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%13.4%
1 years$55,080$54,590$54,111$53,644$53,188$52,436
2 years$27,267$26,760$26,267$25,790$25,327$24,572
3 years$17,998$17,488$16,997$16,524$16,069$15,332
4 years$13,364$12,855$12,369$11,905$11,460$10,749
5 years$10,584$10,079$9,599$9,144$8,712$8,028
6 years$8,732$8,230$7,757$7,312$6,893$6,237
7 years$7,409$6,912$6,447$6,012$5,606$4,978
8 years$6,417$5,924$5,467$5,043$4,651$4,051
9 years$5,647$5,158$4,709$4,296$3,917$3,344
10 years$5,030$4,547$4,105$3,703$3,337$2,792
11 years$4,526$4,048$3,614$3,223$2,870$2,352
12 years$4,107$3,633$3,208$2,827$2,487$1,995
13 years$3,752$3,283$2,866$2,496$2,169$1,702
14 years$3,448$2,984$2,575$2,215$1,901$1,459
15 years$3,185$2,726$2,325$1,976$1,674$1,256
16 years$2,955$2,501$2,108$1,769$1,479$1,085
17 years$2,752$2,304$1,918$1,589$1,312$939
18 years$2,572$2,129$1,751$1,432$1,166$815
19 years$2,412$1,973$1,603$1,294$1,040$709
20 years$2,267$1,833$1,471$1,172$929$618
21 years$2,136$1,708$1,353$1,064$831$539
22 years$2,018$1,594$1,247$967$745$471
23 years$1,910$1,491$1,151$881$669$412
24 years$1,811$1,397$1,065$803$601$361
25 years$1,720$1,311$986$734$541$317
26 years$1,636$1,232$915$671$487$278
27 years$1,558$1,159$849$614$439$244
28 years$1,487$1,093$790$563$396$214
29 years$1,420$1,031$735$516$358$188
30 years$1,358$973$684$474$323$165
31 years$1,300$920$638$435$292$145
32 years$1,245$871$595$400$264$128
33 years$1,194$824$556$368$239$113
34 years$1,147$781$519$338$217$99
35 years$1,102$741$486$311$196$87
36 years$1,059$703$454$287$178$77
37 years$1,019$668$425$264$161$68
38 years$982$635$398$243$146$60
39 years$946$604$373$225$132$52
40 years$912$574$350$207$120$46
41 years$880$547$328$191$109$41
42 years$849$521$308$176$99$36
43 years$820$496$289$163$90$32
44 years$792$473$271$150$81$28
45 years$766$451$254$139$74$25
46 years$741$430$239$128$67$22
47 years$717$411$224$118$61$19
48 years$694$392$211$109$55$17
49 years$672$374$198$101$50$15
50 years$651$358$186$93$46$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $667,000, adding $4,218 every year, while hoping to spend $52,709 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: 84/7/9 Blend
34$667,000$667,000$667,000$667,000
35$739,385$704,034$693,695$800,254
36$758,720$682,450$660,852$819,080
37$778,261$658,041$625,142$832,218
38$797,973$630,614$586,414$845,016
39$817,816$599,964$544,508$857,409
40$837,744$565,873$499,260$869,322
41$857,704$528,112$450,496$880,675
42$877,638$486,437$398,036$891,378
43$897,477$440,592$341,690$901,331
44$917,145$390,307$281,261$910,426
45$936,555$335,293$216,545$918,543
46$955,609$275,248$147,325$925,548
47$974,198$209,852$73,377$931,297
48$992,198$138,766$0$935,629
49$1,009,471$61,635$0$938,899
50$1,025,862$0$0$947,934
51$1,041,198$0$0$957,180
52$1,055,285$0$0$970,011
53$1,067,908$0$0$981,479
54$1,078,825$0$0$991,362
55$1,087,768$0$0$999,411
56$1,094,438$0$0$1,005,349
57$1,098,505$0$0$1,008,869
58$1,099,597$0$0$1,009,629
59$1,097,306$0$0$1,007,248
60$1,091,176$0$0$1,001,306
61$1,080,702$0$0$991,334
62$1,065,324$0$0$976,814
63$1,044,421$0$0$957,170
64$1,017,304$0$0$931,765
65$983,211$0$0$899,893
66$941,299$0$0$860,773
67$890,632$0$0$813,539
68$830,176$0$0$757,233
69$758,788$0$0$690,796
70$675,203$0$0$613,057
71$578,020$0$0$522,721
72$465,695$0$0$418,355
73$336,517$0$0$298,376
74$188,597$0$0$161,036
75$19,849$0$0$4,403
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0