Can I retire at age 35 with 675,000?

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 $675,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$55,741$55,244$54,760$54,287$53,825$52,061
2 years$27,594$27,081$26,582$26,100$25,631$23,870
3 years$18,214$17,697$17,201$16,722$16,261$14,559
4 years$13,524$13,009$12,518$12,047$11,598$9,968
5 years$10,711$10,200$9,714$9,254$8,816$7,263
6 years$8,836$8,329$7,851$7,400$6,976$5,500
7 years$7,498$6,994$6,524$6,084$5,673$4,275
8 years$6,494$5,996$5,533$5,104$4,707$3,384
9 years$5,714$5,220$4,765$4,347$3,964$2,716
10 years$5,091$4,601$4,155$3,747$3,377$2,202
11 years$4,581$4,096$3,658$3,261$2,905$1,800
12 years$4,156$3,677$3,246$2,861$2,517$1,481
13 years$3,797$3,323$2,900$2,526$2,195$1,225
14 years$3,489$3,020$2,606$2,242$1,924$1,017
15 years$3,223$2,759$2,353$1,999$1,694$847
16 years$2,991$2,531$2,133$1,790$1,497$707
17 years$2,785$2,331$1,941$1,608$1,328$592
18 years$2,603$2,154$1,772$1,450$1,180$497
19 years$2,440$1,996$1,622$1,310$1,052$417
20 years$2,294$1,855$1,489$1,186$940$351
21 years$2,162$1,728$1,369$1,077$841$295
22 years$2,042$1,613$1,262$979$754$249
23 years$1,932$1,509$1,165$892$677$210
24 years$1,832$1,414$1,078$813$608$177
25 years$1,740$1,327$998$743$547$150
26 years$1,655$1,247$926$679$493$126
27 years$1,577$1,173$860$621$444$107
28 years$1,504$1,106$799$569$401$90
29 years$1,437$1,043$744$522$362$76
30 years$1,374$985$693$479$327$65
31 years$1,315$931$646$440$296$55
32 years$1,260$881$602$404$268$46
33 years$1,209$834$563$372$242$39
34 years$1,160$791$526$342$219$33
35 years$1,115$750$491$315$199$28
36 years$1,072$712$460$290$180$24
37 years$1,032$676$430$267$163$20
38 years$993$643$403$246$148$17
39 years$957$611$378$227$134$14
40 years$923$581$354$210$122$12
41 years$890$553$332$193$110$10
42 years$859$527$311$178$100$9
43 years$830$502$292$165$91$7
44 years$802$479$274$152$82$6
45 years$775$456$257$140$75$5
46 years$750$435$242$130$68$4
47 years$726$416$227$120$62$4
48 years$702$397$213$111$56$3
49 years$680$379$201$102$51$3
50 years$659$362$189$95$46$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $675,000, adding $2,011 every year, while hoping to spend $48,158 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: 57/20/23 Blend
34$675,000$675,000$675,000$675,000
35$745,924$710,149$699,687$783,696
36$770,769$693,707$671,887$793,277
37$796,534$674,845$641,541$798,413
38$823,261$653,393$608,514$802,976
39$850,998$629,174$572,663$806,925
40$879,792$601,996$533,840$810,216
41$909,696$571,659$491,889$812,801
42$940,766$537,951$446,648$814,634
43$973,060$500,647$397,947$815,664
44$1,006,643$459,509$345,609$815,839
45$1,041,583$414,288$289,449$815,105
46$1,077,954$364,716$229,274$813,408
47$1,115,833$310,515$164,883$810,690
48$1,155,305$251,388$96,064$806,893
49$1,196,462$187,021$22,597$801,955
50$1,239,401$117,085$0$795,814
51$1,284,228$41,231$0$802,103
52$1,331,058$0$0$813,868
53$1,380,013$0$0$834,559
54$1,431,226$0$0$865,711
55$1,484,843$0$0$898,341
56$1,541,020$0$0$932,546
57$1,599,925$0$0$968,431
58$1,661,742$0$0$1,006,109
59$1,726,672$0$0$1,045,707
60$1,794,930$0$0$1,087,358
61$1,866,753$0$0$1,131,209
62$1,942,398$0$0$1,177,422
63$2,022,143$0$0$1,226,168
64$2,106,293$0$0$1,277,640
65$2,195,181$0$0$1,332,043
66$2,289,167$0$0$1,389,604
67$2,388,647$0$0$1,450,570
68$2,494,052$0$0$1,515,209
69$2,605,855$0$0$1,583,818
70$2,724,570$0$0$1,656,717
71$2,850,760$0$0$1,734,259
72$2,985,043$0$0$1,816,831
73$3,128,093$0$0$1,904,853
74$3,280,650$0$0$1,998,789
75$3,443,522$0$0$2,099,145
76$3,617,597$0$0$2,206,477
77$3,803,847$0$0$2,321,393
78$4,003,338$0$0$2,444,560
79$4,217,239$0$0$2,576,712
80$4,446,833$0$0$2,718,652
81$4,693,529$0$0$2,871,262
82$4,958,870$0$0$3,035,510
83$5,244,554$0$0$3,212,460
84$5,552,444$0$0$3,403,280
85$5,884,586$0$0$3,609,252
86$6,243,230$0$0$3,831,787
87$6,630,845$0$0$4,072,434
88$7,050,148$0$0$4,332,896
89$7,504,123$0$0$4,615,044
90$7,996,050$0$0$4,920,938
91$8,529,540$0$0$5,252,841
92$9,108,559$0$0$5,613,241
93$9,737,472$0$0$6,004,878
94$10,421,079$0$0$6,430,763
95$11,164,661$0$0$6,894,210
96$11,974,028$0$0$7,398,865
97$12,855,574$0$0$7,948,740
98$13,816,333$0$0$8,548,251
99$14,864,049$0$0$9,202,258
100$16,007,243$0$0$9,916,108