Can I retire at age 35 with 678,000?

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 $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%13%
1 years$55,989$55,490$55,003$54,528$54,065$53,389
2 years$27,717$27,201$26,701$26,216$25,745$25,065
3 years$18,295$17,776$17,277$16,797$16,334$15,671
4 years$13,584$13,067$12,573$12,101$11,649$11,009
5 years$10,759$10,245$9,757$9,295$8,856$8,239
6 years$8,876$8,366$7,885$7,433$7,007$6,415
7 years$7,531$7,026$6,553$6,111$5,699$5,131
8 years$6,523$6,022$5,557$5,126$4,728$4,185
9 years$5,740$5,243$4,787$4,367$3,981$3,463
10 years$5,113$4,622$4,173$3,764$3,392$2,898
11 years$4,601$4,115$3,674$3,276$2,917$2,447
12 years$4,174$3,693$3,260$2,873$2,528$2,081
13 years$3,814$3,337$2,913$2,537$2,205$1,781
14 years$3,505$3,034$2,617$2,252$1,933$1,531
15 years$3,238$2,771$2,363$2,008$1,702$1,321
16 years$3,004$2,543$2,142$1,798$1,504$1,144
17 years$2,798$2,342$1,950$1,616$1,333$993
18 years$2,615$2,164$1,780$1,456$1,186$865
19 years$2,451$2,005$1,629$1,316$1,057$755
20 years$2,304$1,863$1,495$1,192$944$660
21 years$2,172$1,736$1,375$1,081$845$577
22 years$2,051$1,620$1,268$983$757$506
23 years$1,941$1,515$1,170$895$680$444
24 years$1,840$1,420$1,082$817$611$390
25 years$1,748$1,332$1,003$746$550$343
26 years$1,663$1,252$930$682$495$302
27 years$1,584$1,179$863$624$446$266
28 years$1,511$1,111$803$572$403$234
29 years$1,443$1,048$747$524$364$206
30 years$1,380$989$696$481$329$182
31 years$1,321$935$649$442$297$161
32 years$1,266$885$605$406$269$142
33 years$1,214$838$565$374$243$125
34 years$1,166$794$528$344$220$111
35 years$1,120$753$494$316$199$98
36 years$1,077$715$462$291$181$86
37 years$1,036$679$432$269$164$76
38 years$998$645$405$248$149$67
39 years$961$614$379$228$135$60
40 years$927$584$355$210$122$53
41 years$894$556$333$194$111$47
42 years$863$529$313$179$101$41
43 years$834$504$293$165$91$36
44 years$806$481$275$153$83$32
45 years$779$458$259$141$75$28
46 years$753$437$243$130$68$25
47 years$729$417$228$120$62$22
48 years$706$398$214$111$56$20
49 years$683$381$202$103$51$17
50 years$662$363$189$95$46$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $678,000, adding $2,494 every year, while hoping to spend $28,399 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: 33/49/18 Blend
34$678,000$678,000$678,000$678,000
35$749,729$713,795$703,286$770,212
36$795,985$718,554$696,629$790,331
37$846,007$722,595$688,798$809,203
38$900,150$725,852$679,723$828,941
39$958,802$728,257$669,331$849,637
40$1,022,393$729,734$657,546$871,396
41$1,091,392$730,206$644,289$894,334
42$1,166,318$729,590$629,477$918,580
43$1,247,739$727,797$613,022$944,280
44$1,336,284$724,734$594,833$971,597
45$1,432,639$720,300$574,814$1,000,712
46$1,537,565$714,392$552,867$1,031,830
47$1,651,895$706,895$528,887$1,065,176
48$1,776,548$697,693$502,764$1,101,003
49$1,912,535$686,659$474,386$1,139,593
50$2,060,968$673,660$443,632$1,181,260
51$2,223,072$658,554$410,379$1,226,353
52$2,400,195$641,193$374,496$1,275,263
53$2,593,821$621,417$335,847$1,328,422
54$2,805,584$599,060$294,292$1,386,312
55$3,037,283$573,944$249,681$1,449,469
56$3,290,900$545,882$201,859$1,518,488
57$3,568,617$514,674$150,666$1,594,031
58$3,872,834$480,112$95,932$1,676,832
59$4,206,199$441,973$37,481$1,767,706
60$4,571,625$400,023$0$1,867,558
61$4,972,320$354,014$0$1,982,175
62$5,411,820$303,684$0$2,115,880
63$5,894,017$248,755$0$2,262,741
64$6,423,198$188,936$0$2,424,167
65$7,004,088$123,918$0$2,601,716
66$7,641,890$53,374$0$2,797,112
67$8,342,333$0$0$3,012,263
68$9,111,733$0$0$3,261,699
69$9,957,043$0$0$3,567,471
70$10,885,926$0$0$3,903,583
71$11,906,823$0$0$4,273,104
72$13,029,033$0$0$4,679,413
73$14,262,802$0$0$5,126,236
74$15,619,417$0$0$5,617,674
75$17,111,313$0$0$6,158,249
76$18,752,193$0$0$6,752,941
77$20,557,151$0$0$7,407,238
78$22,542,820$0$0$8,127,186
79$24,727,526$0$0$8,919,448
80$27,131,460$0$0$9,791,364
81$29,776,869$0$0$10,751,023
82$32,688,268$0$0$11,807,337
83$35,892,665$0$0$12,970,126
84$39,419,822$0$0$14,250,210
85$43,302,531$0$0$15,659,512
86$47,576,926$0$0$17,211,170
87$52,282,821$0$0$18,919,660
88$57,464,089$0$0$20,800,934
89$63,169,071$0$0$22,872,570
90$69,451,037$0$0$25,153,935
91$76,368,682$0$0$27,666,373
92$83,986,688$0$0$30,433,403
93$92,376,324$0$0$33,480,938
94$101,616,127$0$0$36,837,537
95$111,792,639$0$0$40,534,667
96$123,001,223$0$0$44,607,006
97$135,346,963$0$0$49,092,764
98$148,945,656$0$0$54,034,048
99$163,924,906$0$0$59,477,258
100$180,425,322$0$0$65,473,526