Can I retire at age 35 with 679,000?

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 $679,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$56,071$55,572$55,084$54,609$54,144$53,401
2 years$27,758$27,241$26,740$26,254$25,783$25,036
3 years$18,322$17,802$17,303$16,821$16,358$15,630
4 years$13,604$13,087$12,592$12,119$11,667$10,963
5 years$10,775$10,260$9,772$9,308$8,869$8,192
6 years$8,889$8,378$7,897$7,444$7,018$6,368
7 years$7,542$7,036$6,562$6,120$5,707$5,085
8 years$6,533$6,031$5,566$5,134$4,735$4,140
9 years$5,748$5,251$4,794$4,373$3,987$3,420
10 years$5,121$4,629$4,179$3,770$3,397$2,857
11 years$4,608$4,121$3,679$3,281$2,922$2,408
12 years$4,181$3,698$3,265$2,878$2,532$2,044
13 years$3,819$3,342$2,917$2,541$2,208$1,745
14 years$3,510$3,038$2,621$2,255$1,935$1,497
15 years$3,242$2,775$2,367$2,011$1,704$1,289
16 years$3,008$2,546$2,146$1,801$1,506$1,114
17 years$2,802$2,345$1,952$1,618$1,335$966
18 years$2,619$2,167$1,782$1,458$1,187$839
19 years$2,455$2,008$1,632$1,318$1,058$730
20 years$2,308$1,866$1,497$1,193$945$637
21 years$2,175$1,738$1,377$1,083$846$556
22 years$2,054$1,623$1,269$985$758$487
23 years$1,944$1,518$1,172$897$681$426
24 years$1,843$1,422$1,084$818$612$373
25 years$1,751$1,334$1,004$747$551$328
26 years$1,665$1,254$931$683$496$288
27 years$1,586$1,180$865$625$447$253
28 years$1,513$1,112$804$573$403$222
29 years$1,445$1,049$748$525$364$195
30 years$1,382$991$697$482$329$172
31 years$1,323$937$650$443$298$151
32 years$1,268$886$606$407$269$133
33 years$1,216$839$566$374$244$117
34 years$1,167$795$529$344$221$103
35 years$1,122$755$494$317$200$91
36 years$1,078$716$462$292$181$80
37 years$1,038$680$433$269$164$71
38 years$999$646$405$248$149$62
39 years$963$615$380$229$135$55
40 years$928$585$356$211$122$48
41 years$896$557$334$194$111$43
42 years$864$530$313$179$101$38
43 years$835$505$294$166$91$33
44 years$807$482$276$153$83$29
45 years$780$459$259$141$75$26
46 years$754$438$243$131$68$23
47 years$730$418$228$121$62$20
48 years$707$399$215$111$56$18
49 years$684$381$202$103$51$16
50 years$663$364$190$95$47$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $679,000, adding $2,572 every year, while hoping to spend $26,789 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: 30/41/29 Blend
34$679,000$679,000$679,000$679,000
35$750,911$714,924$704,400$766,692
36$799,001$721,452$699,494$785,809
37$851,098$727,402$693,526$803,857
38$907,582$732,717$686,431$822,747
39$968,873$737,338$678,144$842,571
40$1,035,430$741,200$668,594$863,433
41$1,107,760$744,234$657,708$885,448
42$1,186,418$746,368$645,408$908,748
43$1,272,018$747,526$631,615$933,476
44$1,365,234$747,625$616,244$959,797
45$1,466,808$746,578$599,207$987,890
46$1,577,554$744,293$580,413$1,017,959
47$1,698,373$740,671$559,765$1,050,229
48$1,830,252$735,609$537,162$1,084,953
49$1,974,281$728,997$512,500$1,122,412
50$2,131,656$720,716$485,668$1,162,918
51$2,303,698$710,644$456,550$1,206,820
52$2,491,858$698,649$425,028$1,254,505
53$2,697,736$684,591$390,975$1,306,405
54$2,923,092$668,323$354,259$1,362,999
55$3,169,866$649,689$314,745$1,424,820
56$3,440,192$628,524$272,289$1,492,460
57$3,736,421$604,651$226,740$1,566,575
58$4,061,144$577,887$177,944$1,647,897
59$4,417,212$548,035$125,737$1,737,234
60$4,807,767$514,888$69,948$1,835,485
61$5,236,269$478,227$10,401$1,943,647
62$5,706,528$437,820$0$2,062,824
63$6,222,743$393,422$0$2,210,686
64$6,789,537$344,774$0$2,376,649
65$7,412,004$291,602$0$2,559,056
66$8,095,756$233,618$0$2,759,639
67$8,846,975$170,517$0$2,980,307
68$9,672,469$101,975$0$3,223,174
69$10,579,741$27,652$0$3,490,573
70$11,577,057$0$0$3,785,082
71$12,673,521$0$0$4,133,372
72$13,879,167$0$0$4,530,179
73$15,205,046$0$0$4,966,679
74$16,663,336$0$0$5,446,896
75$18,267,454$0$0$5,975,264
76$20,032,183$0$0$6,556,669
77$21,973,809$0$0$7,196,493
78$24,110,280$0$0$7,900,666
79$26,461,367$0$0$8,675,725
80$29,048,858$0$0$9,528,868
81$31,896,758$0$0$10,468,032
82$35,031,520$0$0$11,501,957
83$38,482,288$0$0$12,640,278
84$42,281,177$0$0$13,893,609
85$46,463,574$0$0$15,273,646
86$51,068,472$0$0$16,793,278
87$56,138,836$0$0$18,466,707
88$61,722,011$0$0$20,309,582
89$67,870,165$0$0$22,339,146
90$74,640,785$0$0$24,574,403
91$82,097,217$0$0$27,036,292
92$90,309,261$0$0$29,747,884
93$99,353,834$0$0$32,734,607
94$109,315,695$0$0$36,024,477
95$120,288,240$0$0$39,648,369
96$132,374,388$0$0$43,640,304
97$145,687,551$0$0$48,037,771
98$160,352,703$0$0$52,882,085
99$176,507,558$0$0$58,218,768
100$194,303,872$0$0$64,097,989