Can I retire at age 35 with 664,000?

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 $664,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$54,832$54,344$53,868$53,402$52,948$52,265
2 years$27,145$26,639$26,149$25,674$25,213$24,526
3 years$17,917$17,409$16,920$16,450$15,996$15,326
4 years$13,304$12,797$12,314$11,851$11,409$10,761
5 years$10,537$10,033$9,556$9,103$8,673$8,049
6 years$8,692$8,193$7,723$7,280$6,862$6,264
7 years$7,376$6,880$6,418$5,985$5,581$5,008
8 years$6,389$5,898$5,443$5,021$4,630$4,082
9 years$5,621$5,135$4,688$4,276$3,899$3,376
10 years$5,008$4,526$4,087$3,686$3,322$2,824
11 years$4,506$4,030$3,598$3,208$2,857$2,383
12 years$4,088$3,617$3,193$2,814$2,476$2,025
13 years$3,735$3,268$2,853$2,484$2,159$1,731
14 years$3,433$2,971$2,563$2,205$1,893$1,487
15 years$3,171$2,714$2,314$1,967$1,666$1,283
16 years$2,942$2,490$2,098$1,761$1,473$1,110
17 years$2,740$2,293$1,909$1,582$1,306$963
18 years$2,561$2,119$1,743$1,426$1,161$838
19 years$2,401$1,964$1,596$1,288$1,035$731
20 years$2,257$1,825$1,464$1,167$924$638
21 years$2,127$1,700$1,347$1,059$827$558
22 years$2,009$1,587$1,241$963$742$489
23 years$1,901$1,484$1,146$877$666$429
24 years$1,802$1,390$1,060$800$598$376
25 years$1,712$1,305$982$730$538$331
26 years$1,628$1,226$911$668$485$291
27 years$1,551$1,154$846$611$437$256
28 years$1,480$1,088$786$560$395$225
29 years$1,413$1,026$732$514$356$198
30 years$1,352$969$681$471$322$175
31 years$1,294$916$635$433$291$154
32 years$1,240$867$593$398$263$136
33 years$1,189$821$553$366$238$120
34 years$1,142$778$517$337$216$106
35 years$1,097$738$483$310$195$93
36 years$1,055$700$452$285$177$82
37 years$1,015$665$423$263$160$73
38 years$977$632$396$242$145$64
39 years$942$601$371$223$132$57
40 years$908$572$348$206$120$50
41 years$876$544$326$190$109$44
42 years$845$518$306$176$98$39
43 years$816$494$287$162$89$35
44 years$789$471$270$150$81$31
45 years$763$449$253$138$74$27
46 years$738$428$238$128$67$24
47 years$714$409$223$118$61$21
48 years$691$390$210$109$55$19
49 years$669$373$197$101$50$16
50 years$648$356$186$93$45$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $664,000, adding $6,081 every year, while hoping to spend $52,509 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: 44/49/7 Blend
34$664,000$664,000$664,000$664,000
35$738,001$702,809$692,517$768,746
36$757,407$681,377$659,847$769,203
37$777,034$657,135$624,323$763,814
38$796,847$629,891$585,793$756,759
39$816,809$599,438$544,100$747,902
40$836,875$565,563$499,079$737,100
41$856,995$528,035$450,558$724,198
42$877,113$486,612$398,356$709,031
43$897,163$441,041$342,285$691,423
44$917,072$391,050$282,149$671,186
45$936,755$336,354$217,744$648,117
46$956,120$276,651$148,854$622,001
47$975,060$211,623$75,257$592,606
48$993,457$140,933$0$559,685
49$1,011,177$64,226$0$523,220
50$1,028,071$0$0$488,694
51$1,043,971$0$0$460,374
52$1,058,690$0$0$466,067
53$1,072,020$0$0$471,042
54$1,083,728$0$0$475,183
55$1,093,555$0$0$478,364
56$1,101,212$0$0$480,442
57$1,106,377$0$0$481,261
58$1,108,694$0$0$480,645
59$1,107,765$0$0$478,401
60$1,103,150$0$0$474,313
61$1,094,359$0$0$468,143
62$1,080,851$0$0$459,624
63$1,062,023$0$0$448,465
64$1,037,208$0$0$434,338
65$1,005,669$0$0$416,885
66$966,587$0$0$395,706
67$919,055$0$0$370,361
68$862,073$0$0$340,360
69$794,531$0$0$305,165
70$715,202$0$0$264,177
71$622,730$0$0$216,737
72$515,615$0$0$162,115
73$392,199$0$0$99,504
74$250,650$0$0$28,014
75$88,945$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0