314,922$280,985$110,112$835,765
50$1,377,622$223,330$42,378$836,687
51$1,444,466$160,601$0$837,105
52$1,515,809$92,477$0$840,231
53$1,592,034$18,621$0$847,939
54$1,673,565$0$0$855,768
55$1,760,865$0$0$892,141
56$1,854,443$0$0$940,402
57$1,954,856$0$0$992,240
58$2,062,715$0$0$1,047,977
59$2,178,693$0$0$1,107,966
60$2,303,526$0$0$1,172,597
61$2,438,025$0$0$1,242,296
62$2,583,077$0$0$1,317,533
63$2,739,661$0$0$1,398,822
64$2,908,850$0$0$1,486,730
65$3,091,822$0$0$1,581,879
66$3,289,875$0$0$1,684,954
67$3,504,435$0$0$1,796,706
68$3,737,067$0$0$1,917,964
69$3,989,497$0$0$2,049,637
70$4,263,618$0$0$2,192,726
71$4,561,516$0$0$2,348,332
72$4,885,485$0$0$2,517,665
73$5,238,047$0$0$2,702,060
74$5,621,980$0$0$2,902,982
75$6,040,337$0$0$3,122,046
76$6,496,482$0$0$3,361,027
77$6,994,115$0$0$3,621,881
78$7,537,308$0$0$3,906,761
79$8,130,546$0$0$4,218,034
80$8,778,764$0$0$4,558,310
81$9,487,395$0$0$4,930,461
82$10,262,422$0$0$5,337,647
83$11,110,432$0$0$5,783,352
84$12,038,678$0$0$6,271,408
85$13,055,148$0$0$6,806,038
86$14,168,636$0$0$7,391,890
87$15,388,828$0$0$8,034,087
88$16,726,393$0$0$8,738,266
89$18,193,078$0$0$9,510,640
90$19,801,823$0$0$10,358,050
91$21,566,881$0$0$11,288,031
92$23,503,952$0$0$12,308,884
93$25,630,327$0$0$13,429,753
94$27,965,055$0$0$14,660,709
95$30,529,119$0$0$16,012,848
96$33,345,634$0$0$17,498,393
97$36,440,063$0$0$19,130,809
98$39,840,459$0$0$20,924,930
99$43,577,726$0$0$22,897,099
100$47,685,911$0$0$25,065,320