Can I retire at age 35 with 665,000?

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 $665,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$54,915$54,426$53,949$53,483$53,028$51,767
2 years$27,186$26,679$26,189$25,713$25,251$23,988
3 years$17,944$17,435$16,946$16,475$16,021$14,795
4 years$13,324$12,817$12,332$11,869$11,426$10,247
5 years$10,552$10,049$9,570$9,117$8,686$7,557
6 years$8,705$8,205$7,734$7,291$6,873$5,796
7 years$7,387$6,891$6,427$5,994$5,589$4,564
8 years$6,398$5,907$5,451$5,028$4,637$3,662
9 years$5,630$5,143$4,695$4,283$3,905$2,980
10 years$5,015$4,533$4,093$3,692$3,327$2,452
11 years$4,513$4,036$3,603$3,213$2,862$2,034
12 years$4,094$3,622$3,198$2,818$2,480$1,699
13 years$3,741$3,273$2,857$2,488$2,162$1,427
14 years$3,438$2,975$2,567$2,209$1,896$1,203
15 years$3,175$2,718$2,318$1,970$1,669$1,019
16 years$2,946$2,494$2,101$1,764$1,475$865
17 years$2,744$2,297$1,912$1,585$1,308$736
18 years$2,565$2,122$1,746$1,428$1,163$628
19 years$2,404$1,967$1,598$1,290$1,037$537
20 years$2,260$1,828$1,467$1,169$926$459
21 years$2,130$1,702$1,349$1,061$829$394
22 years$2,012$1,589$1,243$964$743$338
23 years$1,904$1,486$1,148$878$667$290
24 years$1,805$1,393$1,062$801$599$249
25 years$1,714$1,307$983$732$539$214
26 years$1,631$1,228$912$669$486$184
27 years$1,554$1,156$847$612$438$159
28 years$1,482$1,089$787$561$395$137
29 years$1,416$1,028$733$514$357$118
30 years$1,354$970$682$472$322$102
31 years$1,296$917$636$434$291$88
32 years$1,242$868$594$398$264$76
33 years$1,191$822$554$366$239$65
34 years$1,143$779$518$337$216$56
35 years$1,098$739$484$310$196$48
36 years$1,056$701$453$286$177$42
37 years$1,016$666$424$263$161$36
38 years$979$633$397$243$146$31
39 years$943$602$372$224$132$27
40 years$909$573$349$206$120$23
41 years$877$545$327$190$109$20
42 years$847$519$307$176$99$17
43 years$818$495$288$162$90$15
44 years$790$472$270$150$81$13
45 years$764$450$254$138$74$11
46 years$739$429$238$128$67$10
47 years$715$409$224$118$61$8
48 years$692$391$210$109$55$7
49 years$670$373$198$101$50$6
50 years$649$357$186$93$46$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $665,000, adding $5,505 every year, while hoping to spend $39,999 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: 33/45/22 Blend
34$665,000$665,000$665,000$665,000
35$738,508$703,263$692,956$757,741
36$771,278$695,165$673,611$764,479
37$806,049$685,329$652,278$767,715
38$842,984$673,628$628,847$770,383
39$882,260$659,927$603,205$772,458
40$924,070$644,084$575,233$773,917
41$968,628$625,946$544,806$774,737
42$1,016,165$605,355$511,794$774,897
43$1,066,936$582,139$476,061$774,379
44$1,121,221$556,121$437,466$773,167
45$1,179,324$527,110$395,860$771,251
46$1,241,581$494,904$351,087$768,620
47$1,308,361$459,293$302,987$765,274
48$1,380,066$420,051$251,390$761,213
49$1,457,140$376,941$196,119$756,448
50$1,540,070$329,712$136,990$750,994
51$1,629,389$278,100$73,811$744,878
52$1,725,684$221,824$6,381$738,134
53$1,829,599$160,588$0$730,811
54$1,941,841$94,081$0$738,362
55$2,063,190$21,972$0$748,068
56$2,194,500$0$0$758,575
57$2,336,711$0$0$797,825
58$2,490,855$0$0$852,245
59$2,658,071$0$0$911,367
60$2,839,606$0$0$975,643
61$3,036,836$0$0$1,045,572
62$3,251,272$0$0$1,121,701
63$3,484,579$0$0$1,204,635
64$3,738,585$0$0$1,295,036
65$4,015,305$0$0$1,393,635
66$4,316,956$0$0$1,501,236
67$4,645,975$0$0$1,618,724
68$5,005,049$0$0$1,747,074
69$5,397,131$0$0$1,887,357
70$5,825,475$0$0$2,040,755
71$6,293,661$0$0$2,208,567
72$6,805,634$0$0$2,392,225
73$7,365,733$0$0$2,593,305
74$7,978,739$0$0$2,813,543
75$8,649,915$0$0$3,054,851
76$9,385,058$0$0$3,319,333
77$10,190,549$0$0$3,609,309
78$11,073,420$0$0$3,927,331
79$12,041,412$0$0$4,276,213
80$13,103,052$0$0$4,659,052
81$14,267,732$0$0$5,079,260
82$15,545,796$0$0$5,540,597
83$16,948,640$0$0$6,047,202
84$18,488,814$0$0$6,603,637
85$20,180,146$0$0$7,214,927
86$22,037,867$0$0$7,886,606
87$24,078,754$0$0$8,624,773
88$26,321,292$0$0$9,436,146
89$28,785,843$0$0$10,328,125
90$31,494,842$0$0$11,308,865
91$34,473,004$0$0$12,387,350
92$37,747,557$0$0$13,573,477
93$41,348,501$0$0$14,878,152
94$45,308,888$0$0$16,313,389
95$49,665,135$0$0$17,892,427
96$54,457,362$0$0$19,629,852
97$59,729,778$0$0$21,541,734
98$65,531,090$0$0$23,645,782
99$71,914,966$0$0$25,961,506
100$78,940,537$0$0$28,510,406