Can I retire at age 35 with 669,000?

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 $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%
1 years$55,245$54,753$54,273$53,805$53,347$52,036
2 years$27,349$26,840$26,346$25,868$25,403$24,091
3 years$18,052$17,540$17,048$16,574$16,117$14,844
4 years$13,404$12,894$12,406$11,940$11,495$10,271
5 years$10,616$10,109$9,628$9,171$8,738$7,567
6 years$8,758$8,255$7,781$7,334$6,914$5,796
7 years$7,431$6,932$6,466$6,030$5,623$4,559
8 years$6,437$5,942$5,484$5,058$4,665$3,654
9 years$5,664$5,174$4,723$4,309$3,929$2,970
10 years$5,045$4,560$4,118$3,714$3,347$2,441
11 years$4,540$4,060$3,625$3,232$2,879$2,022
12 years$4,119$3,644$3,217$2,835$2,495$1,687
13 years$3,763$3,293$2,874$2,503$2,175$1,415
14 years$3,458$2,993$2,583$2,222$1,907$1,192
15 years$3,195$2,734$2,332$1,982$1,679$1,007
16 years$2,964$2,509$2,114$1,774$1,484$854
17 years$2,761$2,311$1,924$1,594$1,316$726
18 years$2,580$2,135$1,756$1,437$1,170$618
19 years$2,419$1,979$1,608$1,298$1,043$528
20 years$2,274$1,839$1,475$1,176$931$451
21 years$2,143$1,713$1,357$1,067$834$386
22 years$2,024$1,599$1,251$970$747$331
23 years$1,915$1,495$1,155$884$671$283
24 years$1,816$1,401$1,068$806$603$243
25 years$1,725$1,315$989$736$542$209
26 years$1,641$1,236$917$673$489$179
27 years$1,563$1,163$852$616$441$154
28 years$1,491$1,096$792$564$397$133
29 years$1,424$1,034$737$518$359$114
30 years$1,362$976$686$475$324$98
31 years$1,304$923$640$436$293$84
32 years$1,249$873$597$401$265$73
33 years$1,198$827$558$369$240$63
34 years$1,150$784$521$339$217$54
35 years$1,105$743$487$312$197$46
36 years$1,063$706$456$288$178$40
37 years$1,022$670$426$265$162$34
38 years$985$637$399$244$147$30
39 years$949$606$374$225$133$26
40 years$915$576$351$208$121$22
41 years$882$548$329$192$109$19
42 years$852$522$308$177$99$16
43 years$823$498$289$163$90$14
44 years$795$474$272$151$82$12
45 years$768$452$255$139$74$10
46 years$743$432$240$129$67$9
47 years$719$412$225$119$61$8
48 years$696$393$212$110$56$7
49 years$674$375$199$101$50$6
50 years$653$359$187$94$46$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $669,000, adding $6,060 every year, while hoping to spend $50,067 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: 59/22/19 Blend
34$669,000$669,000$669,000$669,000
35$743,489$708,032$697,662$783,314
36$766,054$689,455$667,763$792,430
37$789,242$668,289$635,184$796,354
38$813,065$644,355$599,783$799,502
39$837,533$617,463$561,411$801,807
40$862,654$587,412$519,911$803,199
41$888,438$553,989$475,121$803,602
42$914,893$516,968$426,872$802,935
43$942,025$476,112$374,985$801,115
44$969,839$431,170$319,275$798,049
45$998,340$381,874$259,548$793,641
46$1,027,530$327,945$195,601$787,789
47$1,057,408$269,085$127,225$780,382
48$1,087,974$204,981$54,197$771,303
49$1,119,224$135,300$0$760,430
50$1,151,149$59,695$0$752,441
51$1,183,740$0$0$754,422
52$1,216,984$0$0$760,650
53$1,250,862$0$0$781,713
54$1,285,353$0$0$803,143
55$1,320,429$0$0$824,923
56$1,356,058$0$0$847,031
57$1,392,201$0$0$869,439
58$1,428,812$0$0$892,117
59$1,465,838$0$0$915,029
60$1,503,216$0$0$938,133
61$1,540,874$0$0$961,382
62$1,578,729$0$0$984,720
63$1,616,688$0$0$1,008,085
64$1,654,641$0$0$1,031,405
65$1,692,467$0$0$1,054,600
66$1,730,026$0$0$1,077,577
67$1,767,161$0$0$1,100,233
68$1,803,696$0$0$1,122,452
69$1,839,429$0$0$1,144,102
70$1,874,138$0$0$1,165,035
71$1,907,571$0$0$1,185,087
72$1,939,445$0$0$1,204,073
73$1,969,445$0$0$1,221,786
74$1,997,219$0$0$1,237,995
75$2,022,373$0$0$1,252,442
76$2,044,468$0$0$1,264,840
77$2,063,015$0$0$1,274,869
78$2,077,469$0$0$1,282,173
79$2,087,224$0$0$1,286,356
80$2,091,606$0$0$1,286,978
81$2,089,867$0$0$1,283,550
82$2,081,176$0$0$1,275,529
83$2,064,609$0$0$1,262,313
84$2,039,144$0$0$1,243,234
85$2,003,646$0$0$1,217,553
86$1,956,858$0$0$1,184,449
87$1,897,385$0$0$1,143,013
88$1,823,685$0$0$1,092,240
89$1,734,050$0$0$1,031,017
90$1,626,590$0$0$958,110
91$1,499,211$0$0$872,158
92$1,349,602$0$0$771,653
93$1,175,203$0$0$654,929
94$973,185$0$0$520,142
95$740,422$0$0$365,257
96$473,458$0$0$188,024
97$168,475$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0