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%13.2%
1 years$54,832$54,344$53,868$53,402$52,948$52,243
2 years$27,145$26,639$26,149$25,674$25,213$24,504
3 years$17,917$17,409$16,920$16,450$15,996$15,305
4 years$13,304$12,797$12,314$11,851$11,409$10,741
5 years$10,537$10,033$9,556$9,103$8,673$8,030
6 years$8,692$8,193$7,723$7,280$6,862$6,246
7 years$7,376$6,880$6,418$5,985$5,581$4,990
8 years$6,389$5,898$5,443$5,021$4,630$4,065
9 years$5,621$5,135$4,688$4,276$3,899$3,360
10 years$5,008$4,526$4,087$3,686$3,322$2,809
11 years$4,506$4,030$3,598$3,208$2,857$2,369
12 years$4,088$3,617$3,193$2,814$2,476$2,012
13 years$3,735$3,268$2,853$2,484$2,159$1,719
14 years$3,433$2,971$2,563$2,205$1,893$1,476
15 years$3,171$2,714$2,314$1,967$1,666$1,272
16 years$2,942$2,490$2,098$1,761$1,473$1,100
17 years$2,740$2,293$1,909$1,582$1,306$954
18 years$2,561$2,119$1,743$1,426$1,161$829
19 years$2,401$1,964$1,596$1,288$1,035$722
20 years$2,257$1,825$1,464$1,167$924$630
21 years$2,127$1,700$1,347$1,059$827$551
22 years$2,009$1,587$1,241$963$742$482
23 years$1,901$1,484$1,146$877$666$423
24 years$1,802$1,390$1,060$800$598$371
25 years$1,712$1,305$982$730$538$325
26 years$1,628$1,226$911$668$485$286
27 years$1,551$1,154$846$611$437$251
28 years$1,480$1,088$786$560$395$221
29 years$1,413$1,026$732$514$356$195
30 years$1,352$969$681$471$322$171
31 years$1,294$916$635$433$291$151
32 years$1,240$867$593$398$263$133
33 years$1,189$821$553$366$238$117
34 years$1,142$778$517$337$216$103
35 years$1,097$738$483$310$195$91
36 years$1,055$700$452$285$177$80
37 years$1,015$665$423$263$160$71
38 years$977$632$396$242$145$63
39 years$942$601$371$223$132$55
40 years$908$572$348$206$120$49
41 years$876$544$326$190$109$43
42 years$845$518$306$176$98$38
43 years$816$494$287$162$89$34
44 years$789$471$270$150$81$30
45 years$763$449$253$138$74$26
46 years$738$428$238$128$67$23
47 years$714$409$223$118$61$20
48 years$691$390$210$109$55$18
49 years$669$373$197$101$50$16
50 years$648$356$186$93$45$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $664,000, adding $5,249 every year, while hoping to spend $36,412 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: 80/10/10 Blend
34$664,000$664,000$664,000$664,000
35$737,142$701,950$691,658$794,496
36$773,589$697,604$676,087$828,529
37$812,532$691,824$658,773$860,576
38$854,189$684,502$639,621$894,666
39$898,797$675,523$618,528$930,987
40$946,615$664,764$595,390$969,744
41$997,929$652,097$570,095$1,011,164
42$1,053,052$637,384$542,527$1,055,496
43$1,112,328$620,480$512,566$1,103,015
44$1,176,133$601,232$480,085$1,154,026
45$1,244,883$579,476$444,952$1,208,863
46$1,319,031$555,041$407,029$1,267,895
47$1,399,079$527,745$366,171$1,331,529
48$1,485,575$497,394$322,227$1,400,212
49$1,579,123$463,786$275,041$1,474,441
50$1,680,387$426,704$224,448$1,554,761
51$1,790,095$385,922$170,276$1,641,772
52$1,909,051$341,198$112,346$1,736,139
53$2,038,135$292,278$50,471$1,838,594
54$2,178,319$238,893$0$1,949,943
55$2,330,668$180,760$0$2,072,736
56$2,496,357$117,578$0$2,212,150
57$2,676,678$49,031$0$2,363,899
58$2,873,050$0$0$2,529,201
59$3,087,037$0$0$2,712,171
60$3,320,361$0$0$2,917,575
61$3,574,915$0$0$3,141,685
62$3,852,784$0$0$3,386,341
63$4,156,262$0$0$3,653,563
64$4,487,875$0$0$3,945,580
65$4,850,405$0$0$4,264,841
66$5,246,913$0$0$4,614,047
67$5,680,770$0$0$4,996,169
68$6,155,689$0$0$5,414,480
69$6,675,757$0$0$5,872,582
70$7,245,476$0$0$6,374,444
71$7,869,803$0$0$6,924,436
72$8,554,198$0$0$7,527,371
73$9,304,674$0$0$8,188,550
74$10,127,855$0$0$8,913,810
75$11,031,033$0$0$9,709,583
76$12,022,246$0$0$10,582,952
77$13,110,342$0$0$11,541,718
78$14,305,072$0$0$12,594,477
79$15,617,175$0$0$13,750,695
80$17,058,482$0$0$15,020,803
81$18,642,025$0$0$16,416,289
82$20,382,162$0$0$17,949,810
83$22,294,710$0$0$19,635,311
84$24,397,096$0$0$21,488,154
85$26,708,518$0$0$23,525,263
86$29,250,126$0$0$25,765,284
87$32,045,224$0$0$28,228,762
88$35,119,488$0$0$30,938,330
89$38,501,204$0$0$33,918,926
90$42,221,541$0$0$37,198,027
91$46,314,838$0$0$40,805,907
92$50,818,933$0$0$44,775,921
93$55,775,515$0$0$49,144,823
94$61,230,519$0$0$53,953,108
95$67,234,559$0$0$59,245,397
96$73,843,405$0$0$65,070,855
97$81,118,508$0$0$71,483,656
98$89,127,577$0$0$78,543,494
99$97,945,224$0$0$86,316,143
100$107,653,660$0$0$94,874,080