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%11.1%
1 years$55,245$54,753$54,273$53,805$53,347$53,100
2 years$27,349$26,840$26,346$25,868$25,403$25,154
3 years$18,052$17,540$17,048$16,574$16,117$15,873
4 years$13,404$12,894$12,406$11,940$11,495$11,258
5 years$10,616$10,109$9,628$9,171$8,738$8,509
6 years$8,758$8,255$7,781$7,334$6,914$6,694
7 years$7,431$6,932$6,466$6,030$5,623$5,411
8 years$6,437$5,942$5,484$5,058$4,665$4,461
9 years$5,664$5,174$4,723$4,309$3,929$3,733
10 years$5,045$4,560$4,118$3,714$3,347$3,160
11 years$4,540$4,060$3,625$3,232$2,879$2,700
12 years$4,119$3,644$3,217$2,835$2,495$2,324
13 years$3,763$3,293$2,874$2,503$2,175$2,012
14 years$3,458$2,993$2,583$2,222$1,907$1,752
15 years$3,195$2,734$2,332$1,982$1,679$1,531
16 years$2,964$2,509$2,114$1,774$1,484$1,343
17 years$2,761$2,311$1,924$1,594$1,316$1,182
18 years$2,580$2,135$1,756$1,437$1,170$1,043
19 years$2,419$1,979$1,608$1,298$1,043$923
20 years$2,274$1,839$1,475$1,176$931$818
21 years$2,143$1,713$1,357$1,067$834$726
22 years$2,024$1,599$1,251$970$747$645
23 years$1,915$1,495$1,155$884$671$575
24 years$1,816$1,401$1,068$806$603$512
25 years$1,725$1,315$989$736$542$457
26 years$1,641$1,236$917$673$489$408
27 years$1,563$1,163$852$616$441$365
28 years$1,491$1,096$792$564$397$326
29 years$1,424$1,034$737$518$359$292
30 years$1,362$976$686$475$324$262
31 years$1,304$923$640$436$293$235
32 years$1,249$873$597$401$265$210
33 years$1,198$827$558$369$240$189
34 years$1,150$784$521$339$217$169
35 years$1,105$743$487$312$197$152
36 years$1,063$706$456$288$178$136
37 years$1,022$670$426$265$162$122
38 years$985$637$399$244$147$110
39 years$949$606$374$225$133$99
40 years$915$576$351$208$121$89
41 years$882$548$329$192$109$80
42 years$852$522$308$177$99$72
43 years$823$498$289$163$90$64
44 years$795$474$272$151$82$58
45 years$768$452$255$139$74$52
46 years$743$432$240$129$67$47
47 years$719$412$225$119$61$42
48 years$696$393$212$110$56$38
49 years$674$375$199$101$50$34
50 years$653$359$187$94$46$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $669,000, adding $2,552 every year, while hoping to spend $42,082 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: 55/16/29 Blend
34$669,000$669,000$669,000$669,000
35$739,870$704,413$694,044$774,486
36$770,562$694,155$672,519$788,407
37$802,974$681,983$648,864$799,023
38$837,237$667,760$622,960$809,746
39$873,495$651,339$594,689$820,603
40$911,903$632,566$563,922$831,623
41$952,631$611,277$530,528$842,845
42$995,867$587,297$494,368$854,309
43$1,041,814$560,443$455,298$866,065
44$1,090,696$530,521$413,167$878,172
45$1,142,755$497,325$367,817$890,695
46$1,198,260$460,638$319,083$903,710
47$1,257,504$420,230$266,793$917,305
48$1,320,806$375,859$210,767$931,580
49$1,388,519$327,266$150,819$946,648
50$1,461,028$274,182$86,751$962,640
51$1,538,756$216,320$18,360$979,701
52$1,622,166$153,376$0$997,999
53$1,711,767$85,032$0$1,034,625
54$1,808,117$10,949$0$1,080,049
55$1,911,831$0$0$1,128,895
56$2,023,581$0$0$1,193,698
57$2,144,107$0$0$1,265,715
58$2,274,221$0$0$1,343,512
59$2,414,817$0$0$1,427,628
60$2,566,875$0$0$1,518,657
61$2,731,474$0$0$1,617,251
62$2,909,800$0$0$1,724,127
63$3,103,156$0$0$1,840,076
64$3,312,975$0$0$1,965,964
65$3,540,835$0$0$2,102,746
66$3,788,470$0$0$2,251,472
67$4,057,788$0$0$2,413,297
68$4,350,887$0$0$2,589,491
69$4,670,077$0$0$2,781,453
70$5,017,899$0$0$2,990,723
71$5,397,151$0$0$3,218,993
72$5,810,911$0$0$3,468,127
73$6,262,566$0$0$3,740,179
74$6,755,847$0$0$4,037,406
75$7,294,859$0$0$4,362,296
76$7,884,123$0$0$4,717,586
77$8,528,615$0$0$5,106,292
78$9,233,815$0$0$5,531,733
79$10,005,757$0$0$5,997,563
80$10,851,085$0$0$6,507,808
81$11,777,116$0$0$7,066,901
82$12,791,907$0$0$7,679,722
83$13,904,333$0$0$8,351,650
84$15,124,168$0$0$9,088,605
85$16,462,175$0$0$9,897,110
86$17,930,213$0$0$10,784,348
87$19,541,341$0$0$11,758,234
88$21,309,945$0$0$12,827,483
89$23,251,871$0$0$14,001,697
90$25,384,575$0$0$15,291,454
91$27,727,287$0$0$16,708,407
92$30,301,191$0$0$18,265,391
93$33,129,623$0$0$19,976,549
94$36,238,293$0$0$21,857,459
95$39,655,524$0$0$23,925,286
96$43,412,523$0$0$26,198,940
97$47,543,668$0$0$28,699,255
98$52,086,836$0$0$31,449,185
99$57,083,759$0$0$34,474,020
100$62,580,416$0$0$37,801,624