Can I retire at age 35 with 678,000?

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 $678,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$55,989$55,490$55,003$54,528$54,065$52,481
2 years$27,717$27,201$26,701$26,216$25,745$24,163
3 years$18,295$17,776$17,277$16,797$16,334$14,802
4 years$13,584$13,067$12,573$12,101$11,649$10,180
5 years$10,759$10,245$9,757$9,295$8,856$7,452
6 years$8,876$8,366$7,885$7,433$7,007$5,672
7 years$7,531$7,026$6,553$6,111$5,699$4,431
8 years$6,523$6,022$5,557$5,126$4,728$3,526
9 years$5,740$5,243$4,787$4,367$3,981$2,846
10 years$5,113$4,622$4,173$3,764$3,392$2,321
11 years$4,601$4,115$3,674$3,276$2,917$1,908
12 years$4,174$3,693$3,260$2,873$2,528$1,579
13 years$3,814$3,337$2,913$2,537$2,205$1,314
14 years$3,505$3,034$2,617$2,252$1,933$1,097
15 years$3,238$2,771$2,363$2,008$1,702$920
16 years$3,004$2,543$2,142$1,798$1,504$773
17 years$2,798$2,342$1,950$1,616$1,333$652
18 years$2,615$2,164$1,780$1,456$1,186$550
19 years$2,451$2,005$1,629$1,316$1,057$465
20 years$2,304$1,863$1,495$1,192$944$394
21 years$2,172$1,736$1,375$1,081$845$334
22 years$2,051$1,620$1,268$983$757$284
23 years$1,941$1,515$1,170$895$680$241
24 years$1,840$1,420$1,082$817$611$205
25 years$1,748$1,332$1,003$746$550$174
26 years$1,663$1,252$930$682$495$148
27 years$1,584$1,179$863$624$446$126
28 years$1,511$1,111$803$572$403$107
29 years$1,443$1,048$747$524$364$91
30 years$1,380$989$696$481$329$78
31 years$1,321$935$649$442$297$66
32 years$1,266$885$605$406$269$57
33 years$1,214$838$565$374$243$48
34 years$1,166$794$528$344$220$41
35 years$1,120$753$494$316$199$35
36 years$1,077$715$462$291$181$30
37 years$1,036$679$432$269$164$25
38 years$998$645$405$248$149$22
39 years$961$614$379$228$135$19
40 years$927$584$355$210$122$16
41 years$894$556$333$194$111$13
42 years$863$529$313$179$101$12
43 years$834$504$293$165$91$10
44 years$806$481$275$153$83$8
45 years$779$458$259$141$75$7
46 years$753$437$243$130$68$6
47 years$729$417$228$120$62$5
48 years$706$398$214$111$56$4
49 years$683$381$202$103$51$4
50 years$662$363$189$95$46$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $678,000, adding $2,884 every year, while hoping to spend $39,197 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: 58/22/20 Blend
34$678,000$678,000$678,000$678,000
35$750,131$714,197$703,688$789,500
36$784,939$707,487$685,556$809,876
37$821,984$699,135$665,503$827,582
38$861,452$689,019$643,423$846,014
39$903,548$677,009$619,206$865,250
40$948,496$662,968$592,736$885,378
41$996,542$646,753$563,892$906,496
42$1,047,954$628,209$532,547$928,716
43$1,103,028$607,173$498,570$952,161
44$1,162,087$583,475$461,822$976,969
45$1,225,487$556,932$422,160$1,003,297
46$1,293,616$527,352$379,432$1,031,317
47$1,366,904$494,531$333,482$1,061,224
48$1,445,819$458,253$284,144$1,093,235
49$1,530,877$418,292$231,248$1,127,591
50$1,622,645$374,407$174,613$1,164,562
51$1,721,745$326,344$114,053$1,204,449
52$1,828,862$273,833$49,373$1,247,586
53$1,944,747$216,592$0$1,294,347
54$2,070,226$154,320$0$1,349,340
55$2,206,208$86,701$0$1,420,351
56$2,353,692$13,400$0$1,497,392
57$2,513,777$0$0$1,581,086
58$2,687,671$0$0$1,688,078
59$2,876,703$0$0$1,807,962
60$3,082,335$0$0$1,938,426
61$3,306,176$0$0$2,080,499
62$3,549,996$0$0$2,235,310
63$3,815,744$0$0$2,404,103
64$4,105,563$0$0$2,588,249
65$4,421,813$0$0$2,789,253
66$4,767,090$0$0$3,008,776
67$5,144,256$0$0$3,248,643
68$5,556,456$0$0$3,510,865
69$6,007,156$0$0$3,797,655
70$6,500,172$0$0$4,111,452
71$7,039,704$0$0$4,454,939
72$7,630,379$0$0$4,831,071
73$8,277,291$0$0$5,243,103
74$8,986,049$0$0$5,694,620
75$9,762,831$0$0$6,189,567
76$10,614,441$0$0$6,732,293
77$11,548,373$0$0$7,327,587
78$12,572,881$0$0$7,980,720
79$13,697,056$0$0$8,697,504
80$14,930,912$0$0$9,484,336
81$16,285,478$0$0$10,348,266
82$17,772,907$0$0$11,297,057
83$19,406,581$0$0$12,339,262
84$21,201,247$0$0$13,484,304
85$23,173,148$0$0$14,742,564
86$25,340,178$0$0$16,125,475
87$27,722,050$0$0$17,645,638
88$30,340,485$0$0$19,316,932
89$33,219,410$0$0$21,154,647
90$36,385,188$0$0$23,175,633
91$39,866,863$0$0$25,398,450
92$43,696,435$0$0$27,843,550
93$47,909,164$0$0$30,533,465
94$52,543,895$0$0$33,493,023
95$57,643,430$0$0$36,749,578
96$63,254,930$0$0$40,333,269
97$69,430,357$0$0$44,277,307
98$76,226,966$0$0$48,618,284
99$83,707,841$0$0$53,396,518
100$91,942,497$0$0$58,656,435