Can I retire at age 35 with 676,000?

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 $676,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$55,823$55,326$54,841$54,368$53,905$51,910
2 years$27,635$27,121$26,622$26,138$25,669$23,682
3 years$18,241$17,724$17,226$16,747$16,286$14,368
4 years$13,544$13,029$12,536$12,065$11,615$9,782
5 years$10,727$10,215$9,729$9,267$8,830$7,086
6 years$8,849$8,341$7,862$7,411$6,987$5,334
7 years$7,509$7,005$6,533$6,093$5,682$4,120
8 years$6,504$6,004$5,541$5,111$4,714$3,240
9 years$5,723$5,228$4,772$4,354$3,970$2,583
10 years$5,098$4,608$4,161$3,753$3,382$2,080
11 years$4,587$4,102$3,663$3,266$2,909$1,688
12 years$4,162$3,682$3,251$2,865$2,521$1,379
13 years$3,803$3,328$2,904$2,529$2,198$1,132
14 years$3,495$3,025$2,610$2,245$1,927$932
15 years$3,228$2,763$2,356$2,002$1,697$770
16 years$2,995$2,535$2,136$1,793$1,499$638
17 years$2,789$2,335$1,944$1,611$1,330$530
18 years$2,607$2,157$1,774$1,452$1,182$441
19 years$2,444$1,999$1,624$1,312$1,054$367
20 years$2,298$1,858$1,491$1,188$941$306
21 years$2,165$1,731$1,371$1,078$842$256
22 years$2,045$1,615$1,264$980$755$214
23 years$1,935$1,511$1,167$893$678$179
24 years$1,835$1,416$1,079$814$609$149
25 years$1,743$1,328$1,000$744$548$125
26 years$1,658$1,249$927$680$494$105
27 years$1,579$1,175$861$622$445$88
28 years$1,507$1,107$800$570$402$73
29 years$1,439$1,045$745$523$363$62
30 years$1,376$986$694$480$328$52
31 years$1,317$933$647$441$296$43
32 years$1,262$882$603$405$268$36
33 years$1,211$836$563$373$243$30
34 years$1,162$792$526$343$220$25
35 years$1,117$751$492$316$199$21
36 years$1,074$713$460$291$180$18
37 years$1,033$677$431$268$163$15
38 years$995$644$404$247$148$13
39 years$959$612$378$228$134$11
40 years$924$582$354$210$122$9
41 years$892$554$332$194$110$7
42 years$861$528$312$179$100$6
43 years$831$503$292$165$91$5
44 years$803$479$275$152$83$4
45 years$776$457$258$141$75$4
46 years$751$436$242$130$68$3
47 years$727$416$227$120$62$3
48 years$703$397$214$111$56$2
49 years$681$379$201$103$51$2
50 years$660$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 $676,000, adding $4,739 every year, while hoping to spend $36,970 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: 55/22/23 Blend
34$676,000$676,000$676,000$676,000
35$749,840$714,012$703,534$786,127
36$786,988$709,663$687,767$807,189
37$826,686$703,862$670,232$825,835
38$869,155$696,498$650,832$845,360
39$914,638$687,455$629,464$865,859
40$963,399$676,609$606,019$887,439
41$1,015,732$663,829$580,387$910,221
42$1,071,956$648,976$552,449$934,337
43$1,132,422$631,902$522,083$959,938
44$1,197,516$612,452$489,160$987,192
45$1,267,662$590,462$453,545$1,016,285
46$1,343,324$565,755$415,100$1,047,426
47$1,425,015$538,149$373,678$1,080,847
48$1,513,295$507,447$329,124$1,116,808
49$1,608,782$473,442$281,281$1,155,596
50$1,712,154$435,917$229,980$1,197,534
51$1,824,158$394,641$175,048$1,242,979
52$1,945,612$349,369$116,303$1,292,328
53$2,077,420$299,843$53,554$1,346,023
54$2,220,573$245,792$0$1,404,556
55$2,376,162$186,926$0$1,471,764
56$2,545,388$122,943$0$1,559,201
57$2,729,570$53,520$0$1,654,437
58$2,930,163$0$0$1,758,274
59$3,148,765$0$0$1,876,846
60$3,387,135$0$0$2,020,326
61$3,647,211$0$0$2,176,931
62$3,931,124$0$0$2,347,951
63$4,241,221$0$0$2,534,807
64$4,580,085$0$0$2,739,065
65$4,950,561$0$0$2,962,447
66$5,355,779$0$0$3,206,850
67$5,799,188$0$0$3,474,363
68$6,284,583$0$0$3,767,285
69$6,816,146$0$0$4,088,148
70$7,398,481$0$0$4,439,743
71$8,036,657$0$0$4,825,141
72$8,736,258$0$0$5,247,724
73$9,503,434$0$0$5,711,218
74$10,344,958$0$0$6,219,729
75$11,268,292$0$0$6,777,775
76$12,281,652$0$0$7,390,336
77$13,394,090$0$0$8,062,898
78$14,615,578$0$0$8,801,501
79$15,957,100$0$0$9,612,802
80$17,430,755$0$0$10,504,132
81$19,049,873$0$0$11,483,569
82$20,829,137$0$0$12,560,011
83$22,784,727$0$0$13,743,261
84$24,934,464$0$0$15,044,119
85$27,297,983$0$0$16,474,486
86$29,896,917$0$0$18,047,469
87$32,755,101$0$0$19,777,513
88$35,898,794$0$0$21,680,532
89$39,356,927$0$0$23,774,058
90$43,161,379$0$0$26,077,410
91$47,347,271$0$0$28,611,874
92$51,953,302$0$0$31,400,903
93$57,022,111$0$0$34,470,336
94$62,600,680$0$0$37,848,648
95$68,740,777$0$0$41,567,211
96$75,499,440$0$0$45,660,595
97$82,939,521$0$0$50,166,890
98$91,130,273$0$0$55,128,068
99$100,148,005$0$0$60,590,377
100$110,076,803$0$0$66,604,778