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 $6,906 every year, while hoping to spend $46,707 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: 67/11/22 Blend
34$663,000$663,000$663,000$663,000
35$737,750$702,611$692,334$782,622
36$763,304$687,343$665,831$798,311
37$789,900$669,761$636,875$809,462
38$817,594$649,703$605,335$820,554
39$846,446$626,997$571,072$831,582
40$876,524$601,460$533,943$842,541
41$907,898$572,900$493,798$853,426
42$940,644$541,112$450,481$864,234
43$974,844$505,881$403,826$874,965
44$1,010,587$466,979$353,664$885,620
45$1,047,971$424,164$299,815$896,200
46$1,087,098$377,182$242,093$906,711
47$1,128,081$325,763$180,302$917,161
48$1,171,042$269,623$114,239$927,561
49$1,216,115$208,461$43,693$937,927
50$1,263,442$141,959$0$948,276
51$1,313,180$69,781$0$966,050
52$1,365,498$0$0$995,290
53$1,420,582$0$0$1,026,841
54$1,478,632$0$0$1,069,008
55$1,539,867$0$0$1,113,504
56$1,604,526$0$0$1,160,507
57$1,672,870$0$0$1,210,206
58$1,745,182$0$0$1,262,811
59$1,821,774$0$0$1,318,551
60$1,902,982$0$0$1,377,675
61$1,989,179$0$0$1,440,455
62$2,080,769$0$0$1,507,190
63$2,178,195$0$0$1,578,206
64$2,281,941$0$0$1,653,860
65$2,392,540$0$0$1,734,543
66$2,510,571$0$0$1,820,684
67$2,636,672$0$0$1,912,751
68$2,771,541$0$0$2,011,259
69$2,915,944$0$0$2,116,772
70$3,070,719$0$0$2,229,909
71$3,236,788$0$0$2,351,349
72$3,415,161$0$0$2,481,836
73$3,606,947$0$0$2,622,188
74$3,813,364$0$0$2,773,303
75$4,035,748$0$0$2,936,167
76$4,275,568$0$0$3,111,863
77$4,534,437$0$0$3,301,580
78$4,814,128$0$0$3,506,626
79$5,116,588$0$0$3,728,438
80$5,443,959$0$0$3,968,594
81$5,798,594$0$0$4,228,832
82$6,183,082$0$0$4,511,061
83$6,600,268$0$0$4,817,380
84$7,053,282$0$0$5,150,099
85$7,545,566$0$0$5,511,757
86$8,080,909$0$0$5,905,150
87$8,663,476$0$0$6,333,351
88$9,297,851$0$0$6,799,744
89$9,989,080$0$0$7,308,051
90$10,742,714$0$0$7,862,370
91$11,564,864$0$0$8,467,209
92$12,462,253$0$0$9,127,533
93$13,442,287$0$0$9,848,805
94$14,513,113$0$0$10,637,039
95$15,683,705$0$0$11,498,859
96$16,963,941$0$0$12,441,555
97$18,364,696$0$0$13,473,155
98$19,897,947$0$0$14,602,499
99$21,576,880$0$0$15,839,321
100$23,416,020$0$0$17,194,341