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%18.1%
1 years$54,915$54,426$53,949$53,483$53,028$51,290
2 years$27,186$26,679$26,189$25,713$25,251$23,517
3 years$17,944$17,435$16,946$16,475$16,021$14,344
4 years$13,324$12,817$12,332$11,869$11,426$9,820
5 years$10,552$10,049$9,570$9,117$8,686$7,155
6 years$8,705$8,205$7,734$7,291$6,873$5,418
7 years$7,387$6,891$6,427$5,994$5,589$4,211
8 years$6,398$5,907$5,451$5,028$4,637$3,334
9 years$5,630$5,143$4,695$4,283$3,905$2,676
10 years$5,015$4,533$4,093$3,692$3,327$2,170
11 years$4,513$4,036$3,603$3,213$2,862$1,774
12 years$4,094$3,622$3,198$2,818$2,480$1,459
13 years$3,741$3,273$2,857$2,488$2,162$1,206
14 years$3,438$2,975$2,567$2,209$1,896$1,002
15 years$3,175$2,718$2,318$1,970$1,669$834
16 years$2,946$2,494$2,101$1,764$1,475$697
17 years$2,744$2,297$1,912$1,585$1,308$583
18 years$2,565$2,122$1,746$1,428$1,163$489
19 years$2,404$1,967$1,598$1,290$1,037$411
20 years$2,260$1,828$1,467$1,169$926$346
21 years$2,130$1,702$1,349$1,061$829$291
22 years$2,012$1,589$1,243$964$743$245
23 years$1,904$1,486$1,148$878$667$207
24 years$1,805$1,393$1,062$801$599$175
25 years$1,714$1,307$983$732$539$147
26 years$1,631$1,228$912$669$486$124
27 years$1,554$1,156$847$612$438$105
28 years$1,482$1,089$787$561$395$89
29 years$1,416$1,028$733$514$357$75
30 years$1,354$970$682$472$322$64
31 years$1,296$917$636$434$291$54
32 years$1,242$868$594$398$264$45
33 years$1,191$822$554$366$239$38
34 years$1,143$779$518$337$216$33
35 years$1,098$739$484$310$196$28
36 years$1,056$701$453$286$177$23
37 years$1,016$666$424$263$161$20
38 years$979$633$397$243$146$17
39 years$943$602$372$224$132$14
40 years$909$573$349$206$120$12
41 years$877$545$327$190$109$10
42 years$847$519$307$176$99$9
43 years$818$495$288$162$90$7
44 years$790$472$270$150$81$6
45 years$764$450$254$138$74$5
46 years$739$429$238$128$67$4
47 years$715$409$224$118$61$4
48 years$692$391$210$109$55$3
49 years$670$373$198$101$50$3
50 years$649$357$186$93$46$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $665,000, adding $4,968 every year, while hoping to spend $32,030 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: 64/10/26 Blend
34$665,000$665,000$665,000$665,000
35$737,954$702,709$692,402$779,830
36$779,146$703,063$681,518$809,087
37$823,466$702,359$669,195$837,044
38$871,199$700,515$655,353$866,884
39$922,659$697,437$639,905$898,793
40$978,189$693,031$622,761$932,982
41$1,038,168$687,193$603,827$969,679
42$1,103,011$679,816$583,005$1,009,142
43$1,173,175$670,784$560,193$1,051,652
44$1,249,163$659,975$535,283$1,097,522
45$1,331,525$647,262$508,162$1,147,098
46$1,420,869$632,506$478,714$1,200,762
47$1,517,862$615,563$446,816$1,258,936
48$1,623,238$596,281$412,339$1,322,088
49$1,737,806$574,495$375,149$1,390,734
50$1,862,452$550,036$335,107$1,465,446
51$1,998,156$522,721$292,066$1,546,855
52$2,145,992$492,358$245,874$1,635,658
53$2,307,143$458,744$196,372$1,732,626
54$2,482,914$421,665$143,392$1,838,611
55$2,674,737$380,892$86,761$1,954,554
56$2,884,190$336,186$26,298$2,081,493
57$3,113,012$287,294$0$2,220,578
58$3,363,115$233,946$0$2,383,680
59$3,636,604$175,861$0$2,570,070
60$3,935,798$112,739$0$2,774,048
61$4,263,250$44,264$0$2,997,382
62$4,621,772$0$0$3,242,018
63$5,014,458$0$0$3,513,393
64$5,444,718$0$0$3,816,115
65$5,916,307$0$0$4,147,963
66$6,433,359$0$0$4,511,852
67$7,000,428$0$0$4,910,992
68$7,622,530$0$0$5,348,921
69$8,305,190$0$0$5,829,534
70$9,054,495$0$0$6,357,123
71$9,877,147$0$0$6,936,415
72$10,780,531$0$0$7,572,617
73$11,772,782$0$0$8,271,465
74$12,862,860$0$0$9,039,279
75$14,060,638$0$0$9,883,019
76$15,376,990$0$0$10,810,356
77$16,823,899$0$0$11,829,738
78$18,414,564$0$0$12,950,474
79$20,163,528$0$0$14,182,819
80$22,086,812$0$0$15,538,072
81$24,202,069$0$0$17,028,682
82$26,528,748$0$0$18,668,365
83$29,088,277$0$0$20,472,233
84$31,904,267$0$0$22,456,935
85$35,002,731$0$0$24,640,817
86$38,412,332$0$0$27,044,094
87$42,164,650$0$0$29,689,037
88$46,294,484$0$0$32,600,188
89$50,840,175$0$0$35,804,586
90$55,843,973$0$0$39,332,027
91$61,352,428$0$0$43,215,342
92$67,416,834$0$0$47,490,705
93$74,093,714$0$0$52,197,978
94$81,445,347$0$0$57,381,084
95$89,540,360$0$0$63,088,423
96$98,454,373$0$0$69,373,326
97$108,270,714$0$0$76,294,561
98$119,081,203$0$0$83,916,884
99$130,987,017$0$0$92,311,653
100$144,099,651$0$0$101,557,498