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%19.3%
1 years$54,832$54,344$53,868$53,402$52,948$50,968
2 years$27,145$26,639$26,149$25,674$25,213$23,241
3 years$17,917$17,409$16,920$16,450$15,996$14,094
4 years$13,304$12,797$12,314$11,851$11,409$9,591
5 years$10,537$10,033$9,556$9,103$8,673$6,944
6 years$8,692$8,193$7,723$7,280$6,862$5,224
7 years$7,376$6,880$6,418$5,985$5,581$4,032
8 years$6,389$5,898$5,443$5,021$4,630$3,170
9 years$5,621$5,135$4,688$4,276$3,899$2,525
10 years$5,008$4,526$4,087$3,686$3,322$2,032
11 years$4,506$4,030$3,598$3,208$2,857$1,649
12 years$4,088$3,617$3,193$2,814$2,476$1,345
13 years$3,735$3,268$2,853$2,484$2,159$1,103
14 years$3,433$2,971$2,563$2,205$1,893$908
15 years$3,171$2,714$2,314$1,967$1,666$750
16 years$2,942$2,490$2,098$1,761$1,473$621
17 years$2,740$2,293$1,909$1,582$1,306$515
18 years$2,561$2,119$1,743$1,426$1,161$428
19 years$2,401$1,964$1,596$1,288$1,035$357
20 years$2,257$1,825$1,464$1,167$924$297
21 years$2,127$1,700$1,347$1,059$827$248
22 years$2,009$1,587$1,241$963$742$207
23 years$1,901$1,484$1,146$877$666$173
24 years$1,802$1,390$1,060$800$598$144
25 years$1,712$1,305$982$730$538$121
26 years$1,628$1,226$911$668$485$101
27 years$1,551$1,154$846$611$437$85
28 years$1,480$1,088$786$560$395$71
29 years$1,413$1,026$732$514$356$59
30 years$1,352$969$681$471$322$50
31 years$1,294$916$635$433$291$42
32 years$1,240$867$593$398$263$35
33 years$1,189$821$553$366$238$29
34 years$1,142$778$517$337$216$24
35 years$1,097$738$483$310$195$20
36 years$1,055$700$452$285$177$17
37 years$1,015$665$423$263$160$14
38 years$977$632$396$242$145$12
39 years$942$601$371$223$132$10
40 years$908$572$348$206$120$8
41 years$876$544$326$190$109$7
42 years$845$518$306$176$98$6
43 years$816$494$287$162$89$5
44 years$789$471$270$150$81$4
45 years$763$449$253$138$74$4
46 years$738$428$238$128$67$3
47 years$714$409$223$118$61$2
48 years$691$390$210$109$55$2
49 years$669$373$197$101$50$2
50 years$648$356$186$93$45$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $664,000, adding $3,848 every year, while hoping to spend $21,497 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: 74/8/18 Blend
34$664,000$664,000$664,000$664,000
35$735,697$700,505$690,213$786,794
36$787,866$711,957$690,463$832,637
37$844,635$723,250$690,000$879,854
38$906,451$734,353$688,779$931,032
39$973,806$745,233$686,750$986,560
40$1,047,241$755,856$683,862$1,046,867
41$1,127,350$766,184$680,063$1,112,424
42$1,214,789$776,176$675,294$1,183,752
43$1,310,279$785,790$669,498$1,261,425
44$1,414,614$794,980$662,612$1,346,074
45$1,528,668$803,697$654,573$1,438,398
46$1,653,402$811,889$645,311$1,539,162
47$1,789,878$819,500$634,757$1,649,214
48$1,939,260$826,470$622,836$1,769,486
49$2,102,833$832,736$609,471$1,901,006
50$2,282,013$838,231$594,579$2,044,907
51$2,478,358$842,883$578,076$2,202,437
52$2,693,581$846,616$559,873$2,374,973
53$2,929,575$849,348$539,877$2,564,031
54$3,188,419$850,994$517,990$2,771,284
55$3,472,406$851,461$494,111$2,998,574
56$3,784,061$850,652$468,133$3,247,933
57$4,126,165$848,463$439,946$3,521,599
58$4,501,781$844,786$409,432$3,822,039
59$4,914,285$839,503$376,470$4,151,975
60$5,367,394$832,490$340,934$4,514,403
61$5,865,204$823,618$302,690$4,912,627
62$6,412,226$812,746$261,601$5,350,290
63$7,013,430$799,728$217,522$5,831,405
64$7,674,293$784,407$170,302$6,360,397
65$8,400,846$766,619$119,783$6,942,143
66$9,199,737$746,188$65,800$7,582,017
67$10,078,288$722,929$8,182$8,285,943
68$11,044,567$696,646$0$9,060,451
69$12,107,462$667,131$0$9,922,976
70$13,276,768$634,165$0$10,873,553
71$14,563,275$597,515$0$11,919,390
72$15,978,872$556,937$0$13,070,161
73$17,536,660$512,170$0$14,336,528
74$19,251,072$462,939$0$15,730,237
75$21,138,013$408,954$0$17,264,234
76$23,215,007$349,910$0$18,952,783
77$25,501,363$285,481$0$20,811,603
78$28,018,358$215,325$0$22,858,016
79$30,789,436$139,081$0$25,111,109
80$33,840,430$56,367$0$27,591,917
81$37,199,804$0$0$30,323,618
82$40,898,927$0$0$33,334,680
83$44,972,359$0$0$36,655,928
84$49,458,186$0$0$40,313,459
85$54,398,374$0$0$44,341,495
86$59,839,169$0$0$48,777,747
87$65,831,528$0$0$53,663,769
88$72,431,603$0$0$59,045,352
89$79,701,272$0$0$64,972,954
90$87,708,718$0$0$71,502,179
91$96,529,079$0$0$78,694,297
92$106,245,150$0$0$86,616,827
93$116,948,168$0$0$95,344,169
94$128,738,674$0$0$104,958,312
95$141,727,458$0$0$115,549,602
96$156,036,607$0$0$127,217,598
97$171,800,657$0$0$140,072,011
98$189,167,862$0$0$154,233,737
99$208,301,593$0$0$169,836,003
100$229,381,881$0$0$187,025,619