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%19.7%
1 years$54,915$54,426$53,949$53,483$53,028$50,964
2 years$27,186$26,679$26,189$25,713$25,251$23,197
3 years$17,944$17,435$16,946$16,475$16,021$14,041
4 years$13,324$12,817$12,332$11,869$11,426$9,535
5 years$10,552$10,049$9,570$9,117$8,686$6,889
6 years$8,705$8,205$7,734$7,291$6,873$5,171
7 years$7,387$6,891$6,427$5,994$5,589$3,983
8 years$6,398$5,907$5,451$5,028$4,637$3,123
9 years$5,630$5,143$4,695$4,283$3,905$2,482
10 years$5,015$4,533$4,093$3,692$3,327$1,993
11 years$4,513$4,036$3,603$3,213$2,862$1,612
12 years$4,094$3,622$3,198$2,818$2,480$1,312
13 years$3,741$3,273$2,857$2,488$2,162$1,073
14 years$3,438$2,975$2,567$2,209$1,896$881
15 years$3,175$2,718$2,318$1,970$1,669$725
16 years$2,946$2,494$2,101$1,764$1,475$599
17 years$2,744$2,297$1,912$1,585$1,308$496
18 years$2,565$2,122$1,746$1,428$1,163$411
19 years$2,404$1,967$1,598$1,290$1,037$341
20 years$2,260$1,828$1,467$1,169$926$283
21 years$2,130$1,702$1,349$1,061$829$235
22 years$2,012$1,589$1,243$964$743$196
23 years$1,904$1,486$1,148$878$667$163
24 years$1,805$1,393$1,062$801$599$136
25 years$1,714$1,307$983$732$539$113
26 years$1,631$1,228$912$669$486$94
27 years$1,554$1,156$847$612$438$79
28 years$1,482$1,089$787$561$395$66
29 years$1,416$1,028$733$514$357$55
30 years$1,354$970$682$472$322$46
31 years$1,296$917$636$434$291$38
32 years$1,242$868$594$398$264$32
33 years$1,191$822$554$366$239$27
34 years$1,143$779$518$337$216$22
35 years$1,098$739$484$310$196$19
36 years$1,056$701$453$286$177$16
37 years$1,016$666$424$263$161$13
38 years$979$633$397$243$146$11
39 years$943$602$372$224$132$9
40 years$909$573$349$206$120$8
41 years$877$545$327$190$109$6
42 years$847$519$307$176$99$5
43 years$818$495$288$162$90$4
44 years$790$472$270$150$81$4
45 years$764$450$254$138$74$3
46 years$739$429$238$128$67$3
47 years$715$409$224$118$61$2
48 years$692$391$210$109$55$2
49 years$670$373$198$101$50$1
50 years$649$357$186$93$46$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $665,000, adding $3,657 every year, while hoping to spend $28,710 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: 52/26/22 Blend
34$665,000$665,000$665,000$665,000
35$736,602$701,357$691,050$770,239
36$781,188$705,176$683,653$797,659
37$829,360$708,221$675,046$824,207
38$881,453$710,421$665,158$852,483
39$937,835$711,706$653,915$882,661
40$998,913$711,998$641,239$914,935
41$1,065,130$711,215$627,049$949,521
42$1,136,979$709,269$611,260$986,654
43$1,214,997$706,070$593,784$1,026,600
44$1,299,777$701,518$574,526$1,069,650
45$1,391,972$695,509$553,390$1,116,127
46$1,492,298$687,935$530,274$1,166,389
47$1,601,546$678,677$505,071$1,220,833
48$1,720,583$667,612$477,671$1,279,897
49$1,850,366$654,608$447,956$1,344,068
50$1,991,947$639,528$415,807$1,413,882
51$2,146,484$622,223$381,094$1,489,934
52$2,315,251$602,537$343,687$1,572,882
53$2,499,652$580,307$303,446$1,663,454
54$2,701,232$555,357$260,226$1,762,455
55$2,921,691$527,503$213,878$1,870,775
56$3,162,903$496,550$164,241$1,989,397
57$3,426,929$462,291$111,153$2,119,411
58$3,716,039$424,507$54,441$2,262,018
59$4,032,736$382,968$0$2,418,549
60$4,379,772$337,430$0$2,591,898
61$4,760,179$287,636$0$2,795,994
62$5,177,300$233,312$0$3,019,882
63$5,634,811$174,171$0$3,265,591
64$6,136,765$109,908$0$3,535,362
65$6,687,625$40,204$0$3,831,662
66$7,292,308$0$0$4,157,217
67$7,956,229$0$0$4,525,126
68$8,685,353$0$0$4,941,868
69$9,486,252$0$0$5,399,707
70$10,366,165$0$0$5,902,789
71$11,333,066$0$0$6,455,683
72$12,395,743$0$0$7,063,423
73$13,563,873$0$0$7,731,554
74$14,848,122$0$0$8,466,185
75$16,260,237$0$0$9,274,048
76$17,813,163$0$0$10,162,560
77$19,521,160$0$0$11,139,890
78$21,399,940$0$0$12,215,041
79$23,466,817$0$0$13,397,933
80$25,740,863$0$0$14,699,493
81$28,243,096$0$0$16,131,765
82$30,996,672$0$0$17,708,015
83$34,027,105$0$0$19,442,863
84$37,362,508$0$0$21,352,418
85$41,033,858$0$0$23,454,428
86$45,075,288$0$0$25,768,451
87$49,524,408$0$0$28,316,037
88$54,422,657$0$0$31,120,932
89$59,815,701$0$0$34,209,301
90$65,753,857$0$0$37,609,976
91$72,292,568$0$0$41,354,726
92$79,492,931$0$0$45,478,560
93$87,422,265$0$0$50,020,053
94$96,154,755$0$0$55,021,712
95$105,772,145$0$0$60,530,379
96$116,364,511$0$0$66,597,667
97$128,031,112$0$0$73,280,455
98$140,881,325$0$0$80,641,417
99$155,035,677$0$0$88,749,616
100$170,626,984$0$0$97,681,160