Can I retire at age 35 with 666,000?

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 $666,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$54,998$54,508$54,030$53,563$53,108$51,972
2 years$27,227$26,719$26,228$25,752$25,289$24,150
3 years$17,971$17,461$16,971$16,499$16,045$14,938
4 years$13,344$12,836$12,351$11,887$11,443$10,378
5 years$10,568$10,064$9,585$9,130$8,699$7,678
6 years$8,719$8,218$7,746$7,302$6,883$5,907
7 years$7,398$6,901$6,437$6,003$5,598$4,667
8 years$6,408$5,916$5,459$5,036$4,644$3,758
9 years$5,638$5,151$4,702$4,289$3,911$3,070
10 years$5,023$4,540$4,099$3,697$3,332$2,535
11 years$4,520$4,042$3,609$3,218$2,866$2,111
12 years$4,101$3,628$3,203$2,823$2,483$1,770
13 years$3,746$3,278$2,861$2,492$2,166$1,492
14 years$3,443$2,980$2,571$2,212$1,898$1,264
15 years$3,180$2,722$2,321$1,973$1,672$1,075
16 years$2,951$2,498$2,105$1,766$1,477$916
17 years$2,748$2,300$1,915$1,587$1,310$783
18 years$2,569$2,125$1,748$1,430$1,165$671
19 years$2,408$1,970$1,600$1,292$1,038$576
20 years$2,264$1,830$1,469$1,170$927$495
21 years$2,133$1,705$1,351$1,062$830$427
22 years$2,015$1,592$1,245$966$744$368
23 years$1,907$1,489$1,150$880$668$317
24 years$1,808$1,395$1,063$802$600$274
25 years$1,717$1,309$985$733$540$237
26 years$1,633$1,230$913$670$486$205
27 years$1,556$1,158$848$613$439$177
28 years$1,484$1,091$788$562$396$153
29 years$1,418$1,029$734$515$357$133
30 years$1,356$972$683$473$323$115
31 years$1,298$919$637$434$292$100
32 years$1,244$869$594$399$264$86
33 years$1,193$823$555$367$239$75
34 years$1,145$780$519$338$216$65
35 years$1,100$740$485$311$196$56
36 years$1,058$702$454$286$178$49
37 years$1,018$667$425$264$161$42
38 years$980$634$398$243$146$37
39 years$944$603$372$224$132$32
40 years$911$574$349$207$120$28
41 years$878$546$327$191$109$24
42 years$848$520$307$176$99$21
43 years$819$495$288$163$90$18
44 years$791$472$270$150$81$16
45 years$765$450$254$139$74$14
46 years$740$430$239$128$67$12
47 years$716$410$224$118$61$10
48 years$693$391$211$109$55$9
49 years$671$374$198$101$50$8
50 years$650$357$186$93$46$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $666,000, adding $5,081 every year, while hoping to spend $39,577 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: 78/17/5 Blend
34$666,000$666,000$666,000$666,000
35$739,173$703,875$693,552$796,256
36$772,459$696,255$674,676$826,774
37$807,814$686,936$653,842$854,543
38$845,407$675,791$630,941$883,808
39$885,422$662,689$605,862$914,698
40$928,064$647,490$578,487$947,357
41$973,553$630,044$548,693$981,941
42$1,022,134$610,194$516,353$1,018,627
43$1,074,072$587,773$481,331$1,057,606
44$1,129,659$562,607$443,487$1,099,090
45$1,189,217$534,506$402,676$1,143,316
46$1,253,095$503,276$358,745$1,190,541
47$1,321,681$468,706$311,532$1,241,052
48$1,395,396$430,577$260,873$1,295,164
49$1,474,706$388,655$206,592$1,353,227
50$1,560,121$342,693$148,507$1,415,626
51$1,652,200$292,432$86,429$1,482,786
52$1,751,559$237,596$20,159$1,555,177
53$1,858,874$177,894$0$1,633,317
54$1,974,887$113,019$0$1,720,477
55$2,100,416$42,647$0$1,815,915
56$2,236,358$0$0$1,919,265
57$2,383,699$0$0$2,037,590
58$2,543,525$0$0$2,174,612
59$2,717,029$0$0$2,323,381
60$2,905,523$0$0$2,485,023
61$3,110,452$0$0$2,660,779
62$3,333,403$0$0$2,852,014
63$3,576,124$0$0$3,060,230
64$3,840,538$0$0$3,287,079
65$4,128,761$0$0$3,534,381
66$4,443,122$0$0$3,804,135
67$4,786,185$0$0$4,098,546
68$5,160,771$0$0$4,420,038
69$5,569,987$0$0$4,771,281
70$6,017,251$0$0$5,155,212
71$6,506,328$0$0$5,575,069
72$7,041,364$0$0$6,034,413
73$7,626,922$0$0$6,537,166
74$8,268,028$0$0$7,087,649
75$8,970,217$0$0$7,690,617
76$9,739,583$0$0$8,351,308
77$10,582,838$0$0$9,075,492
78$11,507,374$0$0$9,869,522
79$12,521,332$0$0$10,740,395
80$13,633,682$0$0$11,695,819
81$14,854,298$0$0$12,744,283
82$16,194,063$0$0$13,895,139
83$17,664,958$0$0$15,158,686
84$19,280,187$0$0$16,546,272
85$21,054,292$0$0$18,070,396
86$23,003,292$0$0$19,744,827
87$25,144,836$0$0$21,584,734
88$27,498,366$0$0$23,606,829
89$30,085,303$0$0$25,829,522
90$32,929,244$0$0$28,273,095
91$36,056,186$0$0$30,959,896
92$39,494,774$0$0$33,914,542
93$43,276,564$0$0$37,164,160
94$47,436,327$0$0$40,738,635
95$52,012,371$0$0$44,670,893
96$57,046,903$0$0$48,997,215
97$62,586,430$0$0$53,757,573
98$68,682,192$0$0$58,996,011
99$75,390,648$0$0$64,761,057
100$82,774,007$0$0$71,106,182