Can I retire at age 35 with 667,000?

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 $667,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$55,080$54,590$54,111$53,644$53,188$51,260
2 years$27,267$26,760$26,267$25,790$25,327$23,406
3 years$17,998$17,488$16,997$16,524$16,069$14,215
4 years$13,364$12,855$12,369$11,905$11,460$9,688
5 years$10,584$10,079$9,599$9,144$8,712$7,025
6 years$8,732$8,230$7,757$7,312$6,893$5,294
7 years$7,409$6,912$6,447$6,012$5,606$4,093
8 years$6,417$5,924$5,467$5,043$4,651$3,223
9 years$5,647$5,158$4,709$4,296$3,917$2,573
10 years$5,030$4,547$4,105$3,703$3,337$2,075
11 years$4,526$4,048$3,614$3,223$2,870$1,686
12 years$4,107$3,633$3,208$2,827$2,487$1,379
13 years$3,752$3,283$2,866$2,496$2,169$1,133
14 years$3,448$2,984$2,575$2,215$1,901$935
15 years$3,185$2,726$2,325$1,976$1,674$774
16 years$2,955$2,501$2,108$1,769$1,479$642
17 years$2,752$2,304$1,918$1,589$1,312$534
18 years$2,572$2,129$1,751$1,432$1,166$445
19 years$2,412$1,973$1,603$1,294$1,040$371
20 years$2,267$1,833$1,471$1,172$929$310
21 years$2,136$1,708$1,353$1,064$831$259
22 years$2,018$1,594$1,247$967$745$217
23 years$1,910$1,491$1,151$881$669$182
24 years$1,811$1,397$1,065$803$601$152
25 years$1,720$1,311$986$734$541$127
26 years$1,636$1,232$915$671$487$107
27 years$1,558$1,159$849$614$439$90
28 years$1,487$1,093$790$563$396$75
29 years$1,420$1,031$735$516$358$63
30 years$1,358$973$684$474$323$53
31 years$1,300$920$638$435$292$45
32 years$1,245$871$595$400$264$37
33 years$1,194$824$556$368$239$31
34 years$1,147$781$519$338$217$26
35 years$1,102$741$486$311$196$22
36 years$1,059$703$454$287$178$19
37 years$1,019$668$425$264$161$16
38 years$982$635$398$243$146$13
39 years$946$604$373$225$132$11
40 years$912$574$350$207$120$9
41 years$880$547$328$191$109$8
42 years$849$521$308$176$99$7
43 years$820$496$289$163$90$5
44 years$792$473$271$150$81$5
45 years$766$451$254$139$74$4
46 years$741$430$239$128$67$3
47 years$717$411$224$118$61$3
48 years$694$392$211$109$55$2
49 years$672$374$198$101$50$2
50 years$651$358$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 $667,000, adding $2,204 every year, while hoping to spend $36,046 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: 56/38/6 Blend
34$667,000$667,000$667,000$667,000
35$737,307$701,956$691,618$777,531
36$774,160$698,000$676,434$800,914
37$813,564$692,641$659,534$822,140
38$855,740$685,773$640,822$844,367
39$900,933$677,284$620,197$867,694
40$949,410$667,052$597,555$892,231
41$1,001,464$654,952$572,787$918,101
42$1,057,417$640,848$545,779$945,444
43$1,117,622$624,598$516,411$974,411
44$1,182,466$606,050$484,558$1,005,176
45$1,252,376$585,045$450,089$1,037,929
46$1,327,820$561,414$412,869$1,072,884
47$1,409,312$534,978$372,754$1,110,276
48$1,497,417$505,547$329,596$1,150,372
49$1,592,756$472,921$283,240$1,193,463
50$1,696,011$436,888$233,523$1,239,879
51$1,807,933$397,224$180,275$1,289,980
52$1,929,348$353,694$123,319$1,344,173
53$2,061,162$306,046$62,472$1,402,907
54$2,204,375$254,016$0$1,466,679
55$2,360,084$197,326$0$1,536,202
56$2,529,498$135,680$0$1,616,211
57$2,713,946$68,767$0$1,703,400
58$2,914,890$0$0$1,798,540
59$3,133,940$0$0$1,904,049
60$3,372,867$0$0$2,050,552
61$3,633,623$0$0$2,210,496
62$3,918,352$0$0$2,385,204
63$4,229,417$0$0$2,576,132
64$4,569,420$0$0$2,784,886
65$4,941,225$0$0$3,013,232
66$5,347,984$0$0$3,263,114
67$5,793,168$0$0$3,536,674
68$6,280,602$0$0$3,836,269
69$6,814,495$0$0$4,164,497
70$7,399,484$0$0$4,524,218
71$8,040,673$0$0$4,918,581
72$8,743,686$0$0$5,351,055
73$9,514,717$0$0$5,825,460
74$10,360,587$0$0$6,346,007
75$11,288,810$0$0$6,917,328
76$12,307,662$0$0$7,544,532
77$13,426,260$0$0$8,233,242
78$14,654,646$0$0$8,989,654
79$16,003,883$0$0$9,820,593
80$17,486,158$0$0$10,733,579
81$19,114,896$0$0$11,736,896
82$20,904,888$0$0$12,839,668
83$22,872,427$0$0$14,051,949
84$25,035,466$0$0$15,384,817
85$27,413,781$0$0$16,850,473
86$30,029,162$0$0$18,462,362
87$32,905,616$0$0$20,235,299
88$36,069,593$0$0$22,185,603
89$39,550,236$0$0$24,331,256
90$43,379,652$0$0$26,692,072
91$47,593,220$0$0$29,289,881
92$52,229,922$0$0$32,148,735
93$57,332,705$0$0$35,295,138
94$62,948,896$0$0$38,758,292
95$69,130,638$0$0$42,570,374
96$75,935,388$0$0$46,766,838
97$83,426,455$0$0$51,386,751
98$91,673,599$0$0$56,473,161
99$100,753,688$0$0$62,073,502
100$110,751,421$0$0$68,240,039