Can I retire at age 35 with 676,000?

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 $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%15.3%
1 years$55,823$55,326$54,841$54,368$53,905$52,731
2 years$27,635$27,121$26,622$26,138$25,669$24,492
3 years$18,241$17,724$17,226$16,747$16,286$15,142
4 years$13,544$13,029$12,536$12,065$11,615$10,514
5 years$10,727$10,215$9,729$9,267$8,830$7,774
6 years$8,849$8,341$7,862$7,411$6,987$5,978
7 years$7,509$7,005$6,533$6,093$5,682$4,721
8 years$6,504$6,004$5,541$5,111$4,714$3,799
9 years$5,723$5,228$4,772$4,354$3,970$3,101
10 years$5,098$4,608$4,161$3,753$3,382$2,559
11 years$4,587$4,102$3,663$3,266$2,909$2,130
12 years$4,162$3,682$3,251$2,865$2,521$1,785
13 years$3,803$3,328$2,904$2,529$2,198$1,504
14 years$3,495$3,025$2,610$2,245$1,927$1,273
15 years$3,228$2,763$2,356$2,002$1,697$1,081
16 years$2,995$2,535$2,136$1,793$1,499$921
17 years$2,789$2,335$1,944$1,611$1,330$787
18 years$2,607$2,157$1,774$1,452$1,182$674
19 years$2,444$1,999$1,624$1,312$1,054$578
20 years$2,298$1,858$1,491$1,188$941$497
21 years$2,165$1,731$1,371$1,078$842$427
22 years$2,045$1,615$1,264$980$755$368
23 years$1,935$1,511$1,167$893$678$317
24 years$1,835$1,416$1,079$814$609$274
25 years$1,743$1,328$1,000$744$548$236
26 years$1,658$1,249$927$680$494$204
27 years$1,579$1,175$861$622$445$177
28 years$1,507$1,107$800$570$402$153
29 years$1,439$1,045$745$523$363$132
30 years$1,376$986$694$480$328$114
31 years$1,317$933$647$441$296$99
32 years$1,262$882$603$405$268$86
33 years$1,211$836$563$373$243$74
34 years$1,162$792$526$343$220$64
35 years$1,117$751$492$316$199$56
36 years$1,074$713$460$291$180$48
37 years$1,033$677$431$268$163$42
38 years$995$644$404$247$148$36
39 years$959$612$378$228$134$31
40 years$924$582$354$210$122$27
41 years$892$554$332$194$110$24
42 years$861$528$312$179$100$20
43 years$831$503$292$165$91$18
44 years$803$479$275$152$83$15
45 years$776$457$258$141$75$13
46 years$751$436$242$130$68$12
47 years$727$416$227$120$62$10
48 years$703$397$214$111$56$9
49 years$681$379$201$103$51$8
50 years$660$362$189$95$46$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $676,000, adding $4,279 every year, while hoping to spend $23,096 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: 34/38/28 Blend
34$676,000$676,000$676,000$676,000
35$749,366$713,538$703,060$768,378
36$801,227$723,927$702,038$793,472
37$857,604$734,052$700,209$818,150
38$918,933$743,874$697,519$844,316
39$985,694$753,353$693,916$872,118
40$1,058,416$762,448$689,342$901,720
41$1,137,678$771,112$683,739$933,305
42$1,224,121$779,296$677,045$967,075
43$1,318,449$786,950$669,193$1,003,255
44$1,421,437$794,016$660,117$1,042,093
45$1,533,937$800,437$649,745$1,083,865
46$1,656,890$806,149$638,002$1,128,876
47$1,791,327$811,085$624,810$1,177,463
48$1,938,389$815,174$610,087$1,230,002
49$2,099,328$818,341$593,748$1,286,907
50$2,275,524$820,504$575,703$1,348,637
51$2,468,497$821,578$555,859$1,415,701
52$2,679,920$821,473$534,118$1,488,661
53$2,911,638$820,091$510,376$1,568,139
54$3,165,679$817,329$484,528$1,654,825
55$3,444,280$813,080$456,461$1,749,480
56$3,749,902$807,227$426,058$1,852,947
57$4,085,259$799,647$393,198$1,966,158
58$4,453,337$790,212$357,752$2,090,144
59$4,857,428$778,783$319,587$2,226,045
60$5,301,156$765,214$278,564$2,375,120
61$5,788,515$749,350$234,537$2,538,762
62$6,323,904$731,029$187,354$2,718,509
63$6,912,169$710,076$136,857$2,916,064
64$7,558,649$686,308$82,880$3,133,305
65$8,269,224$659,530$25,250$3,372,308
66$9,050,376$629,538$0$3,635,368
67$9,909,242$596,114$0$3,935,847
68$10,853,689$559,027$0$4,274,470
69$11,892,380$518,034$0$4,646,833
70$13,034,864$472,879$0$5,056,411
71$14,291,659$423,289$0$5,507,035
72$15,674,355$368,977$0$6,002,935
73$17,195,722$309,640$0$6,548,772
74$18,869,830$244,957$0$7,149,689
75$20,712,182$174,588$0$7,811,361
76$22,739,859$98,177$0$8,540,044
77$24,971,682$15,346$0$9,342,638
78$27,428,390$0$0$10,226,755
79$30,132,836$0$0$11,231,859
80$33,110,197$0$0$12,345,580
81$36,388,219$0$0$13,571,895
82$39,997,474$0$0$14,922,256
83$43,971,649$0$0$16,409,284
84$48,347,864$0$0$18,046,885
85$53,167,024$0$0$19,850,383
86$58,474,199$0$0$21,836,663
87$64,319,057$0$0$24,024,332
88$70,756,326$0$0$26,433,894
89$77,846,313$0$0$29,087,942
90$85,655,473$0$0$32,011,373
91$94,257,035$0$0$35,231,623
92$103,731,696$0$0$38,778,924
93$114,168,376$0$0$42,686,590
94$125,665,062$0$0$46,991,333
95$138,329,733$0$0$51,733,607
96$152,281,376$0$0$56,957,992
97$167,651,110$0$0$62,713,612
98$184,583,423$0$0$69,054,601
99$203,237,538$0$0$76,040,613
100$223,788,909$0$0$83,737,386