Can I retire at age 35 with 667,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%18.2%
1 years$55,080$54,590$54,111$53,644$53,188$51,423
2 years$27,267$26,760$26,267$25,790$25,327$23,567
3 years$17,998$17,488$16,997$16,524$16,069$14,368
4 years$13,364$12,855$12,369$11,905$11,460$9,831
5 years$10,584$10,079$9,599$9,144$8,712$7,160
6 years$8,732$8,230$7,757$7,312$6,893$5,419
7 years$7,409$6,912$6,447$6,012$5,606$4,209
8 years$6,417$5,924$5,467$5,043$4,651$3,330
9 years$5,647$5,158$4,709$4,296$3,917$2,671
10 years$5,030$4,547$4,105$3,703$3,337$2,165
11 years$4,526$4,048$3,614$3,223$2,870$1,769
12 years$4,107$3,633$3,208$2,827$2,487$1,454
13 years$3,752$3,283$2,866$2,496$2,169$1,201
14 years$3,448$2,984$2,575$2,215$1,901$997
15 years$3,185$2,726$2,325$1,976$1,674$830
16 years$2,955$2,501$2,108$1,769$1,479$692
17 years$2,752$2,304$1,918$1,589$1,312$579
18 years$2,572$2,129$1,751$1,432$1,166$485
19 years$2,412$1,973$1,603$1,294$1,040$407
20 years$2,267$1,833$1,471$1,172$929$342
21 years$2,136$1,708$1,353$1,064$831$288
22 years$2,018$1,594$1,247$967$745$243
23 years$1,910$1,491$1,151$881$669$204
24 years$1,811$1,397$1,065$803$601$172
25 years$1,720$1,311$986$734$541$145
26 years$1,636$1,232$915$671$487$123
27 years$1,558$1,159$849$614$439$104
28 years$1,487$1,093$790$563$396$87
29 years$1,420$1,031$735$516$358$74
30 years$1,358$973$684$474$323$62
31 years$1,300$920$638$435$292$53
32 years$1,245$871$595$400$264$45
33 years$1,194$824$556$368$239$38
34 years$1,147$781$519$338$217$32
35 years$1,102$741$486$311$196$27
36 years$1,059$703$454$287$178$23
37 years$1,019$668$425$264$161$19
38 years$982$635$398$243$146$16
39 years$946$604$373$225$132$14
40 years$912$574$350$207$120$12
41 years$880$547$328$191$109$10
42 years$849$521$308$176$99$8
43 years$820$496$289$163$90$7
44 years$792$473$271$150$81$6
45 years$766$451$254$139$74$5
46 years$741$430$239$128$67$4
47 years$717$411$224$118$61$4
48 years$694$392$211$109$55$3
49 years$672$374$198$101$50$3
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 $4,723 every year, while hoping to spend $34,500 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: 53/36/11 Blend
34$667,000$667,000$667,000$667,000
35$739,906$704,555$694,216$776,772
36$778,668$702,370$680,765$800,192
37$820,229$698,922$665,706$821,539
38$864,835$694,113$648,951$843,961
39$912,761$687,837$630,404$867,567
40$964,307$679,985$609,966$892,479
41$1,019,801$670,439$587,535$918,835
42$1,079,605$659,076$563,002$946,786
43$1,144,117$645,762$536,254$976,501
44$1,213,772$630,360$507,174$1,008,169
45$1,289,050$612,721$475,638$1,042,002
46$1,370,478$592,689$441,516$1,078,232
47$1,458,635$570,098$404,675$1,117,120
48$1,554,157$544,775$364,973$1,158,957
49$1,657,745$516,533$322,264$1,204,064
50$1,770,169$485,176$276,393$1,252,800
51$1,892,274$450,498$227,201$1,305,564
52$2,024,994$412,280$174,519$1,362,797
53$2,169,351$370,290$118,174$1,424,990
54$2,326,474$324,283$57,981$1,492,690
55$2,497,602$274,001$0$1,566,501
56$2,684,102$219,171$0$1,647,830
57$2,887,474$159,504$0$1,743,996
58$3,109,372$94,696$0$1,849,039
59$3,351,616$24,424$0$1,963,899
60$3,616,209$0$0$2,089,618
61$3,905,357$0$0$2,247,810
62$4,221,487$0$0$2,431,405
63$4,567,273$0$0$2,632,287
64$4,945,657$0$0$2,852,175
65$5,359,882$0$0$3,092,961
66$5,813,514$0$0$3,356,727
67$6,310,485$0$0$3,645,769
68$6,855,124$0$0$3,962,612
69$7,452,195$0$0$4,310,040
70$8,106,950$0$0$4,691,118
71$8,825,172$0$0$5,109,222
72$9,613,228$0$0$5,568,070
73$10,478,134$0$0$6,071,758
74$11,427,618$0$0$6,624,799
75$12,470,192$0$0$7,232,162
76$13,615,232$0$0$7,899,322
77$14,873,069$0$0$8,632,311
78$16,255,081$0$0$9,437,774
79$17,773,805$0$0$10,323,030
80$19,443,050$0$0$11,296,145
81$21,278,033$0$0$12,366,002
82$23,295,515$0$0$13,542,391
83$25,513,965$0$0$14,836,096
84$27,953,730$0$0$16,258,999
85$30,637,226$0$0$17,824,190
86$33,589,154$0$0$19,546,095
87$36,836,728$0$0$21,440,605
88$40,409,930$0$0$23,525,231
89$44,341,798$0$0$25,819,265
90$48,668,734$0$0$28,343,966
91$53,430,845$0$0$31,122,758
92$58,672,325$0$0$34,181,449
93$64,441,870$0$0$37,548,478
94$70,793,135$0$0$41,255,181
95$77,785,242$0$0$45,336,085
96$85,483,337$0$0$49,829,236
97$93,959,204$0$0$54,776,559
98$103,291,941$0$0$60,224,248
99$113,568,707$0$0$66,223,206
100$124,885,545$0$0$72,829,524