Can I retire at age 35 with 669,000?

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 $669,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$55,245$54,753$54,273$53,805$53,347$51,847
2 years$27,349$26,840$26,346$25,868$25,403$23,904
3 years$18,052$17,540$17,048$16,574$16,117$14,664
4 years$13,404$12,894$12,406$11,940$11,495$10,101
5 years$10,616$10,109$9,628$9,171$8,738$7,406
6 years$8,758$8,255$7,781$7,334$6,914$5,646
7 years$7,431$6,932$6,466$6,030$5,623$4,418
8 years$6,437$5,942$5,484$5,058$4,665$3,522
9 years$5,664$5,174$4,723$4,309$3,929$2,848
10 years$5,045$4,560$4,118$3,714$3,347$2,327
11 years$4,540$4,060$3,625$3,232$2,879$1,917
12 years$4,119$3,644$3,217$2,835$2,495$1,589
13 years$3,763$3,293$2,874$2,503$2,175$1,325
14 years$3,458$2,993$2,583$2,222$1,907$1,109
15 years$3,195$2,734$2,332$1,982$1,679$932
16 years$2,964$2,509$2,114$1,774$1,484$785
17 years$2,761$2,311$1,924$1,594$1,316$663
18 years$2,580$2,135$1,756$1,437$1,170$561
19 years$2,419$1,979$1,608$1,298$1,043$475
20 years$2,274$1,839$1,475$1,176$931$404
21 years$2,143$1,713$1,357$1,067$834$343
22 years$2,024$1,599$1,251$970$747$292
23 years$1,915$1,495$1,155$884$671$248
24 years$1,816$1,401$1,068$806$603$212
25 years$1,725$1,315$989$736$542$180
26 years$1,641$1,236$917$673$489$154
27 years$1,563$1,163$852$616$441$131
28 years$1,491$1,096$792$564$397$112
29 years$1,424$1,034$737$518$359$96
30 years$1,362$976$686$475$324$82
31 years$1,304$923$640$436$293$70
32 years$1,249$873$597$401$265$60
33 years$1,198$827$558$369$240$51
34 years$1,150$784$521$339$217$44
35 years$1,105$743$487$312$197$37
36 years$1,063$706$456$288$178$32
37 years$1,022$670$426$265$162$27
38 years$985$637$399$244$147$23
39 years$949$606$374$225$133$20
40 years$915$576$351$208$121$17
41 years$882$548$329$192$109$15
42 years$852$522$308$177$99$12
43 years$823$498$289$163$90$11
44 years$795$474$272$151$82$9
45 years$768$452$255$139$74$8
46 years$743$432$240$129$67$7
47 years$719$412$225$119$61$6
48 years$696$393$212$110$56$5
49 years$674$375$199$101$50$4
50 years$653$359$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 $669,000, adding $2,439 every year, while hoping to spend $49,180 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: 57/26/17 Blend
34$669,000$669,000$669,000$669,000
35$739,754$704,297$693,927$778,486
36$762,882$686,480$664,847$787,244
37$786,720$666,142$633,144$791,227
38$811,290$643,108$598,678$794,453
39$836,612$617,190$561,305$796,858
40$862,708$588,194$520,870$798,376
41$889,600$555,911$477,214$798,936
42$917,309$520,122$430,172$798,462
43$945,860$480,593$379,568$796,876
44$975,275$437,079$325,221$794,093
45$1,005,578$389,321$266,941$790,025
46$1,036,793$337,044$204,529$784,575
47$1,068,944$279,957$137,779$777,645
48$1,102,056$217,755$66,474$769,129
49$1,136,154$150,113$0$758,914
50$1,171,263$76,690$0$748,627
51$1,207,409$0$0$749,379
52$1,244,617$0$0$749,833
53$1,282,913$0$0$772,882
54$1,322,322$0$0$796,598
55$1,362,871$0$0$820,997
56$1,404,584$0$0$846,093
57$1,447,487$0$0$871,903
58$1,491,604$0$0$898,439
59$1,536,961$0$0$925,717
60$1,583,580$0$0$953,749
61$1,631,484$0$0$982,549
62$1,680,695$0$0$1,012,130
63$1,731,235$0$0$1,042,503
64$1,783,121$0$0$1,073,679
65$1,836,372$0$0$1,105,667
66$1,891,002$0$0$1,138,476
67$1,947,025$0$0$1,172,112
68$2,004,452$0$0$1,206,581
69$2,063,289$0$0$1,241,885
70$2,123,541$0$0$1,278,026
71$2,185,206$0$0$1,315,001
72$2,248,282$0$0$1,352,807
73$2,312,757$0$0$1,391,434
74$2,378,615$0$0$1,430,871
75$2,445,835$0$0$1,471,103
76$2,514,386$0$0$1,512,108
77$2,584,230$0$0$1,553,861
78$2,655,320$0$0$1,596,329
79$2,727,597$0$0$1,639,474
80$2,800,992$0$0$1,683,250
81$2,875,421$0$0$1,727,603
82$2,950,786$0$0$1,772,468
83$3,026,974$0$0$1,817,773
84$3,103,853$0$0$1,863,430
85$3,181,269$0$0$1,909,342
86$3,259,047$0$0$1,955,396
87$3,336,988$0$0$2,001,464
88$3,414,862$0$0$2,047,399
89$3,492,410$0$0$2,093,035
90$3,569,340$0$0$2,138,186
91$3,645,318$0$0$2,182,639
92$3,719,971$0$0$2,226,157
93$3,792,878$0$0$2,268,472
94$3,863,566$0$0$2,309,283
95$3,931,504$0$0$2,348,254
96$3,996,098$0$0$2,385,008
97$4,056,683$0$0$2,419,123
98$4,112,517$0$0$2,450,130
99$4,162,771$0$0$2,477,504
100$4,206,520$0$0$2,500,659