Can I retire at age 35 with 668,000?

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 $668,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$55,163$54,671$54,192$53,724$53,267$51,874
2 years$27,308$26,800$26,307$25,829$25,365$23,971
3 years$18,025$17,514$17,022$16,549$16,093$14,742
4 years$13,384$12,875$12,388$11,923$11,478$10,179
5 years$10,600$10,094$9,613$9,158$8,725$7,484
6 years$8,745$8,242$7,769$7,323$6,904$5,720
7 years$7,420$6,922$6,456$6,021$5,615$4,489
8 years$6,427$5,933$5,475$5,051$4,658$3,590
9 years$5,655$5,166$4,716$4,302$3,923$2,911
10 years$5,038$4,554$4,111$3,709$3,342$2,386
11 years$4,533$4,054$3,620$3,228$2,874$1,972
12 years$4,113$3,639$3,212$2,831$2,491$1,640
13 years$3,758$3,288$2,870$2,499$2,172$1,372
14 years$3,453$2,989$2,579$2,219$1,904$1,152
15 years$3,190$2,730$2,328$1,979$1,677$972
16 years$2,959$2,505$2,111$1,772$1,482$821
17 years$2,756$2,307$1,921$1,592$1,314$696
18 years$2,576$2,132$1,753$1,435$1,168$591
19 years$2,415$1,976$1,605$1,296$1,041$503
20 years$2,270$1,836$1,473$1,174$930$429
21 years$2,139$1,710$1,355$1,065$832$366
22 years$2,021$1,596$1,249$969$746$312
23 years$1,912$1,493$1,153$882$670$267
24 years$1,813$1,399$1,066$805$602$228
25 years$1,722$1,313$988$735$542$195
26 years$1,638$1,234$916$672$488$167
27 years$1,561$1,161$851$615$440$143
28 years$1,489$1,094$791$564$397$123
29 years$1,422$1,032$736$517$358$105
30 years$1,360$975$685$474$324$90
31 years$1,302$922$639$436$293$77
32 years$1,247$872$596$400$265$66
33 years$1,196$826$557$368$240$57
34 years$1,148$783$520$339$217$49
35 years$1,103$742$486$312$197$42
36 years$1,061$705$455$287$178$36
37 years$1,021$669$426$265$161$31
38 years$983$636$399$244$146$27
39 years$947$605$374$225$133$23
40 years$913$575$350$207$120$20
41 years$881$548$328$191$109$17
42 years$850$522$308$177$99$14
43 years$821$497$289$163$90$12
44 years$794$474$271$151$82$11
45 years$767$452$255$139$74$9
46 years$742$431$239$128$67$8
47 years$718$411$225$119$61$7
48 years$695$393$211$110$55$6
49 years$673$375$199$101$50$5
50 years$652$358$187$94$46$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $668,000, adding $2,717 every year, while hoping to spend $28,579 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: 36/43/21 Blend
34$668,000$668,000$668,000$668,000
35$738,939$703,535$693,181$760,758
36$783,902$707,600$685,994$781,023
37$832,495$710,907$677,609$800,034
38$885,056$713,387$667,956$819,974
39$941,958$714,971$656,959$840,942
40$1,003,614$715,580$644,543$863,050
41$1,070,474$715,135$630,627$886,425
42$1,143,036$713,550$615,126$911,204
43$1,221,845$710,733$597,952$937,546
44$1,307,502$706,588$579,013$965,625
45$1,400,669$701,012$558,211$995,636
46$1,502,072$693,897$535,447$1,027,797
47$1,612,513$685,128$510,613$1,062,350
48$1,732,871$674,581$483,601$1,099,566
49$1,864,117$662,127$454,294$1,139,746
50$2,007,315$647,630$422,571$1,183,224
51$2,163,641$630,944$388,308$1,230,375
52$2,334,388$611,916$351,371$1,281,612
53$2,520,977$590,381$311,623$1,337,398
54$2,724,975$566,168$268,921$1,398,244
55$2,948,107$539,096$223,115$1,464,720
56$3,192,273$508,969$174,048$1,537,459
57$3,459,561$475,586$121,555$1,617,162
58$3,752,277$438,729$65,467$1,704,609
59$4,072,954$398,172$5,605$1,800,665
60$4,424,385$353,673$0$1,906,287
61$4,809,646$304,976$0$2,035,599
62$5,232,124$251,814$0$2,178,908
63$5,695,549$193,902$0$2,336,309
64$6,204,031$130,939$0$2,509,296
65$6,762,095$62,608$0$2,699,522
66$7,374,728$0$0$2,908,812
67$8,047,420$0$0$3,144,593
68$8,786,221$0$0$3,436,179
69$9,597,796$0$0$3,756,588
70$10,489,486$0$0$4,108,732
71$11,469,380$0$0$4,495,816
72$12,546,386$0$0$4,921,375
73$13,730,321$0$0$5,389,301
74$15,032,000$0$0$5,903,883
75$16,463,338$0$0$6,469,846
76$18,037,462$0$0$7,092,395
77$19,768,835$0$0$7,777,267
78$21,673,391$0$0$8,530,782
79$23,768,688$0$0$9,359,902
80$26,074,071$0$0$10,272,301
81$28,610,854$0$0$11,276,432
82$31,402,522$0$0$12,381,609
83$34,474,950$0$0$13,598,096
84$37,856,651$0$0$14,937,202
85$41,579,041$0$0$16,411,388
86$45,676,737$0$0$18,034,385
87$50,187,882$0$0$19,821,322
88$55,154,505$0$0$21,788,871
89$60,622,919$0$0$23,955,401
90$66,644,155$0$0$26,341,155
91$73,274,444$0$0$28,968,439
92$80,575,749$0$0$31,861,832
93$88,616,348$0$0$35,048,416
94$97,471,476$0$0$38,558,038
95$107,224,040$0$0$42,423,584
96$117,965,396$0$0$46,681,292
97$129,796,211$0$0$51,371,098
98$142,827,418$0$0$56,537,007
99$157,181,255$0$0$62,227,508
100$172,992,425$0$0$68,496,038