Can I retire at age 35 with 679,000?

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 $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%14.7%
1 years$56,071$55,572$55,084$54,609$54,144$53,095
2 years$27,758$27,241$26,740$26,254$25,783$24,730
3 years$18,322$17,802$17,303$16,821$16,358$15,334
4 years$13,604$13,087$12,592$12,119$11,667$10,680
5 years$10,775$10,260$9,772$9,308$8,869$7,922
6 years$8,889$8,378$7,897$7,444$7,018$6,111
7 years$7,542$7,036$6,562$6,120$5,707$4,842
8 years$6,533$6,031$5,566$5,134$4,735$3,911
9 years$5,748$5,251$4,794$4,373$3,987$3,204
10 years$5,121$4,629$4,179$3,770$3,397$2,654
11 years$4,608$4,121$3,679$3,281$2,922$2,217
12 years$4,181$3,698$3,265$2,878$2,532$1,865
13 years$3,819$3,342$2,917$2,541$2,208$1,578
14 years$3,510$3,038$2,621$2,255$1,935$1,341
15 years$3,242$2,775$2,367$2,011$1,704$1,144
16 years$3,008$2,546$2,146$1,801$1,506$979
17 years$2,802$2,345$1,952$1,618$1,335$840
18 years$2,619$2,167$1,782$1,458$1,187$722
19 years$2,455$2,008$1,632$1,318$1,058$622
20 years$2,308$1,866$1,497$1,193$945$537
21 years$2,175$1,738$1,377$1,083$846$464
22 years$2,054$1,623$1,269$985$758$402
23 years$1,944$1,518$1,172$897$681$348
24 years$1,843$1,422$1,084$818$612$302
25 years$1,751$1,334$1,004$747$551$262
26 years$1,665$1,254$931$683$496$227
27 years$1,586$1,180$865$625$447$197
28 years$1,513$1,112$804$573$403$171
29 years$1,445$1,049$748$525$364$149
30 years$1,382$991$697$482$329$130
31 years$1,323$937$650$443$298$113
32 years$1,268$886$606$407$269$98
33 years$1,216$839$566$374$244$85
34 years$1,167$795$529$344$221$74
35 years$1,122$755$494$317$200$65
36 years$1,078$716$462$292$181$56
37 years$1,038$680$433$269$164$49
38 years$999$646$405$248$149$43
39 years$963$615$380$229$135$37
40 years$928$585$356$211$122$32
41 years$896$557$334$194$111$28
42 years$864$530$313$179$101$25
43 years$835$505$294$166$91$21
44 years$807$482$276$153$83$19
45 years$780$459$259$141$75$16
46 years$754$438$243$131$68$14
47 years$730$418$228$121$62$12
48 years$707$399$215$111$56$11
49 years$684$381$202$103$51$9
50 years$663$364$190$95$47$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $679,000, adding $3,705 every year, while hoping to spend $27,768 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: 46/42/12 Blend
34$679,000$679,000$679,000$679,000
35$752,080$716,093$705,568$783,972
36$799,247$721,636$699,660$811,978
37$850,294$726,521$692,623$839,201
38$905,589$730,685$684,390$868,113
39$965,533$734,063$674,891$898,881
40$1,030,570$736,584$664,053$931,689
41$1,101,188$738,176$651,798$966,743
42$1,177,921$738,759$638,046$1,004,270
43$1,261,361$738,250$622,712$1,044,521
44$1,352,155$736,559$605,707$1,087,775
45$1,451,017$733,593$586,941$1,134,342
46$1,558,732$729,251$566,316$1,184,562
47$1,676,166$723,427$543,730$1,238,815
48$1,804,269$716,009$519,079$1,297,521
49$1,944,088$706,877$492,252$1,361,145
50$2,096,776$695,905$463,133$1,430,199
51$2,263,601$682,959$431,602$1,505,255
52$2,445,961$667,896$397,533$1,586,941
53$2,645,392$650,566$360,794$1,675,954
54$2,863,589$630,811$321,247$1,773,067
55$3,102,415$608,461$278,749$1,879,132
56$3,363,924$583,338$233,150$1,995,092
57$3,650,377$555,254$184,293$2,121,991
58$3,964,262$524,008$132,014$2,260,984
59$4,308,323$489,390$76,142$2,413,346
60$4,685,578$451,177$16,499$2,580,487
61$5,099,355$409,132$0$2,763,967
62$5,553,315$363,006$0$2,971,546
63$6,051,496$312,536$0$3,201,738
64$6,598,340$257,442$0$3,454,558
65$7,198,745$197,431$0$3,732,359
66$7,858,104$132,192$0$4,037,738
67$8,582,357$61,396$0$4,373,561
68$9,378,050$0$0$4,742,994
69$10,252,393$0$0$5,156,603
70$11,213,329$0$0$5,642,444
71$12,269,609$0$0$6,176,576
72$13,430,875$0$0$6,763,886
73$14,707,746$0$0$7,409,756
74$16,111,927$0$0$8,120,118
75$17,656,310$0$0$8,901,505
76$19,355,100$0$0$9,761,118
77$21,223,949$0$0$10,706,888
78$23,280,102$0$0$11,747,556
79$25,542,558$0$0$12,892,752
80$28,032,253$0$0$14,153,087
81$30,772,255$0$0$15,540,253
82$33,787,978$0$0$17,067,130
83$37,107,430$0$0$18,747,916
84$40,761,468$0$0$20,598,249
85$44,784,094$0$0$22,635,365
86$49,212,773$0$0$24,878,254
87$54,088,790$0$0$27,347,841
88$59,457,635$0$0$30,067,184
89$65,369,433$0$0$33,061,691
90$71,879,419$0$0$36,359,358
91$79,048,456$0$0$39,991,037
92$86,943,611$0$0$43,990,722
93$95,638,786$0$0$48,395,875
94$105,215,418$0$0$53,247,773
95$115,763,242$0$0$58,591,903
96$127,381,144$0$0$64,478,389
97$140,178,088$0$0$70,962,466
98$154,274,149$0$0$78,104,998
99$169,801,641$0$0$85,973,055
100$186,906,371$0$0$94,640,547