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%11.1%
1 years$54,998$54,508$54,030$53,563$53,108$52,862
2 years$27,227$26,719$26,228$25,752$25,289$25,041
3 years$17,971$17,461$16,971$16,499$16,045$15,802
4 years$13,344$12,836$12,351$11,887$11,443$11,207
5 years$10,568$10,064$9,585$9,130$8,699$8,471
6 years$8,719$8,218$7,746$7,302$6,883$6,664
7 years$7,398$6,901$6,437$6,003$5,598$5,387
8 years$6,408$5,916$5,459$5,036$4,644$4,441
9 years$5,638$5,151$4,702$4,289$3,911$3,716
10 years$5,023$4,540$4,099$3,697$3,332$3,146
11 years$4,520$4,042$3,609$3,218$2,866$2,688
12 years$4,101$3,628$3,203$2,823$2,483$2,313
13 years$3,746$3,278$2,861$2,492$2,166$2,003
14 years$3,443$2,980$2,571$2,212$1,898$1,744
15 years$3,180$2,722$2,321$1,973$1,672$1,524
16 years$2,951$2,498$2,105$1,766$1,477$1,337
17 years$2,748$2,300$1,915$1,587$1,310$1,177
18 years$2,569$2,125$1,748$1,430$1,165$1,038
19 years$2,408$1,970$1,600$1,292$1,038$918
20 years$2,264$1,830$1,469$1,170$927$814
21 years$2,133$1,705$1,351$1,062$830$723
22 years$2,015$1,592$1,245$966$744$643
23 years$1,907$1,489$1,150$880$668$572
24 years$1,808$1,395$1,063$802$600$510
25 years$1,717$1,309$985$733$540$455
26 years$1,633$1,230$913$670$486$406
27 years$1,556$1,158$848$613$439$363
28 years$1,484$1,091$788$562$396$325
29 years$1,418$1,029$734$515$357$291
30 years$1,356$972$683$473$323$261
31 years$1,298$919$637$434$292$233
32 years$1,244$869$594$399$264$209
33 years$1,193$823$555$367$239$188
34 years$1,145$780$519$338$216$168
35 years$1,100$740$485$311$196$151
36 years$1,058$702$454$286$178$136
37 years$1,018$667$425$264$161$122
38 years$980$634$398$243$146$109
39 years$944$603$372$224$132$98
40 years$911$574$349$207$120$88
41 years$878$546$327$191$109$79
42 years$848$520$307$176$99$71
43 years$819$495$288$163$90$64
44 years$791$472$270$150$81$58
45 years$765$450$254$139$74$52
46 years$740$430$239$128$67$47
47 years$716$410$224$118$61$42
48 years$693$391$211$109$55$38
49 years$671$374$198$101$50$34
50 years$650$357$186$93$46$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $666,000, adding $2,899 every year, while hoping to spend $38,791 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: 66/24/10 Blend
34$666,000$666,000$666,000$666,000
35$736,922$701,624$691,301$783,819
36$770,815$694,731$673,187$808,511
37$806,865$686,199$653,165$830,620
38$845,250$675,908$631,131$853,782
39$886,168$663,730$606,977$878,093
40$929,833$649,528$580,586$903,666
41$976,479$633,158$551,839$930,622
42$1,026,365$614,468$520,611$959,098
43$1,079,774$593,297$486,770$989,244
44$1,137,015$569,472$450,181$1,021,230
45$1,198,428$542,814$410,700$1,055,243
46$1,264,387$513,131$368,177$1,091,490
47$1,335,300$480,220$322,457$1,130,202
48$1,411,618$443,869$273,377$1,171,636
49$1,493,834$403,849$220,766$1,216,077
50$1,582,491$359,923$164,448$1,263,839
51$1,678,184$311,838$104,235$1,315,275
52$1,781,566$259,326$39,935$1,370,772
53$1,893,359$202,106$0$1,430,763
54$2,014,352$139,879$0$1,498,785
55$2,145,414$72,331$0$1,577,056
56$2,287,500$0$0$1,661,920
57$2,441,662$0$0$1,754,283
58$2,609,054$0$0$1,875,351
59$2,790,949$0$0$2,006,945
60$2,988,744$0$0$2,150,082
61$3,203,976$0$0$2,305,879
62$3,438,340$0$0$2,475,566
63$3,693,697$0$0$2,660,498
64$3,972,096$0$0$2,862,165
65$4,275,794$0$0$3,082,206
66$4,607,273$0$0$3,322,426
67$4,969,267$0$0$3,584,812
68$5,364,784$0$0$3,871,552
69$5,797,135$0$0$4,185,054
70$6,269,969$0$0$4,527,968
71$6,787,300$0$0$4,903,216
72$7,353,549$0$0$5,314,010
73$7,973,585$0$0$5,763,892
74$8,652,768$0$0$6,256,759
75$9,397,004$0$0$6,796,904
76$10,212,793$0$0$7,389,056
77$11,107,298$0$0$8,038,422
78$12,088,406$0$0$8,750,736
79$13,164,803$0$0$9,532,318
80$14,346,060$0$0$10,390,124
81$15,642,716$0$0$11,331,820
82$17,066,382$0$0$12,365,849
83$18,629,847$0$0$13,501,512
84$20,347,200$0$0$14,749,055
85$22,233,962$0$0$16,119,764
86$24,307,232$0$0$17,626,074
87$26,585,845$0$0$19,281,683
88$29,090,554$0$0$21,101,684
89$31,844,221$0$0$23,102,703
90$34,872,035$0$0$25,303,058
91$38,201,746$0$0$27,722,931
92$41,863,930$0$0$30,384,559
93$45,892,274$0$0$33,312,441
94$50,323,892$0$0$36,533,569
95$55,199,680$0$0$40,077,685
96$60,564,695$0$0$43,977,558
97$66,468,583$0$0$48,269,294
98$72,966,045$0$0$52,992,677
99$80,117,355$0$0$58,191,543
100$87,988,925$0$0$63,914,192