Can I retire at age 35 with 680,000?

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 $680,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.2%
1 years$56,154$55,654$55,166$54,689$54,224$52,217
2 years$27,799$27,281$26,779$26,293$25,821$23,822
3 years$18,349$17,829$17,328$16,846$16,382$14,453
4 years$13,624$13,106$12,610$12,137$11,684$9,840
5 years$10,790$10,275$9,786$9,322$8,882$7,128
6 years$8,902$8,390$7,909$7,455$7,028$5,366
7 years$7,553$7,046$6,572$6,129$5,716$4,144
8 years$6,542$6,040$5,574$5,142$4,742$3,260
9 years$5,757$5,259$4,801$4,379$3,993$2,598
10 years$5,128$4,635$4,185$3,775$3,402$2,093
11 years$4,615$4,127$3,685$3,286$2,926$1,698
12 years$4,187$3,704$3,270$2,882$2,536$1,387
13 years$3,825$3,347$2,922$2,544$2,211$1,138
14 years$3,515$3,043$2,625$2,258$1,938$938
15 years$3,247$2,779$2,370$2,014$1,707$775
16 years$3,013$2,550$2,149$1,803$1,508$642
17 years$2,806$2,348$1,955$1,620$1,337$533
18 years$2,622$2,170$1,785$1,460$1,189$444
19 years$2,459$2,011$1,634$1,320$1,060$369
20 years$2,311$1,869$1,500$1,195$947$308
21 years$2,178$1,741$1,379$1,085$847$257
22 years$2,057$1,625$1,271$986$759$215
23 years$1,947$1,520$1,174$898$682$180
24 years$1,846$1,424$1,086$819$613$150
25 years$1,753$1,336$1,005$748$551$126
26 years$1,668$1,256$933$684$497$105
27 years$1,589$1,182$866$626$448$88
28 years$1,516$1,114$805$574$404$74
29 years$1,448$1,051$749$526$365$62
30 years$1,384$992$698$483$330$52
31 years$1,325$938$651$443$298$43
32 years$1,270$888$607$407$270$36
33 years$1,218$841$567$375$244$31
34 years$1,169$797$530$345$221$26
35 years$1,123$756$495$317$200$21
36 years$1,080$717$463$292$181$18
37 years$1,039$681$433$269$164$15
38 years$1,001$647$406$248$149$13
39 years$964$616$380$229$135$11
40 years$930$586$356$211$123$9
41 years$897$558$334$195$111$7
42 years$866$531$314$180$101$6
43 years$836$506$294$166$92$5
44 years$808$482$276$153$83$4
45 years$781$460$259$141$75$4
46 years$755$439$244$131$68$3
47 years$731$419$229$121$62$3
48 years$708$400$215$112$56$2
49 years$685$382$202$103$51$2
50 years$664$365$190$95$47$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $680,000, adding $5,093 every year, while hoping to spend $35,574 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: 44/30/26 Blend
34$680,000$680,000$680,000$680,000
35$754,613$718,573$708,033$781,929
36$793,734$715,933$693,902$799,213
37$835,652$711,971$678,105$814,128
38$880,615$706,585$660,549$829,601
39$928,897$699,667$641,136$845,705
40$980,795$691,100$619,765$862,520
41$1,036,636$680,765$596,327$880,138
42$1,096,782$668,531$570,712$898,664
43$1,161,625$654,261$542,803$918,213
44$1,231,602$637,810$512,478$938,919
45$1,307,188$619,025$479,609$960,929
46$1,388,908$597,744$444,062$984,412
47$1,477,337$573,794$405,699$1,009,555
48$1,573,109$546,994$364,373$1,036,569
49$1,676,920$517,150$319,933$1,065,690
50$1,789,535$484,060$272,221$1,097,182
51$1,911,796$447,508$221,069$1,131,342
52$2,044,630$407,266$166,305$1,168,500
53$2,189,054$363,094$107,748$1,209,026
54$2,346,189$314,737$45,209$1,253,334
55$2,517,269$261,928$0$1,301,882
56$2,703,649$204,381$0$1,361,158
57$2,906,823$141,798$0$1,439,534
58$3,128,434$73,861$0$1,525,151
59$3,370,291$236$0$1,618,780
60$3,634,383$0$0$1,721,275
61$3,922,904$0$0$1,859,801
62$4,238,264$0$0$2,011,380
63$4,583,121$0$0$2,177,218
64$4,960,399$0$0$2,358,734
65$5,373,317$0$0$2,557,486
66$5,825,423$0$0$2,775,194
67$6,320,620$0$0$3,013,748
68$6,863,209$0$0$3,275,232
69$7,457,926$0$0$3,561,941
70$8,109,985$0$0$3,876,402
71$8,825,132$0$0$4,221,400
72$9,609,694$0$0$4,600,000
73$10,470,640$0$0$5,015,580
74$11,415,646$0$0$5,471,859
75$12,453,169$0$0$5,972,937
76$13,592,522$0$0$6,523,328
77$14,843,967$0$0$7,128,005
78$16,218,806$0$0$7,792,447
79$17,729,494$0$0$8,522,690
80$19,389,747$0$0$9,325,383
81$21,214,679$0$0$10,207,852
82$23,220,940$0$0$11,178,168
83$25,426,874$0$0$12,245,223
84$27,852,691$0$0$13,418,815
85$30,520,659$0$0$14,709,738
86$33,455,309$0$0$16,129,884
87$36,683,673$0$0$17,692,357
88$40,235,531$0$0$19,411,595
89$44,143,698$0$0$21,303,506
90$48,444,328$0$0$23,385,617
91$53,177,258$0$0$25,677,243
92$58,386,383$0$0$28,199,662
93$64,120,068$0$0$30,976,323
94$70,431,604$0$0$34,033,063
95$77,379,712$0$0$37,398,350
96$85,029,097$0$0$41,103,556
97$93,451,052$0$0$45,183,245
98$102,724,141$0$0$49,675,507
99$112,934,929$0$0$54,622,313
100$124,178,804$0$0$60,069,909